WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a complete loan modification application on XX/XX/XXXX. Following that, the bank filed a Praecipe for sale on XX/XX/XXXX. At around the same time, SPS informed me that I needed additional 'Required Information ' in order to review my account for a loan modification. Around XX/XX/XXXX, I learned that a foreclosure sale had been set forXX/XX/XXXX. I filed with SPS all of the " Required Information ' on  XX/XX/XXXX, which was 39 days prior to the sale date of XX/XX/XXXX. As a result of having a complete application, and the updated 'Required Information ', SPS should have taken steps to stop the sale pursuant to federal law. However, what has been happening instead is almost everyday since XX/XX/XXXX, SPS has come up with a new piece of 'Required Information ' that they then tell me will take 4-5 days to evaluate after I submit that newly-required information. If there was new information required, it could have and SHOULD have been given to me all at once so that the whole process could have been completed within a week. And by 'whole process ', I mean the process of establishing what, if anything, was still missing. Instead, it 's been nearly three weeks since I submitted a complete application, and SPS still ca n't tell me if they have everything. At the same time, they 've refused to stop the sale. This appears to be a deliberate attempt to inflict emotional distress, and to that extent, its clearly working. I 'm confident that when I call back later this week that they 'll find something else new, and another 4-5 days will be added to the ongoing agony of having the sale date hung over my head like a sledgehammer. It 's truly unconscionable. In addition, I have repeatedly asked SPS to 'Cease and Desist ' any and all collection activities on this account since they have failed to properly Validate the Debt per two letters I sent them via certified mail. Instead, they simply respond that they we '' Cease and Desist COMMUNICATION with me, but they are still moving forward with collection ( IE foreclosure sale ) of a non-validated debt, in clear violation of federal law.
I am a victim of identity theft and noticed a collection from ENHANCED RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you
I received a response from account of Amazon Chase and was told that they would recommend reactivating my credit card once it was in good standing. The account is now paid up to date and has yet to be reinstated. I received a letter from XXXX XXXX who stated that the company would be happy to reinstate my card. It has been a month and I have called XXXX XXXX several times and she is always on the phone and wo n't speak with me. I believe that I have been lied to and would like a apology and my account reinstated. Thank you. 
XXXX XXXX
XX/XX/XXXXI attempted to send money from my account to XXXX. 
They denied me and prevented me from sending my money to another legal company doing legal business in the US. 

It is my legal right to do this and they prevented me from doing so. 

I would like your assistance in helping remedy this prevention of my legal rights. 

