WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX my house was up for Foreclosure, but an agreement was made with the lending institution to have the matter turned into a short sale instead. Also, before this arrangement was made, the company continually told me that they would do everything possible to help me keep the home. I was given a payment schedule of {$1200.00} a month, which I followed consistently. The agreement allowed me to stay in the home until a buyer was found by a real estate agent. They also gave me a check for {$3000.00} once the buyer had purchased the property and the house was emptied and cleaned. I abided by all the rules of the agreement and was eventually told that they were not able to help me save the home, but they would allow it to be a short sale. 
Now they have sent the credit bureau false and negative information about the matter. It is now listed as a foreclosure on my credit report. I sent documentation to the Trans Union showing that the house was a Short Sale. They in turn sent me a letter stating that the negative report would remain on my credit until XXXX XXXX. 
This information they are reporting in incorrect and should be removed immediately.
I have moved out the XXXX XXXX XXXX XXXX XXXX by the end of XXXX and did not own the balance of the account of XXXX. Please see the attachments for details.
I was a victim of identity theft and noticed a collection from MONTEREY COLLECTION / MONTEREY FINANCIAL SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MONTEREY COLLECTION / MONTEREY FINANCIAL SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
When we applied for the account they asked when we would like the due date and we said after the  XXXX  as I get paid on the  XXXX  and  XXXX . Our   XXXX   payday is primarily for our mortgage so all creditors go after the  XXXX . They agreed. I looked at my statement and realized they made the due date some months on the  XXXX  and others on the  XXXX . I have been charged between a {$27.00} and {$32.00} late charge for anywhere from  one  to for days late. This is specifically why I ask all my creditors to make my due date after the  XXXX . When I called the TD Bank to discuss the issue and tell them I had requested a due date after the   XXXX   they told me they ca n't change my due date. This is clearly an abusive practice from TD Bank and/or  XXXX   XXXX   XXXX  to not honor a request of a customer 's due date by a couple of days and penalize them starting at one day late. Clearly it would seem this is a strategy given the closeness of the due date that was requested. Also, not having at least a one day grace period is not only a common courtesy, it 's not even an industry standard. Very aggressive and abusive.
FOX COLLECTION CENTER IS A COMPANY THAT I HAVE NEVER CONDUCTED BUSINESS WITH. THEY ARE REPORTING THAT I OWE MEDICAL BILLS TO THEM. MY MEDICAL BILLS HAVE BEEN PAID BY THE UNITED STATES GOVERNMENT FOR MY MILITARY SERVICE SINCE XXXX 1975. THE ORIGINAL CREDITOR SHOULD BE IDENTIFIED AND THE DATE OF SERVICE SHOULD BE CHECKED AND VERIFIED AND SENT TO MEDICARE, DEPARTMENT OF VETERAN AFFAIRS AND OR DIRECT BILL.
This is what I sent to Bank of America on XX/XX/XXXX after filing a timely dispute with them which they denied. 

I previously disputed the charges form XXXX XXXX form XXXX and XX/XX/XXXX. It appears that from the attached letter that B of A presumes the charges are valid simply because google has my correct information. This is an incorrect assumption. 

XXXX previously was authorized to charge my credit account through XX/XX/XXXX. XXXX charged the amounts after XX/XX/XXXX without authorization and illegally. As you will see from a review of my billing statements there were nominal charges in XXXX and XX/XX/XXXX as we were discontinuing our services with XXXX. 

In XXXX, XXXX illegally used our previously provided information to make unauthorized charges to my account. I did not become aware of these charges until XXXX as I was traveling frequently in XXXX and XX/XX/XXXX and my accounting department initially paid the fraudulent charges. I then disputed these unauthorized charges by XXXX. 

XXXX was not authorized to make these charges and did not provide services that they are charging for as we had initiated a stop of service with XXXX. When I contacted XXXX they admitted that they had failed to stop services as requested because their agent made an " improper notation in the file. '' I do n't know exactly what this means but I had contacted XXXX regarding the end of services and they failed to follow through and failed to properly notate my file so the stop would occur. 

When I contacted XXXX directly I offered to pay them an amount that I was charged the previous months ( no more than {$1000.00} total for XXXX & XX/XX/XXXX ) in a good faith effort to resolve the issue. XXXX refused and I then initiated the dispute. 

