WillisBack/dataset-financial-user-claim huggingface dataset:
Cell phone was stolen in XX/XX/2004 and company told me I can not cancel or report stolen and the person who stole my phone made long distance calls which was not free at the time and XXXX told me I was still responsible for charges.
After a month long ordeal of begging Ditech to pay our property taxes from our escrow account and having to prove our property was indeed the size the signed mortgage and deed says it is, Ditech told us on XXXX XXXX, 2016 when we called in the morning that our already past due taxes would be paid to our township. We received a tracking number from XXXX for an envelope that was never shipped and was made on XXXX XXXX. We called Monday, Thursday, Friday and Saturday during the week on XXXX XXXX asking when our tax payment would be sent and notified them that the taxes are past due and will be turned over to our county on XXXX XXXX with additional late fees and a lien will be placed on our home. The lien could cause a ding on our perfect credit. The taxes are still not paid and funds were removed from our escrow account to cut the checks for the payments that were never sented. We have a previous complaint for this issue with the CFPB and Ditech was sent an official notice of error. 

Ditech has been provided with tax bills and contact information for our township.
Identity theft fruadulent open accounts and inquiry Equifax XXXX XXXX XXXX XXXX XXXX Date open XX/XX/XXXX Amount XXXX Inquiry XXXX XXXX XXXX Date XX/XX/XXXX
Pioneer Credit Recovery contacted me directly to communicate on their behalf to a neighbor of mine for debt collection. They researched addresses closest to the person they are trying to contact and found my number. I feel this is illegal and a gross violation of my privacy and that of my neighbor. It is not my job to communicate with their collections. I have no right to know my neighbors business.
Hello, I am not responsible for any debt with XXXX XXXX XXXX XXXX . I have requested for XXXX XXXX, XXXX to provide me with the original contract signed with XXXX in which they 've never provided. If my signed proof ca n't be provided to me I would like this account to be deleted from all 3 credit bureaus ( XXXX, XXXX, and XXXX ).
Me and my husband are both retired senior citizens, and tried to refinance our home. The BBVA Compass Bank informed us we should not have any problems refinancing our home. We informed them that we did have a bankruptcy on our credit, and it was less than 5 years old. The banking officer informed us that it should not be a problem getting us approved, so we scheduled the appraisal per the officers instruction. The money was taken out of our account without knowledge of the date. We then received a letter stating that we were denied the loan, but we were informed by the officer it would not be a problem getting approved. We were upfront in letting them know about our credit situation, but we were mislead by the bank staff in general. We are XXXX retired XXXX and on a fixed income. The amount of XXXX that was taken out XXXX/XXXX/15 was a setback for us, especially being mislead.
On XX/XX/XXXX Tower loan called my work number. I called them back the same day and spoke with XXXX, I told her not to call my work again. Then on XX/XX/XXXX I received another phone call at work. I called and spoke with XXXX and stated again not to call my work. Then on XX/XX/XXXX I got another call at work, so I called again and told them not to call my work. On that day I also told them not to call my family members. Then on XX/XX/XXXX I got another call at work. At that point I did not call because, the company was going to call no matter if I asked them not to. They have called and left messages multiple times a day since XX/XX/XXXX on my cellphone, including calling from other cell phones daily. On XX/XX/XXXX XXXX the XXXX at Tower Loan came to my house asking for me. My daughter told him I was unavailable and he left a note on a torn piece of paper with his name and phone number on it. In addition to leaving my daughter a note a placed another note in my car door handle that was printed from Tower loan letter head. Anyone walking past my car could have gotten the letter. I called Tower loan on XX/XX/XXXX to speak to XXXX to let him know he would be arrested for trespassing if he came on my property again. XXXX told me not to threaten him and that he would do what he needed to and that he was going to sue me. I told him that the constant phone calls daily needed to stop. He was told again not to call my work, to which he replied, I have an authorization form right here so that takes care of that, I can call when and where I want to. I told him I had lodged a complaint with the Attorney General 's office as well. I told him that they needed to stop calling with cell phones daily as well. XXXX denied cellphone calling and stated that it may be other creditor 's trying to reach me. XXXX told me that it would be really hard for me to pay my electric bill once he garnished my wages. He also said that if a payment was not made by the XXXX that he would file a right to cure. He told me that I better hope I get my income tax refund sometime in XXXX as they would file a right to cure. He told me several times that he was going to sue me and raised his voice to the point of yelling at me. I told XXXX that I had made a payment arrangement online to be paid in XXXX so the daily phone calls needed to stop. I told him if he did not have a payment by the XXXX that he could call. He told me he would call me multiple times a day everyday until the XXXX despite having a scheduled payment online. I told him the reason I was not paying was due to having a XXXX child. He told me that he did n't believe me nor did he care. All he cares about is getting his payment and on time. I told XXXX I was telling him this is my cease and desist notification from calling me. I have made a scheduled payment online and that unless they do n't get that payment, the calls need to stop. I also told him I would notify them in writing that the calls need to stop. XXXX told me that they would continue until the account was paid in full. I told XXXX that I would follow up the Attorney General 's office and would consult a personal lawyer if need.
I have been trying to assume an FHA mortgage from XXXX since XX/XX/XXXX and I am having no result they keep promising to send the document and nothing was sent. 