Thank you, XXXX
I have repeatedly tried to communicate with the debt collection agency over a period of several months to receive debt validation verification to no avail. I have hired a third party agency to help and they deemed the letters sent by the third party as frugal. They do not want to send me any sort of validation information, and continue to report my debt to the bureaus.
I have a HELOC that expired on XXXX XXXX of this year. Before that I tried to refinance it, but we did not qualify. Immediately after hearing that, I contacted Bank of America to modify it, and that date was XXXX XXXX. I was told I would be contacted within three to five business days. No one contacted me. I made a few calls and was told this gentlemen was in charge and he would call. He called at the end of the month. I immediately submitted all forms needed and he would then set up appointment times, but would not call for those appointments. He would not call at all or call that day at a completely different time. Apparently he could not get in his head that I am in CA and he is in FL and there is a XXXX hour time difference. Anyway, after all of this I also called his supervisor and left messages ( XXXX ) for her, with no return calls. The last time he was supposed to call me he did not, so I called and got someone else. This was the week of XXXX XXXX I believe. She told me that I was denied the modification because they were looking at the interest only payment and not the new payment which would include the principal ... ..in other words, the payment went up from {$280.00} to now $ XXXX. I am XXXX and live with my boyfriend. I can not afford these payments, and they know this. I have now been told to appeal this decision, after a conversation with a very rude person in that department. This is all so totally unacceptable and I feel it should be reported.
Went to go get a XXXX loan as I am a current XXXX XXXX in XXXX and I was denied due to adverse information on my credit report. Knowing this should not have been the correct information I reviewed my credit report and had seen these accounts by XXXX XXXX and XXXX XXXX. I have contacted the office of the Attorney Generals office of CA XXXX XXXX, which I filed a theft report with along with the Federal Trade Commission and the XXXX XXXX Police Department. I certified with all 3 Federal and State Agencys that under the law or Perjury I certify all is true and correct, I am the victim of fraud that took place with XXXX XXXX & XXXX XXXX. Also I have contacted XXXX XXXX of the XXXX XXXX   to help me in the event that I need to file paperwork with the XXXX County Court.
on XX/XX/2017 I SUBMITTED A IDENTITY THEFT AFFIDAVIT REPORT ALONG WITH DOCUMENTS TO BLOCK THE INFORMATION DUE TO FRAUD. XXXX & EQUIFAX REFUSE TO BLOCK IT. THEY SAID THEY WONT BLOCK IT BECAUSE THEY BELIEVE I MADE A MISTAKE. SO I RESUBMIT IT AND TOLD THEM IT WASNT NO MISTAKE AND THEY STILL REFUSE TO BLOCK IT. XXXX SAID THEY DO NOT HONOR THE FTC IDENTITY THEFT AFFIDAVIT. THEY ALSO REFUSE TO BLOCK THE INQUIRIES AND REMOVE THE FRAUDULENT ADDRESSES.
Contacted a member of my family and shared with them the original creditor 's name as well as the amount of debt owed. Demanded payment from this relative and demanded it be paid immediately.
open over 10 years sold to different creditors XXXX XXXX {$8300.00}
When Navient was still a part of XXXX XXXX, I was right out of college. I had taken a job in a different city and had rent and utilities to pay. When I called to discuss my options, the only one given was forbearance. Not knowing any better and not being able to afford {$700.00} a month, this is what I went with. The velocity that the interest would accrue was not disclosed. Because of this, Im now stuck. After years of struggling Ive finally found a decent job. Getting a masters is vital for advancing my career, but I just cant do that right now. I fear I will never be free of this, all because I was not properly and responsibly advised. I like many other need help.
I stated that numerous inquires and accounts that were on the report were not mine and I had no knowledge of these accounts and inquires, I was told that there was nothing that could be done and I would have to wait two years for the inquires to be taken off, or to call one by one and have them removed, I stated that i cant have an account removed when i did n't have one to begin with was told that there was still nothing to be done.
There was not really a category for my problem. I am trying to setup a connect.experian.com account so i can check the credit of prospective renters. I tried to setup an account and they told me some of the information on file was no matching and that I should request a free credit report then submit the credit file number to setup an account. After doing all that and receiving my credit report they are now telling me that I ca n't set up an account because " I do n't have any credit ''. I have replied to the XXXXXXXXXXXX email and told them I do n't want to share my credit but want to be able to have others submit their credit to me for the purpose of renting. Some lazy CS rep is just cutting and pasting the top XXXX replies into my email without bothering to address my question. Its the classic case of " Question Deflection '', I send them a question and they cut/paste something out of their list.
I ordered some phones wholesale from XXXX. I had a lot of trouble with the merchant, contacting them and finding a resolution. The phones were inspected and found to have non-oem parts. I requested a refund with the merchant and the merchant denied it. I opened a dispute 4 times with American Express because each time it was sided with the shady merchant. I provided documents showing phones being sent back and documents showing the professional evaluation of the phones. I got scammed out of $ XXXX. Now I can not do anything because the merchant has told American Express that they never received the phones but instead received " books ''. I got scammed and American Express did absolutely nothing to protect me. My consumer rights were ignored and American Express continued to side with the lying merchant from XXXX. I am complete upset and American Express could care less. All they want is money and to cash in on my losses. I have been scammed and defrauded.
THIS COMPANY IS FORIEGN TO ME AND DO NOT HAVE A CONTRACT WITH THIS COMPANY, ..THEY DO NOT HAVE PERMISSION TO DECIMINATE MY PERSONAL INFORMATION AND IS IN VIOLATION OF FDCPA LAWS.
This debt collector has called me several times a day for the past week. I have recorded each time they have called and emailed me. They have emailed me at least twice a day on a daily basis. I had explained to them the payment process my company goes through before issuing a payment and that I will call to make the payment. The collector for pay-o-matic continues to call constantly, interfering with my daily work routine.
I opened a XXXX XXXX credit card around XX/XX/XXXX and immediately purchased several items on it. I had issues paying the bill online, so on XX/XX/XXXX I went to a store, returned one item that didn't fit correctly and asked for an exact amount to pay off the card completely. The clerk printed a balance statement that showed I owed {$360.00}. The return refunded {$65.00} to my account. The employee and I agreed on the remaining balance and I paid {$290.00}. At this time I thought everything was paid and up to date, that my card had a zero balance. Later, I still received additional bills in the mail. I called to inquire and the person on the phone apologized and told me it was a mistake and that any remaining balanced would be removed. They verbally confirmed my account balance was now at zero. After this I still received a bill. I called again in XX/XX/XXXX and this time the person argued with me for a lengthy time and said I still had a balance. Even though I disagreed with this, I asked how much to completely pay off the card and be done. I was told {$26.00}, so even though I didn't agree, I decided to pay that amount to be done with the card. However, I am still receiving bills today.
I was late on an account from XX/XX/XXXX to XX/XX/XXXX with LoanDepot. I subsequently made the three missed payments and have been up to date and current since then. However, I received a collections letter from XXXX XXXX XXXX XXXX with the amount for the LoanDepot loan on or around XX/XX/XXXX. XXXX XXXX XXXX XXXX has reported this as a collection account on my credit report. I have spoken to them several times, On XX/XX/XXXX, XXXX and XX/XX/XXXX. They advised me that they own the account but to keep making payments to LoanDepot. I spoke with LoanDepot on XX/XX/XXXX and XX/XX/XXXX. They advised me that they own the account and did not know who XXXX XXXX XXXX XXXX was. I never received an opportunity to validate this debt with XXXX XXXX XXXX XXXX. They refused to provide me a copy of the original validation letter on XX/XX/XXXX. I have disputed this account with all three credit bureau 's but they did not remove this account. Attached is proof i have been making payments to LoanDepot and not XXXX XXXX XXXX , XXXX. LoanDepot did move to a new computer system in late XXXX, I am not sure if this affected my loan and caused errors, it is very disturbing.
Optio Solutions LLC in XXXX California was contracted by XXXX to collect on an invoice which the vendor XXXX performed inadequate and non-completed work. Optio Solutions LLC was informed in writing twice that their attempt to collect on an invoice which was for false work. It was communicated in writing to XXXX XXXX four times that their work was incomplete and inadequate.
This company is reporting a collection on my credit report for XXXX XXXX ( now XXXX XXXX ). I have never had an account with them. This debt is not mine. I contacted this collection agency on XXXX different requesting debt validation and they have responded to none of them. I have also disputed the account with the credit bureaus, to no avail. The account number is XXXX.
To Whom it May Concern, I have a citibank double cash card and had set up autopay to pay for my bills. However, I have just discovered that my account was n't paid off using autopay. For some reason the autopay was switched off. I had technical issues with their system before, but that is a major problem as I ca n't really trust their transaction system. Plus, they charged me {$65.00} for an interest fee that should have never been accumulated in the first place.
I sent this company a letter dated XX/XX/2018. Pursuant to the FCRA and FDCPA, I requested this company to provide me validation documents and listed everything that is required for this alleged debt to be validated I asked for the following information from them : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Debt collector license number in my state. 

