WillisBack/dataset-financial-user-claim huggingface dataset:
ON XXXX/XXXX/2016 I discovered a debt owed to XXXX on my credit report being reported by Transworld Systems. I found this strange since I always pay my bills and never was notified that I owed XXXX any monies. Upon contact TSI, I advised them of the situation, to which quickly we figured out they had an incorrect address for me. Clearly, this meant I was never properly notified of the problem. Should I have been notified of this bill and the impending credit reporting I would have paid it and avoided any credit reporting or continued collection attempts. I remain adamant that their failure to notify me in any capacity, phone/mail/email of a potential adverse remark being placed on my credit report is not in compliance, and request they allow me to rectify this without the penalty of it being on my credit report for 7 years. I demand they properly notify me of the balance and allow me 30 days to pay before it reports on my credit reports like every other consumer is afforded that right.
My mother XXXX in XX/XX/1995 and she had supposedly left me some money in an account but my family will not tell me where it is and I think they are with drawing money from it. how could I find out if this is true. The last bank I remember my mother having an account at is XXXX XXXX or Bank of The West, I did go into XXXX XXXX when it was open on XXXX XXXX XXXX In XXXX Ca but they gave me a no answer but she looked untrue answer, can you help me?
A debt collection company that I send payments to is claiming that they did n't receive a payment that I sent in XXXX 2016. However I 've made payments in XXXX and XXXX which have applied to my account correctly. I 've tried to rectify this matter and two months later and still has n't been resolved. It is very difficult to speak with someone about my account, because staff are rarely available. At this time I still have n't been informed about the company 's status in tracking the payment.
For a number of months I attempted to discuss the Keep Your Home California program with my mortgage loan servicer, Wells Fargo Bank, N.A. The program was developed for California 's handling of the hardest hit funds federal program. I was ultimately approved for the program and have since received a substantial some through the program. Subsequent to my approval staff working for the program advised me they had been unable to contact Wells Fargo to discuss my loan. I thereafter contacted Wells Fargo on multiple occasions in an attempt to both trigger them responding to Keep Your Home California and obtain information about their involvement with the program. Wells responded by telling me they could not talk with me because my " loan '' was in litigation. In point of fact my loan is not and has never been the subject of litigation. My litigation with Wells is based on Wells ' violation of both federal and state law and does not, in fact, involve my loan. Despite this Wells has now on multiple occasions told me both in writing and over the telephone that they can not speak with me and instead directed me to contact their attorney. Since I am represented by counsel it would be a violation of California 's rules of professional conduct for Wells ' attorney to speak with me. Given it is at least possible this " direction '' is coming from their outside counsel I have also filed a complaint with the State Bar of California about it. It is also quite possible that Wells has separately decided to try and steer me to their outside counsel however I have been a customer of Wells since they acquired XXXX XXXX decades ago. Indeed, I opened a checking account with XXXX prior to its being acquired by Wells in XXXX. The bottom line at this juncture is that Wells is refusing to discuss questions I have about the servicing of my mortgage loan by making false statements about the context and facts of the ongoing litigation. Indeed, in their latest written communication they have flatly lied about the actual dates about which I've inquired and misrepresented my statement as well.
I have tried calling the collection agency to resolve my financial issue, because I am hard of hearing and they wo n't communicate with me on speaker phone. So then I ask if they could communicate with me via email and they refuse. They told me to got get a different phone. 
First of all I do not owe the debt it was paid by XXXX XXXX. I tried contacting them and they said the the XXXX Doctor has to talk to them directly. The doctors office refuses to do this. Do n't I have the right to resolve my issue?
I use to bank with US bank. And had a credit card with them. I closed it. When I feel on lost my income. Due to becoming XXXX and they will not lower my APR.
In XX/XX/2016 my home flooded from a rain storm. I reported it to my home owners insurance and could get help because it was not covered. I contacted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Ca. and ask them for some assistance and was not given any until I contacted several federal agencies. Then they offers me a program that allows your mortgage to be dismissed for a few months, but I still had know where to live of fix my water damage. Finally they offer me a deed in lieu which I had no choice, then I ask them will it hurt my credit score and they said it will possibly show own my credit report, but they all so said the payment would stop once the process began. But they did not stand behind their word and put a late payment own my credit report that has keep me from getting another loan from any mortgage company and buying thing to help me in my life. I am a XXXX veteran and have seriously medical issues.
On XX/XX/18, I have sent the company a letter that this collection on my file is reported as inaccurate amount for {$1600.00}.