I need your help in securing the assumption documents by mail, fax or email : Our Names : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Fax : ( XXXX ) XXXX email : XXXXXXXXXXXX Attached please find the authorization form and loan information signed by seller.
I never missed a payment ... never late on a payment ... constantly being charged XXXX fees ... numerous returned check fees and I 've never sent them a XXXX thing by mail ... I 've never written them a check that I can recall ... paid almost {$50.00} extra a month but it never reflected on my account balance ... the last payment I am gping to make was XXXX 's payment I believe, yet somehow, I owe them for more than just XXXX ... XXXX company with some illegal XXXX scamming going on ... if I ca n't get help from the government regarding Consumer Portfolio Services, LLC, I am hiring an attorney and taking all the federal agencies that have anything to do with business practices to XXXX XXXX!!!
An account was opened with Greensky Trade Credit by XXXX XXXX of XXXX XXXX XXXX. The account was in my name and was to be used for installation of a new roof on our home. I HAD NOT signed a contract with XXXX XXXX XXXX and was investigating all options of financing the roof. The account was approved for the amount of the project and only allowed to be used for XXXX XXXX XXXX. I did not sign an application, nor did I sign loan documents. It has since come to my knowledge that there are signed documents. I have requested those documents, as I did not sign them. They HAVE NOT been furnished by Greensky. On the day it was approved, XXXX XXXX asked me for my account number. I did not authorize him to access the account, and did not know that was his intention. I had not printed out loan documents and had not had the opportunity to read the very ambiguous language in the first line of their contract. When I provided XXXX XXXX the account number it was the wrong account number. I tried to use the same account number to log into the account, and was denied access. However, XXXX XXXX, using the same incorrect account number, was able to get into the account and took {$14000.00}. I contacted XXXX XXXX immediately upon this coming to my attention. He said he 'd " only asked for a dollar and was testing the system. '' Greensky denied that that was what XXXX XXXX had done. It took two weeks and a threat to report XXXX XXXX to the authorities before {$10000.00} was returned to the account. Greensky and XXXX XXXX decided to hold back the other {$4900.00} for materials, without asking if that is the monies I would be using for this project. XXXX XXXX knew why he was doing this, and as we subsequently came to find out, under one percent of the roof was installed correctly. We have leaks in the master bedroom, exhaust factors were not taken into consideration, our gutters were damaged, and the soffits were rebuilt with the wrong material and not painted. The roof needs a complete tear down and a new roof put on. XXXX XXXX left the job on XX/XX/XXXX, 2017, and has not returned to the project, nor tried to make remedies to these damages. I have been informed by XXXX, the shingle manufacturer that the roof was not installed per their application instructions and can not be warrantied.
I have a regular mortgage that has a minimal payment of {$1000.00} per month. I had recently started to pay a portion of that to the Mortgage company bi-weekly. There is no early pay off penalty. So I would send {$600.00} every two weeks. Last week, they returned the check and said that I have to submit the minimal payment of {$1000.00} dollars and included the uncashed check. I am not sure why they would not accept a check in any denomination formy mortgage. The companies name is Franklin American Home Mortgage.
I submitted my annual Income-Driven Repayment Plan re-application to XXXX XXXX and Navient TWICE per the studentloans.gov instructions - the first application was # XXXX and was submitted onXX/XX/XXXX and the second was # XXXX, submitted XX/XX/XXXX. XXXX XXXX  only confirmed receipt and approval of my application upon my filing of an inquiry to studentloans.gov on XX/XX/XXXX - case # XXXX. Navient took two more weeks and only approved my application yesterday because I wrote a strongly worded email to their " customer advocate '' after my automatic payment was 200 % higher than normal. I am already stretched thin financially after moving across the country and taking a pay cut to be closer to my family and I overpaid on my student loans this past month because of these service providers ' neglience and irresponsibility ( or just unwillingness to process my application ). The moral of this story is that student loan providers are no better than loan sharks who will use any means necessary to extract all the money they can from their customers, who are now virtually required to get some sort of degree to be competitive in the job market. My family did not have the means to pay for me to go to school and I wish someone had told me how predatory the student loan industry is before I signed on the dotted lines.
Continues to call ALL day throughout the day from different area codes, different customer serv reps which always asks me the same questions over and over again, never updates my account, will not mail a copy or email my account, I have received numerous emails with incorrect information, can never speak to anyone in the collections dept, I have been left on hold to speak to a " supervisor '' and the list goes on. So, I stopped calling them to rectify my debt, I am truly sorry I ever did business with this company, I believe they are a scam.
Several years ago our mortgage was sold and when the information was exchanged between the XXXX companies my social security number was written wrong by XXXX digit. I did n't find out until years later and in that time all of the reporting agencies changed my number. I do not feel this is my error and there should be record of a number variation in each of their systems. Why do I have to prove who I am when they are the ones who changed the reporting information and what happened to my social security number whose name is now assigned to it that it would n't recognize both of them.
I settled 6 separate accounts with XXXX XXXX. They did not remove the balance of these items nor did they update them to " settled in full ''. I disputed this with the three bureaus and all three have left the balances on the file. Since CFPB refers complaints about the way that companies report to the bureaus back to " credit bureau complaints '', I am filing it the way you asked. 