In return I received a letter from them ( see attached ) that did NOT include any of the asked for information and billing statements saying this debt is valid. 

That is NOT validation. I would like them to remove this collection from all three credit reports because I do not owe this debt.
I just recently ( XX/XX/2018 ) found information about " payday '' loans, or short-term loans on the Office of the Commissioner of Financial Regulation for Maryland that the interest rate that is allowable under law on the first {$1000.00} of a loan of {$2000.00} or less to be 2.75 percent per month or an annual interest rate of 33 percent. 

During a period of when my husband was not working ( nearly a year ) following XXXX XXXX XXXX, we fell into some disparate times and I was forced to take some short-term loans. In doing so I realized that I was being charged nearly 4 times the amount borrowed back with an interest rate of 534.26 % yearly. At this rate, I will never get out of debt. 

For {$500.00} borrowed @ this 534.26 % annually, I am paying back {$2500.00}. These people are taking advantage of people because we don't know the law, or we are not searching the law to know that we as consumers have rights too.
I was told over the phone ( about 7 months ago ) by a representative that my private loans had a forbearance window of 36 months over the life of each loan. This turned out to be false, and only applies to my federal loans. This realization forced me to drop my teaching job in XXXX and return home immediately, effectively wiping my savings ( because I had to buy a plane ticket right away ). I am now currently unemployed because I needed to return home, because my XXXX salary could not or can not pay for the monthly loan payment. My loan payments, all private and federal, including Navient and XXXX, will now be $ XXXX in XXXX. Again, this amount would not have been affordable on my previous XXXX income ( $ XXXX ). 

