WillisBack/dataset-financial-user-claim huggingface dataset:
Every time I pay it seems like the total amount due goes way up. I have asked multiple times to lower the monthly payment. They tell me and then force me to do a forbearance and then when it 's over their like it will then be lowered. When it is time to pay and the forbearance is over, the monthly payment due is doubled. I have XXXX children and a XXXX that I take care of and it seems like I am struggling as it is let alone paying a ridiculously high payment that just keeps going up.
DYCK ONEAL INC a debt collector has opened a fake account in my name and. posted late payment to my credit report I have not agreed to any payment plane with this company nor have I had any contact with them.
I have contacted Transition and XXXX. I asked them repeatedly to validate the debt by providing the third party who supplied the information concerning my state tax lien. I ask that they verify with the courts my name, address, date of birth, social security number, status, date of last activity, and the amount. I am confident that their entity did not investigate the matter with any court because I have visited the courts in my county and not one has any evidence anyone has appeared in person and requested my information. Each instance they responded by stating the debt is valid. I requested that they provide me with proof of their validation and they have refused. They are harming my way of life by negatively impacting my consumer report. I can not close on my house because of the information they keep reporting. I supplied information as they requested. However, they refuse to supply information I am requesting.
On XX/XX/2017 I purchased a home near XXXX XXXX, XX/XX/XXXX. Standard Mortgage Corporation required that we escrow both taxes and insurance. At closing we prepaid a year 's insurance premiums ( {$1100.00} for homeowners insurance, plus {$1400.00} for flood insurance ). 

Now XXXX XXXX says they have not received any payments from Standard Mortgage and if they are not soon paid I will have to pay the premiums all over again, this time directly to XXXX XXXX. 

I have sent an email to Standard Mortgage and talked to XXXX XXXX in Customer Service when she called me today. She is not sure whether the problem is with Standard Mortgage or with the Title Company that did the Closing. I know that, per the Closing Documents, I paid the funds to Standard Mortgage, and therefore that is who should make the payments. XXXX XXXX has the correct address for Standard Mortgage 's Escrow Department in XXXX XXXX, XX/XX/XXXX
Good Afternoon, I was previously a client of  XXXX   XXXX   XXXX . They had provided me with exceptional service and had great products. I was charged a ridiculous amount of money   ( {$2200.00} ) in long distance calls, I never made. I attempted on numerous occasions to have them review this, I asked them if a copy of my passport of proof of residence was needed to clarify this matter. They advised I would receive a letter in the mail explaining my options and thanked me for been a loyal client.
Later I received several calls from DIVERSIFIED CONSULTANTS INC  , a collections company. They made numerous calls at all hours and many more after I advised them to please not contact me during working hours. They advised this would ruin my credit, specially after I mentioned I was in the process of buying a home. I asked them to please help me cure the issue, since  XXXX   XXXX   XXXX  never helped me, clear a debt, for calls I never made out of the  U.S. DIVERSIFIED CONSULTANTS INC  advised they would help me, but I had to pay {$1200.00} and they would clear this issue. This was not fair, but I needed to make any and all attempts at saving my credit history. I made the payment against my own will, and they advised it would not be reported, nor will it affect my credit history. I complied with their unfair and devious collections tactics, in an attempt to save my credit.     I ask you please help me remove this account from DIVERSIFIED CONSULTANTS  INC  /  XXXX   XXXX   XXXX  ( Act #  XXXX  - Agency Ref #  XXXX  ) from my credit reports.     I thank you in advance for your consideration and help resolving this damaging and unfair act from  XXXX   XXXX   XXXX  and  Diversified Consultants Inc  XXXX .
On XXXX XXXX, 2016 I filed a Chapter XXXX Bankruptcy and the Servicer Caliber home Loans was obligated to post approximately {$5500.00} in the suspense/unapplied payments account to my post petition regular payments, plus another {$4500.00} approximately that I sent them during 2016 and they failed to do so. I need them to immediately send me an updated balance and payment sheet as soon as possible with all of this payments posted correctly.
Dear Sir/Madam, After reviewing this document XXXX and being a victim of Identity Theft myself, I thought I would take some of the proactive steps to research and resolve the situation. 

I am writing today to ask Scottrade Bank provide me with access to my account so I can review the alleged debts and balances. Furthermore, I would like Scottrade to confirm what amount if any debt they allege to own. 

Scottrade previously claimed that I owe them money, but will not let me access to account to see the specific details.
THE THREE CREDIT BUREAU ADVISED ME TO GET A POLICE REPORT DO TO FRAUDULENT INFORMATION ON MY CREDIT FILES, I DID THAT AND SENT IT OVER THE EACH COMPANY XXXX FRAUDULENT ACCOUNTS ( 2 XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX )
I am writing to have a debt removed from my credit report as I believe the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts has been violated. I have emailed, called and wrote numerous letters without response or verification of this debt. Please remove this debt. 

