WillisBack/dataset-financial-user-claim huggingface dataset:
I receive a notice from XXXX XXXX XXXX Stating that I owe a debt for XXXX XXXX Nevada for {$580.00}. I immediately sent them a I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it.This company has reported this collection account to XXXX   XXXX and XXXX XXXX that stated I owe them in the amount of XXXX.. I have received a return mail letter stating this account is valid. However they did NOT send adequate information that needed to validate this debt. I asked for the original contract with my sign date and signature. They just sent me a bill. I sent them 2nd demand letter requesting the same information. They sent me a letter that states these exact word. 

Dear XXXX XXXX Cavalry is in receipt of the letter of dispute made pursuant to the Fair Credit Reporting Act ( " FCRA '' on the above referenced account. 

In acknowledgement of the dispute, we have requested that consume reporting agencies report the account as disputed. 

We have reviewed the dispute and find the dispute lacking in any specific facts or information which would allow us to conduct an investigation. Because the dispute alleges no specific information to form the basis for an investigation, we are unable to investigate the dispute pursuant to the FCRA. 

Please provide us the specific information that is being disputed and an explanation of the basis of the dispute. 

If you have any question please contact us at XXXX from XXXX Eastern time Monday through Friday. 

Well I have call and sent certified letter and gave them all information that they request and they keep sending me this same letter. Never addressing that this is not my account. I never had a XXXX account and I want this remove..
I applied for a modification in XXXX of 2015, I was told by my previous lender that the modification was approved. I was initially told my loan payments would go down to the {$1200.00} range, and then I was given documents that stated my payments were {$1600.00}. I was told to make my initial payment on XXXX/XXXX/2015 to the new servicer, JG Wentworth. I made that payment, as well as subsequent payments. My current lender, JG Wentworth is taking my payments, but they are not acknowledging the payments or applying them to my loan. They will not give me any mortgage interest or apply any payments. I have called multiple times and they are stating my information is not being updated in their system and there is no one that I can speak to because underwriting handles it and underwriting does not speak with people. They have also stated that I should still continue to make my payments of {$1600.00}, even though they are not being applied to my account, and even though J. G. Wentworth is sending me statements that say that my payment amount is {$1400.00}.
XXXX XXXX pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry is fraudulent and unauthorized. I never applied for an auto loan from XXXX XXXX.
I recently purchased a home for XXXX. It appraised for XXXX. I requested to have XXXX removed since I have the proper loan to value ratio to have it removed. Wells Fargo sent me a letter stating my options for removing XXXX. I spoke with a Wells Fargo representative and we looked over the letter together while on the phone. She stated that I qualify to have XXXX removed, but that I need to have another appraisal done at my expense. I had another appraisal done, and the value was stated at XXXX. I received a letter from Wells Fargo stating that I do n't qualify for XXXX to be removed because I did n't make improvements to the home. This was not a requirement in the letter l initially received, and it was n't a requirement that the rep told me when I was told to order the appraisal. I want Wells Fargo to refund me for 1. ) the cost of the appraisal, 2. ) the XXXX fees that I have continued to pay while they " investigated '' this issue, and 3. ) my legal fees in rectifying this situation. I also want them to be compelled to remove XXXX.
XXXX/XXXX/XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX, and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
Those address are not mine Please removed all adress ADDRESS : XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX. XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I need a copy of my personal credit report XXXX XXXX federal way wa due to fraud identity protection. There is no number to call, can not get it on line and they want me to send a copy of my license and social security card in the mail. Not going to happen. How do I get a copy? I am sure I am not the only person that has had this problem. They do not provide a location that you can physically go to and show identification which makes it even worse.
XXXX XXXX XXXX has placed the account multiple times to different agencies for the debt I did not owe. I have already settled this account with XXXX different collection agencies 1 ) XXXX for {$56.00} on XX/XX/XXXX and 2 ) XXXX on XX/XX/XXXX for {$56.00}. The same account is now again placed with DCI for {$39.00}. I wrote to DCI that I do not owe this debt but despite my letter, they have placed this account with credit reporting companies. My multiple request to XXXX XXXX XXXX to justify why they have this past due account did not come with any information or justification. There seems to be various account numbers on these debts and all refer to my phone number XXXX which is being paid every month. 

I need your help to sort this matter with XXXX and their collection agencies which are cheating customers to pay of debts not owed to them. 

Please let me know if you need more information. 

