WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I sent a certified letters to National Credit Systems , Inc asking them for debt validation of the account as I never received any bills prior to the debt hitting my credit report. The alleged debt is a sum of {$2900.00}. I received a letter back on XX/XX/XXXX stating they had attached verification of the debt they obtained from the service provider. The document provided included two full pages asking for payment but no details of the alleged account. Under the FCRA 15 U.S.C. Section 1681i any unverified accounts must be deleted promptly, they where not able to provide me with the proof or validation of debt.
On XXXX/XXXX/16 I placed a call to the Agency In an attempt to request validation & verification on said Debt that they allege I owe. I requested the Agent to provide to me their Business License in the state of Massachusetts and I was instructed to 'contact ' the 'District Attorney '. 

The Agent placed me on an extended hold in an attempt to get me to hang up.
I have purchased an appliance on XXXX which was delivered on XXXX XXXX, XXXX. The dishwasher was broken and I been contacting XXXX since then without not resolution. They keep transferring me over to XXXX company and XXXX transferring back to XXXX. no one want to be responsible and replace the dishwasher or refund my money back to XXXX card. Today XXXX been waiting for more than 1hr to talk with a XXXX representative over the phone and still not getting any response. I need help to raised since I received my bill already but I still not having my product.
XXXX SOLD MOST OF MY LOANS TO A THIRD PARTY COMPANY CALLED CONSERVE, WHICH IS GARNISHING MY PAY CHECK FOR 15 % OF MY GROSS PAY. XXXX IS SAYING THAT THEY STILL HAVE 15 OUTSTANDING LOANS AGAINST ME. I 'M PAYING TWO COMPANIES FOR MY LOANS. I DO N'T FEEL THAT THIS IS FAR TO ME WHEN I 'VE TRIED SEVERAL TIME TO QUALIFY FOR THE LOAN FORGIVENESS PROGRAM WHICH XXXX HAS DENIED ME. THESE COMPANIES WOULD RATHER CONSOLIDATE MY LOANS INSTEAD OF GIVING ME THE CHANCE TO QUALIFY FOR THE FORGIVENESS PROGRAM.
I entered in to a Trial modification agreement with XXXX XXXX XXXX   XX/XX/XXXX the 3 monthly payments of {$1600.00} were paid in full. My mortgage servicer changed to XXXX XXXX during the modification trial period. I spoke with XXXX XXXX XXXX  several times in regards to the property foreclosure sale since the modification agreement was with them and ask for their assistance. They refused to assist me and referred me back to Rushmore. Rushmore will not and did not honor the modification agreement and now they have a property foreclosure sale set for my home XX/XX/XXXX.
Please see the attached letter that I have sent to Macy 's Dept Stores, after I received what I consider to be an inappropriate dunning letter. 
XXXX XXXX, XXXXMacy'sXXXX XXXX XXXX XXXX, MO. XXXXRE : Form of Massachusetts Debt Validation NoticeAttached is a letter I received from your offices. I tried calling the number ( XXXX ) several times to speak to someone live, but that was never an option. I am contacting you because your letter is very inappropriate and upsetting to me. For an amount of {$27.00} you are sending me a threatening dunning letter, that says in part, " If you or your attorney notify us ... '' and then requests XXXX types of information, such as " A copy of any judgement against you regarding this account ''. As you will know by now, a payment was made that resolved this issue. This account is paid automatically from my XXXX XXXX XXXX account for the full amount due every month. In this case the amount was above my self-imposed limit, which is a safe guard against excessive or fraudulent charging. I have attached my statement from XXXX XXXX XXXX showing payments to Macy 's from XX/XX/XXXX. 

