WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/18, received a collection notice from IC System stating I owe {$720.00} to XXXX XXXX XXXX XXXX, a company I haven't had an account with for two years. I called XXXX and they confirmed that I voluntarily canceled my account and my last statement when I canceled was for - {$0.00}. They confirmed that I do not owe them any debt.
Filed Complaint number : XXXX on XXXX against XXXX mortgage company. Got response via CFPB on XXXX/XXXX/XXXX XXXX PM from mortgage holder XXXX and via my investigate learned mortgage XXXX Estate of XXXX XXXX XXXX was sold to Seterus, Inc., XXXX XXXX XXXX, XXXX XXXX, MI XXXX. 
Nothing I saw from CFPB within their portion of response mentioned any deadline to respond ( can supply response copy if requested ). When I called I was chastised for not seeing that a deadline was given to respond and told complaint was closed and had to file another complaint. I am doing so. 

XXXX XXXX XXXX XXXX was holding the mortgage for XXXX XXXX XXXX XXXX XXXX, Fl XXXX. That unit has been in default of condominium fees for over 3 years. In XXXX XXXX XXXX filed a motion for default against the defendant unit owner. However, the default had not been entered. The condo fees are in arrears for now well over {$6500.00}. XXXX sold the loan to : Seterus , Inc . 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX and now Seterus are protected under safe harbor. The other XXXX retired senior citizen unit owners in XXXX XXXX have no protection or rights and are having to make up the difference for this defaulting mortgage holder every month of every year this goes on. If Seterus forecloses and we can set a viable owner in the unit, this nightmare stops for all unit owners. Again we are asking the Consumer Financial Protection Bureau to assist us in attempting to move Seterus forward with foreclosing on this unit and selling it so that indeed we can start receiving condo fee 's again. Other units have sold for well over the {$66000.00} that we believe is the mortgage amount so there is no excuse for this to continue. Seterus, like XXXX, is dragging its feet on its responsibility for this unit and is causing continuation of unnecessary and undue financial penalty to XXXX other senior citizen unit owners within this XXXX condominium association. This is a horrendous situation where mortgages just keep getting sold off and are protected when the remaining unit owners are not. This should not be allowed to continue. Help us please. 
Respectfully submitted XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX.
Hi, I was a XXXX 's cardholder sinceXX/XX/XXXX..I reached out to the bank concerning the disaster we had Hurricane Erma.I spoke to the bank on XX/XX/XXXX..the reps were giving me a hard time with the issue with me being a disaster victim..I reach out higher to the Corporate level with XXXX and I spoke to XXXX XXXX about the situation and he got sick.I spoke with XXXX XX/XX/XXXX..I was advised that the collection calls would stop being that the account was in the care of Corporate and I told her I didn't have my card it was lost ... XXXX   told me that I would receive a new card since XX/XX/XXXX.I didn't receive a card..I also told her about a check that the bank sent me and I never received the credit balance refund check.I was emailed a affidavit that I signed and send back to XXXX..she stated I need to fax it to the number on the paperwork after she told me to sign it and sent it back to her to forward to the correct department.I was trying to get my account on track with having a new card sent to me.I was told by XXXX that I needed to pay {$54.00} onXX/XX/XXXX I gave her my routing and account number to post the payment to my account..this is the same account I use to make payments with no issues..XXXX  advised me on XX/XX/XXXX that she was working with Citi about my account and this was since XX/XX/XXXX..I told her about charges I didnt authorized on the account and that I didn't have a XXXX 's card..on XX/XX/XXXX my account was closed..I was wondering why she told me about a payment five days before the closing of the account ... after she stopped the collections calls and fees..I started asking for her manager XXXX XXXX..I spoke to her a week ago and was advised that she would contact back early this week about having the XXXX 's account reopened with Citi..I called XXXX today and she was very rude and unprofessional with me ... XXXX stated to me rudely that I should've paid the account I told her I gave my banking info to XXXX to submit the payment and that with XXXX XXXX stopping the collections calls that she should've informed me at earlier time about a payment and about the account being closed onXX/XX/XXXX ... I was dealing with XXXX 's Corparate since XX/XX/XXXX and I didn't get no response from XXXX XXXX ... I hanged up and call her back again because I was expecting a call back from her since the phone got quiet on her end..I never received a call and I call back and no answer XXXX left her a voicemail..XXXX XXXX   demeanor was totally different from our conversation last week Tuesday.I been a cardholder sinceXX/XX/XXXX and I expected that level of XXXX 's to be more professional..I was patient sinceXX/XX/XXXX..the issue should've been resolve with my account still being opened.I emailed XXXX on XX/XX/XXXX concerning me speaking with the collection agency XXXX XXXX concerning the situation and the manager advised me that the calling would stop and that they got the account XX/XX/XXXX and that he will forward it back to XXXX 's XXXX since its dealing with a hardship due to a disaster and they won't call me anymore.Thanks
This is my third time filing a complaint against AD Astra Recovery Services. The last two complaints they state they are not calling and harassing me and that is a lie cause the calls keep on continuing. I have already spoke to a family member who is a paralegal today about their abusive collection tactics and she said they may say they are not the ones calling and making threats doesn't mean they didn't go outside of there company and hire a third party to do their dirty work for them. She states its a scare tactic that most collection agencies use and doesn't keep any records of the calls on their side and most companies that use third parties has been proven guilty of this in the past. The calls are being made from a unavailable number and is a middle eastern man and women calling me, my family and my job and I've demanded them to stop calling my place of employment. They don't keep anything confidential and telling them my financial business to them.
