WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing this letter to request your assistance with keeping my home. I requested assistance from my lender but their Decision Letter ( Page 1, 3nd paragraph ) stated although I may have a hardship, I do not qualify for the Home owners Assistance Programs listed on their evaluation summary. XXXX See attached documentation. ) On XX/XX/XXXX, XXXX XXXX XXXX, my mother ( co-borrower ) on the loan passed away ( death certificate attached ). Prior to her passing we were on time with our payments. At that time, I made a request to my lender for assistance and was not offered a principal reduction to make my payments more affordable, but was given a modification. My mother and I were splitting the payments of the mortgage, utilities, and the Home Association Fees. We qualified for the home based on both of our incomes. 

REASONS FOR FALLING BEHIND : PHH graciously has offered me a modification, in the past, and I am very thankful. However, due to health related issues and a reduction of work hours I fell behind in my payments. This began to occur around XX/XX/XXXX. During that time, some weeks I worked XXXX hours and other weeks only XXXX hours. Health issues further caused me to get behind in my payments. In XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX, I was hospitalized and subsequently placed under Doctors care ( documentation for hospital stay and time off from work attached ). 

CHANGE FOR THE BETTER PERTAINING TO FINANCES & HEALTH : Currently, my circumstances have changed for the better. I have fully recovered from my illness and back to working a full XXXX hour work week. My employer is even allowing me to work overtime ; I have received a pay raise and bonus. I have also started renting out a room at my home again so I can maintain my mortgage payments even if my health starts to decline again. 

REQUEST : I request assistance with getting back on track with my payments, such as payment reinstatement and principal reduction. The balance on my loan is around {$410000.00} and I owe a little over $ 25k to get back on track with my payments. 

I am committed to keeping my home, but I need some financial relief with my mortgage, and any assistance you can provide would be greatly appreciated. 

Thank you for your assistance with this matter and let me know if you need additional documentation from me. 