The account numbers are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX This is a violation of my rights under the Fair Credit Reporting Act.
I have disputed the following accounts ID # XXXX, ID XXXX and ID XXXX numerous times with Equifax. I have contacted the alleged source as stated in the attached document at ( XXXX ) XXXX and the Courts stated that they did [ n ] ot give any information to the Consumer Reporting Agencies with respect to this matter and that the Consumer Reporting Agencies upload from a third XXXX public system called " Pacer ''. The account are [ n ] ot mine are damaging my credit and life. Please provide me with the method of verification as required under 611 ( a ) ( 7 ). I also request to see the original contract containing my signature that you have on file with respect to the above mentioned account ( s ) per Section 609 ( a ) ( 1 ) ( A ) of the FCRA. Your failure to accurately verify these accounts have devastated my credit score and my credit worthiness. Denial of this request violates Federal Law in addition to my Consumer rights. According to the FCRA all unverified accounts must be removes from my credit file if you can not provide proof of claim and or verification. If the alleged source has not reported any information pertaining to these accounts as the Data Furnisher, who has the authority to inaccurately report fraudulent information on my Consumer Credit Report????
On XX/XX/2018 a 3rd party account called XXXX was reported on my credit profile to the credit bearues. However the original account related to this contract has had been cancelled, and I am not liable for any and all 3rd party charges regarding this account.The account is unverifiable and I have not received the proper documentation that holds me accountable.The orginal creditor has already been paid for their losses through insurance and taxation
I signed a gym contract with XXXX XXXX XXXX XXXX, XXXX XXXX for a year of gym membership which ended on XXXX XXXX, XXXX. The gym membership according to the contract can not be renewed without me going in person to the gym to renew it, sign another annual contract and being issued a new membership number. According to the contract, the annual membership can only be renewed on a month to month basis if I was paying monthly dues at the time of annual contract expiration. Since my bank re issued a new debit card with new chip my payment for 2 months did not go through. I was not paying monthly dues after XXXX XXXX. I have an outstanding amount of XXXX XXXX and XXXX XXXX to be paid to the XXXX XXXX XXXX of {$160.00} in total. 

The gym sold my info to a debt collection agency called Williams , Alexander & Associates XXXX XXXX XXXX XXXX, XXXX NJ - XXXX with a debt collection against me of {$740.00} on XXXX XXXX XXXX. I sent a certified post through USPS to dispute the amount but the letter has been returned to me. No one received it. The agency sent me a second letter on XXXX XXXX XXXX with a second debt of {$870.00}. 

