WillisBack/dataset-financial-user-claim huggingface dataset:
I sent out a 609 letter to XXXX XXXX XXXX to validate the alleged debt i owe XX/XX/2018 via USPS certified mail they received it on XX/XX/2018 at XXXX they responded back in between XX/XX/2018 to XX/XX/2018 with alleged validated debt information back dated to XX/XX/2018. the information is incorrect and not valid debt due to is not showing sufficient enough information to prove the debt indeed belongs to me. it just shows a bill from the original medical provider that i never rendered services from. please help me correct this and hopes of getting this settled.
I am a service member in the XXXX XXXX on XXXX XXXX and I am writing this letter to explain in detail the history and circumstances leading to the current default on my mortgage. According to the last statement I received from you, I currently owe {$71000.00} and my Escrow Balance is $ -XXXX. 

In XX/XX/XXXX, I had a XXXX XXXX XXXX XXXX from XXXX XXXX to XXXX XXXX, CA which reduced our income by {$1500.00} per month while still under XXXX  XXXX XXXX as our Mortgage lender. In XX/XX/XXXX, my mortgage was transferred XXXX XXXX and by that time, my family was struggling to make mortgage payments. Around the same time, a significant change in property taxes increased the monthly payment by approximately {$300.00} per month. The change was due to registration of STAR program which was not processed properly by the municipality. Ultimately this was corrected but not before adding to the financial burden my family was already experiencing. 
We continued to make partial payments while attempting to keep our default to no less than three months while exhausting most of our savings in the process. In XX/XX/XXXX, we were instructed XXXX to request for loan modification and to stop making payments until that process was finalized. We were then approved for a loan modification about three months later. Our trial payments were for three installments of {$2300.00} due in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX did not accept the final payment because it was not made on time and returned those funds to us. That put us right back to square and owing far more than 180 days in mortgage payments. We have not made a payments since. 

We made four attempts at Loan Modifications in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XXXX XX/XX/XXXX in an effort to bring the account current. All of these were submitted and denied by XXXX 30 days after they were submitted. Each time, XXXX concluded that they were unable to reduce the mortgage amount and that I did not qualify for any of the modification options available. 

I am asking for an opportunity to make things right and restore my mortgage account back to current status and to remove this financial and emotional burden on my family. I am hoping that you can provide some options that will help me accomplish this.
My daughter applied for a car loan at the PNC branch. They gave her a check package to give to the seller. But, my daughter changed her mind about the car and shredded the check and notified the bank. The assistant manager sent an email to the loan dept explaining that my daughter decided not to purchase the vehicle and that she had shredded the check. ( mistake on her part, I admit ) The assistant manager told my daughter that the loan was going to be reverse and that no payments would be drafted out of our account. However, on XX/XX/2018 a debit for {$460.00} was made to our account for the first payment. I called the bank to dispute it and explained that my daughter never got the car. The branch manager remember that my daughter had notify her of that. A few days later, I received a called from the bank to let me know that they were going to credit my account because indeed there was no loan and that they didn't know how it had happened that they booked the loan into the system, even though they didn't receive the title or any signed documentation for the sale of the vehicle. I waited a few days and no credit was received. I contacted the branch to inquire and was told a new and different story. They said they needed to research and see why they booked the loan and that it would take 90 days for them to put a stop payment on the check, and that on the meantime while the 90 days run and they research, we would need to continue making monthly payments. Now, this is absolutely unacceptable. PNC has policies in place that don't make sense. I had an issue a few months ago with an unauthorized debit on my account and even though it was clear that the debit should have never been honored, they did and declined my claim. I had to appeal and take it to higher level and that took nearly 5 to 6 months to resolve and get my credit back. I do not trust this bank. I have opened accounts at another bank to move my account relationship. I hope that you can help us resolve this issue as soon as possible. It is absolutely insane and abusive on their part to ask us to make such a large car loan payment for months, just because they can't figure out what they did wrong. I worked in XXXX for 25 years, including at this XXXX and I have never seen customers issues being handled the way they do it.