1. I have also asked that they provide me evidence that this debt belongs to me, and to provide to me " who '' verified this information, ie, signature showing that I am legally binded and obligated to pay this amount.

I have not heard back from this company in regards to my request.

This company has failed to get back to me within the 31 day period, so they are already in violation.

This company has sent me letters threatening to sue me for this amount
I have been repeatedly harrassed by NCAC. I have had XXXX call with them, including XXXX today, to cease and desist their collection efforts. They continue to call me after I have instructed them not to do so. I want this action on their part to cease.
I was trying to make a payment to Select Portfolio Servicing on XXXX/XXXX/2016 and it was refused. They threatened to put a foreclosure on my home.. In XXXX I filed a RMA Modification with them, they 've been making constant claims that they have not receive the XXXX pages needed almost deterring progress, they 've been giving me the run around after receiving the XXXX pages and then proceeding to ask for all pages, the first set of forms were faxed and mailed. I uploaded the form on XXXX/XXXX/2016 waiting to hear from them.
I submitted a complaint back on XX/XX/XXXX regarding the one 30 days late payment I had on this card which was accrued after the passing of my father. I was granted a removal of the late payment from my credit report via a letter from BMO Harris Bank. Fast forward to today, XX/XX/XXXX, I open my XXXX and the payment has been placed back on my report with no written notification to me which is a direct violation of consumer protection laws.
During the month of XXXX, I made a promotional purchase ( no interest if paid in 12 months, requiring minimum monthly payments ) in the amount of {$1300.00} ( split into 4 parts, XXXX, XXXX, XXXX, XXXX ) and a non-promotional purchase of {$230.00}, totaling XXXX. On XX/XX/2018 the statement from XXXX Synchrony Credit account indicated I had a previous balance of XXXX, and that I made a payment of XXXX effectively bringing that balance to {$0.00}. The statement reflected the new balance of XXXX. On my due date of XX/XX/XXXX, I made a payment of XXXX. Per the payment allocation option that I opted in to, it should have been applied to my non-promotional balance first. On the XX/XX/XXXX statement, it reflected my payment of {$230.00} and an additional credit of {$11.00} that I applied from my rewards point bank. On that statement I was charged a {$1.00} minimum interest fee ( an agent mentioned it was {$0.00} in actuality ). Additionally, I made a purchase of {$53.00}. On my due date, I paid the difference between my non-promotional balance and my statement balance of {$43.00}, including the {$1.00} interest charge. On my XX/XX/XXXX statement, it reflected yet another interest payment in addition to my new charges. When I called to investigate why I was being charged interest, despite that I was in fact paying my entire non-promotional balance every statement and I had opted for it to be applied as such, I was informed that they don't actually allocate the entire payment, citing that federal regulation z makes very specific rules on how the payment must be applied. However, the account manager ( XXXX, I believe ) said that, " The only way that I have ever seen it successfully done, is if you call us on the same day and ask for a 'same day allocation. ' '' It sounds extremely strange to me that they can't honor their automatic payment allocation options because the federal prohibits them from doing so, unless you ask, then they are happy to break the law for you.
I opened US Bank checking account with Promo Code " XXXX '' for {$200.00} sign up bonus for meeting one ofthe two following requrinments. 
" To receive a {$200.00} bonus open a new U.S. Bank Silver, Gold or Platinum Checking Package, and complete one or more direct deposits totaling at least {$500.00} or complete two or more U.S. Bank Bill Pay transactions of {$25.00} each within 60 days of account opening. " I did two bill payment transactions on XX/XX/XXXX through the bill pay section of the online banking user interface. 

I called the bank on Wednesday XX/XX/XXXX to check the status at XXXXXXXX XXXX  Central time. 
I was transferred to 3 different representatives. The gentleman I spoke to last said that I did not qualify as the bill payments I made were not classified as bill payment. 

I would like to bring to the notice that I did those payments through the bill pay section as they can be seen in my bill pay history in the attached screenshots. 

I have been wrongly denied the bonus and would like to request that the {$200.00} is deposited in my account at the earliest.
I'm not sure why this company is still reporting on my credit consider the fact that this was taken care of, and also citi bank is not reporting who they sold the debt to. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Client retained our firm and a QWR and 5-day letter has been sent to the lender, no response has been provided - The client has the write to counsel and we reserve the right to review the clients history of the loan to validly assist the client in obtaining assistance with there mortgage - the lender has not postponed sale to allow this to occur.
I received a personalized letter from Experian stating to refer my complaint to furnisher directly. There was no report attached with a report no XXXX
I am a XXXX XXXX that is currently being suppressed from achieving the American dream by Equifax. 