The violations I have against Portfolio are as follows : 1 ) PRA did not validate before reporting to the credit bureaus, even though I have proof of receipt of a timely dispute, which I mailed within the 30-days as allowed by the FDCPA. Per federal law, a collection agency is not allowed to continue collection activity if a consumer disputes the account within 30 days. Collection activity includes reporting to the credit bureaus, as per the FTC opinion letter XXXX from XXXX. This violation falls under [ XXXX XXXX XXXX ] XXXX. 

2 ) PRA has failed to mark my Equifax credit report as disputed. This violation falls under [ XXXX XXXX XXXX ] XXXX XXXX XXXX ). 

3 ) PRA is misrepresenting the amount owed, and/or adding fees/interest outside the original contract. The debt validation that you have provided to carries an amount that is substantially higher than the amount that PRA is reporting. This violation falls under [ XXXX XXXX XXXX ] XXXX XXXX XXXX ). 

It is also my understanding that the CFPB is taking action against this firm for deceptive tactics to collect bad debts via the website listed : http : //www.consumerfinance.govXXXX I continue to get no response from this company please help. 
XXXX XXXX XXXX/XXXX/XX/XX/XXXX
I am a US Bank XXXX XXXX Visa member. I pay an annual fee They advertise a benefit on hotel stays when booking with their hotel rewards program and for being their Credit card customer. They changed the terms and will no longer offer the benefit of XXXX night free on hotel redemptionshttp XXXX
My student loan was originally with Access and ACS purchased this and while I was under deferment. ACS reported me 60 days late on XXXX different occasions. Once XXXX and again XXXX and XXXX late remarks are erroneous and inaccurate
I browsed online to XXXX XXXX XXXX, following an advert online XXXX XXXX ] and was unable to file an application for a credit card notwithstanding receiving advertisements for application where my email address is being blocked for some reason. 

The web-based email address is XXXX hosted by XXXX XXXX a US-based technology company quoted on the XXXX XXXX so providers need to sort out these market-based oligopolist issues between them. 