Sincerely, XXXX XXXX
I cosigned for a loan in which I am responsible for all money required to fulfill the contract. The signer defaulted on loan. Loan company sent a notice of plan to sell property-private.it included a reinstatement or redemption letter.The signer has no means to redeem or reinstate the loan. I decided to redeem the vehicle.They had imposed XXXX requirements to redeem vehicle, I complied. They had sent a release to the repossession company and I retrieved vehicle. I had requested they send lien release and title to my address.Not to the default y signer, they agreed to this. They took my address and said they will overnight the paperwork .This did not happen After a day or so had passed I called and requested to be sent same and again they promised overnight delivery. This did not happen. I called again and spoke to a person who had told me she will not send these documents to me because she believes that the default y signer had more money involved and deserved the vehicle. I have taken this up with all thew law enforcement agencies at hand to no eval this includes the ca. dmv. The default signer came to my home and took the vehicle. The ca dmv has started paperwork for transfer of owner to me but I can not complete without the lien release form. I sent a demand letter for the same but they have not responded.They have faxed/facsimile to me knowing the Ca DMV does not except facsimile copies. A XXXX XXXX had told me to sign up for and aquire a XXXX Account and send the account number info to her and she will overnight the lien release, They again deceived me, which from the beginning they have deceived me at every point.I attached my fax page to this account of XXXX.
I have received numerous solicitation calls for refinancing after asking to be placed on the do not call list. on XX/XX/19 an associate from Global Equity Finance ( XXXX ) reassured me that he can lower my monthly mortgage payment and that all he needed to do is ask me several questions. I answered his questions then he said I will run the numbers and call back. Within minutes I received a notification that my credit file was accessed although I did not give consent for this.
On XXXX XXXX, 2015 I purchased a XXXX XXXX from a local XXXX dealer. I was trying to get financing through XXXX bank but opted to go with the Chase since XXXX could not process the loan application before the vehicle was scheduled to be picked up. On XXXX XXXX 2015, I received confirmation through the mail that I had received financing from XXXX. On XXXX XXXX 2015, I visited my local XXXX bank and decided to utilize the loan from XXXX since the terms of the loan were better. XXXX initiated the loan process and sent a check to Chase on XXXX XXXX, 2015 for the amount of {$30000.00}. According to the copy of the check I received Chase cashed the check on XXXX XXXX, 2015. Assuming the process was complete I started making payments to XXXX in XXXX of 2015. 
On XXXX XXXX, 2015 I received a letter from Chase indicating that my loan payment was due. I contacted Chase to explain that XXXX held the loan for the car and the Chase representative stated that Chase held the loan for the car. I contacted XXXX in XXXX in an attempt to determine why I was being contacted by Chase regarding a loan that I thought had been paid off. For the last XXXX months I have been forced to make payments to both XXXX and Chase for the same car loan. Chase has done nothing to resolve the issue. Personnel from XXXX have tried to determine how a check was sent to Chase, the check was cashed by Chase but no one at Chase seems to know where the money has gone. 
To date, no one from Chase has ever contacted me regarding this matter. While I have repeatedly contacted them with assistance from XXXX. Each time contact is made, I am told that I will be contacted by someone from Chase with information pertaining to my loan.
recently my bank XXXX XXXX XXXX request my credit report in order to give me a loan for a house and appear in the report a bankruptcy.I have never declared a Bankrupcty
I have never lived at the address where XXXX authorized an account to be opened which apparently used my social security number. I have lived at my current address for 13years straight. The services that I had with XXXX was at my current address and was paid in full and cancelled and all merchandise returned. I spoke to them over the phone and was told on yes we see your account was closed and current and a refund mailed when closed we will take care of. Now this {$920.00} balance is showing under my social and the address they have is not mine. I currently have XXXX cable services
My father was contacted by Portfolio Recovery Associates about a {$2300.00} debt to XXXX XXXX from XX/XX/2013.My father purchased a {$650.00} computer XX/XX/2013 and his bank statements show payments of this amount to XXXX in XXXX 2013. My father considered this debt discharged. He has no idea what the {$2300.00} charge is. We contacted XXXX and Portfolio Recovery Associates for account level detail about this debt and they are unable to provide it to me. I sent a letter by email today along with bank statements disputing this debt. Will send by certified mail tomorrow.
XXXX XXXX is showing 1 past due payment amount forXX/XX/2018. Payment was not late from me but was posted late from mortgage company.
ProCollect Inc is reporting on my credit reports that I owe them a balance of {$550.00}. I never had a contract or resided in a property ProCollect Inc Manages. I asked them to provide validation and they sent a lease from XXXX XXXX XXXX They werent able to provide any payments or receipts .I was unaware this was going on my credit reports as I was not notified and never had an agreement or contract with Procollect. Per FCRA regulations notice should have been given no agreement or contact stating I owe them and agreed to a certain amount that they request. If item arent deleted I will seek legal counsel as this is a violation of the FCRA regulations.
XXXX needs to terminate its collections activities and remove its entries off of all credit bureaus as this debt is now beyond the Illinois Statue of Limitations of 5 years. Citibank and XXXX have already issued XXXX in both XX/XX/XXXX and XX/XX/XXXX for other debts because all my credit card problems started when I defaulted on all of my debt in the final quarter of XX/XX/XXXX. I have been harmed and denied credit because of their actions. I disputed this via XXXX XXXX and I received the attached scan saying that the debt was valid. 

In addition, they illegally served my father with the same name as me ( XXXX XXXX ) with papers to go to court in XXXX County Illinois. My father suffers from XXXX/XXXX  and had to go to court to to demonstrate that he is not me. My family tried to explain to the process server and the company that he is not me, but they would not listen. My brother who was a XXXX county sheriff police officer had to accompany my father to court because he was not able to go on his own! This was a very upsetting experience for my father, and he suffered XXXX XXXX XXXX from the entire situation. This company should be sanctioned for these actions and I would gladly cooperate in any proceedings against them.
Please be advised this was my SECOND WRITTEN REQUEST to Equifax. The unverified items listed below remain on my credit report in violation of Federal Law. Equifax are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Equifax first investigation, Equifax stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? 
Equifax have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - Equifax are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear, I demand the following accounts be verified or deleted immediately.
You as a credit reporting agency continually keep returning my disputes back as verified. How is this possible if by design they never actually conduct an adequate investigation? It is public knowledge that they simply verify the disputed items by using the XXXX system. According to the FCRA this is in no way an adequate for an investigation. I have over the course of three rounds of letters have sent demands of validation and verification to the creditors and collection companies. Since there has not been an investigation into these accounts I am DEMANDING an investigation into these accounts. I am aware of your business model you are in no way responsible for the wellbeing of the public nor do you care. You are simply a data collection company that conducts only b2b business, for the sole purpose of selling data to the highest bidder, and the integrity of that data be damned. There is no actual verifiable proof that these items are in fact mine. Under the UCC have you researched or attempted to compile any contract between me and the alleged creditor, I can give resound NO YOU HAVE NOT! I therefore DEMAND that you do a thorough investigation into these accounts as required by law. 

