WillisBack/dataset-financial-user-claim huggingface dataset:
My original loan was taken out with XXXX XXXX, they were taken over by Washington Mutual who was then taken over by Chase. My payments did not follow my loan, I spoke to Chase on several occasions and have letters from them that they are not seeking foreclosure and that they withdrew the foreclosure on XXXX XXXX, XXXX. I have a letter from Chase that states they are not seeking foreclosure yet my house is set to be sold at auction on XXXX XXXX, XXXX for the foreclosure initiated by Chase. In reviewing my Mortgage documents I have discovered falsified documents which I presented to Chase, upon their reviewing these documents they withdrew the foreclosure. I have contacted the Attorneys who are on record for Chase they state they do not care what documents I have that they were hired by Chase to foreclose and they are proceeding. I have a week before my house is to be sold illegally. XXXX the servicer after Chase also sent me letters stating they withdrew their foreclosure sale upon reviewing these documents. I have requested the documents from the new servicer to no avail. I have no idea who is seeking foreclosure at this point. The judgement is from Chase who did not own the note at that time which is why they withdrew the foreclosure along with reviewing the forged and illegal documents. I just received notice from XXXX who is now the servicer of the loan and they have no information either as to who is seeking foreclosure.
We have an  Equity line of Credit with PNC. The first 10 years were interest only and then reverted to a principal and interest payment plus a percentage. We have tried since the beginning of this mess to get answers from PNC and ha ve never received anything but promises that we will be receiving something. In  XXXX  of   XXXX   our letter of written request was approved by  PNC 's i n house counsel  XXXX   XXXX . As of today we have not received anything in writing to our questions. We have contacted  PNC by   phone, we have sent registered letters and still silence. We did modify the loan into a 15 year fixed principal and interest payment but we are not clear the amount that was modified is correct. All we want is our questions answered.
I sent a letter to Client Sevices Inc requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. This delinquent information is still reporting on my credit file and I am asking for it to be deleted from each credit bureau.
XX/XX/XXXX both my credit report and husbands showed on XXXX  the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. 

XX/XX/XXXX is was updated to show open XX/XX/XXXX. 

XX/XX/XXXX they both show closed again on Experian.
Auto Lease was written off in 2009 with XXXX. They recently reestablished the loan so they could re-enter the information on my credit report. Statute of limitations has expired per Colorado XXXX XXXX
I recieved a Debt owed letter from Convergent Outsourcing, Inc ; Regarding Creditor ( XXXX ), Original Creditor ( XXXX ) Total Balance supposedly owed is {$690.00}. I have tried repeated attempts by phone to contact all parties and none of them seem to be able to tell me information about this account. They all say there 's no recorder of this info, however I have the letter and believe this debt was already paid for in past. Please have this taken off all credit bureau reports ( XXXX, XXXX, and XXXX ). Thank you and Please send info by mail or call.
EQUIDATA was collecting a debt on behalf of  XXXX  which I paid in full. Upon me making in full, they agreed to remove the derogatory account from my credit report ; which they have failed to do. I paid the account off in full, and would like them to keep the part of their agreement to have it removed from my report.
I am writing to complain about Suntrust Mortgage. They have taken payment from me and not applied it to my account. I have called numerous times and devoted hours upon hours to trying to get it resolved. My check has been cashed but not applied to my account. 
I am getting the run around. 
More so, they incorrectly have my property taxes. I had gotten it verified by my township tax assessor and sent it into them. They refused to adjust it. I requested they call my tax assessor directly to verify. They refuse to do so. 
I feel they are being fraudulent and refusing to assist me with my loan. They have taken my money without applying it to my account. They are overcharging my property taxes. Please help me to resolve this.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FRANKLIN COLLECTION SV Account Number : XXXX Date : XX/XX/2018 Amount : {$170.00}
I have been given the run around from XXXX when I call and this company who has acquired my loan. I purchased this car under fraudulent conditions. This loan was purchased from XXXX XXXX XXXX. The balance and due date change is incorrect and has me delinquent. Also I was not notified of the salvage title on this vehicle. XXXX XXXX XXXX did not notify this company of the issues I had been having and am having with this vehicle. This vehicle lost power steering, leaks gas, and oil, and should have been addressed. I called XXXX and was advised they have no knowledge of the salvage title. I have brought this car to several dealerships to trade in on another vehicle and have been advised they were unable to trade this vehicle in due to the XXXX. I am at my wits end as XXXX has filed bankruptcy and everytime I call them they direct me to the new company who advises me they have no knowledge of any of this. I want all of my money back.