I request a letter from you confirming that this issue has been resolved, and it did not in any way effect my credit rating. 
Send to : XXXX XXXX XXXX XXXX, MA. XXXXCc : Consumer Assistance OfficeMassachusetts Division of BanksXXXX XXXX, MA XXXX
I am writing to dispute charges of AFNI account # XXXX that stemmed from past due charge at XXXX account # XXXX. I entered into a bundled package with XXXX and XXXX while living in XXXX, CO during the time frame between XX/XX/XXXX and XX/XX/XXXX. We moved to XXXX XXXX in XXXX XXXX and transferred our XXXX account at that time ; however, XXXX did not provide service in XXXX XXXX so we had to terminate the service which we did in XXXX XXXX. We paid our final bill upon leaving XXXX ( which was combined as XXXX bill with XXXX ) and then began paying XXXX XXXX directly. In XXXX XXXX, my agency ran a credit check and I was notified of a delinquent balance that was owed to XXXX. I had never received a bill or notification of this bill of any sort. Although I disagreed with the billing because I knew we paid our final bill, I paid the past due balance. The agent confirmed that our mail was returned and assured me that this would be removed from my credit report given that I had never received a bill. 
Although I thought the issue was resolved, yesterday I received a call from my agencies security personnel who asked me about a past due charge from XXXX. I explained the situation and they ran a new credit check to see if it had been removed. They notified me that a {$150.00} past due account was still showing up on the credit report. After multiple phone disconnections and well over an hour of being on hold, I spoke to an AFNI agent and explained the situation. They confirmed that the prior bill had been removed from my credit report, but informed me that there was another account with past due balance of {$150.00}. I was not informed of this in XX/XX/XXXX and, again, have never received any form of notification of this past due balance. Additionally, the AFNI agents were unable to detail what the charges were for. 
I am disputing these charges as I know I paid the last bill in the billing cycle prior to moving and I just paid an additional {$120.00} in XX/XX/XXXX. I do not believe the current charge is legitimate.
AMX improperly applied the payments I made over the minimum due to lower interest rate balances rather than highest interest rate balances. From my calculations, I paid approximately XXXX over the minimum payments due over the past several years. However, the balance on my highest interest rate balance has continually gone up instead of down. The highest interest rate is a cash advance rate of 22.49, purchases are at 11.49. Big difference. Not only has my high interest rate balance not been reduced by my XXXX over the minimum payments, the balance has actually increased from XXXX in XX/XX/XXXX to XXXX on my current statement dated XX/XX/XXXX. Since I have not taken a cash advance in the past 7 years, I believe that my purchases are inappropriately being applied to the cash advance balance in error. When I noticed all this was happening, I contacted American Express. I have made several calls trying to resolve this and get some help. The representative told me it would take 4-6 to resolve and that I would hear from the company in writing. That was on XX/XX/XXXX. As of today, I have yet to hear anything from AMX. After contacting AMX, my XX/XX/XXXX statement was adjusted giving a credit to my account for the Cash Advance interest fees for one month of {$290.00} and my minimum payment was reduced to {$170.00}. Also, my cash advance balance was reduced to {$1500.00}. I know this is a complex case and this error has occurred over several years so I was happy to see that it appeared that AMX was trying to rectify the situation. To my complete dismay, my XX/XX/XXXX statement has the cash advance balance at {$14000.00}. I do not know what has happened to my account, perhaps a terrible computer glitch, but it is not right or lawful. I have been charged all of this extra interest on incorrect balances all of these years. My purchases should be charged a rate of 11.74 % NOT 22.74 %. Also, my payments have been increasing over the years, from approximately {$300.00} a month to my current payment due of {$450.00} due to the interest being calculated on cash advance rates instead of purchase rates. Also, my credit has been severely affected because of my credit utilization percentage being so high.
the collection agency has failed to send the legally required validation of this debt. they have been notified that your actions are detrimental to me and has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. they knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to XXXX. 
under Section XXXX of the Texas XXXX XXXX laws a third-party debt collector or credit bureau is prohibited from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office XXXX. 

Columbia Collection Service , Inc. failed to notify the credit reporting agencies that the debt is disputed. FDCPA Section 807 ( 8 ), FDCPA Section 805 ( c )
I have been banking with WellsFargo for two years and my business account for 7 months and they sent me a letter stating they will close my account on XX/XX/XXXX, I called the 800 number and all they would tell me is I am high risk, I need a better answer than that, Its really sad I have been with them for two years and all they did send me a letter told me we will cancel my account on the XXXX and they do not want to tell me the reason! 
Thanks very much for the help
I thought that collection from my provide apartment. When we end lease that apt does n't return my deposit money so we thought they make up for apartments cleaning fee. Then was 2009. I really do n't know i have serious record on my report before I checked my credit report XXXX month ago for buy house. 
and then that account joint with my husband. But my husband same account is closed but my own is still open. 

