WillisBack/dataset-financial-user-claim huggingface dataset:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements/documents on how this alleged debt was calculated. There is no need to state the law as I 'm sure you 're aware of both our rights under the FDCPA and FCRA. I await a prompt resolution to this matter. Also consider this my formal request for validation considering this is our first time communicating.
RE : GUILD MORTGAGE CLOSING FOR PROPERTY : XXXX XXXX XXXX XXXX XXXX FL XXXX I RECENTLY APPLIED WITH GUILD MORTGAGE FOR A VA LOAN : XX/XX/XXXX. I RECEIVED PRE-APPROVAL AND UTIMATELY RECEIVED CONDITIONAL APPROVAL ON THIS LOAN APPLICATION IN PROCESS. I HAVE FULLY COMPLIED WITH ALL INFORMATION & DOCUMENT REQUESTS REQUIRED OF MY WIFE & I, TO DATE. WE WERE DUE TO CLOSE ON : XX/XX/XXXX ISSUES AT HAND : I HAD NOT RECEIVED ANY COMMUNICATION / CORRESPONDANCE FROM MY LOAN MANAGEMENT XXXX ( XXXX XXXX ) IN EXCESS OF A WEEK PRIOR TO THE PLANNED CLOSING. AS OF XX/XX/XXXX, I NEVER RECEIVED ANY FORM OF COMMUNCATION REGARDING THE STATUS OF MY LOAN APPROVAL COMPLETION OR HOW TO PROCEED, FROM MY LOAN MANAGER. THE UNDERWRITER TEAM AT GUILD MORTGAGE ( CONSISTING OF THE UNDERWRITER-XXXX XXXX, THE UNDERWRITER 'S MANAGER AND THE UNDERWRITER ASSISTANT-XXXX XXXX ) TO DATE, I HAD ONLY RECEIVED COMMUNICATION WITH XXXX XXXX. ANY ATTEMPTS TO SPEAK DIRECTLY WITH THE UNDERWRITER OR MANAGEMENT ARE DENIED. I HAVE ONLY PREVIOUSLY RECEIVED STALLED OR VAGUE EXCUSES IN REPLY TO MY REQUESTS FOR STATUS UPDATES. NO REPRESENTATIVE FROM GUILD MORTGAGE HAS TAKEN THE TIME TO EXPLAIN OR ADDRESS THE HARDSHIPS IMPOSED ON THE PARTIES INVOLVED IN THIS CLOSING PROCEDURE OR HOW ANY POTENTIAL ISSUES/PROBLEMS COULD HAVE BEEN AVOIDED OR RESOLVED MUCH EARLIER ( 3-4 WEEKS AGO ) IN THIS PROCESS. 

I MADE MULTIPLE ATTEMPTS TO SECURE A TIME FOR ALL PARTIES TO CLOSE. THE CLOSURE DATE WAS POSTPONED BY ONE WEEK ( XXXX ) AND ULTIMATELY CANCELED BY GUILD DUE TO AN UNDERWRITER " DENIAL ''. XXXX XXXX DISCLOSED TO ME THAT THE MANY MISTAKES MADE REGARDING THIS APPLICATION PROCESS WERE MADE BY GUILD MORTGAGE. THE SELLERS RE-LISTED THE PROPERTY FOR SALE AND RETURNED OUR EMD. 

ON XXXX, I WAS PROMISED TO HAVE MY EXPENSES REIMBURSED TO ME ACCORDING TO THE GUILD MORTGAGE CREDIT APPROVAL CERTIFICATE GUARANTEE. AT PRESENT ( XXXX ), I HAVE NOT RECEIVED ANY REIMBURSEMENT OR BEEN CONTACTED BY A REPRESENTATIVE OF GUILD WITH THEIR INTENTIONS. FURTHER EXAMPLES OF THEIR UNPROFESSIONAL BEHAVIOR. 