I contacted the collection agency Blakely Witt & , Assoc to request a validation of debt since one was never received. I was not mini Miranda. The collection Manager XXXX XXXX was extremely rude. He would take my information and i was hung up on several time. I was told he does n't have to help me with anything and to send the request for validation of debt in writing. Ask if I could speak to someone Else but he would n't allow me to stating he was only the there.
I received a letter of foreclosure in XX/XX/XXXX from ASC ( Wells Fargo ) the reason I was in default is because : my Husband and I were laid off due to the recession of the country. I immediately apply for a loan modification but was denied. Then we failed for a Bankruptcy in XX/XX/XXXX but was dismissed. We have try numerous ways to get this loan Modification for the pass six years and no progress has been made. 
I am Frustrated to hear the same story about it going through a process for almost 6 years and I still having received help from Wells Fargo Bank.
Had 2 accounts with US Bank. Both earned XXXX rewards. Prior to closing 1 account, checked rewards balance. The XXXX rewards were shared between both accounts. Both accounts showed the exact same amount - XXXX. So that all rewards would be intact if closed 1 account.
XX/XX/XXXX Closed 1 account. No mention was made about existing rewards becoming null and void.
XX/XX/XXXX - tried to redeem rewards in XXXX  account. Now rewards are split between closed account and open account. Closed XXXX Gold account shows balance of XXXX points. Not able to redeem or transfer.
They separated out rewards earned from closed card instead of leaving them in a combined account. Called US Bank to ask if these points could be transferred to my existing - still open account. Was told no and that I was advised they would be XXXX out on closing card.
Had conversation on closing card ( XX/XX/XXXX ) on speaker phone with wife listening in. No mention was made of the XXXX points being nulled. I certainly would have transferred them or redeemed them first. As this is worth {$320.00}.
Exhusband was court ordered to pay this debt. I was never notified this debt existed. The collection agency claims they notified and served me but I was not there, did not live there, and did not know this debt turned into a lien on a property I do not own the property and have not since 2013. I called for information and was told he could n't give me any without me first paying the debt in full to remove the lien. He ( XXXX ) is rude and hangs up on me
Hello, I have tried to dispute this debt numerous times with the creditor XXXX XXXX now it 's been sold to XXXX {$190.00}. I do n't know what this charge is for I was told it was equipment and have sent pictures that I returned the equipment to XXXX and XXXX. When I call XXXX to find out about it they have no record of it under my name or ssn to tell me anything and I 'm not paying on something I do n't know what it is or that it 's even my debt. I have spent so much time on the phone trying to locate this said account in my name and ssn. Furthermore, I think I had XXXX at the time and if I did all the equipment and services were paid in full I want this to stop getting reported to my credit once and for all if the creditor ca n't supply any information of what it is and I ca n't call them to dispute this than as far as I 'm concerned it 's not mine and it does not need to keep showing up on my credit report. I dispute with all three credit bureaus it gets removed and then next thing I know it gets added a month or two later again and I just want it wrote off as bad debt and not against my credit. I 'm trying to buy a house and that is one reason I want this removed but I also want it removed because if I ca n't get anything and XXXX ca n't find me with my ssn whether it was charged off or not they should have something I was never sent a final bill for the service I did have so I do n't feel this is mine anyway and each time they pull my credit for my home loan this pulls up and is affecting me so please just remove this once and for all I can just pay it too it 's {$190.00} but that 's not the point it 's the principle that there 's no information on this and I 'm sick of creditors doing this to people and my mortgage broker told me that he has seen this happen to several of his clients too with XXXX and they have ended up paying it but I 'm not going to I want to fight for all the people century link is taking advantage of and hope a class action law suit gets started against them for not sending out bills for these supposed debts. If anything is found I want it sent to my address XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX.
We have sent several certified letters and emails requesting payoff amounts, proof of fees, history of payments and other pertinent information. 

NES acknowledges receipt of requests but will not respond or even provide any useful or relevant information in writing. 

The one form letter/statement NES sent left more questions and problems than answers and it did not respond to any of the concerns we inquired about, like the allegation of there being more than one account.

They have said several times that they can only communicate by telephone and thus provide no written records.