I have asked several times for refinancing options on my private loans due to my unblemished payment schedule and my low income level but no options have been provided. I would like to payback my loans, but $ XXXX is too much for my income level. Please seek reason and offer me some refinancing options, or point me in the direction of a viable loan consolidation agency.
CACH , LLC KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET..
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Needing other payment options besides {$460.00} a month, on top of navient saying my ffelp loans arent covered under dtr
See attached letter to State of Maine which advised they lack judication. Referred to CFPB
On XX/XX/XXXX, I had {$76.00} past due with a XXXX XXXX XXXX card. The reason I was past due was because I did not receive any communication from XXXX XXXX that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, XXXX XXXX denied my request to have the late payment removed from my credit reports. I believe I was denied by XXXX XXXX without consideration that I did n't have knowledge of a late payment.
I have some inquiries on my credit reports that I did not do. I also received a letter from the XXXX turning me down for a car loan.I called and they stated it was nothing they could do they got the info from a place called XXXX ( this is XXXX of the inquiries on my report ) I disputed this with equifax and they stated it was valid I dont understand how. Please help me I need assistance, i did not apply for a car loan I have a vehicle I just obtained in XXXX 2014. I also tried to put an alert on and for some reason I always get an error online or when i call it states i can not do it by phone.
I applied for a Bank of America XXXX XXXX with a XXXX percent promotion for 15 months. I clicked through their website and was approved for the card. Unfortunately, I was not told that I was n't approved for the advertised promotion. I 've since moved my medical bills to that card ( and made other purchases ) and am now paying interest on a card that is even now advertised as XXXX percent for the first 15 months! Feels like bait and switch.
Due to the complete lack of organization, overriding negligence, and careless mistakes we were 13 days late from our agreed closing date. The calendar days ( not business days ) are extremely important because we had repairs needed on the house that were not just cosmetic, they were for health reasons for our daughter ( and there was mold ) and the construction takes into account weekends. The construction company had planned on using all available week and weekend days. 
Due to the lack of operational and industry knowledge of the new rules and regulations on on the mortgage company 's side, Academy Mortgage, we were forced to change everything with our move. We had to rebook moving companies, get storage for our possessions, and forced to stay weeks at hotels. We issued a claim against Academy Mortgage to cover our costs associated with the missed closing date and financial impact this caused our family. We submitted a letter detailing what they had put us through and their negligence ( not running title searches when they should have, incorrectly informing us of actions needed, having us fax IRS transcripts to their organization, etc. ). 
The letter explained that the days we had to stay in hotels was XXXX because of our post possession closing gave our contractors an actual of 19 days to get the work done. The letter detailed the financial loss and stress they put us through and they responded with incorrect facts. I ca n't believe in this day and time the level of negligence, lying and mistakes allowed to occur and impact consumers financially is still allowed. We are looking for Academy Mortgage to cover our losses caused by their organization. We are not seeking ( at this time ) reimbursement for lost wages, food or other losses, we are only seeking reimbursement for the direct financial loss of the hotel stays needed for the delayed closing.
I have been attempting to work on my credit for nearly 2 years now. I have been contacting creditors who I owe money to to try to pay what I owe. There are however a few creditors who are attempting to collect money from me that either I do n't owe or am unsure that I owe the amount they state I owe. Ability Recovery Service is XXXX of the collection agencies who say I owe money I am unsure I owe. 

Ability Recovery Service popped up on my credit report about a year ago. Well into the process of me rehabilitating my credit report. At first I attempted to dispute the account because The amount they were showing was outrageous. When I received investigation results from the XXXX bureaus stating this debt was " verified, '' I decided to contact Ability Recovery Service. At first I tried simply asking the representative at Ability Recovery Service for an itemization of the charges. However, when he told me that they added a {$600.00} collection fee I was furious. 

I argued with the representative as the amount they were trying to collect was {$3200.00} therefore nearly a XXXX of that balance was just a collection fee. Since I was now sure that there was definitely something odd going on with this account I asked for an actual itemization of the debt and gave them my e-mail and my fax to forward it to. I also asked for any original contracts and signatures they had on this debt. That conversation was back in XXXX of 2016. When I did n't get the documentation as I was told I would, I called again. They claimed they sent it. However, because it was supposed to be sent to me by e-mail or fax, I know for a fact that it was never sent as I never received any documentation from them. I even made sure to check my spam folder. 

After waiting patiently for documentation that never came, I then decided to send them a written request for validation which I will attach a copy of to you. This was done XXXX XXXX of this year. We are now in XXXX XXXX of 2016 and it 's been 90 days since my original request and XXXX since my written request. Ability Recovery Service has not provided me with any proof of debt yet they are still reporting this on my credit report as a collection. This is a clear violation of collection and credit reporting laws. 

Since I have been working so hard for years now attempting to fix my credit I am beyond outraged that this company would collect and credit report a debt they ca n't prove I even owe. If they continue to do so without providing me any proof of debt then my only recourse would be to simply sue them. I am hoping that I wo n't have to go trough a lengthy court case over something which should be obvious to a trained collection agency. Either provide me proof of debt or stop collecting and reporting it. Please assist me in this matter before I have to sue. 

XXXX University is the school.