OTHER NAMES OF INDIVIDUALS AT GUILD THAT WOULD NOT RETURN OUR CALLS OR EMAIL REQUESTS : XXXX XXXX, CEO GUILD MORTGAGE XXXX XXXX, ASSISTANT ( XXXX ) EMMY XXXX XXXX XXXX XXXX XXXX XXXX, STAFF ACCOUNTANT, SOUTHEAST ( XXXX ) XXXX XXXX, MANAGER ( XXXX ) AS A XXXX XXXX XXXX VETERAN, I HAVE NEVER EXPERIENCED THIS TOTAL LACK OF CUSTOMER SERVICE FROM A MORTGAGE LENDER OR ITS AFFILIATES. MY WIFE AND I WERE HANDLED UNFAIRLY, UNPROFESSIONALLY AND UNETHICALLY. THIS TEAM DOES NOT LISTEN TO THE NEEDS OF THE CUSTOMER. I WILL PROVIDE ADDITIONAL DETAILS UPON REQUEST. 

MY OBJECTIVE IS CLEAR : TO CLOSE THE LOAN ON THIS PROPERTY ( WHICH WAS TO BE MY PRIMARY RESIDENCE ) IN AN EXPEDIENT & PROFESSIONAL MANNER. TO RECEIVE REIMBURSEMENT FOR MY EXPENSES IN AN EXPEDIENT MANNER, AS PROMISED. 
PLEASE MONITOR AND PROHIBIT COMPANIES LIKE GUILD MORTGAGE FROM USING THESE BUSINESS PRACTICES WITH OTHER POTENTIAL CUSTOMERS IN THE FUTURE. 
PLEASE PROVIDE US WITH THE ASSISTANCE TO ACCOMPLISH THESE TASKS? TY!
On XXXX XXXX, 2017, I applied for a Capital One XXXX card to receive a {$150.00} signup bonus and start earning points. After looking into the account they pulled my information as a hard pull so I requested to have the account canceled over the phone and inquired about removing the hard inquiry since the bonus was, not linked either. The representative from XXXX insisted he could not help, but was sorry. While reading his script, I paid down my balance and then he said we ( capital One ) can not take care of this which led him to give me information to sum it up with XXXX. After calling XXXX, they insisted that XXXX XXXX would have to write a request to XXXX on behalf of the incident. I already have a secured account with capital one as well as a 3 year relationship. In hindsight, I recently applied for a XXXX XXXX XXXX  account and received no hard pull as well as a higher credit limit! Lastly, After relaying over the phone for 1.5 hours with capital one the gentlemen either hung up or the call was disrupted which led to me calling again for another 30 minutes with no real results. After receiving information to speak to XXXX I still had Capital One one pointing the finger saying we can not help you and I was left with a new credit card to which I canceled, a hard pull on my credit score, and a lowered score.
I received a call from a sales person from XXXX to sell an extended warranty on my refrigerator. I specifically told the sales person to place the charge on my XXXX credit card and not to charge it to my XXXX XXXX XXXX, which I had never used. XXXX collections starting calling me at least 4 times a day to collect on debt that I didn't owe, I explained to them that I have never charged anything on my XXXX XXXX and that they should review their tapes. After that XXXX told me that the charge they were trying to collect on was a fraud. I explained to them that I purchased a warranty on the XXXX credit card and not the XXXX XXXX, but they and threaten to report me to the credit bureau. When I spoke to XXXX sales person, she stated the call may be recorded ; therefore, I feel the recording should have been reviewed to resolve this issue before it has escalated to this point. Eventually, they turned the debt over to the collection agency ( United Collection Bureau , Inc. ). Routinely I have {$75.00} per month automatically withdrawn from my account for the XXXX Credit card ; therefore, I was under the impression that the warranty was placed on that account and that I have been paying consistently. 