I applied and was approved for the American Express Business Gold Rewards Card on XXXX/XXXX/XXXX. The offer at the time of application was XXXX American Express Membership rewards if I spent {$5000.00} within the first 3 months. I used the card to make purchases that met the threshold and was awarded the points on XXXX/XXXX/XXXX. After the points were awarded, I need to make a return of a purchase. American Express then removed the XXXX points from my account on XXXX/XXXX/XXXX. Per the original agreement I still had until XXXX/XXXX/XXXX to meet the minimum spend of {$5000.00} which I did on XXXX/XXXX/XXXX and posted to account prior to XXXX/XXXX/XXXX. I have spoken to customer service several times since meeting the minimum spend, each time with no resolution and only told to wait. I have now waited 2 months without resolution. I have met the terms of the agreement and should be given the XXXX points I earned.
My husband and I have been banking with First National Bank Located in XXXX, Maryland XXXX, for the past three years. Two months ago when logging onto my online portal I was asked to Opt-in to the overdraft program. This is something that was routine with my account from the beginning so I thought it necessary to continue participation. Since joining this " Overdraft protection opt-in '' My husband and I noticed our transactions were not showing, pending and posted in the order in which the bank receives said transactions. After careful review of our Bank statements and {$550.00} in overdraft fees in the last 7 days we made a call to our branch manager " XXXX ''. I, personally called the bank last week at the onset of the first round of charges. {$110.00} on the XXXX of XXXX and {$74.00} on the XXXX of XXXX. These fees were assessed for debits totaling under {$5.00}. at the time a Bank representative " XXXX '' took my call and explained to me that debits where product is received such as food or gas post immediately. She said unfortunately she can not refund any of the fees because the bank needs to stay below 5 % in returns of fees or the " government '' will shut them down. This brings us to today ... Over the weekend my husband and I used our debit card for several very small purchases. Monday morning the account showed a balance of {$11.00} and ZERO overdraft fees. Several of our transactions were in a " pending '' or " posting '' status. By tuesday morning however all the transactions " pending '' had been moved around and a arch debit transaction of {$200.00} was posted FIRST even though the date on the transaction is three days later! On XXXX XXXX, 2017 the bank assessed fees in the amount of {$370.00}!!!!!!!!!!!!!!!!!! This was possible because the transactions were rearranged causing the largest transaction to hit first and in turn make the bank the largest amount of money. Had our account posted in the order in which it came in or appeared in the Portal our total overdraft fee would be {$37.00}. My husband called the bank and spoke to XXXX the Manager who condescendingly told him we need to learn to balance our check book. She also informed him that she deposited {$110.00} into our account on the XX/XX/XXXX to cover the fees when in fact, she WITHDREW the {$110.00} from our account on that date. My husband and I are beside ourselves.. Several items were rearranged including transactions from the same store! Date and time stamps do not lie! Please tell me there is something you can do, or we can do!
I tried to call these three credit reporting agencies for annual credit report and they said they can't recognize me over the phone even after I told them my personal information. They refuse to send me 3 free credit reports to me. Also I tried to get approved for XXXX It secured credit card but they declined my application. I suspect that my parents ; XXXX XXXX XXXX and XXXX XXXX XXXX are using my SSN to open more accounts and they financially abused my settlement money after I turned XXXX. I'm XXXX years old and I try to rebuild my credit using secured credit card but I can't because of fraudulent activities by my own parents. They need to be held accountable for doing that to me. I tried to call these three companies but they won't send me free credit report information because they can't recognize me at all. 
XXXX XXXX XXXX. XXXX  XXXX XXXX. XXXX, GA XXXX. XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, TX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, PA XXXX. XXXX.