XXXX has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS , INC . Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS , INC . was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
My housing counselor submitted a file on XX/XX/XXXX USBANK we have not heard from the USBANK and its XXXX We received the acknowledgement they recieved the file. We have not heard from them in months. We finally contacted the lender and they staed they sent correspondence out in XXXX that they needed updated documents because some docs had aged. They did not statrt reviewing the file until XXXX which is unacceptable!!! They are not following compliance when a workout package is submitted.
I sent Trans Union a final dispute and verification request after they verified a item on my report. I quoted some a few FCRA laws that support my dispute to no avail. I need assistance on getting the proper results which will in turn not harm my personal image any longer.
I am a victim of Hurricane Irma. I have had 5 addresses in 3 states since XXXX due to Irma. I have been working on looking for transportation, a place to live and reducing my debt. As such, I have had to apply to a few financial institutions to see what my options are. 
**Hence all three credit reporting agencies are stating, 'Too many inquiries in the last 12 months '. That is unavoidable due to Hurricane Irma. Please help me remedy the issue. 
**I have no credit card debt or home loan, yet Experian and XXXX XXXX are reporting 'Proportion of balance to high credit on bank revolving or all revolving accounts ' is high. 
**I do not owe anything on any credit card or revolving accounts yet XXXX XXXX is reporting 'Amount owed on revolving accounts is too high. ' **I have no delinquent accounts, yet all three reporting agencies are showing that I have recent delinquencies. I do n't have any revolving debt. I only have a car payment and I have not been late. 

Hurricane Irma has disrupted my life. I have always had impeccable credit and should not be punished further by credit reporting agencies by trying to recover from a natural disaster.
A verification of debt has not been provided by the company. I have disputed this directly with the credit bureaus as I am not aware of the debt. Additionally, the collection attempts they have been made by this company violate FDCPA they have left messages stating that I will be arrested in connection to the debt these are violations and harassment.Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute. 
In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements, and total outstanding balance you believe I owe.
Equifax has, through gross negligence, leaked the entirely of my credit reporting agency file they maintained ( as indicated by www.equifaxsecurity2017.com when entering my personal identifying information ). 

" According to Equifax, the breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX.  The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. '' [ 1 ] They have failed to apply the most basic security measures to protect this data, based on congressional testimony provided by Equifax 's then-CEO [ 2 ]. 

[ 1 ] https : //www.consumer.ftc.gov/XXXX [ 2 ] XXXX XXXX XXXX
I contacted XXXX out of XXXX because I heard that they helped with loan forgiveness. I was told that they could help me with the entire process but I would have to pay {$290.00} which was charged to my credit card. XXXX # XXXX Transaction id # XXXX this was on the paperwork they emailed to me. I spoke with XXXX people during this time with Integrity ( XXXX and XXXX XXXX XXXX XXXX XXXX 234 Boynton Beach, FL. XXXX XXXX Option ( XXXX ) This entire process started on XXXX/XXXX/15. After much going back and forth and telling me the paperwork was complete, I received my new financial payment plan which was about 6 times more than what I was told. I called and again they said they would fix it but it would take about XXXX to XXXX days. I received a letter in the mail from my university stating I was in default with my loans. When I tried contacting Integrity the number has been disconnected. I talked to my student loan provider and they told me to file a complaint because I paid for services that should have been free to begin with and my loans were not handled completely.
XXXX XXXX calls back to back XXXX XXXX calls back to back XX/XX/XXXX XXXX calls back to back XX/XX/XXXX called reference and told reference that I have an outstanding balance and they were lookin to serve me at my job. 