Please Delete the following accounts. 

1. XXXX XXXX XXXX credit record ( # XXXX ) 2. XXXX XXXX XXXX credit record ( # XXXX ) 3. XXXX XXXX XXXX   credit record ( # XXXX ) 4. XXXX XXXX XXXX  credit record ( # XXXX ) 5. XXXX XXXX XXXX ) credit record ( # XXXX ) 6.  XXXX XXXX credit record ( # XXXX ) 7. XXXX XXXX XXXX account ( #  XXXX ) 8. XXXX account ( # XXXX ) 9.  XXXX XXXX credit record ( # XXXX )
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account Resolution Corp ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
I had a mortgage with Bank of America back in 2012. My loan was modified by Bank of America however there was a clause that I would take on an additional XXXX dollars. Bank of America added on XXXX XXXX onto my principal balance and for no specific reason except that they could at the time. They told me If I wanted a modification on my loan I had to take on an additional XXXX dollars. They are acting with fraudulent behavior to charge me for something I never received. I would like this amount credited to my existing loan, since it was a interest only loan. I was paying them interest on top of the additional XXXX.
Equifax has discriminated against me by listing items on my credit report that occurred because I was emitted in a VA Hospital as a XXXX veteran. These items which do not belong on my credit report have prevented me from receive credit by many companies and have cost me because I receive higher interest rates on credit and loans. I suffer XXXX due to exposure to an XXXX in XXXX while on XXXX and there are items on my credit report that are do to this injury and XXXX. I have attempted to clean my credit report with this firm to no avail.
Medial treatment done XX/XX/XXXX and Hospital claims I had no medical insurance. Went to Urgent care earlier that same day and that claim was processed XX/XX/XXXX per Urgent care office. I received a letter from AR Resources showing debt went to collection. Did not received letter from Original creditor, who was XXXX XXXX XXXX XXXX, XXXX. AR Resources placed collection on credit XX/XX/XXXX for {$710.00} and {$51.00} separately. the {$51.00} debt was paid through Insurance claim XX/XX/XXXX. The {$710.00} was paid per Healthare provider. The original creditor never processed claim, stating I had no Insurance and per new rules on Medical debt, must be 6 month prior to sending to collections. Collections placed XX/XX/XXXX. I've disputed this in XX/XX/XXXX. XXXX has also stated per phone call that it was procedded through claims.
I had four collections accounts with XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove them from my credit report, I checked my credit report and all four were removed. Now I received a copy of my credit report and they are there again, I called Experian and they told me they will removed them but nothing has happen yet. Please remove all four XXXX XXXX XXXX XXXX collections from my credit report.
I leased this vehicle from Mazda Capital Services- Chase The lease ended on XX/XX/XXXX The car was returned on XX/XX/XXXX, directly to the dealership as instructed by the leasing company. The vehicle was pre-inspected, and I received the estimated wear and tear charges. As of today, the online account shows a late payment and a late payment fee for a lease that already ended and money that I do n't owe. I already called seven times, and they keep apologizing about it and refuse to email me a confirmation. In the meantime, my credit score dropped 15 points due to the late payment.
On Saturday   XXXX   XXXX  , I agreed to transfer tickets to someone for a concert in  XXXX , FL. The agreed upon price was {$1600.00} for  four tickets. The buyer wanted to send me payment via VENMO, which is marketed  by the company to be a safe and secure way to send money easily fro m one perso n to the other. In my previous experience of using the app, I agreed with this.     The person sent me  eight  {$100.00} transactions and  one of  {$800.00} for a total of {$1600.00}. The VENMO app then reflects the amount that you have in your VENMO account in green font and with a plus sign- example : + {$1600.00}, therefore, it APPEARS as if you have instant money. You then have to transfer the money to your bank account which takes  2-3 day s.     It is not until the transfer process begins that VENMO actually begins to verify the funds. I contacted them via help chat expressing my concerns that I was possibly scammed and was basically told to just wait and see what happens to see if the money goes through to my bank. I then received an email from VENMO abou t 2-3  days after the transaction basically informing me that I had been part of a scam and that they were n't at liberty to say how I was scammed but that I indeed was part of a scam, there was nothing that they or I could do, it also said to basically be careful next time, only use the app with people that I know, and that I was out of luck to recover my {$1600.00}.     After complaining to VENMO and demanding they remedy this issue, they responded back by saying they will be permanently deactivating my account, will not offer anything, and will not answer future inquiries.     My main issue/grievance with VENMO is that they are very deceptive in their marketing tactics and exactly how the app works. The " money '' shows from one user 's account to the other " instantly '' and appears to be clear and readily available for transfer to the user 's bank account.     I want VENMO to be more transparent in how the app works and I want them to make me whole again by providing remedy to me in the amount of my loss, which is {$1600.00}.     Thank You,  XXXX   XXXX
On XX/XX/XXXX I send a letter Certified mail to Suntrust Bank/XXXX Suntrust Bank received mail on XX/XX/XXXX Letter is about : To Whom It May Concern : After a review of my current credit profile and report, it reflects what seemingly is a pattern of fraudulent activity on the following accounts : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), and 90.953 FLA. STAT. ( XXXX  ), we have request verification of the authenticity of the original document ( s ) from individuals listed above at our expense. Please advise of a location and time in the XXXX, Florida area. 
90.953 FLA. STAT. ( XXXX  ), in pertinent part states : Admissibility of duplicates.A duplicate is admissible to the same extent as an original, unless : ( 2 ) A genuine question is raised about the authenticity of the original or any other document or writing. 