XXXX XXXX XXXX Rent Recovery {$3400.00} I notified leasing office of mold infestation was on a month to month lease, got charged for the filing of the eviction even though its marked as a broken lease and got charge two months in advance on a month to month lease. Informed the complex prior to moving that if problem were n't changed I would be moving due to health reasons.
On XXXX, 2016, I obtained a consumer form XXXX which is being serviced by System & Services Technologies Inc ( SST ). I am unable to obtain any monthly statements that will indicate payments made toward this loan. Their website only provides basic info, such as : date & amount of loan and monthly due date for payments. Why is this company obligated to provide regular statements to it 's customers?
Today XXXX/XXXX/2016 at XXXX XXXX XXXX from Ace cash express called my place of work and told my CSR that I needed to come in and pay on my loan I had with them. I got the message and was embarraseed that my personal business was told to my work associate. I thought that the FDCPA protected consumers like myself from issues like this.
For years, Navient ( previously Sallie Mae ) encouraged me to enter forbearance instead of offering alternate payment methods, such as IBR. They have also rejected my application for the public service loan forgiveness program for unclear reasons, despite the fact that I should qualify by virtue of having the correct loan type and working for a nonprofit.
I opened account with Care Credit via Synchrony Bank in XXXX, 2015. 
I have never been late or missed a payment. 
Most months I paid more than the minimum. 
In XXXX, before the due date of the XXXX, I made a {$50.00} payment ( minimum said {$26.00} ). 
Synchrony Bank, however assessed interest on my account on XXXX XXXX, & then reported an over limit on my account on XX/XX/XXXX.THIS IS TOTALLY UNACCEPTABLE. 
I should have been given until the next month to reconcile interest charges assessed after the due date. 
I called few times to speak with rep at Synchrony, however, was simply told that they could add interest anytime they wanted, and then report to credit bureaus anytime. 
The credit bureaus notification against my account is listed as a late or missed payment! 
I have the card statements & letter from Synchrony if needed.
I have a student loan account that was included in my bankruptcy in XX/XX/2016.XXXX XXXX correctly removed reported the account closed and removed the balance from my credit report.Equifax did a so called investigation and improperly listed the amount as owed.They didn't correct or remove the information and dropped my score by 15 points for filing a dispute..their Equifay confirmation number is XXXX.
My loan has many, many mistakes from predatory lending when I did not qualify. I 've been told from many real estate Lawyers to file a complaint. I 'm XXXX and on SSI and been in my condo for 28 years. Also I had a research company run my loan and found over XXXX discrepancies,,, help me please. Wells Fargo say it 's fine.I WANT TO KEEP, MY CONDO, THANKS
On XX/XX/XXXX I had attempted to have a authorized charge of XXXX go through. I was noticed that the charge was denied. I proceeded to log into my account to see what the issue was. I had received no notification on my phone or email. By that, I mean that if there was unusual activity on the card, I would receive a notification. I log into my account and was shocked that my limit was decreased from XXXX to XXXX. I had received no communication of any kind that this would happen. 

I had called my credit card company to found out why my limit was decreased. I was told that due to my other accounts having high limits, that the XXXX report submitted to my credit card company was the reason my credit limit was reduced. I have made 100 % on time payments and explain that I was supposed to be notified weeks in advance, but the representative could not give me a clear answer. I have a store card with my credit card company where my limit went from XXXX to XXXX! For the store card, the only reason I need about it is that I had receive a letter from my credit card company on XX/XX/XXXX, two days after I already knew that my balance was decreased.
As I have tried to purchase the vehicle that I leased, I have been told that I can not receive financing unless I put down approx. {$2000.00}. As seen in the contract attached, I have already put {$2700.00} down on the vehicle which was fraduaently taken off of the vehicles MSRP price when it should have been taken off of the amount I was leasing.     Also, th e " Rent Charge '' on the vehicle is absolutely insane, at it is approx. 91 % of the amount I leased on the vehicle. It should, if not already, be illegal for a leasing company and the car dealership to charge a customer almost the same dollar amount in the " Rent Charge '' i n relation to the Depreciation Costs that are used to lease a vehicle.