I am senior citizen and I feel very harassed and taken advantage of when I have been a loyal customer and paid my bills timely.
Credence resource management keep calling my phone all day every day i don't answer my phone. i know i don't owe no credit cards or no bills i check my credit report and a debt collection agency put a XXXX bill on My Credit.
I received a letter from XXXX XXXX stating that I owe the collector {$560.00} Acct # XXXX she enclosed the statement with account # XXXX which clearly states that the balance is {$0.00} This account collection is in violation of HIPAA Act of 1996
On aboutXX/XX/2018, monies were electronically sent to American Express Company ( AMEX ) by XXXX XXXX XXXX. These monies were sent back to be applied against a personal loan I had taken with AMEX. There were two separate transfers made : {$350.00} on XX/XX/2018 -  Reference Trace Number : XXXX {$10000.00} on XX/XX/2018 - Reference Trace Number : XXXX AMEX has verbally acknowledged receipt of these funds and has been agreeing to credit any interest that may be accruing for the amount of the funds returned i.e. they don't want me to be responsible for paying interest on funds that have been returned and received by them. While this is being done, they still have not applied the returned monies to my outstanding loan balance. This is placing a burden upon me as I still do not have use of the funds as originally intended ; t=I can not apply for a new loan until this loan has been paid off AND it is restricting my access to money from others as this is showing as an outstanding loan of {$15000.00} +/- on my credit report, adversely affecting my credit score. I have spoken to a XXXX ( Employee Badge # XXXX, a " supervisor '' in their personal loan department several times to no avail. While he has been polite he has acknowledged the frustration surrounding this matter, both on his part and mine. He is struggling to get answers on his end! 

I would like the returned funds totaling {$11000.00} to be applied to my account ASAP! 
Thank you, XXXX XXXX XXXX
In XX/XX/2017, I switched phone companies XXXX bought out my XXXX contract as part of the deal for switching to them. Then in XX/XX/XXXX, I noticed XXXX was still charging my bank account. I went through all my Bank statements and realized they had started charging me {$80.00} a month starting in XX/XX/XXXX without sending any sort of bill. 2 months after XXXX bought out my contract. I called XXXX Customer service to figure out what the issue was. The gentlemen on the phone told me that he could see that I had switched services but was still showing I was being billed. He submitted a refund request for me and closed everything completely. Then in XX/XX/XXXX, my mom received a letter from XXXX at her house halfway across the country as I live in CA and she is in MO. it was a bill saying I was past due {$170.00} and it was going to collections. I called XXXX customer service again to figure out why they are still billing me. The women told me that my account was closed and it was an early cancelation fee. she also informed me that my refund request for the 6 months of being charged {$80.00} was denied because they informed me that they were billing it in my email. which I went back and looked I did not receive one invoice from XXXX the only emails received were wanting me to come back to XXXX. I asked for the {$170.00} to be waived because they had stolen money straight from my account while I had no services opened with the company during the time. and XXXX bought out my contract to include all fees. This request was also declined. I tried explaining the situation to the debt collectors. XXXX messed up on closing my account when I switched to XXXX, they refuse to reimburse me and the debt has hit my credit report 3 times. No one has been willing to work with me on resolving the situation. I don't understand how the same debt can continue to knock my credit score for something that was XXXX mistake and they refuse to take responsibility.
I 've been making payments since 2006 and the interest and amount do not decrease. I ca n't afford the payments and my living situation. Usually I 'm late with my federal loans and struggle with my private loans as well. I pay as much as a car payment each month with federal and private loans and to top of off I 'm paying for a degree that I did n't get. I have my XXXX in XXXX and attempted to obtain my XXXX but I was only capable of starting a class. And had to drop out due to financial hardship. But I 'm still paying for the XXXX degree. I ca n't transfer any of my credits to a XXXX college either.
I have disputed multiple times with all  XXXX  credit bureaus because an account with  XXXX   XXXX  is on my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business with  XXXX . I have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!
From  XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX  last called  XXXX   XXXX    XXXX   says it 's an attempt to collect a debt and I should call her back. Has phoned about 5 times. I am not aware of any outstanding debt except my credit balance.      XXXX   XXXX   XXXX  company, this is an attempt to collect a debt and any information obtained will be used for that purpose please return the call to  XXXX   XXXX   XXXX  at  XXXX   XXXX  again. That 's  XXXX   XXXX   XXXX  at  XXXX . Thank you.  Trans world systems incorporated is a debt collection company. This is an attempt to collect a  debt and any information obtained will be used for that purpose when calling please refer to your ID code  XXXX   XXXX   XXXX   XXXX . Thank you.   PLAY MESSAGE YOUR ACCOUNT HELP CENTER HELP FORUM To edit your email preferences for voicemail, go to the Email notification settings in your account.    XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX
These folks at XXXX of Florida is again claiming that I owe them. I filed a complaint against them here some time ago. I got an XXXX from them that caused me XXXX and so I brought it back to them and did not return there. XXXX. When I went by their offices, they accepted my insurance and additional payments that they required. I simply paid these people to hurt my XXXX and if that was not bad enough, they now have defamatory/derogatory mark on my credit report insisting that I owe them. 

