WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by the debt collection agency in regards to the debt I owed on a credit card. I had closed the account with the company because I knew I could n't make payments because I had lost my job. After several phone calls I was forced to block the number they were calling from because they would not cease and desist. It was a few months later when I received a phone call from my brother informing me that they had called his wife 's parents in an attempt to get my information. I explained the situation to my brother and apologized to his wife 's parents. Since that transpired the company has filed in court against me and I 've responded with a request for line item detail of the debt. They sent me a copy of the old credit card bill, that is all. I offered to settle and make payments, but they would not compromise. When I notified the woman on the phone that I would be making a harassment complaint she became angry and hung up the phone. The debt collection firm is Love, Beal, and Nixon out of XXXX ; notorious for trying to get default judgements and using scare tactics on people.
CITI-M/C Double Rewards Account opened : XX/XX/XXXX . We never had a purchase of {$3.00}, & they never showed it as an unpaid balance forward. Since we pay off all purchases listed each month, this had to be their math error or ours. SEE ATTACHED : Our  XX/XX/XXXX summary history review letter. & Their  XX/XX/XXXX  response letter plus copies past 3 moths of statements.
We have spent countless hours & effort through their secure message site & on the phone trying to clarify when, where & how this amount appeared without an honest direct concise response to our question from them. Citi 's customer service representatives rarely include a name on their correspondence, making it difficult for follow-up to whomever responded to our inquiries. { Note : Also missing on their  XX/XX/XXXX  response letter. } We felt the only way to get issue cleared up was to stop using their card for purchases, which we did before  XX/XX/XXXX  cut-off plus being unaware they would be charging interest on same. Interest on interest in   XXXX    was the last straw, prompting closing our account on  XX/XX/XXXX . Their  XX/XX/XXXX  billing just received, failed to mention our {$8.00} balance due us in our Reward Account or even the fact it is a Closing Bill.
I confirmed receipt of my XX/XX/XXXX payment by the servicer on XX/XX/XXXX. The payment was not posted that day. I continued to check their website and noted that they did not post the payment until XX/XX/XXXX. In addition, I received the next monthly payment statement and it listed the effective date of the payment as XX/XX/2016. During this time, I reached out to the servicer ( via their message center on their website ) three times and received no response except an automated acknowledgement that message was received. My last message was titled as a QWR as I believe the effective date of the posting is in error.
In 2008 I received a bill from Capital One, account was opened in XXXX 2008, we contacted them and told them we had no account, did not apply, had not gotten a card, wanted no account, owed them nothing ( no transaction had been made ) and wanted it closed immediately, they said ok, it was closed. unknown by us, there was another account supposedly opened XXXX, ( a month before the other one, is n't that kind of odd? ) we never got a bill, never got a card, never applied for an account, just as we told them about the other one but this is now 7 yrs later and last month we got a bill or {$100.00}, I called and told them I did not have an account, did not want an account, did not make any transactions, do n't have and have NOT HAD a card yet we owed money? This month we got a bill again for {$100.00}, I called again, they will not close the account unless we provide them with all the information needed to open an account, NO WE WILL NOT GIVE THEM SS #, BIRTHDAY, FULL ADDRESS, so they can build an account? They hung up refusing to pull up the account with the account number, last digits and year of birth, so we have never had a card, never bought a thing, and they had negative information on the credit and a bill of {$100.00} that is growing by late fees and interest AND WE ARE NOT THEIR CUSTOMER. WE BOUGHT NOTHING. WE HAD NO IDEA FOR THE LAST 7 YEARS THAT THE ACCOUNT WAS OPEN. I want the negative information removed, not shown as paid but shown as charged without permission, and the account closed. NOW. I am thinking of buying a car and I want this removed, without having to provide them with any of my personal information because I never provided it to them in the first place. The CAP ONE XXXX attachment is the " other '' account that apparently was opened a month after the account in protest, the reporting in erroneous as well, we never had a card or made any transactions as soon as we found out about it, we closed it, we never knew about this one until last month. Why would they open more than one account within a month of each other? We never applied to open an account at all. 
thank you
I reached out to the collection agency ( United Revenue Corp ) in a attempt to VALIDATE tarnishing information thats reflecting on my credit reports. Its my right as a consumer to take this step and theyre simply not willing to cooperate. I would like to see supporting documents that lawfully binds me to these alleged debts. Which is a total of 3 collections reflecting on my credit reports. Thank you!