Thanks, XXXX
My husband and I got XXXX XXXX / XXXX XXXX XXXX ONLY so that I could get Mosaic status. The invitation was in his name so, somehow HE became the primary account holder. I called and asked how I get Mosaic status and the rep TOLD ME " ... just spend $ XXXX ''. I fly EVERY week for work. He never travels. I put an entire kitchen renovation on this card to get to $ XXXX. And now that we've reached the $ XXXX threshold, I'm told that only HE gets Mosaic status, not me!? And they can't switch the primary account holder ( even though my credit score is better than his ) or transfer the Mosaic status!? How do I resolve this?! I've been  putting absolutely everything on this card and NOW they say this benefit only applies to him!? That's NOT what the rep told me when I opened the card! Completely deceptive and unacceptable!
In XXXX 2015 I paid several outstanding medical bills. These were removed from my credit report only to be re-added again. I contacted both Trans Union ( I have heard nothing ) and the collection service. They promised to have these items removed 3 weeks ago. That was supposed to happen within 7 days. Its has not. 

My credit rating rose to XXXX XXXX XXXX and and 2 days later dropped to XXXX. This was direct result of the paid items being re-added. I was about to refinance my home and am now unable to secure a better rate. 

Thank-you for your assistance in this matter.
XXXX XXXX XXXX We disagree with the balanced noted on Equifax and XXXX noted as {$38000.00}. The account was open in 2006, we need to see the past 7 year history.
This complaint is posted as even though there is a collection posted on my personal credit report, at no time was I ever given notice of such a collection from a public utility. I do not accept public utilities having the right directly or through a collection agency to post a negative item on a consumer 's credit report. The Fair Credit Reporting Act was not established in 1970 to take public utilities into consideration, as they are governed not by federal laws, but through public service commissions in each state. Accordingly, this posting on my personal credit is illegal by federal mandate. The original utility known as XXXX XXXX XXXX XXXX XXXX can send to me an invoice for payment once the collection is deleted from my personal credit report. DELETE THIS COLLECTION AS THE DEBT WAS NEVER VALIDATED!!!
The company XXXX contacted my sister around XXXX on XX/XX/2019. The representative was very rude with her and said she better have her ( me ) contact us or were going to SUE. I called the number back numerous time just trying to find out what company it actually was. He left a voicemail that didnt state what company he was calling from. When I called back, it just kept going to his voicemail. I finally got a live person and I asked for a supervisor. I was put on hold and after around 4 minutes, the lady tried to locate my account but couldnt find me. Finally she found me and didnt verify she was speaking to me and didnt ask for the last four of my social security number. She stated the last four of your social is XXXX. I explained to her this is not aloud and she was very nice but she still didnt get the proper personal information before discussing my account.
On X/XX/17 I checked my checking account and saw that there was an automatic draft from Affiliated Acceptance Corporation. This is the company that handles the payments for my son 's XXXX XXXX. I first emailed the AAC the same night, then called them the next day to speak with customer service. I explained that I have been paying monthly for over a year, and have never authorized an automatic draft in that time. They explained to me that back in XXXX of this year, I updated my card information ( which is how I have traditionally paid the bill, with a card number that was stored on their site, but that card was lost ) that I did not take my card information back out of the system, which authorized future automatic payments. Because I paid the bill ahead of schedule the following month, I never knew about the draft until this month, when I was late. I eventually spoke with a supervisor named XXXX, who was exceptionally rude, and was told that the payment would not be reversed, and that Affiliated had " no control over what you did or did n't do on the website ''. AAC then contacted the dojo the same day ( X/XX/17 ) and was told by the owner to reverse the payment and return the money. An AAC agent named XXXX called back to verify that I was not doing a stop payment through my bank, and that she would reverse the draft. I called back that evening and was transferred to XXXX, and clarified at that time that a stop payment had not been done. XXXX then confirmed that she had taken care of the issue and that the payment should be returned to my bank within 1-2 business days, but no later than Monday, X/XX/17.
XXXX keeps selling this 11 year debt to a collection agency that keeps reporting to all 3 credit reports as a recent debt and refuse to provide proof of debt and validation of debt, ie. contract, identification used to open account, date opened or last date paid given that they are reporting this debt and it is 11 years old. I want it removed. XXXX XXXX in amount of XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX MN.