When I called them on XXXX XXXX XXXX, I was informed that I need to pay $ XXXX {$870.00} now. My original debt of {$160.00} outstanding with XXXX XXXX XXXX XXXX has been misrepresented. The debt collection agency - Williams , Alexander & Associates has reported derogatory bad credit on my credit score which came down from an average of XXXX ( for over a year ) to XXXX despite my disputing the amount.
Seterus has reported information to XXXX  and XXXX Credit agencies. I have disputed information and this agency has replied that you have replied with details. 
According to the Fair Credit Reporting Agency I am entitled to the dates and the credit accounting details that Seturus has reported. I am requesting copies of all dates and information shared with XXXX and XXXX during XXXX, XXXX, XXXX.
I contacted nys hesc about my student loans, back in XX/XX/XXXX, at this time i was told upon making my sixth payment it would be reported to the credit bureaus as paying as agreed, I have contacted the credit bureaus, XXXX, XXXX, & XXXX with letters sent by certified mail and still to this date I have a duplicate account amount of {$20.00}, XXXX, which shows twice as making me owe XXXX, I just had XXXX pull the report yesterday and it shows duplicate accounts, nyshesc has yet to respod back to me about this duplicate account and updating the report when I began making the monthly payments of {$68.00} as requested, I phoned the nyshesc on XX/XX/XXXX for an update on my payments and was told they do not report payments I sent a letter on XX/XX/XXXX to the agency I have not received a response, Im asking that the duplicate amount be removed of my credit report and payments as agreed be reflected. thank you
I sent a certified letter dated XXXX/XXXX/XXXX and my ask was. 

After viewing a copy of my credit report, I noticed a collection account placed on my credit from Account Resolution Corp opened on XXXX/XXXX/XXXX and reporting balance {$250.00}. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
US Bank has a promotional offer on their credit card that provides 0 % interest. If you use more than one of the three checks they provide with this offer, the payments you make are applied only minimum payment to the purchase that is due the soonest and applies the remaining payment to the newest transaction, instead of the one that the promotion will be coming due the soonest. Because of this it forces you to pay the balance completely otherwise you are forced to pay interest, this is completely false advertising. Never seen anything like it. Wanted to file a complaint so no one else falls for this,
We have done everything that Us Bank has asked us to do and they still will not work with us. We have hired an Attorney and a Meditation Consultant.
I had a need for XXXX work and signed up for CareCredit. During sign up, we discussed the cost, I provided some private information and the credit was approved. Never was a promotion campaign mentioned or what would happen at the end of the " promotional period. '' Not aware of the promotional period, I contacted them to request an extension of credit for additional XXXX work, and again, no promotional period was mentioned. It was a regular call with a representative from the bank. At no time did she mention a promotion or offer the opportunity to pay off the balance early to avoid interest XXXX 26.99 % ).
Equifax continues to update my credit report with 5 zombie collection accounts that can not be verified or validated. I have asked them to validate this information multiple times and I have not received any form of validation of these accounts, but they continue to report them in my credit file. Three of the accounts that have the same alphanumeric characters ( XXXX ) listed as the Collection Agency 's name and the original creditor field is blank. XXXX of the accounts has the following alphanumeric characters ( XXXX ) listed as the collection agency 's name and the original creditor field is blank. The 5th zombie account has the following alphanumeric characters ( XXXX ) listed as the collection agency 's name. In addition to these entries not having the collection agency or original creditor 's names, there is also no address or telephone number for these XXXX negative entries in my credit file. I can not validate this information, nor can or has Equifax been able to provide validation.
I have two loans managed by XXXX XXXX XXXX. During my divorce ( XX/XX/XXXX-XX/XX/XXXX ) I once was unable to maintain sufficient balance in my account to make my monthly payments ( XX/XX/XXXX). My loans were on autopay, and after three failed attempts to pay they cancelled my auto pay. I have since been able to make my payments, but XXXX XXXX XXXX refuses to allow me to resume auto pay for these loans. This results in late payments when I accidentally am not timely enough to recall to make these payments manually. 

I feel that their refusal to allow me to resume using autopay is a strategy to increase their fees and interest earned from loan holders whom they've identified as struggling to manage their debt burden.
I received a debt collection letter from Transworld Systems. They allege I owe {$61.00} in an account # XXXX. I do not owe this alleged debt. I called Transworld Systems to dispute this alleged debt and they were rude and hostile towards me and their agents hung up on me. They are flagrantly violating the Fair Debt Collections Practices Act with their hostile debt collection tactics. I do not owe them any alleged debt, nor do I want any further communication from them. I do not owe this alleged debt. Their debt collection tactics have cause me emotional distress. I do not want any further communication from Transworld Systems in any form.
There is a balance of XXXX on my credit report from Western Shamrock. I have filed several complaints requesting proof I owe this debt. The only letter i received was offering me a settlement on a debt that is not mine and can not be validated. I will file a civil lawsuit if I must against this company to protect my rights. I want proof this is my debt. Something showing where I signed for this debt.