COLLECTION CONSULTANTS is reporting inaccurate & erroneous information on my credit report. On XXXX XXXX, 2015 I disputed these accounts to all the XXXX major credit bureaus. I requested verification & validation of the debt based on the FDCPA & FCRA. Seeing these accounts had already been paid to the alleged company through my insurance I knew they would be removed immediately. However COLLECTION CONSULTANTS claiming they are accurate. I 've sent COLLECTION CONSULTANTS direct disputes requesting validation of the debt & they have refused to respond to my request. I would like these accounts removed immediately & monetary relief for reporting inaccurate information & not adhering the FDCPA & FCRA. Currently they 're reporting the inaccurate information on both XXXX & XXXX. Since each violation carries {$1000.00} fine, I would like {$4000.00} ( which is only half of what I could legally receive through a court hearing ) & the accounts removed from my reports immediately.
In reference to complaint number XXXX. Company lied in their response about not receiving my Permanent Change of Station ( PCS ) travel orders ; I sent a copy of the travel orders to XXXX when I had to cancel the internet and cable service at my residence in XXXX. So Im submitting a new complaint to expose their lies with a copy of my PCS travel orders attached to this complaint. The early termination fee is not owed and the company fails to acknowledge that the debt is invalid. They refuse to take steps to remove the derogatory remark from my credit report and acknowledge that the debt is invalid. So lets see what ridiculous response XXXX comes up with this time ...
This is my second time addressing this issue. The credit bureaus are reporting inaccurate information about my auto loan on my credit profile. I was never 30 days late, and my car is in my possession not repossessed! XXXX XXXX is reporting inaccurately and the credit bureaus are failing to properly investigate and report accurately. The first time I made a complaint about this issue, it was immediately removed from my credit profile and the account was updated to report positively on my credit report, however they later added this inaccurate reporting back on to my credit profile without ever notifying me! This inaccurate reporting has caused me to lose -166pts on my credit score and this information is totally inaccurate!! I would like this inaccurate reporting to be permanently removed from my profile and not just added back later!! According to the FCRA once information is deleted from your profile, it is not to be added back later!! This violates my rights as a consumer and I would like this fixed immediately!
I 'm attempting to apply for a job that requires a credit check. I receive information that not only am I being sued but the court date is next week XXXX XXXX, 2015. Apparently the lawsuit was sent to an address that I have n't lived in for years. I never received a call or an email from the company about any pending litigation. I guess if the person living at that address not found me to give the information, the court date would have came and went without me even knowing about it.
I traded in my XXXX XXXX  XXXX and got financed for a vehicle ion which the finance amount was {$27000.00} after trade in .... i held on to the vehicle for 40 months with no late payments, i then contacted loan company ( M & T BANK XXXX XXXX XXXX XXXX, DE XXXX ) that due to family issues i can no longer support the payments. they sent a representative to pick up vehicle after i signed off on it, how ever i don't have that copy of paper any longer ... the issue is that they now reported to the credit bureaus that there's a late payment of {$5300.00} which i feel is wrong knowing i surrendered the vehicle and that i was never told of such actions
On XX/XX/2018 Chase Bank indicated i made an inquiry regarding one of their cards which is false. I dont have any Chase accounts nor credit cards. I tried resolving issue over the phone and was unsuccessful.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tn XXXX XXXX XXXX cell XXXX XXXX Fax XXXX XXXX XXXX XXXX I had a real estate loan with GMAC Mortgage Corporation dba XXXX originated in XX/XX/XXXX. It was a home equity loan for a term of ten years with a principal amount of {$50000.00}. I paid off the loan. I entered a contract to sell my home in XX/XX/XXXX and could not close as scheduled onXX/XX/XXXX because the mortgage has not been released.