Anyway, I never has a notice from collection agency before they report on my credit report.
Debt collector has left several messages on a work phone which " does not state my name. '' The debt collector from phone number XXXX XXXX XXXX XXXX leave a message stating " this is a message for XXXX in response to debt matter, if this is not XXXX please hang up in XXXX second '' ... then she proceeds to say this in an attempt to collect a debt and states several other things. This is a clear violation of my privacy and personal information and I want it stop now.
I used Fortune Title Agency 's Services for my closing. Six months later, after not receiving a tax bill I contacted my local tax office to inquire. I was informed that my taxes and water/sewer were both delinquent and the property was not even in my name. Tax liens and judgments were to follow based on non-payment. turns out that Fortune Title Agency failed to register the deed with XXXX XXXX, thus causing a litany of problems and subjecting me and my property to enormous liabilities. I am still considering suing them for breach of contract, negligence and negligent misrepresentation.
I was involved in an auto accident last year and unfortunately my insurance refused to pay for the damages. Last month I got a call from Wilbur and associates who informed me I owed a debt due to the damages that took place during the accident. The representative I spoke with scared me and told me my Drivers license would be suspended if I did n't pay the bill. I informed her that my boyfriend and I are barely making ends meet, and it would be impossible to pay he debt off. The person I was speaking to informed me again if it was n't paid she would in turn have my Drivers License suspended. She told me in order to avoid that I would need to pay {$900.00} plus per month. Although I agreed to the payment, I in turn knew there was no way my family and I can afford to pay that per month. I was scared, and did n't know what to do and I was intimidated in setting up the payment arrangement in order to avoid my Drivers License from being suspended. I then called a friend to help me and told him I could pay {$200.00} a month at the very most. I also learned that a judgment had to be obtained before my driver 's license could be suspended in the state of Colorado, but they told me it would be suspended by the end of the month. I 'm really confused on what to do. We 're willing to make payments, and they informed us that they would take them, but it would n't stop them from suspending my driver 's license. I also had a friend to help me, and he agreed to call in and speak on my behalf. He called them, and they informed him the same thing. The rep also told him to tell me to open a Credit Card to pay the debt. There 's no way I can do that. I ca n't go into more debt, just to pay another debt. The company refuses to work out a reasonable payment plan and I feel there 's nothing we can do. I feel we 're being taken advantage of and this has caused emotional stress that 's unbearable. We do n't know what to do. If we ca n't drive we ca n't get to work, buy food for our family, and live.
On XX/XX/XXXX I received a call from XXXX wanting to verify that I applied for their credit card to which I stated I did NOT. When I checked my online reports, I noticed that someone tried to take out credit cards using my info with both XXXX and XXXX XXXX XXXX. I do n't know the date for XXXX but XXXX was XX/XX/XXXX. I called XXXX XXXX XXXX and told them I did NOT apply for credit ( they denied a credit card to the person who fraudulently requested it using my info ). I also called the XXXX reporting agencies and explained everything to them and told them to please remove these inquiries from my files as I did NOT request credit from any place. They said they would take care of it but it is still listed. A hard inquiry is taking my credit score down a few points. I also told the agencies that I will not be getting any new credit cards and to put a freeze on my accounts so that no one else can request credit. Please help in removing the hard inquiries off my file ; thx.
I proceeded with the steps at XXXX to get my free credit report from transunion. After I entered all my information I was met with this : " We are unable to complete your request What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. 
Alternately, to request your Free Annual Credit Report by mail, return to XXXX to download the request form. '' The number has an impossibly long system ... and I never receive my report. Also not having access online makes everything a time consuming struggle. Theres no way of regaining access to my free credit report online and I firmly believe that denying me this access is equivalent to denying me access to my report.
XX/XX/XXXX ; I advised my mortgage company. that I was reviewing my XX/XX/XXXX escrow account online and advised them that they did not have my new insurance rate for the year. They had updated tax rate and even showed what my new payment would be starting XX/XX/XXXX and I was the one advising them of the new insurance rate. 
When I was transferred to the tax dept. and the new rate was put in which Went from {$680.00} per year to {$720.00} per year ; which is only a {$41.00} difference ; the new escrow was refigured and instead of charging me an increase in escrow of {$41.00} ; they were calculating a {$89.00} yearly increase. I asked why and they said that is to take care of projected increase for XX/XX/XXXX. 
I was tired of trying to explain that we are dealing with XX/XX/XXXX escrow and not XX/XX/XXXX. 