XX/XX/XXXX XXXX calls back to back When I answered the call XXXX stated I was behind and a previous payment didn't process. He never gave me a mini miranda nor did he verify if he was speaking with me. I then then asked if he knew that it's considered harassment to call my phone back to back. He goes to say, ma'am you owe an amount to XXXX XXXX XXXX if you don't want to be contacted we'll have to send the state to your job. Then he hung up the phone. I called back and he answered and said have two forms of ID when we visit place of employment and hung up.
This collection company recently placed an account on my credit report. I have no knowledge of this account and why it is reporting on my credit. I was not given a disclosure verification of debt and I do not have any knowledge of this debt they are reporting
Speedycash say that I owe them a loan back when I did n't get a loan from them. Now that 's on my credit report saying I owe them {$830.00}. When I do n't owe them nothing. And that 's messing up my credit score so I was trying to get them to remove it off my credit. Thank you!
I had a loan amount approved with Credit Acceptance for a XXXX XXXX which I received from XXXX XXXX XXXX. On XX/XX/2017 I had to purchase a new engine and services for the car of {$4600.00}. Apparently the cars engine block was broken and desperately needed to be replaced. I had tried for months to resolve this issue but had no success. I had repeatedly called XXXX XXXX XXXX and Credit Acceptance to ask for help but received none. I also ended up paying out of pocket for a rental car for weeks and was never reimbursed for it. I was under the impression that the payment for the engine block would go towards my monthly payment for the car.
obtained loan XX/XX/XXXX interest rate was very high and i lost my job, it was outsourced to XXXX in XX/XX/XXXX i struggled to pay payments, XXXX XXXX would n't work with me to lower any payments or interest, i paid {$280.00} per month until XX/XX/XXXX totaling around {$13000.00} and the original amount purchase price was only {$11000.00}. they are showing i owe an amount of over {$9000.00}. this is making it impossible for me to obtain a vehicle loan. i have talked to the company several times. they are saying i paid nothing on my credit report. thank you
black night foreclosing run of the mill operation, with publishing and posting fraudsters, forging my name, securitizing before closing deal not even owner, clouded title, fraud lien instrument, FDCPA Violation of Taxes, Stealing SSI and Cusip money, XXXX Accepted under duress as beneficiary with non-disclosure and another time as trustee, cancellation of note securitization, all fraud trying to settle the accounts and can not and attempting through XXXX XXXX XXXX, and Quality Loan Service to foreclose on the debt the bank owns and needs to go to jail all of you see links.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Now we see the news and this site XXXX XXXX XXXX
I went through the student loan rehabilitation program. After my 9 months of payment and my loan being sold, the agreement was that the derogatory marks regarding the student loan would be removed ... in fact the contract explained that the original credit line would be removed entirely. I submitted online dispute with TransUnion ( X/XX/17 ) and the results came back of which did not include deletion of the credit line. Please review the last line of the document submitted.
Yesterday i received an email from XXXX XXXX stating that there was a major change to my credit report. I looked into this, and there was an inquiry from something i have never even heard of. Barclay Bank had issued a inquiry to my account without my consent. I tried calling Barclay Bank, and they were very unhelpful. They told me i had to call XXXX  to dispute the issue. Okay, so I tried calling XXXX. XXXX told me i had to get Barclay to send me a letter of deletion so that i could then forward it to XXXX, JUST so they can remove the inquiry from my credit report.I tried calling Barclay back and they told me they couldn't send me the letter until it was disputed These are alot of hoops to jump through for someone who didn't ask for this credit inquiry, and neither company is helping me out. Each one is just essentially telling me to go to the other to make progress so there for there is nothing i can do. I did not apply for a loan or a new credit card through Barclay Bank and to my best knowledge, it is actually illegal for them to pull my credit report without my consent.
I have been talking to this company for two years telling them thet it is not my debt they have even admitted on the phone it is not my debt but i still had to pay it. And after doing further research on this debt i have found this company to be violating the fair debt colection practice and XXXX stateLaw ors XXXX which states that a collection agency after 6 years can not take a person to court a file any. Our file any court case. And since acording to them this is a card from XXXX. This company has also file false court document to XXXX county statting that a garshment placed on my checking account did not produce money that is a lie my bank sent them a check for XXXX. Also even thought they have know that i live in the state of XXXX for the last XXXX years they still file all documents in XXXX county in XXXX and on most paper work they try and put XXXX XXXX instead of XXXX.
Calling me monthly asking when I will make a payment. Have not been late on a payment in over 3 years. They have no reason to call me. Have ask numerous times not to call me.