The XXXX result for the loan shows the loan status is " inactive. '' All requests to identify the proper servicer and seek a release of the mortgage have failed. The responses from 2 servicers identied as potential servicers for this loan are as follows : 1. " Ocwen Ocwen Loan Servicing, LLC ( Ocwen ) has received your recent inquiry regarding a loan ( the Subject Loan ) which may have previously been serviced by GMAC Mortgage, LLC ( GMACM ). As a result of the XX/XX/XXXX Chapter XXXX Residential Capital, LLC bankruptcy ling under case XXXX in the United States Bankruptcy Court for the Southern District of New York, certain assets of GMACM were sold to Ocwen effective XX/XX/XXXX, including servicing rights for certain mortgage loans. We have researched your inquiry and determined that Ocwen did not acquire servicing rights for the Subject Loan as part of the aforementioned sale. Accordingly, we regret to inform you that we are unable to assist with your inquiry. If you believe that Ocwen is the last servicer of record for the Subject Loan, please forward any documentation you may have in support of your request to : Ofce of the Consumer Ombudsman XXXX XXXX XXXX XXXX, FL XXXX Fax ( XXXX ) XXXX Sincerely, Ocwen Loan Servicing, LLC '' 2. " This is not one of our loans. We are not servicing this loan. We only purchased open loans from GMAC in XX/XX/XXXX. Thank you, DC-Lien Releases XXXX XXXX XXXX Document Custody | Servicing XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX  XXXX XXXX | XXXX '' Show Quoted Content The inactive status of the loan, according to XXXX, Ocwen and XXXX, demonstrate the loan was paid off and I am entitled to a release of the mortgage. If it is not released soon, the buyer of my home may cancel the closing and I may suffer a nancial loss. Please help me identify the proper servicer or entity to release the mortgage and help me to secure a release. Please contact me with your response as follows : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX cell XXXX XXXX fax XXXX XXXX XXXX XXXX
1.  XXXX  credit if  XXXX  to old, closed debit card.     Never received to my account. Given the runaround for almost a month now. They are telling me almost every time I speak to " tomorrow '', we do n't know, it " should '' have happened. They have stolen my money and gotten away with it.     Today they refused to open a dispute for this money because they " could n't. '' Item 2. I had a service call LAST MONTH where the work was unsatisfactory and I was scammed. The bank 's alleged protection guarantee is essentially faudulent on everything. They do n't back anything.     3. I was ALSO a victim of identity theft and they sent me a FORM LETTER telling me to open a new account WITH THEM and closed my claim. They did n't take any of it seriously.
My credit score randomly dropped XXXX points after a dispute was resolved in MY favor for a credit account of mine. I called TransUnion to inquire about why my score had dropped so drastically, only to be transferred at least 5 times and have each representative give me their " bogus '' version of what may have happened. FINALLY the last representative informed me that my credit card account ( whose dispute was just resolved ) was now showing up as a REAL ESTATE account instead of a CREDIT/CHARGE account. When I asked if the error could be fixed since was in the underwriting stage of getting a home, they refused and told me to take it up with the creditor. I am extremely upset and still filed the dispute with both TransUnion and the creditor. I did not have this issue on any other credit report and now I am out of my dream house because of this inaccurate info that I STILL have n't heard anything back about. Simple and obvious errors SHOULD NOT take 60-90 days to correct and I am EXTREMELY dissatisfied with the customer service that was provided as the majority of the individuals that I spoke with on the phone lacked both knowledge about the reporting process itself as well as the ability to understand their customer 's concerns.