I manage all the bills, including accounts belonging to my husband, and they are paid on time if not before the due date with minor exceptions. The mortgage blemish from almost 7 years ago is the only negative on our report and resulted from the downturn in the economy affecting my husband 's employment. I 'm therefore confused why my credit score is always lowered or dramatically affected for foolish reasons. Only varying factor is my gender.
This complaint is frankly for the sexism I 've experienced from credit score companies.
On Friday XX/XX/XXXX, an unknown number ( XXXX ) called my phone and left a voicemail seeking myself. I returned the call and they ( Diversified Consultants ) spoke on a past due bill with a cellphone company, XXXX XXXX. I stated, on a recorded line per the caller, that I do not have a contract with your company and as I have before I will go into one of the cellphone company 's locations and make the payment and representative stated ok that is fine. They ( Diversified Consultants ) have repeatedly called both of my numbers ( the second is XXXX ) as early as XXXX XXXX and as late as XXXX ( XX/XX/XXXX ). Furthermore, I do not believe the company is local to my city/state, therefore they are cloning a prefix ( XXXX area code ) and calling from several numbers ( XXXX, XXXX, XXXX ).
I went to XXXX XXXX XXXX later known as XXXX College in XXXX Texas XXXX learned later on the school closed due to bankruptcy probably due to the lies about the education as well as job placement that never happened as well as no one recognizing their medical billing and coding education classes as well as other classes being taught at this school I was told to call and get a loan from at that time Sallie Mae as well as pay a little over {$2000.00} out of my pocket to the school not knowing I was being ripped off by the time I realized it was too late now I am dealing with school loans I have put in foreberance several times and now consolidated loans paying {$80.00} a month until the amount goes up have tried to be forgiven several times anyway I could see was fit to get this forgiven and the last time I called XX/XX/2018 was told if I pay {$120.00} a month for 20 years will be forgiven but the calculation is closer to XXXX and original loan was around XXXX now with interest its closer to XXXX Navient is crooked and should be out of business as well as the fake schools promising what they will not and dont plan on giving you which is an education that will get you hired because you were taught correctly and is a respectable school that educated you with the knowledge to do the job The education system and loan system is a disgrace and those of use trying to make something of ourselves should not have someone in our pockets taking what little we do earn to pay for lying manipulative Thieves with cost going up and pay not everyone that was given this promise and was not made good on should be forgiven with no repercussions
Stellar Recovery contacted me through a public e-mail address that is not only used by myself. Their company logo is at the top of the e-mail, the e-mail does not state that it is from a debt collector. There is not a confidential information disclosure in the e-mail. The 3rd party followed the instructions and opened the letter that was attached to the e-mail, ( password was in the body of the email for opening ) and they saw that I owed a debt. I never provided Stellar Recovery with my e-mail address or gave them permission to contact me through e-mail. If they were able to find my e-mail address, then they should have been able to find my telephone # or home address. However, i have not been contacted by phone or through regular mail about this debt.
Keep calling saying they are filing a lawsuit against me! Do not know who this is and they refuse to let me know what the debt is or who it is. Calling relatives and won't stop calling!
submitted a mod review package XX/XX/<YYYY> Since then I 've submitted multiple pages of documentation as they have requested without question. Today I reached out to the lender to get clarification on a letter the borrower received requesting documents. I submit documents electronically via email. The lender claims that they do n't have the XXXX but it was submitted with the original package. They are also requesting the homeowners association statement which has also been submitted in XX/XX/XXXX. I have tried to communicate directly with the point of contact who is named XXXX but have never EVER spoken to him. Also tried to request to speak with XXXX 's supervisor and of course there were no supervisors available. The lender has continuously been unorganized. When I called for an update XX/XX/2016 I was told that the review was denied due to the XXXX being incomplete. The rep I spoke to reviewed the XXXX I sent in most recently and confirmed that it was complete and accurate and said she would send an email to reopen the review.
