WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I never received any written notification that I had a collector debt from US Collections West from a Property called XXXX XXXX XXXX. I did not find out I had a debt until I checked my credit report. I have called this company and spoke to a collector that handled my case to request documents that show proof this is indeed a debt of mine. This person stated he would and has never sent me anything. I have even provided an updated address. I waited called again several times with no success. I have called and left multiple messages as well. Proper letters have been mailed to this company as well which have now gone over 60 days with no letter responses or calls. First call was made on XX/XX/2018, two calls to US Collections West was made back on XX/XX/2018 and then again on XX/XX/2018 requesting proof that this is indeed a debt owed to myself. They are currently stating I owe about {$3600.00} in which that was the amount written off to them from the property per a lease agreement, however they are refusing to send me the documents that shows me this proof. I do not agree with this debt, I do not believe I owe this debt.
We have a second mortgage with Household Finance Corporation, HSBC Group. Not only do we have a high interest rate of 6.979 %, but we also found out that there is " deferred interest '' with a balance of {$8900.00}. We have been paying on this second mortgage for about 15 years maybe more, and I believe also our original second mortgage was about {$65000.00}. I have called HSBC on numerous occasions and can not seem to get a straight forward, logical or understandable explanation of this high added " deferred interest ''. They called this a " simple interest '' loan, but their explanation of it is anything but simple. Please help me to understand this because with this " deferred '' interest added on, our interest rate over the past 15 years on an annual basis I feel has been extremely high, especially when the {$8900.00} of the {$65000.00} originally borrowed is about 14 % in addition to the 6.979 % interest rate. We plan on refinancing our first, and adding this second mortgage to it, however, it does n't seem like we have paid off anything at all on the HSBC loan even though we have had it for so long and have paid them at least {$76000.00}. The statements they send us are quite vague as well. It includes no original mortgage amount, date or breakdown of the fees and " deferred '' interest and no one there can seem to explain it to me in consumer friendly terms. There is also a {$330.00} " Outstanding Fees and Charges '' that I have not been given an explanation or breakdown of as to when they occurred.
On XX/XX/XXXX, I applied for an apartment and got denied due to charges from a previous apartment that I was co-applicant on back in XXXX being on my credit. I never received any notice from the apartment complex, not the collection agency in regards to thee charges. Needless to say, these charges have now accumulated almost {$2000.00} in fees with this collection agency. I contacted the collection agency ( the apartment that ran my credit gave me ) to find out from their representative that they show in my file that I was never contacted and they never tried to contact me. My phone number has not changed. The address they have on file is my mother 's address, which I have been home to see on numerous occasions and had no mail from neither the apartment complex, nor collection agency. So, the collection sends me a break down of the charges. The dates and fees do not make any sense. If I gave notice on XX/XX/XXXX, and my move out date was XX/XX/XXXX, why are there legal fees charged to the account on XX/XX/XXXX. There are charges of written fee and certified letter ( that was never sent cause collections already confirmed that no one tried to contact me ). Also, there are charges for water for XX/XX/XXXX, rent ( vacant rent charge ), washer/dryer, and trash removal for XX/XX/XXXX. How are these charges legal charges when notice was given on XX/XX/XXXX for move out on XX/XX/XXXX. Now they are stating that if I pay half of these charges, they will give me a letter stating that I am paying so I can give to the apartment complex I am trying to get into now, but these charges are not truthful.
National credit system is reporting a collection item in my credit report. I has asked the collection agency to provide me with the original documentation regarding this debt. FCRA requires that I am entitled to receive the original documentation regarding negative items but National Credit System is not providing me the original documentation and reporting unverified item in my credit report.
I got a letter from a Debit Collecter Service stating that they received a request from First Citizens Bank to collect a debieof a {$100.00} for a return check. I contacted the bank on XX/XX/2018 asking them to give me some details about the check since I know that I have not authorized any check to any individual or Business. The bank refused to give me any details. 
I don't understand why the bank collecting a debit of so called Return Check on some else behalf? 
I need to know who authorized that check.
I havve been paying my student loans rigurously. On XX/XX/XXXX Navient reported a late payment which was not my mistake and have not removed it form the 3 credit reports until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies. 