XXXX XXXX XXXX XXXX ( Beneficial ) is in violation of the New York State Real Property Actions and Proceedings Law ( RPAPL ) 1921 and New York Real Property Law ( RPL ) 275. These laws require a mortgagee ( Beneficial ) to  execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days. Failure of the mortgagee to do so entitles the borrower to a penalty based on when the satisfaction was recorded. The amounts are {$500.00} for satisfactions not recorded within 30 days, {$1000.00} for satisfactions not recorded within 60 days, and {$1500.00} for satisfactions not recorded within 90 days. Beneficial has negligently failed to execute a satisfaction/discharge of mortgage and have the satisfaction/discharge recorded on the following mortgages which are now erroneously recorded in the XXXX XXXX XXXX XXXX in XXXX XXXX, New York : XXXX, XXXX and XXXX ( see attached listing ). In a letter dated XX/XX/XXXX, Beneficial states, The loan was sold and transferred to XXXX effective XX/XX/XXXX. XXXX states in a letter dated XX/XX/XXXX, XXXX XXXX XXXX XXXX is the Noteholder of the account, and XXXX is the mortgage servicer. If the loan was sold, as Beneficial states and XXXX confirms, Beneficial is no longer the Noteholder and has no legal security interest in the mortgages and therefore, should have executed a satisfaction/discharge of mortgage for each mortgage they previously and erroneously recorded in XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. If the erroneous mortgages were transferred/assigned to XXXX, as Beneficial also states, I have yet to be provided an actual copy ; although previously requested, which legitimizes such transfer/assignment, including a copy of the actual proper and legal endorsements by Beneficial to XXXX, or whomever they allegedly sold and transferred the mortgages to. Not a prefabricated form letter that states the mortgage has been sold/assigned/transferred, without any accompanying documented evidence, which serves to prove which party owns the alleged debt and therefore may bring a foreclosure action. In addition, to date, there has been no proper written format of a document and recordation of such document, which provides notice to the public of an effectuated assignment. I am entitled to such copies and verification, if it exists. The negligent actions of both Beneficial and XXXX remain unconscionable during the ordinary course of business, which leads to further harm to the consumer. It is now going on six months since Beneficial has sold and transferred the aforementioned mortgages without adhering to established law.
I had a XXXX modification that took off {$10000.00} off my loan. I originally bought my house for {$110000.00} now my balance is {$84000.00}. I asked Nationstar to please remove my PMI since I am 75 % into the loan. They originally told me it would be automatically removed XXXX/XXXX/2017 or pay 20 % of the total loan. They are now telling me since I got my home modified XXXX they will not be removing the PMI because that was my original loan not my modification. This is all not making any sense to me. I am not trying to pay anyone to re-appraise my home and I did n't think it should matter. I am NOT delinquent on my loan. All this do n't make sense if I got my loan modified. Modification is suppose to help me afford my home. I 've been in my home for 9 years and I 've been paying a PMI of $ XXXX on my mortgage. Please help I am truly frustrated and I feel the Mortgage company is trying to get over on me. I 've never refinanced my loan just a modification was done.
XXXX personal loans is reporting that I am more than 30 days late on 3 payments which isn't true I have bank statements and XXXX statements showing I've paid them. I contacted the credit agencies as well as XXXX  and they reassured me the problem would be resolved but it's not and it's ruining my credit.
Fraudulent account. They have stated they ca n't find the reference account in previous complaints yet it 's still being reported to Experian as erroneous information and violating the FCRA.
Loan in  XXXX  - 14 days late and due to my wife being in the hospital and having only  XXXX  income for  XXXX  children. I (  XXXX   XXXX   XXXX   ) informed manager (   XXXX   ) on Tuesday (   XXXX / XXXX /   17  ) I will promise to get payment in by Frid ay (   XXXX / XXXX /   17  ) with late fee. Also informed that I was currently at the hospital visited sick wife and I will get payment in by Friday. He said okay and we got off ca ll. Manger then proceeded to call back 4 more times within a 3 minute period and wh en I answered accused me of being my sick wife. I advised him I could not talk and payment will be in Friday. He then said he will start legal action because he does not believe it is m e (   XXXX   XXXX   XXXX   ).  I then hung up only to have him call back again and leave a voicemail that he thinks I 'm lying about being me and he will start legal action. So as times are already hard for my family this guy who clearly knows nothing is harassing and threatening me about being a couple weeks late on my loan which I still have all intentions of paying I just fell on a rough time for a short period of time. Please help me!
I had a credit card with American Express I am going to return and give up because they billed me for a XXXX Bill of {$140.00} and have refused to take it off my credit card and I will not pay for it as I never used the ticket. I called them and XXXX refused to give me credit towards another trip. According to the law one can not be charged on a credit card for something they did not purchase. I received no trip on the XXXX trip and will not pay for it to American Express. My card number is XXXX and I would like American Express to take my card back for fraudulent billing for a purchase I did not use the XXXX Bus Ticket.
An XXXX card owned by XXXX XXXX XXXX has been reporting that my autopayments have been " returned '' and fees have been added to my bill. This has been going on since the XXXX 2016 statements. I have checked with my bank and the bank reports that they have not rejected any requested payments. I have written to the company asking for the fees to be reversed and for them to accept the payments and I await a reply.
Citibank called my father, whom I do not live with and disclosed personal information about my debt and being behind with my bills. The third party ( father ) was informed about how much I owe them. They leave robocall messages on my phone every day, and do not make themselves accessible for me to try to call back at an appropriate time that allows me to solve the issue.
We are not getting our statement in a timely manner and after 17 years we are still paying mostly interest. Out of our last 2 payments only around {$20.00}. went to principal.