Recently, all my rental history was added to give a complete accurate account of my credit assessment abilities. Equifax failed to re-score or do a comprehensive risk assessment of my credit history and now their action is obstructing my application for a home to gain the best rates.
Back in the beginning part of XX/XX/XXXX I reach out to the regional of the office never got a response back so I had to keep calling the area manager and new area manager finally called me back she stated that she never got my message. Her name is XXXX and I stated to her that I was given wrong information about my account when I made the payment they applied it to the month of XX/XX/XXXX not XX/XX/XXXX so its showing on my credit report that Im in 30 days late theyre telling me that they can not go back and change it and I told him yes you can because I was given the wrong information I have tried on several occasions to have this matter rectified and to have it reporting correctly on my credit report.
In XXXX of XXXX I returned a leased XXXX XXXX and purchased a XXXX XXXX XXXX XXXX from XXXX XXXX via the XXXXXXXX XXXX  XXXX Dealership in California. A few weeks ago I received a phone call from a collection agency ( XXXX XXXX ) that I owed XXXX XXXX {$580.00} for " excessive wear and tear '' on the XXXX. I asked what the charges were for and requested a report. Three weeks later I received a report saying that the charges were for " floor mats '' and a " second key. '' At the time I purchased the XXXX XXXX, the salesman at XXXX XXXX XXXX, XXXX XXXX, removed the floor mats and took them out of the XXXX. Charging me for these is unfair given that I returned the XXXX with the floor mats and had no idea I was going to be charged some ~ {$210.00} for them. Secondly, I called the sales man and told him that I didn't have the second key and he said it was fine. There was no mention that I would be charged {$370.00} to replace it. But aside from all that, I never received written notification that this was an outstanding bill before being notified by Alltrans. I have a current car loan with XXXX XXXX and have electronic notifications activated on my online account through which I paid my XXXX and pay my XXXX car payments. I have a perfect borrowing history. I never received any notification through my online account. In fact, the account balance still says {$0.00}. I also never received a single phone call. I never received a paper notification. Now, Alltrans is threatening to report this and damage my credit unless I pay the balance. So I am because I feel threatened. XXXX XXXX has behaved unfairly, has been deceptive by not notifying me or communicating in the manner by which I have elected via our online communication agreement, and is being abusive by threatening me with damage to my credit score. I feel that this is wholly unfair, unethical and a violation of fair lending practices. Further, due to the lack of communication about these charges, I was never given the opportunity to contest or reconcile the charges with XXXX XXXX before being sent to collections.
Credit Bureaus were unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX - multiple entries on my credit report, XXXX XXXX XXXX - multiple entries on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
I opened an account approximately XX/XX/XXXX with XXXX XXXX for a XXXX credit card. After having a plethora of difficulty making my monthly payments on line, absolutely no success with customer service and being charged a fee to make payments over the telephone, I closed the account. I was double billed for the {$100.00} annual fee and was still unable to get any assistance from customer service. My wife filed Chapter XXXX Bankruptcy on XX/XX/XXXX which included the XXXX XXXX XXXX card due to her being a co-signer on the card. On XX/XX/XXXX XXXX XXXX sold the account to XXXX XXXX, XXXX and I received a letter from XXXX XXXX XXXX on XX/XX/XXXX. After explaining to XXXX XXXX XXXX the XXXX XXXX XXXX card was included on my wife 's Chapter XXXX, I have not heard from them again, but XXXX Funding is being reported as a derogatory mark on my XXXX, XXXX and XXXX credit report. After repeatedly calling XXXX XXXX for over 4 to 5 months, I finally spoke with a supervisor, and she stated she would correct the error, to no avail. Nothing has been done from XXXX XXXX and when I call them, I am either placed on hold or disconnected.
Syncb/Care Credit, I have tried 3 times to fix this on my credit report. I have never received confirmations of this debt. I was told it was transferred and or sold to another debt collector. I was told to call other phone numbers that I cant leave messages at or talk to representatives about. Nowthey have submitted a Charge-off as bad debt comment in my credit reports.
Wells Fargo is reporting a bad credit card account to my credit that I was only an authorized user on and not financially responsible for by definition.