Suntrust bank have not accept my request meet in location and time in the XXXX, Florida area to verification of the authenticity of the original document ( s ) from individuals listed above at our expense. 

I asking does Suntrust bank have the original copy of the promise note that claim I sign?
. I requested a copy of the online application filled out online to get this credit card. Did not receive it. May I have a copy of the online application used to get this credit card.
I am filing this complaint because my request to provide me with the documentation that their company has on file that was used to verify the account I disputed, has been ignored. Be ing that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
The credit reporting agencies will eliminate the reporting of debts that did not arise from a contract or agreement by the consumer to pay, such as tickets or fines credit reporting transactions listed as unacceptable data ... Examples include, but are not limited to : towing charges, vehicle storage fees, parking and traffic tickets/fines, toll road fines/fees. '' " Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, library fees or fines, parking tickets, speeding tickets, and court fees or fines. " Motorists with existing red light camera, speed camera or parking ticket debt on their credit report can expect that their records will be cleared. Under the legal settlement, consumers have new rights to dispute incorrect items on their report. 
Traffic Tickets and Government Fines Will Not Appear in Credit Reports Cities and counties often refer traffic tickets and government fines to collection agencies, or sell them to debt buyers. Currently, collection agencies and debt buyers report these tickets and fines as " debt '' to the CRAs.CITY OF XXXX XXXX Account # Beginning in XXXX 2016, CRAs will no longer report debt that " did not arise from any contract or agreement to pay, '' such as traffic tickets and government fines. 
I have XXXX paid parking tickets on my experian credit report that should be deleted based on this new policy. 
CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX I have called repeatedly to talk to a supervisor and have left several messages as the first level customer service agents have no idea about there own policy! Nobody has bothered to call me back.
This company " premium asset services '' refused to identify themselves when I returned a phone call after being hung up on by an employee who called my business number to verify who i was and hung up chuckling. When I called back to try to identify this " company '' and validate the reason for the call, another employee told me it was not his responsibility to inform me of the company name or matter, just that they were moving forward with the precedings and again hung up on me. I called back again and spoke to the " executive director '' who said he did n't want to argue the semantics of debt collection with me and rudely asked " if I was going to pay or not '' to which i said No. I tried explaining that I want proof of this debt and he said they have previously sent notifications. Not once did they notify me that " this is an attempt to collect a debt and any information obtained will be used for that purpose '', a phrase I know needs to be used in my state of Massachusetts under the FDCPA. They used language suggesting that they would " sue us '' if not resolved today. I have never dealt with such a bullish, unprofessional, and aggressive group. My wife stopped answering harassing phone calls from one employee because he would say things like " I do n't know what you are so afraid of? '' We have phone records of up to 4 phone calls in a single day, also against the massachusetts FDCPA. When asked to identify themselves when you do answer the phone they just repeat can i speak to " your name ''. If you ask what this call is regarding they ask if they are speaking to you. Upon finally talking to the executive director, he calmly talked to me and said " ill be honest with you, there is n't enough debt here to take you to court '', even though his colleague informed me that they were " moving forward with precedings '', another infraction. I agreed to pay the debt upon validation, and he wanted me to give him my credit card today for a future withdrawal to secure our arrangement. to which i said absolutely not, and he told me to get a prepaid card and call him back with it. I am writing this in the hopes that others do not have to deal with this type of harassment from such an unprofessional " company ''.