I did not authorize any of the charges after XX/XX/XXXX from XXXX. I did not receive or request services from XXXX after XX/XX/XXXX. I have asked XXXX to provide proof that they actually provided services to me After XX/XX/XXXX and they have refused to provide this information. I have asked XXXX to provide any proof of my authorization to bill my card after XX/XX/XXXX and they have been unable to provide any proof. The fact that XXXX retained my address and billing information is evidence of XXXX 's ongoing fraud and unauthorized use of my credit information.
Upon checking my credit today I noticed a derogatory mark from Persolve LLC for the amount of {$3500.00}. I have never received a phone call and or notice via mail/ email regarding this collection. In addition I have no idea what this account is regarding. I have settled all my medical bills and or pas old debt so I am clueless to what this is regarding.
Bank of America is currently engaging in dual tracking. Dual tracking is prohibited during the modification process. 

Please see attached documents.
Fraudulent accounts/Identity theft- XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX Fraudulent inquiries-XXXX
For my report ID  XXXX , investigation ID  XXXX , Experian refuses to remove  XXXX   XXXX   XXXX  credit account that has a $  XXXX  balance and the  XXXX  account. I was a victim of identity theft and when I was overseas someone used my information to open up these accounts and used my address and information. I keep submitting and submitting complaints and nothing is done and it is n't fair. I am unable to buy a house and what is more alarming is the merchants even verified these accounts are fraudulent.   XXXX   and  XXXX  have already updated them and my scores are  XXXX  for both.
To Whom it May Concern : I have been a customer of XXXX XXXX then Navient for about ten years. I have always made my monthly payments. This month ( XXXX ) was extremely hard on me financially. I called Navient and asked if I could have a forbearance just for XXXX. I will be able to pay XXXX. As stated before I have paid monthly since I acquired the loan. I was told there is a {$100.00} forbearance fee. My loan payment is about {$170.00} a month. If I ca n't afford {$170.00} why would I be able to pay {$100.00}. I have federal student loans and have never been charged a fee. They stated that this fee will be applied toward my loan. I do not have the monthly payment and I do not have {$100.00}. I find it unfortunate that a company that I have had a good relationship with for ten years is unwilling to Assist me.
Had a bill for a {$1500.00} fromXX/XX/XXXXuniversity that I paid on XX/XX/XXXX ( as shown in screenshots from bank account statements ), but they sent that bill to a collection agency XXXX XXXX XXXX who have now added an additional {$500.00}, saying that I owed them {$2000.00}. The date they gave me when I called them was XX/XX/XXXX ... but I never attended XXXX in XX/XX/XXXX, dropped out at the end of the spring semester XX/XX/XXXX This account in collections shouldn't exist.
I do not have outstanding debt and recently paid off any debt with collections. The number XXXX has been calling my cell phone numerous times everyday but leaves no message. I googled this phone number and found out that it belongs to a scam Medical Collection Agency which currently has lots of law suits against them. 

" ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' I would like the company to cease any sort of communication with me as I believe this to be harrassment and fraud.
I am trying to pay one click cash their pays I agreed to pay monthly and I 'm having problems with them accepting it.
JP Morgan Chase Bank keeps on calling my husband 's and my house. We want written notification on this debt. We want these calls to cease.
The company called up and said they were an 'investigator ' and needed to discuss my court date over their legal pending action against me. As I just received my credit report and know there is nothing on it the company is clearly trying intimidation tactics to collect old noncollectable debts.
Dear National Credit Adjusters, I just discovered that even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify their accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.
I was a member of  Citibank Visa f or 20 years. In  XXXX  I was making purchases using my credit card that were then put on another credit card # which I did n't actually own. The credit card that I was using did n't expire until  XXXX . I inquired about this and never got an answer. I also had pending charges that never carried over to the next month and there was n't any real way of knowing what had carried over since my balance was zero yet my purchases did n't add up to the total balance. I also inquired about this. I had to keep tracing things each month and it was frustrating. This pending situation was irritating but the charging  two  card # 's when I only owned  one credit card just did n't seem ethical. I canceled my membership with Citibank Visa  as a result.
XXXX  IS REPORTING DUPLICATE UNAUTHORIZED HARD INQUIRIES COMMERCE BANK AND XXXX XXXX.
I had a auto loan with Wells Fargo through my grandfather. I kept up with the payments steadily all the way up until last XXXX. I was laid off and not able to pay payments in time at the time I was almost {$5000.00} still owed and they tried to repo the vehicle. As of XXXX 2016 it 's {$2500.00} still owed and they are trying to repo my vehicle still. I have only {$2500.00} left and I will have the title. I paid over {$20000.00} it was not for nothing I hope. With out them having animosity or anything in this situation I believe they can afford to give me a chance to finish paying off less than {$3000.00} I 'm not asking for a miracle and I have paid it all off except for this small amount. If they take my vehicle I will be in more debt and with out transportation to make ends meet. What sense does that make? I have this loan since XXXX and this is the thanks for business I get? It 's not fair and something can definitely be done in this situation.
Something called IC Systems reported to my XXXX  report on XX/XX/18 that I owe {$260.00} for something called XXXX XXXX XXXX XXXX XXXX. I looked them up because I have never heard of them. It appears they are a cable tv system or such. I have never had cable tv in my life. Dont have a need for it so I have never purchased it. Furthermore, I asked them to provide me with MY identification used to open the account and they are unable to do so. It is NOT mine and MY identification was NOT used to create this account. Therefore, I want this account removed because it is NOT mine and they dont have any identifying proof of my identity showing that it is.
XXXX XXXX sent me to collections. I began paying the collection agency ( United recovery Systems in XXXX ) every month and when I did, I received a notification from XXXX XXXX via e-mail. They now do not send me statements anymore. When I call them to get my balance, they direct me to XXXX XXXX. When I call XXXX XXXX, they ca n't help me and tell me to call XXXX XXXX. I have never received any correspondence from XXXX XXXX. When I call the number that XXXX XXXX gave me for XXXX XXXX, they answer the phone, saying, " XXXX XXXX '' and say they are not Nationwide Credit. I need your help. I want to finish paying this bill and I want to resolve the credit reporting issues for this debt. How can I find out my balance and find out if I am paying the right company?
On XXXX/XXXX/16 I sent a letter to Bonneville Collections requesting validation for an entry on my credit report. I 've attached several supporting documents as well as the letter I sent them. According to the USPS tracking number, they signed for my letter on XXXX/XXXX/16. I then waited 4 weeks from that date hoping to hear from them, which I did not. After the 4 weeks I filed a dispute with XXXX and XXXX, fully outlining everything that has taken place and including copies documents that I sent Bonneville. The XXXX bureaus started a dispute on my behalf. During the time my XXXX credit reports of both bureaus described above where updated by Bonneville. They never validated the debt, and during this time that they are supposed to be doing such, they made changes to my reports. According to the FDCPA act they are to suspend collection activities until validation as been supplied. Furthermore, upon looking into this company, they are NOT licensed or bonded in my state to be operating as a collection agency. You can view the XXXX code in my letter. So not only are they violating FDCPA laws, but they are also violating state law.
A year ago, my financial advisor of 25 years left Merrill Lynch and went to XXXX. He told me XXXX would not accept the transfer of my account because I resided in XXXX. Merrill kept the account and last month send me a letter saying they were closing it in 30 days ( actually 3 weeks from my receipt of the letter ). I sought an extension until XXXX XXXX and they concurred. The account includes my IRA, etc. I have spent the last month trying to find a bank where I could transfer the accounts. XXXX, XXXX XXXX, XXXX, etc. have all refused. I have no idea what to do with the IRA. I take minimum annual withdrawals. I am a US citizen, a retired senior XXXX. I vote in the US, pay US taxes and receive social security and a XXXX pension.
I have been receiving repeat calls, including early calls for the las t two m onths. In  XXXX  when I graduated school, I spoke with a Navient representative who told me that I would have a grace period of six months before my payments kicked back in. I was making smaller payments of {$200.00} while still in school. Last month, in  XXXX , I checked my account and they were asking for {$860.00} per month. I called Navient and I spoke with a Navient representative who told me that I did not have a grace period. I informed him that I am currently not working full-time and making these monthly payments were hard for me right now. I told him I would pay what I could towards the month payment and I am still making those payments, just not in the full amounts. They told me that they would not stop calling me or my co-signer until the full payment was made. When I asked for repayment options or how they could help me, the representative said that there was nothing I could do about these loans because they were private and the only way to get out of paying them would be to submit proof that I am not working and that my co-signer is not working. This is not an option as my co-signer is my father and he does work full-time but this does not mean he will pay my loans. I am an independent and wish to pay these on my own, it it just that the current plan does not work for me. They are asking for {$870.00} per month when I make an income of barely {$600.00} a month. I asked the representative if they could stop calling excessively as it 's interrupting my day to day activities. Yesterday, they called me repeatedly a total of 13 times. Here is a history of these calls including the times and phone numbers.     Wednesday,  XXXX   XXXX  --  13 M issed Calls  XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  : Unknown  XXXX    XXXX   :  XXXX  (  XXXX  )  XXXX   XXXX    XXXX   :  XXXX  (  XXXX   XXXX   XXXX   XXXX    XXXX   :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX    XXXX   :  XXXX  (  XXXX  )  XXXX
Last XXXX I identified fraud on my credit reports with XXXX. XXXX & Equifax. I reported it to my local police department, filed a report & received documentation stating the accounts were fraudulent. I also reported identity theft at identitytheft.gov & within a month XXXX & XXXX removed the accounts from my credit report but Equifax did not. I proceeded to submit multiple re-investigations with Equifax explaining to them that they were breaking United States Federal Law under the Fair Credit Reporting Act & the Fair Debt Collections Practices act but even after filing a re-investigation for the 8th time they denied my dispute. I asked the employee 's acting on the behalf of Equifax to identify themselves with their first & last name as well as their employee number yet they continually refused. I believe this activity to be illegal & would appreciate a quick & fair response to their refusal to do what is necessary under Federal Law.
On XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/XXXX demanding verification of accuracy of the accounts and these companies only sent back letters saying it is verified but NEVER sent back any files that actually verified the accuracy.
Went thru a remodication process with XXXX XXXX XXXX. Have been paying the agreed upon amount for years!! $ XXXX- which I was told was combined 1st and heloc. Initially in 2006 1st mtg was {$1200.00} and heloc was {$150.00} a month XXXX XXXX sold to key bank and none of the agreed paperwork is on record and they have started foreclosing. I 've called and mailed 6 letters asking and showing my issues. To no avail. Even attempted using a housing counselor. She ca n't get thru either. Now I 've been making the full payment and they are sending me {$400.00} back monthly for overpayment. But not halting the foreclosure. This is my home. My parents have now been served by sheriff too. Please help
My husband and I fell behind on our mortgage. We were given the wrong information by Chase and finally after six months we were told what we could do. That was XX/XX/XXXX and now three years later we finally were approved for a modification and our payments were suppose to start in XX/XX/XXXX. We submitted our XXXX set of documents and they were rejected, we submitted our XXXX set and again rejected. So XX/XX/XXXX has come and gone and we submitted our XXXX set and it was accepted but the problem is they were accepted on XX/XX/XXXX. We are now two months behind on our modified mortgage! I asked Chase when will the payments start and I was told the date on the documents. Chase found something wrong with all of our documents! There was nothing wrong with them but they are dragging it out all over again! How can something designed to help you start out by drowning you? We are in the same boat we were in last time! So now we have to play catch up! That is not fair!
Reference : XXXX XXXX, XXXX. 
XXXX XXXX XXXX. XXXX XXXX, CA XXXXTelephone : XXXXXXXXFacsimile : XXXXXXXXRecently I ordered a copy of my credit report and found XXXX reported that I am in debit to them. 