Their representative First Federal Credit Control of XXXX XXXX XXXX XXXX, XXXX OH. XXXX XXXX XXXX, wrote to me. I replied to them requesting verification of this debt and the contact information for the XXXX of Florida. I did not hear back from them.
I sent letters to XXXX, Experian, and XXXX about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.
XX/XX/2018 Bank of America. I have 2 accounts with this Financial institution. I have a contract for construction and to securely pay a vendor per our contract agreement. I chose to pay this through online email XXXX money transfer as a secure way to log and track all payments for legal contractual purposes. I understand the maximum daily transfer is {$2500.00}. I chose to break the payment up into 2 payment. XX/XX/18 {$2500.00} XX/XX/18 {$1500.00} XXXX this payment has been put on hold and a fraud alert has been placed on my account ) I called to verify payment and was not allowed confirm the payment requested. 
This is the 2nd issue with this institution in a week, first with Bill pay services that has caused me a {$45.00} NSF fee and a potential warrant for lack of payment to Superior Court and now a payment. Now, This has caused me to potential breach a construction contract for payment. I requested an investigation into this institution and business practices. 
Thank you.
Repeated phone calls from Diversified Consultants, two or more times a day from a local phone number to mask their identity. XXXX called at XXXX XXXX today. Yesterday they attempted to call from XXXX. They do not leave a message and call every day two times or more. I have expressed to this company to not contact me any longer and I will continue to document the repeated calls after I expressed this to the company. I have no debts owed to this company.
Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for BMW to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.
I was mandated to make monthly payments to Genesis Lending on my private student loans while attending classes at XXXX XXXX, XXXX, NV. From XX/XX/XXXX thru XX/XX/XXXX my monthly payments ranged from $ XXXX {$150.00}, for a total amount exceeding {$1300.00}. I was aware that such practices were prohibited while attending classes, however, should I failed to make payments I would have been barred from classes. 
I would like to be reimburse for those funds.
I am a victim of Identity Theft. On XXXX XXXX, I sent Equifax a properly constituted Identity Theft Report, which contained a completed FTC Fraud Affidavit which I swore the truthfulness to before a Notary Public, a completed Law Enforcement Page within the affidavit, filled out by the XXXX Police Department officer who took my report, and a copy of the XXXX PD Police Report. I also enclosed a copy of my ID and a utility bill to establish my identity. Finally, I identified the fraudulent information on my Equifax report and advised that the transactions had nothing to do with me. These actions met the requirements for blocking under FCRA 605B. 

Equifax claimed several times that they did n't receive the fax, so I sent them a letter, which they received on the XXXX of XXXX, 2017. Once Equifax received the documentation, they disputed the three fraudulent accounts on a thirty day " normal/non-identity theft '' dispute cycle where the information furnisher is able to just say that the information does indeed belong to me, which defeats the point of why 605B was amended into the FCRA. 