Yesterday and Today I had received 2 alerts. Navient is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on XXXX ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with Navient. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.
On XX/XX/XXXX i received a text message saying a have been approved from a man XXXX XXXX saying he is a rep. from XXXX XXXX  and that i was approved fir XXXX $ and pay XXXX monthly. I was told that i have to pay a security deposit if XXXX in case i couldn't pay one month that security would cover it. XX/XX/XXXX i called him and he told me to go to XXXX and purchase a XXXX XXXX for the amount ofXXXX i had to buy oneXXXX card and a XXXX dollar card. He received the information and then said he was contacting the account department XXXX then later said i said have to pay an additional fee ofXXXX dollars because i was late accepting the loan. I refused to do so so i asked for my money back. He then hung up anger i haven't heard from XXXX XXXX since..
There are many inquiries on my credit report that I did not authorize, XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX fromXX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX XXXX has multiple inquiries from XX/XX/XXXX-XX/XX/XXXXThis inquiries were never authorized by me and I would like them removed.
Equifax will not remove inquiries that were not allowed by me. I contacted XXXX XXXX and even received a letter advising Equifax to remove the inquiry. Contacted Equifax on XXXX ( before I received the letter ) XXXX, XXXX, and recently XXXX. Always receiving that inquries are a factual occurance and will not be removed, see attached letter from Equifax.
To whom this may concern I XXXX XXXX feel I wasn't treated fairly at my Closing .XX/XX/2017 I purchased a home for XXXX I was granted Ga DREAM XXXX the seller gave me 3 %, EARNEST MONEY, APPRAISAL, XXXX XXXX XXXX XXXX XXXX Realtor XXXX I paid on my closing date. Closing lasted 4 hours my folder wasn't right numbers didn't add up everyone at the attorney office was aggravated it was very unprofessional and embarrasing
I opened a Citi Priority account on XX/XX/XXXX with a targeted mailer for a promotional offer of XXXX XXXX XXXX miles after qualified activities. I completed all activities on XX/XX/XXXX and confirmed with Citi bank on XX/XX/XXXX. Please see attachment. 

Citi indicated I would receive the bonus on XX/XX/XXXX. I contacted Citi again today and they are now saying there was no enrollment for the offer on my account. This happens repeatedly with Citibank and going through their customer service is useless. 

Cfpb is the only way to force Citibank to honor their offer.
I am paying off my loan by making largish payments frequently to the company who bought my mortgage. XXXX had it before and now Nationstar Mortgage holds it. The problem is that they take payments for the future out of the principal payment every time. I have called them every time and talked to customer service agents, who are uniformly nice on the phone. However, the problem just does n't go away. I know that they are taking out interest fees for each payment that they have not earned yet. They fix it each time, so I know it is n't violating their own policies to pay off a loan early ( my loan does n't and never did have an early payment penalty ). I do n't know why it should be so easy for them to continue to do this to people. I think they should not be allowed to even be in this business. I have a PhD and have taught university courses that involved finance, compound interest, and payment schemes, and I know that this should be illegal, but apparently is n't. Most people do not have the time to call over and over about problems with this company. I would like to see them put out of business and money paid back to people who can not afford the fees and the hidden costs of doing business with them.
My mortgage loan servicer is reporting inaccurate information on my most recent credit report and is unresponsive when I seek to resolve the error. This has led to an artificially lower credit score which effects many other facets of my/our financial well-being. 

The loan servicer is Seterus Inc. based out of XXXX, Oregon
I paid {$20.00} as a donation to a veterans fund to receive a 3 month subscription of XXXX XXXX XXXX. They failed to deliver the newspaper for the allotted time period and tried to charge me for additional funds even after they failed to send me my subscription. I received a notice From A.R.M Solutions ( dept collector ) requesting {$31.00} on XX/XX/2017. I paid them {$10.00} dollars as a compromise to make the debt go away despite not owing any debt. 