XXXX   XXXX     account that was opened  XXXX  was charged off in  XXXX . Item was paid in full  XXXX   XXXX .   XXXX   and Transunion are both still reporting this account as late for a payment status instead of paid. Also,   XXXX   is incorrectly reporting as " failed to pay '' for  XXXX ,  XXXX  when there is nothing left to pay. This account was paid off 3 months ago for the full balance due.
the latest contact from CRM was by a unidentified male from XXXX and XXXX, a relative answered my phone and was told enough information to file a case has been gathered, I called the number back and informed the male who answered after recognizing the number from previous interaction, that I had been informed by original loan provider that the collection was given to XXXX in whom I currently have payment arrangements with and at no point was a CRM given the collection and no payments made to them had been posted to the original debt and that this was looked into after funds were removed from my account for pizza purchases in there area and court fees in XXXX Virginia, over 3 months ago. He then stated that they would be garnishing my wages and will contact XXXX county soon. I continued to inform him that the collection is now and always has been with XXXX XXXX XXXX and that I am currently paying the debt to them as I did over 3 months ago when my money came up missing. it is an XXXX XXXX pay day loan out of XXXX Texas {$1400.00}
Every few months SunTrust bank, for some reason, reports that my home equity line of credit is closed. Every time this happens, my credit score with XXXX and XXXX XXXX plummet. Then it will be fixed, then it will be OK for a few months, and then SunTrust will spitefully report again that the account is closed. I believe they are doing this because they know I am shopping around for another lender to take over this loan because I am not happy with their customer service. I can not get it through their thick skulls that the account has been reaffirmed after my bankruptcy in XX/XX/2014. Since the account was open in XX/XX/2004. I have never missed a payment. 

Every time SunTrust reports the account is closed hurts my credit score and I wanted to stop once and for all.
contacted transunion credit bureau and spoke to 3 different non English speaking hard to understand employee who refuses to look it to 7 hard inquiries that where not mine. ( 1 ) XXXX XXXX XXXX ( 2 ) XXXX  XXXX  XXXX ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX  XXXX XXXX ( 5 ) XXXX   XXXX ( 6 ) XXXX XXXX XXXX and ( 7 ) XXXX  XXXX XXXX and they refused to remove the hard inquiries and stated it only affects my score a little.
Two phone calls were received on XXXX/XXXX/XXXX at XXXX XXXX ET and XXXX XXXX ET from a Penn credit corp on caller ID. No message was left with any details and when attempting to call back all that was being said in the first call is that this was regarding a personal business matter. The company name was not divulged and nothing other than this call is being recorded were advised. They asked twice to speak with someone else but all they would advise is that this was not a sales call when asked directly. After doing more research online it appears multiple individuals have been scammed by this company for non existent or settled debts. There has been no notifications received by mail and no knowledge of any debts outstanding as all have been paid up to date. This company seems to be taking a large amount of liberty with when they have to divulge who they are as well as dancing the line of legality with their outbound sales calls. When I called back asking to verify if the first number was legitimate using a different number directly from the companies website all they could advise is that they use multiple numbers including local numbers sometimes. They have removed the number from the listing but we have no way to id the debt without giving out personal details and potentially being falsely held liable for an invalid debt. At this point our next step is to contact our lawyer and escalate the matter legally.
XXXX. The bank never sent a PIN to allow me to activate my debit card. After incorrect information from the bank 's XXXX service center and continued failure to send a PIN so we could use the debit card, I 've call a third time and been assured that " it 's in the mail. '' XXXX. We received a paper statement today and a fee for {$3.00}, despite verified account options indicating that we had elected paperless statements. While the agent has processed a refund, she indicated that it was my fault for not opting into paperless statements -- despite my having proof from my phone app that paperless statements were enabled. She also stated that the default option for all customers is paper statements with a fee, unless a customer opts in to a paperless statement. I think this default should be changed.
I am a victim of XXXX XXXX. My Bank Institution, XXXX, was not able to be contacted because they also suffered from the hurricane as well. During the hurricane I was not able to reach my account online or call them to be able to manage my account well. I have tried since they opened back up to fix the problems. I contacted the corporate XXXX number, my local bank office and written an email to my personal banker. They have not reached back out to me to help me with my overdraft fees that accumulated due to the lack of service during the hurricane. I have attached the email I sent to my personal banker as a last attempt to plea for assistance. Please read the email as it explains my situation in further depth.