I am in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all   XXXX   bureaus ) shows a CAVALRY PORTFOLIO SERVICE account. I never had a cavalry account. there is a memo that states it  may be a   XXXX   XXXX   a ccount which was included in my bankruptcy.  Calvary is rep orting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has cru shed my credit score and needs to removed ASAP. This is double hitting my credit score  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  Calvalry  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.
I am not aware of this debt. I have no knowledg of this debt. I called and I was told that the date listed is incorrect. The original account is dated XX/XX/XXXX. That is the correct date and that means this debt should not be on my credit report as of the end of this month ( XX/XX/XXXX ) Not only is the debt false but the Date is incorrect.
On XX/XX/2018 at XXXX, XXXX XXXX from XXXX XXXX called from phone # XXXX and called my cell phone at XXXX and my other cell phone at XXXX. XXXX left a voicemail on my XXXX number at XXXX. He was calling in regards to an overdrawn account. Federal law prohibits such calls before XXXX. XXXX XXXX ( located in West Virginia ) and my residence ( located in Ohio ) are in the eastern time  zone. I can provide proof of call logs and voicemails upon request. I am sure XXXX XXXX keeps and records calls as well. 

Below are the guidelines businesses must follow per the FCRA. 

Prohibited Collection Practices Call you before XXXX XXXX or after XXXX XXXX, based on your time zone Call you at work, provided the debt collector is aware your employer doesnt approve of these phone calls Harass, oppress, or abuse you Lie to you or falsely imply that you have committed a crime Use unfair practices in an attempt to collect a debt Conceal his or her identity on the phone Disregard a written request from you to cease further contact
On the XXXX of XXXX I called Chase to set up my account so that I could make payments. On the XXXX I discovered that all of the payments that I was making had been declined. when I called Chase the customer service person told me that the person who took my account number entered it in wrong and had one number missing. That day I continued to make payments as I swiped my card. When I was leaving for my flight to XXXX VA on XX/XX/XXXX, I discovered that my card was declined. When I called Chase they told me that they had closed my account due to payments being declined. Since then I Went back and forth with many customer service agents who were very rude. They would not answer my questions when I asked them why I was being punished for their error. I would almost understand why they closed my account if I had a payment, but at the time when they closed my account, I did not even have a minimum balance due. Each and every customer service agent was very rude to me. Sometimes telling me that I had to wait 3 days to talk to a supervisor and sometimes they would transfer me over. No one that I spoke with over the phone was able to give me an exact reason as to why my account was closed when it was their admitted error AND I have not received any notification that my account was closed or that my payments were invalid because they entered it in wrong. This is a horrible company.
I got a loan from Countryplace Mortgage. It was a construction loan to permanent loan. After the loan was converted to the permanent loan, i was due several credits. One for the adjustment of the price of my mobile home, and a credit for the improvements.
I ca n't get Country place to credit my account. I have emails from Countryplace employees confirming this, but no credits.
XXXX XXXX is reporting a loan that I paid off as being delinquent. I paid the loan off in full in XXXX. It is still reporting negatively on my credit. I called XXXX XXXX and confirmed that I did not have any outstanding loan balances with them.
XXXX 's client XXXX XXXX is an identity theft victim ; his information was used to apply for an account with XXXX/WalMart  without his consent. The account was established and a balance of {$630.00} was incurred and then reported to each of the credit bureaus. A dispute of this account was sent to XXXX/WalMart and a response concerning the receipt of that dispute was sent however we have now reached the 45 business day threshold outlined in the FCRA for the re-investigation to be completed however XXXX XXXX has not been contacted concerning the results of this dispute.
Frauding scams using XXXX Indiana serial Numbers of my great great grandma and grandfather fraud as business permits and ids scams and parks and school 's and building signage as court business permits and lawyer 's scams and doctor 's scams and others internet scams
I had a loan modification from Bank of America loan on XXXX/XXXX/2010 currently owned XXXX. I never received XXXX HAMP Modification - Borrower Incentive XXXX as on the site XXXX XXXX ) '' If the borrower 's monthly payment ( principal, interest, taxes, and all related property insurance and homeowners ' or condo association fees, but excluding mortgage insurance ) is reduced by 6 % or more, the borrower will earn an annual " pay for performance '' principal balance reduction payment for up to five years equal to the lesser of the following : {$1000.00} XXXX {$83.00} per month ), orone-half of the reduction in the borrower 's annualized monthly payment for each month a timely payment is made. 
I would like the {$83.00} per month borrower incentive applied to the principal of my loan for 5 years then on the XXXX anniversary I would like the {$5000.00} applied to the principal.
My information was divulged ( SSN, addresses, credit details ) in the Equifax hack.