I am worried that their mistake will now place a negative record on my credit and I want A.R.M and XXXX XXXX to ensure a negative report on my credit has not been filed and if it has they address it to ensure my credit score remains as it was.
I have been making my monthly mortgage payments on time every month. This was done until XXXX of 2016 when I had to get XXXX tires and have some front end work done on the vehicle. Just one week later my vehicle was hit and I had XXXX witnesses. The next day I was informed by my insurance the car was totaled. I was given just 3 weeks with a free rental car. Now I have to walk. In the mean time I am showing that XXXX XXXX at Wells Fargo ( XXXX ) will not make a payment out of the money in unapplied funds. Currently there is {$2100.00}. This is confusing to me as when I made a payment of {$1500.00} earlier a payment was deducted and the remaining money went to unapplied funds. Once XXXX got involved the money sent in was put as unapplied funds. This means more interest to me and she is messing up my payment schedule for the credit bureau. Not fair. 
To me all was fine until she got involved. To me she should not have gotten involved.
This is in regards to Gold Key Credit / XXXX, we are working to make sure our credit reports are free of bad marks as we want to buy a home in the near future. On our credit report are 2 bills listed for this company. I contacted the company to make arrangements for payment and wanted to see about making a settlement offer to clear the debt from our credit report. <P/>They told me the bills were medical bills for 2 separate dates for a company names XXXX XXXX XXXX XXXX XXXX XXXX 's hospital. I was advised by a XXXX that they could not accept a settlement because the original creditor had n't authorized any settlements on the account. The bills are from XXXX and XXXX and XXXX admitted that her company ( Gold Key Credit ) had not sent anything to us since XXXX and she had no idea why. She said the original creditor did n't send them contact information from us so it just went to an aging account. She did however have my current address and read it back to me so why did n't they attempt to notify us by mail? I asked for contact information for the original creditor and was told they could n't provide me that and when I XXXX the company I could find nothing for them. I contacted the hospital and was told by 2 different departments that they had never heard of this company ( XXXX XXXX XXXX ) and that it sounded like we were being scammed. <P/>I contacted Gold Key Credit back and asked to talk to a supervisor and was told I was unable to speak to a supervisor one would have to call me back because they do not transfer calls. I was told by XXXX that she placed my account in dispute and that sometime in the next 30 days I should get an itemized bill. <P/>In the mean time I ca n't get this removed from my credit report even though this collection company did nothing to even try to notify us we owed this debt. How is this allowed?
I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX
On XXXX XXXX, 2017 I applied for credit line increase on my Barclays credit card ending XXXX. The same day Barclays determined that since there was no recent activity on my card I am not eligible to even apply for credit line increase. This decision was not based on my credit. 
However, afterwards Barclays made a hard inquiry against my credit anyway and needlessly -- since my credit was not involved in their decision which was based exclusively on my account not being active.
I alerted Coinbase that a portion of my money was missing ( ~ {$4000.00} - I believe but hard to tell without access to balances ). They froze my account for months with no resolution. After 3 months they said they accidentally wired me too much money once and thats why the account was frozen. I asked for supporting balances and transactions to substantiate their claim. No response. Then one day a month later my account was unfrozen but money still missing. I withdrew remaining funds and decided to just accept that some of it was missing. A few weeks later I bought new coins and my account was restricted immediately after the purchase. Essentially I could buy but not sell or withdraw. I cant get my money out. Ive called support many times and emailed them and have been told thats telephone support cant help me but they will escalate. Its been escalated for 6 months now.
This all started with a new car loan this XXXX. After obtaining the loan I requested a copy of the credit report used by the lender. When I received the report and reviewed it, I found errors reported by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX loan XXXX. ) Specifically, the date of last payment and the date account closed is wrong ( should have closed XXXX ), and the detail seems to suggest that the loan was 120 days or more past due. I complained to Equifax three times. On the third time, they sent the complaint to XXXX XXXX XXXX XXXX. None of the items were corrected and they added a new delinquency for 180 days or more late. Attached are the latest results from the dispute as provided from Equifax and a letter from XXXX XXXX XXXX XXXX proving that I paid the loan off in XXXX 2011. The loan originated in XXXX 2011, so there is no possible way this loan was open on XXXX and no possible way this loan was ever 120 days or more past due. During this process I spoke, via phone, directly with XXXX XXXX XXXX XXXX. The person I spoke to told me the loan was not properly closed when I made the XXXX payment. This error has to be corrected. Thank you.
X/X/2017 {$390.00} charged to my BofA account by unknown merchant with " signature not required ''. This fraudulent item cleared through XXXX XXXX XXXX X/X/2017 Item showed up in my account reconciliation. I advised BofA who credited my account on  XXXX with {$390.00}. XXXX dept. told me that this item appeared to be part of a well-known scheme. 

XX/XX/2017 BofA unexpectedly debited my acct for {$390.00}. I called BofA and found that the XXXX dept. said that I had not submitted returned an inquiry from them. I had never seen the inquiry. BofA emailed me a copy of the inquiry - which essentially asked me if I had further info about the fraud. I returned their form ; per tracking, BofA received the information I provided [ I did n't have any helpful information ]. Approx. XX/XX/2017, I called BofA to confirm receipt. I was told that nothing more would happen until the " bank of first deposit '' [ XXXX XXXX XXXX ] responded to BofA 's inquiry [ on behalf of myself and hundreds [ thousands? ] of other people who suffered the {$390.00} scam. XXXX XXXX XXXX had approx. 45 days to respond ; the cut-off date given to me was XX/XX/XXXX. 