I have repeatedly called Equifax and they have stated that they can not over ride the decision of their mail room to put it in as a 30 day dispute. So they are unable to provide a reason under FCRA 605B ( c ) on why they refuse to block fraudulent information.
First service residential, the XXXX that manages the XXXX building in XXXX Minnesota, failed to send me a bill for {$240.00}. First service residential, the XXXX that manages the XXXX building in XXXX Minnesota, failed to send me a bill for {$240.00}. I was not aware that this bill was outstanding, and they charged me {$40.00} late payments for almost XXXX years and put a lien on my condo for the amount of road. I never received any I was not aware that this bill was outstanding, and they charged me {$40.00} late payments for almost XXXX years and put a lien on my condo for the amount of road. I never received any invoices or notifications of this because they had my name and address wrong in their system. I paid my mortgage and condo fees on time every month. there was never an attempt to call me. I would 've been happy to pay a bill for {$240.00}. It does n't make sense that they would put a lien on my condo without contacting me. I am selling the property and going to settlement on XXXX XXXX and the condo Association has decided to forgive some of the debt but not all they still want legal fees and the lien release of almost {$1200.00}. I would like this to be Association has decided to forgive some of the debt but not all they still want legal fees and the lien release of almost {$1200.00}. I would like this to be thrown out due to a lack of effective communication.
In XX/XX/XXXX I submitted a complaint explaining that when my loan was transferred in XX/XX/XXXX from Green Tree to Ditech, I was told that I was {$20000.00} behind on payments and Ditech refused to take my payment of {$990.00} causing me to default on my loan. Ditech responded that Green Tree Servicing LLC only changed its name to Ditech Financial LLC. They also stated that their records show that my total monthly payment amount has never been {$990.00}. I submitted a complaint with Illinois Attorney General XXXX XXXX because I needed to know why Ditech continued to take my monthly {$990.00} payment without EVER contacting me about delinquency, nor did I receive a mortgage statement reflecting a higher payment. I also asked if they would modify my loan, but they denied me despite my stable income. Ditech issued a sale date on my home in XX/XX/XXXX and has not responded to XXXX XXXX yet.
My Current Balance is incorrect. 
My account reads : Last Satement Balance as of XXXX XXXX, 2017 = {$1500.00} Recent Transactions = {$1.00} Recent Payments and Credits = - {$0.00} Current Balance = {$1600.00} Please do the math and notice that XXXX + XXXX does NOT equal XXXX Please correct.
I have paid this account in full and satisfied my obligations. I would like this Negative Account removed from my Credit Report. I Paid this loan off in a timely manner I was never late. I should have never been given a predatory loan like this XXXX with 10.5 % interest. I took the loan and paid it off in full and NOW it is negative on my Credit!
On XX/XX/XXXX I purchased {$300.00} in Bitcoins on CoinBase. I was initially told the funds cleared from my Bank account on XX/XX/XXXX. I purchased another {$300.00} on XX/XX/XXXX recognizing it would take about 5 days to clear. 
Coinbase now says that I won't have access to those funds until XX/XX/XXXX! 
My Bank account has been charged {$600.00} and while I don't have access to those funds on Coinbase due to a drop in Bitcoin values I'm loosing money.
Navient is calling my cell and my work phone multiple times a day. I have asked them to stop calling my work phone because it is interfering with my job. They call me everyday and usually XXXX times a day, even if I talk to them they will call again a few hours later. I have asked them to stop contacting me many times and i will call them to make arrangements because I am unable to negotiate terms with them because they want too much money. I have told them they are harassing me.
I have had m & t as my bank for many years. Every year 2 times a year they take from my account {$14.00} for direct deposit. My checks are directly deposited very month. I called them yesterday about it and they refuse to reimburse me. So for over 10 years they did this and it cost me XXXX dollars a year. It 's due to their computers. Not my checks.
I just got a letter in the mail XX/XX/18 from XXXX XXXX that they took over an account that the original creditor deemed fraud and that I wasn't responsible for. I called XXXX and explained that but a very rude customer service agent said it was " not her problem and she's here to collect payment. '' I asked her to send me the documents proving this account even belonged to me and she said " by law I don't have to provide that. '' I let her know I would mail in the dispute form on my own and preferred mail correspondence and they are not allowed to call me at any time for any reason. She said '' you better hope we don't track down your phone number. If we do, we'll call you whenever we feel like. '' I called the original creditor and they can't help as they no longer even have my account in their system so I'm stuck