XX/XX/XXXX o I purchased a used XXXX XXXX XXXX from XXXX XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX ) o I had a trade-in vehicle which was a lease from XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). Vehicle was a XXXX XXXX XXXX o My lease had approximately 5 months remaining and I was already at or over my mileage limit for the full lease agreement. 
o During the course of the negotiation, XXXX XXXX representatives promised to pay-off the remainder of the lease payments, pay any early lease termination fees and pay XXXX XXXX XXXX fees for mileage overages. 
o I agreed to purchase the XXXX XXXX in good faith that this would occur and turned over the leased XXXX to XXXX o XXXX XXXX pilled on a large volume of paperwork which I later discovered had hidden fees which they built into the loan which put the burden of the remaining lease payments into my load. This is not what I had agree to and there was no explanation of the charges. Since I was rushed into signing the deal late into the night, I didnt notice it o I was only provided with one key to my now purchased XXXX XXXX XX/XX/XXXX o I returned to XXXX   XXXX to turn in my spare XXXX   key and handed it to the sales representative on duty. I explained the that the key needed to be handed to the manager and my salesperson, so it could be turned in with the XXXX A few months later, Ive begun receiving collections call from XXXX XXXX  XXXX XXXX, Toyota Financial Services and many other collections agencies for approximately $ 1.1K. They state that I owe money for 3 things : o Missing hubcap for one tire o Missing XXXX key o Mileage overages on the lease Im willing to discuss the cost of the hubcap although I havent seen proof that it was damaged or missing ( despite my requests for documentation ), however, the key was turned into Mossy and the mileage should be paid by XXXX. Ive decline to pay any of those charges Since then Ive been harassed by Toyota Financial and multiple collection agencies. Multiple phones in a day, calls to my personal cell phone, calls to my place of employment, calls to my wife None of these calls have been authorized and I consider them a violation of my FDCPA rights. 
Additionally, Ive received multiple letters which use threatening language towards me if I dont take action to resolve the account. I consider these letters also a violation of my FDCPA rights. They did not contain proper validation disclosures, substantiation of debt or physical evidence to support the debt claims The two debt collectors at fault are : XXXX XXXX XXXX XXXX and Toyota Financial Services
I submitted a request for Income Based Repayment early in XX/XX/XXXX. Navient received the information on XX/XX/XXXX, per a phone call with Navient on XX/XX/XXXX, approx. XXXX XXXX. I received an email from Navient, with an authorized Navient sender, on XX/XX/XXXX, stating that my request had been approved and I would receive information on the amount of my reduced payment. I still have that email in my box. However, in the call on XX/XX/XXXX,  representative stated that there was no record of that email, and stated that my request had not been fully processed, even though they do have all the information they required ( rep stated this as well ).  They had also already started payment, scheduled for XX/XX/XXXX, on XX/XX/XXXX, per representative. They are authorizing payment on active IBR requests 5 days prior to the due date. They are also issuing false emails saying IBR requests have been approved with no record of that statement.
The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus. This complaint is against ( Transunion ) Credit Bureau
I opened XXXX accounts at Citibank ; A CitiGold checking account and a credit card. 
The bank representative ensured me that I would be eligible for a XXXX Advantage mile bonus in opening the CitiGold, provided I made {$1000.00} of purchases and two BillPays in the first three months. I fulfilled these obligations and checked with my local branch whether or not I had met the requirements. 

However, after many months, I had not received the mile bonus in my account. I submitted several complaints regarding the account and the promotional offer and was informed that 'those offers are only available to the individual to whom the offer was addressed. ' I am extremely dissatisfied with the customer service and the lack of transparency regarding this promotion.
XXXX XXXX XXXX called to say if i paid of my debt within a certain time frame that American express would reinstate my credit card and that my credit would show an active account. They took my money and my credit report states my american express account was charged off negatively effecting my credit. They lied from the very XXXX time they called and now when i call they cant access my account and the managers are always on break.