I have submitted numerous disputes with Transunion, XXXX, and XXXX about two of my accounts. The first one is passed statue of limitations here in Florida and I have even tried to work out something with them. I have yet to hear or see it removed after two months. XX/XX/XXXX is when the first dispute was finished. 

The Creditor 's have not responded either. 
Here is the first account. 


XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Usage 96 % Balance {$670.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX   Monthly Payment - Past Due Amount {$670.00} Highest Balance {$600.00} Terms - Responsibility Individual account Your Statement - Comments Profit and loss writeoff Contact Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Payment History On Time120120+ Days Late3030 Days LateFPFailed to Pay6060 Days LateNNegative9090 Days Late The second is my XXXX Account which I have an active one and for some reason they said I got a Card in XXXX that is negative. This is 100 % % % % Not true. I did have one over 10 years ago but when I called and got my new XXXX card they added this from XXXX which I never once opened an account! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
I went to the offices of Foster & Garbus who are debt collectors. When at the offices i signed an agreement to pay off my debt that they represent ( XXXX ). While there I provided documentation for the initial payment thru XXXX XXXX. When it came time for my second payment I was instructed that my settlement agreement was nullified due to non-payment of the first stipulation payment. Upon investigation it was Foster & Garbus who was in error because the funds sent for payment was confirmed by XXXX XXXX that they received the funds and the voiding of my stipulation was in error.
So I purchased a car from XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, FL XXXX, I got fianced by West Lake Financial, I paid my down payment to the dealer which XXXX, first payment was due until XXXX, I was late due to the fact my mom had got sick and I had to travel home for her. I told West Lake that they decided to return the deal to dealership, well it got really heated between me and the dealer but I did make a payment to West Lake to keep the deal and they gladly accepted. I even had to provide my mom medical records just to show them my mom was really XXXX and has been XXXX since XX/XX/XXXX. After that I paid the car up for XXXX months. Well the XXXX month came and all I had to do was pay XXXX dollar difference I told them that I was in New Mexico on a XXXX with the XXXX XXXX And I would take care of the payment when I came back due to the fact I do not travel with my personal banking information on me cause I had my idenitiy stolen and also I had no cell phone signal. I made an arrengement to pay everything when I came back and they said ok that will be fine, while I was gone the following morning the car was gone my wife told me. I called trying to talk to them to see what I could do and no one would give me answers West Lake told me to call the dealer they were very rude to me and my wife. I decided to let my lawyer take care of it and they would not respond to him either. Recently I saw they sold the car. I did not want to talk to them cause of the pass issues, I feel like I am getting scammed they had no problem taking my payments but still returned the deal they could have had they car back if it was going to be like this.
Consumers should be able to freeze their credit for free on XXXX, Experian and XXXX. This is a vital service that should be free and available to everyone who has credit history in the US as these companies can not be trusted to store their data securely and protect their data against security breaches. No American should have to pay in order to help prevent their own identities from being stolen.
I was notified by the IRS that Beneficial Finance submitted a XXXX for the XXXX tax year for non payed debt charged off debt dating back to to XXXX. This resulting in taxes owed to the IRS for earned income from many years ago.
Loan amount was for {$7400.00}. Due date was XX/XX/XXXX. Payment was received on XX/XX/XXXX for {$7400.00}. They are now trying to collect {$73.00}. They are calling the lendee 's work. The company is Boeing Employee 's Credit Union. They were chosen for this car loan by XXXX of XXXX in XXXX Washington
After numerous failed attempts to have Regional Acceptance Corp. To verify this so called debt that I do not owe them. They will not yet send me verification and they are reporting negative accounts on all XXXX of my credit reports.