When I've called them in the past about this they tell me things like " it's complicated and it all according to what day our payment goes in ''. I also believe they've held back deposit on payments for this reason. 

Once when I mailed the payment 10 days before it was due they charged us a late payment. The payment was received on time but they held it. When we verified this they backed off of the late charge.
I have contact this company on several occasions. The first time I was told I was n't in their system. ( If they were unable to verify me how can the verify that the balance is valid ) The second time, I called they were able to locate me in the system and were suppose to follow back with me after speaking with the orignial debtor. I never got a call back. Third attempt, I 'm still awaiting a call back from a manager. I have also attempted to dispute with the original debtor but they indicate they no longer own the alleged debt and must contact the collection agency. The collection agency, I do not have a contract with. No, the balance is n't correct ; I never attended classes there.
I transferred money from my PayPal account that was rejected by my bank. 
PayPal refuses to put the money back into my PayPal account and details an extended wait time due to their internal systems. I think they are committing fraud by not placing the funds back into my account.
A letter was sent on XXXX XXXX, 2015 in response to a DEMAND LETTER from Franklin Credit Management Corporation. The letter was sent as a Respa Qualified Written Request and has not been responded to in the time required by law, validating the debt. Several documents were requested but none has been received as of XXXX XXXX, 2015, neither any acknowledgement of such letter.
Visa Card issued by Zions National B ank 30 day late payment has been noted on my credit report.     My law firm has  XXXX  times contested this negative mark on my credit report.      Zions National Ban k refuses to remove it from my credit report.      Visa    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   2001  The statute of limitations has passed.     Please remove this 30 day late notice from my credit report.     Thanks in advance.      XXXX   XXXX
We are contacting the CFPB in desperation in dealing with our mortgage company. We were recently denied for a loan modification again due to not having a valid hardship. We did not realize after being in review for so many months that if we had given more details regarding our hardship explaining the reasons due to XXXX not working was health related having proof of this as well, that the outcome of the decision could have been different. We fell behind on our mortgage payments. In XXXX of 2013, XXXX had been XXXX from his job when the company closed. This was the XXXX time this happened with XXXX different companies. During this time, XXXX became very XXXX in XXXX of 2013 for XXXX months which is also why his XXXX was stopped as you need to be able to work and he was not after being XXXX. Since then, he has been in XXXX. He has to take medicine that is n't covered by insurance. Since XXXX is unable to work and we have increased medical expenses monthly, XXXX has been able to get an increase in pay and can show affordability to resume making payments again. We have attached the XXXX statements and monthly prescription bills to prove this hardship. We did not disclose this previously as this is an embarrassing personal situation and did not realize just stating XXXX was not working was not a valid hardship. We applied for a modification when we were current on payments as our savings was being depleted to pay the bills up until XXXX of 2013. We have been denied on a few occasions since. Although our hardship is long term, if the arrears we owe could be capitalized back into the loan and be brought current, we can show affordability to resume making payments again with just XXXX income. I know US Bank provided us with a copy of the BPO report showing the value of this home is {$250000.00}. With arrears, we owe close to {$320000.00} which makes the loan to value 125 %. We are not asking for a lower interest rate or payment, just a chance to keep this home we have been fighting for so long to keep throughout these difficult times. Please help us as we do not want to lose our home.