I PURCHASED A {$20000.00} CD ) CERTIFICATE OF DEPOSIT FROM E-TRADE BANK, FOR A PERIOD OF 7 YEARS IN 2000 .THIS CD WAS A AUTOMATIC RENEWAL TYPE. I REQUESTED THAT THE INTEREST THAT IT ACCUMULATED BE SENT TO MY CREDIT UNION, AS IT ACCUMULATED. THIS CD HAS MATURED TWICE. I ATTEMPTED TO CASH IN THE CD AND THE E-TRADE CA N'T LOCATE THE CD AND DELAY IN GIVING ADJUSTMENT INFORMATION
XXXX XXXX XXXX is our homeowners insurance company. Loancare is the company that is servicing our VA loan. Loancare, allegedly, paid our insurance company, by check, dated XX/XX/XXXX. The bill was due on XX/XX/XXXX. The Insurance company has not received the check as of XX/XX/XXXX. Our insurance is being cancelled due to the incompetence of Loancare.
PNC is in violation of CAHBOR and acting as a foreclosure mill. PNC is illegally without cause trying to foreclose on a property without any valid reason. These issues are all being documented. Should PNC continue their illegal activity there will be a wrongful foreclosure lawsuit brought against PNC and we will seek out other potential victims for a possible class action suit for PNC 's illegal and unethical activities. 

At issue are loss mitigation requests that have been submitted to PNC that were improperly denied. The latest review was on XX/XX/18. PNC denied the request but wouldn't even say why they denied the request. It took a written formal demand requiring specific reasons as to denial of loss mitigation options. PNC 's response took an unbelievable 30 days to respond. 

Denying a homeowner a loss mitigation option when CA law requires lenders and servicers operating in the state to help avoid foreclosure without a detailed explanation on that denial upfront is a violation of that very law, CAHBOR. Requiring a formal demand with a detailed explanation and then taking 30 days to respond is criminally negligent. PNC put up these ridiculous obstacles to take away legal time homeowners have during a default process. They ate up time to get closer to foreclosure. 

Adding insult to injury the letter provided as to the reason for denial contains NO VALID reason for denial whatsoever. The two reasons cited in the letter ( attached ) are 1. The signature of the co borrower doesn't match records 2. Co borrower was removed from title.

Number 1 is handled with a simple notarized affidavit and driver 's license that clearly prove the signature belongs to the co borrower. Standard industry practice of lenders and servicers is to ask for this information when there is signature discrepancy. Instead PNC chose to hide such an inconsequential discrepancy for the purposes of illegally denying borrower 's right to avoid foreclosure. 
2. Co borrowers can remove themselves from title if they want. As the letter states it has zero bearing as to whether they are still liable for the debt. The two have nothing to do with eachother and since PNC acknowedges that co borrower is liable for the debt they also acknowledge co borrower was participating in the short sale request. So there is no reason for denial whatsoever. The fact that sentence was added to their letter shows how grossly incompetent PNC actually is.
We paid off a mortgage on XXXX XXXX, 2015 and have been following up with a discharge since. We have not received a discharge nor has the discharge been recorded at the Registry of Deeds. Many calls have been made and every time we call, we are told the lien release is being worked on or that we will get a call from a supervisor-no return calls are received. After a loan is paid in full, the bank is obligated to issue a discharge and state law in Massachusetts requires them to do so within 45 days.
Dear Sir/Mdm : I have paypal accounts and I load money into my accounts. Then for no reason, they shut me down. Uptil today, they hold my funds for more than three months. 
It is also outrageous that they made Paypal Robots keep sending me formatted replies. Your Robots keep saying : " your account is limited indefinitely and an appeal is not possible. " Please note : 1 ) I never submitted a so-called " appeal '' ; 2 ) What I request is no business relationship with Paypal, i.e., I refuse to keep an account with Paypal, no matter it is " limited indefinitely '', limited definitely, or whatever. 

As I stated from the very beginning, I want my accounts closed and my money returned. I contacted them over ten times with no meaningful response ( now it is no response at all )! 

Thank you for your help with this matter. 

Sincerely, XXXX XXXX