This is a complaint against XXXX XXXX XXXX filed by XXXX XXXX. I have been a customer with XXXX XXXX XXXX since XX/XX/2015. Since this time they have shown to be unethical. Totally disrespect I have direct deposits and every time I would receive a direct deposits I would notice money missing from my accounts even when I was n't using the card. In XX/XX/XXXX I had to get a print out of my transaction history. For XXXX when I looked at my transaction history I notice money was being paid to Experian Credit, XXXX XXXX and XXXX which I had not authorize. I contact XXXX XXXX XXXX filed a dispute against the XXXX companies. The money was returned. They cancelled the card and put a tempary freeze on the account until they investigate. Then in XXXX the took the money put of my account account again. I called them they said they find in favorite of the business and I need to contact the business and get my money refund back. I called Experian talk to customer service clerk she ask for my Ss no. I told her I do n't give that information out so finally I give it to her she find no account. Then asks for my Debit Card number I give her the information she ( cs ) clerk tells me their are XXXX accounts open using that card andshe asks me if I know a XXXX XXXX or a XXXX XXXX. I told her I do n't know an XXXX XXXX but I know a XXXX XXXX but neither one of them live at this address. She ask if they had access to my information. I told them no they do n't live here and have no knowledge of what Bank I use. They asked if I left the information on my computer its possible but I doubt it because no one lives in this house but me. And I told them XXXX XXXX does not need to steal money from me. If anything I might need to borrow some from him. But for as XXXX XXXX I do n't know an XXXX XXXX. They said since the card was in my possession. I probably did it or let someone use my card. I told them not I did n't. I asked to speak to a manager. They transfer me to XXXX. I ask her to refund the money she said they can only transfer on payment back if that. Have my bank to dispute it. I called XXXX XXXX XXXX and gave them the information. The said the dispute is closed you can file a reconsideration. I did the said because we have the same last names and I had possession of the card the dispute is closed.
I have sent numerous of certified mail dating back to  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX   Asking Bank of America to valida te this debt of {$13000.00} that they say I owe. And in validating the made pursuant to the Fair Debt Collecion Practices Act I requested validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them. Asking them if they can not validate the debt then per the FDCPA they must delete from all credit reporting agencies.  (   Section 807-8 ) Well the y have not complied in the last 10 months of me sending these certified letters that they signed for and still have yet provided me with evidence bearing my signature of validation. Certified Mail  1 )   XXXX   2 )   XXXX   3 )   XXXX   4 )   XXXX . On  XXXX / XXXX / XXXX  I sent   XXXX   a Certified Letter including all of the certified mail receipts and all of my attempts in getting this debt validated. I got a notification that my disputes were completed and pulled my credit report on  XXXX / XXXX / XXXX  and noticed that not only were they not deleted but Bank  of America was   contacted by   XXXX   validating the debt once again without any contract bearing my signature but violated the FDCPA by not marking this debt as "  Disputed ''.  within 30 days. I can simple prove  that Bank of America o we me damages of {$1000.00} per P art 1 FDCPA 808 ( 8 ) I ' ve attached all of my supporting documents including  XXXX  disputed confirmation #  XXXX  Inwhich confirms not only did they not mark it as " Disputed '' but continue to validate the date without any proof.
I make my payment on the last day of each month. When this date occurs on a weekend, Nationstar 's website shows " for the selected loan online payments are not allowed. Online payments cost {$9.00} to make my payment, but to call on the phone to make my payment they charge me {$19.00}. I feel this is discriminatory. This forces me to pay a higher fee to make my payment before the end of the month. To avoid becoming further behind ... or chance referral to foreclosure.
The company Midwest REcovery XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX  XXXX place me in collection for a dedt that is not mine they Violated the FRCA and the FDCPA they never notified me by writing or phone by law, i want this removed immediately or i will pursue legal action for damaged this is not me i never heard from this company ... I cant believe they put in collection without informing me of nothing
I have tried several times to have them send me a contract I signed with the company for the dates of service ( from both companies i owe ). According to the fair credit reporting act section 609, they must do this! They keep telling me that they can not send me this and will only send me an itemized bill : how do I even know this was me? How do I know the original creditor didnt send it to my insurance for fraud??? 

When I asked why the amount owed for XXXX XXXX XXXX was {$140.00} more than what my credit report shows or the last bill I received from the company, they couldnt tell me an exact reason why.