I wrote to all XXXX major credit card companies and learned from Equifax Disputes that after contacting XXXX the item will remain on my credit report. 
Issue : XXXX continued to bill me after services ended. I paid XXXX and made every effort to cooperate ; however, I need not pay for services and products that I did not receive. 
Additionally ; XXXX promised me a city to cover and then restricted me to XXXX XXXX XXXX which is a development and not a city. 
I did not make XXXX contact from any information received from XXXX. 
I did not derive any income of business from XXXX. 
They billed me after I canceled and refused to be reasonable.
I CONTACTED CAPITAL STARTED IN XXXX THEY HAVE TOLD ME THAT I WILL BE GETTING A CREDIT INCREASE AND THE END OF BILLING CYCLE WICH IS XXXX CALLED CAPITAL ONE SEVERAL TIMES OF THIS MATTER KEEP GETTING THE RUN AROUND ABOUT THE CREDIT INCREASE HAVE PAYED MY BILL ON TIME FOR CONSECETIVE 7 PAYMENTS AND EVERY TIME I TALK TO A CUSTOMER SERVICE AND MANAGER I GET THE RUN AROUND SAYING I WOULD GET THE CREDIT INCREASE IN XXXX BY MIDNIGHT ON XX/XX/XXXX CALLED THIS MORNING, NOW ITS A DIFFERENT STORY I NEED THIS MATTER FIXED PROMPTLY.
HSBC has failed to provide an IRS Form XXXX to me for 2014. I can not file my taxes without it and the IRS has contacted me about being late. I have contacted HSBC numerous times without successful outcomes.
Ic systems inc is not licensed to collect a debt in the state of Florida as i checked and they do not exist. I tried to file a complaint through the Better Business Bureau again this company does not exist. You cant get in contact with them as no one answers the phone. I do not have a contract with them nor have i received any type of communication from them about alleged debt that appeared on my ctedit reports to all XXXX credit Bureaus.
They are reporting fraudulent information and accusations concerning a debt that i have no knowledge of. This is a violation of fcra rights and laws. This is an unacceptable practice that is hurting my credit.