I have had problems in the past with this bank as they do not keep up with the tax and insurance information. 
They are very hard to communicate with as their employees have very little English skills. 
Please advise how I can get this corrected. 
Thank you.
When additional principal payments are sent to the bank, the bank is taking finance charges out of principal only payments, even though payments are marked principal only. Five additional principal payments were sent between XXXX and XXXX and each time the bank applied towards finance charge and principal. While the bank will reverse this if you call directly, it is a predatory practice.
My Citi Thank You Card ending in XXXX shows a current balance of {$14000.00}. 
However, my year end spend summary has arrived, and whilst these XXXX numbers should match they do not. It turns out as I have suspected I have OVERPAID and Citi Thank You actually owes me {$2600.00} and potentially more since I paid interest on items that should not have applied.
I applied for a loan and the terms were not disclosed until after the money was deposited in my account. When I looked at the interest rate it is 977.3953 %!!!!!!!!!! I did not agree to that. I am sick to my stomach and do n't know what to do. I have contacted the company and no response yet. I feel I have been deceived greatly on this. I borrowed  XXXX  and I have paid  XXXX  ytd on it. This is a  XXXX  tribe.
Original loan for XXXX dollars, never received a statement on line made a payment of XXXX dollars monthly. balance is now XXXX after 6 months. had to give my bank account info to receive check. monthly deduction of a minimum of XXXXfrom my bank, XXXX.loan original called blue horizon loan co. when I ask for statement I get other peoples account. can not print or use monthly statements.account number is XXXXminimum next payment is XXXXdue XXXX XX/XX/XXXX2017. XXXX will not drop this Loan co. from my account.
I PURCHASED A VEHICLE THROUGH AMERICA 'S CAR-MART OF XXXX XXXX, MO ON XX/XX/XXXX. WHEN I PURCHASED THE VEHICLE I WAS TOLD THEY REPORT TO CREDIT BUREAU AND IT WOULD LIST AS " COLONIAL AUTO FINANCE '', WHICH WAS WHAT I WAS LOOKING FOR, SO I COULD REBUILD MY CREDIT. I WAS ALSO TOLD, AFTER ABOUT A YEAR, I CAN TRADE IT BACK IN ON SOMETHING ELSE AS LONG AS I HAVE GOOD PAY HISTORY AND I VEHICLE IS STILL IN GOOD CONDITION. A FEW MTHS AFTER PURCHASING THE VEHICLE I PULLED MY CREDIT REPORT AND NOTICED " COLONIAL AUTO FINANCE '' WAS N'T SHOWING. I THEN WENT TO CAR-MART PERSONALLY AND EXPRESSED MY CONCERN. I EXPLAINED TO THEM I WAS SOLD UNDER THE IMPRESSION, IT WOULD REPORT TO CREDIT AND IT IS N'T SHOWING UP. & I WAS MISREPRESENTED. I WAS TOLD, THEY HAD ALOT OF COMPLAINTS ABOUT THE SAME THING FROM OTHER CUSTOMERS. I EXPLAINED HOW I WAS MISREPRESENTED AND I WANT OUT FROM UNDERNEATH THE VEHICLE. I WAS TOLD, THERE 'S NOTHING THEY COULD DO.I PULLED MY CREDIT REPORT A FEW MORE TIMES AND I REPEATIDLY COMPLAINED ABOUT THE MISREPRESENTATION & HOW IT STILL WAS N'T ON MY CREDIT REPORT. AS I STATED, I PURCHASED THE VEHICLE IN XX/XX/XXXX AND IT ALL THE SUDDENS SHOWS UP ON MY CREDIT XX/XX/XXXX. ALTHOUGH IT WAS REPORTED, THE INFO ON MY REPORT WAS N'T ACCURATE. WHEN THEY REPORTED IT, THE DID N'T GIVE ME MY POINTS FROM ALL THE MONTHS OF ON TIME PYMTS AND THEY PUT IT ON THERE LIKE I JUST PURCHASED THE VEHICLE, WHICH WAS N'T TRUE. OF COARSE MY CREDIT SCORE DROPPED DRASICLY WHICH I HAD BEEN REBUILDING ALL YEAR LONG. AFTER SEEING THAT, I CONTACTED CAR-MART AND WAS TOLD I NEEDED TO CONTACT CORPORATE, SO I DID. I SPOKE TO A GENTLEMAN & HE ASKED ME " WHAT I WANTED HIM TO DO ABOUT IT? '' TAKE IT OFF?? AND I WAS INSTRUCTED TO CONTACT THE CREDIT BUREAUS AND TELL THEM TO CORRECT IT. WHICH IT WOULD N'T MAKE DIFFERENCE BECAUSE THEY SHOULD HAVE REPORTED IT LIKE THEY SAY THE WHERE GOING TO DO 9 MONTHS AGO. SO ON XX/XX/2015 I WENT IN THE STORE EXPRESSING MY CONCERN AND TO MAKE IT RIGHT AND ASKTO JUST TRADE ME OUT OF THE XXXX XXXX AND PUT ME INTO A TRUCK AND I WAS TOLD I NEED {$4000.00} TO GET OUT OF THE XXXX AND IT WAS NOTHING THEY COULD DO ABOUT THE CREDIT SITUATION AGAIN, BUT SORRY. I HAVE MADE MY PAYMENTS ON TIME AND WAS TOLD TO KEEP IT ABOUT A YEAR AND I COULD TRADE, WELL I GUESS THAT WAS A LIE TO AND LOOKING OVER MY CONTRACT IN SHOWS AMOUNT FINANCED XXXX, AMOUNT OF PAYMENTS {$15000.00}, TOTAL SALE {$16000.00} AND I PUT DOWN {$940.00} SHOULD THAT COME OF THE PAYMENT AMOUNT. I AM GOING IN ONCE AGAIN ON THE SATURDAY XX/XX/2015 TO SPEAK TO THE GENERAL MANAGER ON THE ISSUES AGAIN. I DUE HAVE A COPY OF MY CONTRACT AND I CAN FAX IT TO YOU ...
I have contested the debt but never received an official response to my position, while I have made month ; y payments to continue reducing the contested amount owing. My understanding about consumer fin=ances is, as long as the debtor is making a consciences effort to resolve the issue, turning the case for collection is illegal. This debt over a cancellation policy with XXXX started XX/XX/XXXX for {$200.00}. My monthly payments of {$25.00} every month has reduced it to {$50.00}, as of last week. By reporting the collection to the credit agencies, my credit score dropped by XXXX points and I believe this action was totally " unjustified ''. The consumer agencies should investigate the legitimacy of the collection matter before officially posting it as genuine.
Continuing issue with monthly {$12.00} acct maintenance fees and {$35.00} NSF fees.. XXXX & XXXX accts for {$12.00} & multiple {$35.00} charges on XXXX acct.
I am continually being harassed by a Debt Collector who has charged me with miscellaneous charges from my former landlord. 