When the company called me, they wanted to verify who I was. I told them because I have no idea of who they are, I will not give my personal information to anyone. However, please send me a letter and I will respond for sure. The company continued to call me relentlessly about a bill from XXXX XXXX XXXX XXXX, I told them I do not owe anything to this company and have proof that I will be willing to provide if they can send me something in writing. They sent nothing in writing but put that I owe money on all three of my credit reports and backdated the bill to XX/XX/2018, when it was just recently put on to my credit reports in XX/XX/2018.
I completed my IBR paper work over XXXX XXXX XXXX XXXX months ago. XXXX XXXX aka Navient states that they received everything but they are refusing to update my status on IBR. XXXX XXXX is failing its duty to the XXXX and the XXXX as the loan servicer. XXXX XXXX is dragging its feet to push me into default, so that XXXX XXXX can collect 130 % on the loan instead of 100 % of the loan.
Midland Credit Management , Inc. is a debt collection agency that has violated the Fair Debt Collections Act by adding a negative account with the Credit Bureau on my credit, which I have not given permission or signed a contract with, nor do I know who they are and is affecting my credit score, preventing me from moving forward with my life. I have contacted their company and they refuse to help me. I have requested the contract that I allegedly signed with them and they can not provide it ( because there is not XXXX ). I demand that this situation be investigated for fraud and trespassing and have them removed from my credit account with the Credit Bureau.
Hello, I have been with Chase bank for approximately 45 years. Chase bank has charged overdraft fees which the deposits in my account ( ... ... XXXX ) was held/pending. There was a recording that noted deposits may be held 1 business day due to the XXXX Holiday. Upon calling over the weekend, I was told my account will not be charged, this is a recording line. Documentation notes that Chase received {$300.00} ACH deposit on XXXX XXXX, but they noted it on XXXX XXXX, XXXX so I can be charged {$34.00}. It was also done again with {$1400.00} ACH deposit and charged another fee of {$34.00}. Somehow they are finding a way to obtain funds from consumers but credits should be before debits. The ACH department comes in late and leave early.
XXXX/Elan Services/Bank corp or whatever name they are using never once notified me that my credit card in XXXX, XXXX and XXXX had charges from XXXX, Florida on it to see if I made them or someone else was using the card.
I applied for an American Express Business Credit Card and received it. The card had an introductory interest rate of 0 % for over a year. I got the card to purchase equipment I needed for my business to save on the interest the equipment company was charging. Not even a month later from receiving the card I received a text that my payment was past due a couple of days. I had not received my first bill from them or any other notification that the bill was already due on the card I had just received. I believe the first payment was 4 days late. American Express then raised my interest rate to over 20 % on this brand new card that guaranteed a 0 % interest rate. I have contacted them several times to dispute this and they refuse to honor the interested rate stating that because I was a few days late on my first payment that they can forfeit that offer. I never even received a bill or notice. The interest it costing a small fortune I can not afford to pay right now, hence the only reason I got the card in the first place. Please help.
I asked for validation from medical data systems complaint number XXXX they they have not provided it according to the fdcpa and the are reporting incorrect information on my credit report according to the fcra. They stated they do not own the account nor the debt well if you look back at the complaint number listed above you will see if clearly states this communication is from a debt collector so they is giving false information out and they is not compliant with the fdcpa laws. They are a debt collector and i do not have to pay them anything regardless of who they work for and i do not owe them anything and they can not prove that i do. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe them. I am requesting proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
I am asking theyPlease attach copies of : Any agreement with your client that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against them is covered under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as  issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010.I want this inaccurate information deleted off my credit report and i will continue to file a complaint under my voice id heard my the cfpb and ftc.
On XX/XX/XXXX My financial advisor and myself contacted ClearSpring Loan Services concerning account # XXXX. We spoke to a XXXX XXXX at XXXX. XXXX. My financial advisor requested proof of debt, proof that they have the promissory note, date of first delinquency, License number for the State of Florida, and the Bond number in the State of Florida. XXXX XXXX could not provide any information and refused to do so. Instead he referred us to the companies website. Upon this conversation, we requested that they cease all collections attempt and to stop the foreclosure process as they have failed to provide the proper documents to justify their actions. I have repeatedly requested that they provide proof of debt and they have failed to do so. This collection company is attempting to foreclose on my property without providing legal documents. Furthermore, the date of first delinquency is sometime back in XX/XX/XXXX.
They call several times a week asking for XXXX XXXX XXXX and to call XXXX XXXX at XXXX. The call comes in from XXXX. States to press XXXX and disregard if I am not him. That does not work they still call several times a week. Online states it Alliance One collections.