XX/XX/2017 I called BofA because they did not credit my account on XX/XX/17. BofAs check XXXX group now says that the money may never be credited because XXXX XXXX XXXX did not respond to BofA 's inquiry in timely manner. If BofA gets a response and restitution in the future, BofA will credit my account. The XXXX group says that they have no more Info to provide me. I attempted to contact XXXX XXXX XXXX but could not reach a " human '' because I 'm not a depositor there. 

A copy of the fraudulent item is available on request.
My issue is with NATIONAL CREDIT SYSTEM # XXXX who had posted many errors on my credit report. at on point the showed I owned over XXXX dollars on my credit report a few months later they changed it to over XXXX than a few months later {$1400.00} and few months later they put paid in full. I have disputed this account many times with the credit companies and national credit systems verified the account even with errors. I have request for validation of the account 3 times there failed to send it to me or they 1 time sent paid in full letter. So I requested any documention they have showing me that I paid from XXXX to the XXXX balance they show on my credit report which they will not have since me and my wife never paid XXXX on this account from {$1400.00} to XXXX they just made errors. A this point I want this account off my and my wife 's report since this account was verified and failed to follow the legal system.
To Whom It May Concern : My mom was finally approved for a home loan modification after having to file for bankruptcy after getting into a bad home loan.We then attempted to sell the house to break even with the bank, and finally get from under this house we had the bank provide 3 final payoff quotes, an amortization schedule to make sure that since the house did n't sell we are paying it off in a timely manner, and making sure that this is all good to go. Now 5-7 months after being approved for a modification, being provided an amortization schedule, and paying the mortgage on time ( as well as paying an extra $ XXXX/month which has to go directly towards the principle ), the overall loan pay off amount increased {$7000.00}. Here I am trying to do the right thing and budget accordingly and Wells Fargo how now claimed they made an error?! Although it is in the contract to be able to go back and adjust numbers if they made a mistake, this is now 4 months since we have been completely modified. It 's like the bank never wants me to be able to sell this house back and be able to pay them off. I am requesting an in-depth review of this account by the CFPB as this is absurd and unfair. I am looking for Wells Fargo to forward {$10000.00} directly towards the principle for their mistakes or I will be looking to take them to court. After having them look into this matter they said some money was missed placed in escrow that is there accounting error and my mother and I will not keep paying for wells fargo 's miscalculations after already getting the short end of the stick from the beginning with this bad home loan. 

Thank you,
I would like to inform you that XXXX XXXX XXXX went to court and filed a civil suit and got an Abstract Judgment behind my back without sending me any affidavit or letters before and after court. I found out about this judgment on my credit report a few days ago and was shock to find out that the XXXX account that XXXX sued me for is paid and closed since XXXX, 2008, almost XXXX years ago. I never receive any notification about court neither in person nor in writing and they do that deliberately by not advising customers about court case so that way they could fool the judge with their scam and win the case when the case when there are no defendants present and that is fraud filing false civil cases against customers who have a {$0.00} balance on their account. I never take out any revolving accounts once they are closed so any revolving charges are fraudulent and done by someone who has access to my personal information. Please investigate XXXX XXXX because I do not believe they are legitimate or their practices are wrong and misrepresentation. They deliberately file cases behind customers back or not notifying customers about court hearing so they can bribe the judge and win without proof of account transferred to them or they bought it but still never send me a judgment after court either. They are scammers.
A fter Ocwen Loan Servicing ap proved our short sale on  XXXX / XXXX / 2017  we informed them that the buyer at the time was not working out on  XXXX / XXXX / 2017 . They told us that they understood since this is something that happens all the time and then gave us a list on what we needed to change the buyer out on the same day  XXXX / XXXX / 17 . We completed all documents on  XXXX / XXXX /   17  less than a month after receiving the approval. We were told that it would be a quick and easy process since we are keeping the same price and terms and only switching out the buyer but weeks have gone by and nothing. Matter of fact they are now asking us to resend documents that we previously submitted for the same approval. They are not honoring what they said they needed They are setting us back to restart this short sale and possible cause this buyer to walk away and have this clients property to go to foreclosure sale.
I received a faulty telephone device from the company and when I tried to return the device I was informed I needed to return it to the manufacture and that I would be without a phone during this time I at the time could not be without a phone. I then went to another provider and received service I do n't feel that I should be responsible for payment on a defective device