I am in dispute with my former landlord over their refusal to return unto me my security deposit for the sum of {$2100.00}. They are also charging me above and beyond my security deposit of {$1100.00} plus interest for alleged damages. 

I have asked repeatedly for proof of this collection notice and alleged damages and neither the landlord or the debt collection company has provided any, yet they continue to harass me with threatening phone calls while assessing additional fees charged to me. 

I have carefully documented my departure of my former residence and the lease agreement, which I was in full compliance with. 

The Residential Landlord Tenant Act of the State of Washington, required landlords to conduct a Move in Inspection and written checklist, with the tenant at the time of move in. Because the landlord did not do this, I am demanding my security deposit back in full. 

RCW XXXX specifies that the landlord is liable to the tenant for the amount of the deposit, and the prevailing party may recover court costs and reasonable attorneys ' fees. 

RCW XXXX requires all landlords in the State of Washington to refund all security deposits within 14 days of vacancy from the tenant. Since I had given notice and which was indicated by the amended lease agreement that I would be vacating the premises prior to the termination of the lease, my former landlord had ample time to refund the security deposit and or send a written letter indicating why they are holding it back.
Before leaving XXXX, VA per my military order to XXXX, XXXX on XX/XX/2014, I personally and physically stopped by a XXXX Authorized store on XXXX, to present my military order and to deactivate my wireless services by XX/XX/2014. The answer I got at that time from XXXX that my wireless services will be put on " HOLD, '' until I come back XXXX, without any penalty nor charges. 
However, I sadly saw a collection account on my credit report under EOS CCA with a balance of {$990.00}. 
I am an XXXX XXXX XXXX XXXX, XXXX in XXXX, so the best communication is via email.
We are trying to request a short sale with Citi and they have not responded in over a month. All the requested items have been provided ( XXXX ) and we have an offer that meets the VA short sale required XXXX. I have been experiencing issues with Citi and their delayed responses.