Misleading advertising is in breach of law when liaising with customers within the XXXX XXXX and we trust you work towards better standards eventually.
I had a judgement against me in XX/XX/XXXX from a auto loan. They repo 'd the car and still want paid the entire price of the loan and int. They also did not bother to show to court for the judgement, but the judge apparently stood in for them. As of Wednesday XX/XX/XXXX my checking and savings accts were froze. The funds of {$3100.00} that were in my savings, were part of a federal student loan refund that I have proof of day of deposit and a financial aid statement. The bank refuses to lift the freeze. Please point me in the right direction please. I am attending school and working part time and losing those funds would and are causing financial distress. Thank you
At XXXX this morning I received two text messages " Thank you for being a Caliber Home Loans, Inc. customer. As you requested, the cell number on your account has been updated. '' " Thank you for being a Caliber Home Loans, Inc. customer. As you requested, you have been unsubscribed for eStatements. '' I called Caliber - and after explaining my concerns, twice, my call was redirected to the XXXX XXXX XXXX. The dealership stated no relation to Caliber. I called Caliber back a third time and they did not answer their line and disconnected the call. I called my spouse, filed a police report, emailed a letter from the Identity Theft program. Attempted calling several numbers listed on their website with no connection to any information or individuals possible.
I was helping a friend who had lost his debit card, by cashing a {$200.00} check he wrote me so I could give it back to him. I deposited the check into my account because my friend told me it should be available the same day, but it was not, so he then wrote me another {$200.00} check and I cashed it inside a TCF Bank. A few days later, my account is now negative by {$230.00}. On XX/XX/XXXX, {$200.00} was deposited to another account. On XX/XX/XXXX, I received a {$20.00} deposit fee. On XX/XX/XXXX, {$200.00} was deposited to another account. OnXX/XX/XXXX, I received a {$20.00} deposit fee. I did not deposit any money and I am yet to be told how my account being negative makes sense. I called my bank and the lady who was assisting me told me multiple times ( after being asked multiple times ) that the only way to fix my account is by depositing {$230.00}. When I created my account I said I did not want my account to be able to go negative so I do n't see how this is so. I was told that the money was sent back to the check-owners account because he did not have sufficient funds, so I do not see how this is so. And if neither of our accounts had the funds to cover a {$200.00} check, then why TCF Bank allowed me to cash it, I would like to know.
We applied for a mortgage with the XXXX Branch of Chase Bank in XXXX for the purchase of a property on XXXX, a cooperative building. We were issued a good faith estimate on XXXX XXXX and a lock-in agreement. We were issued a mortgage commitment letter on XXXX XXXX ( attachment XXXX ). At this point, we withdrew our application with a competing lender because we thought the commitment Chase was binding. The Chase commitment letter had conditions -- requests for more documentation. We responded to the conditions ( see attachments XXXX ) and received assurances from the mortgage banker that we had met the conditions. Despite making every effort to satisfy the conditions of the letter -- and satisfying those conditions as far we can tell -- Chase reneged on its mortgage commitment on XXXX XXXX, five days prior to the scheduled closing ( XXXX XXXX ). Nor has Chase has responded for our repeated request for an explanation in writing for its decision ( attachments XXXX, XXXX )
Re : XXXX XXXX XXXX XXXX XXXX ; {$190.00} Balance This account in collections with TSC Accounts Receivable is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and TSC Accounts Receivable have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in 2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX  XXXX XXXX XXXX to collect.
OnXX/XX/XXXX I called Santander Consumer about my XXXX payment. I stated that I was not going to be able to pay the full amount and the customer service rep informed me that she could offer me an " extension '' on my loan that would put XXXX and XXXX 's payment on the back of my loan. I agreed and the customer service rep informed me it would take up to 10 days for Santander to process the extension on my loan. I called back and asked about the paperwork they were supposed to send me she stated that I would get an email and when I received the email to electronically sign the docs and my next payment would be on XX/XX/XXXX. I did n't receive the email until XX/XX/XXXX. I did everything they asked of me and thought everything was fine. I have my account to be set up with recurring debits so Santander actually still got a payment for XXXX in the amount of {$300.00}. Then in early XXXX I get a notification that I am 30 days late in XXXX. How can I be late in XXXX if my XXXX and XXXX payment was " extended '' and put on the back of my loan?? I called Santander and they stated that the paperwork was not finished processing until XX/XX/XXXXso that 's why its a late on my credit. Santander waited until my account was 30 days late then they processed the paperwork. That is fraud because they purposely waited until my account was past due then processed the paperwork. I called Santander to resolve this problem but they will not correct it. How can Santander say I was late for for a month that they put on the back of my loan. I have never been late or missed a payment since XXXX of XX/XX/XXXXwhen I got this loan and I have my account set up for recurring payments so this wont happen.
We canceled the time share within the allotted time based on our contract. XXXX XXXX and XXXX both stopped reporting the XXXX tradeline ( after several rounds of credit bureau disputing ) however, Experian is still reporting it. Additionally, Experian is reporting the debt as currently past due with brand new lates each and every month. The true date of last activity was back in XX/XX/XXXX. This is causing us to not be able to close escrow on our home. We just extended escrow 30 days but, must have the incorrect current lates removed and the account removed all together from our credit reports by XX/XX/XXXX.
On first contact, I informed representative I could not have these calls at work. He continues to call on a regular basis.
Back in XXXX, when I was still in college, a letter was sent to my mother 's home address stating a company named XXXX XXXX had been had been awarded a civil suit against me in XXXX County Court, Indiana, on the grounds that I did not appear. I was never informed of any court date, was not living in XXXX County, Indiana, and to this date have no idea who XXXX is, or why they think it is I owe them money. As such, I have not paid them. In this foul year of our XXXX XXXX, thirteen years later, I am now being harassed by Machol & Johannes, a law firm known for their unscrupulous behavior and slimy tactics. They have been doing so for a year now, and continue to send me letters inferring that they are filing a civil suit against me in my local county for a time-barred debt. They 've even gone so far as to provide fake XXXX County case numbers that do not exist in the XXXX XXXX XXXX records search. This is clearly against my rights under the FDCPA. Judging by the numerous complaints about this so-called legal firm, this is n't the first time they have done this. By providing fake civil suit numbers and feigning threat of a lawsuit, Machol & Johannes is bullying it 's victims by preimptively awarding itself " judgement '' ( they use that word frequently ) a priori. They falsely represent themselves as an authority of the court by invoking the County 's name throughout their letters.
Hello- I am complaining about Pacific Union Financial not removing the XXXX   30 day late from my credit reports. Pacific Unions practice is to report late only if delinquency runs in to the following month. I had some financial difficulties starting from XX/XX/2018. However, prior to this year, I have not had a late mortgage payment. I submitted my XXXX payment on XX/XX/XXXX during the day through electronic payment postdated XX/XX/XXXX. However, by error the bank that I submitted the payment through XXXX XXXX, mailed a check vs. instantly initiating the ach payment. This error caused my XXXX mortgage to be late. I obtained a letter from XXXX XXXX on their letter head accepting responsibility. Yet, Pacific Union Financial ( the mortgage company ), wont reverse the late payment status. Yes, I pay my mortgage on the end of month, but I always do. And, again, their practice is to report only if delinquency crosses in to the next month. Please help. This is not right of them to choose not to remove the late notice for XXXX just because they have the power. Pac Union asked me to get a letter from XXXX XXXX taking accountability and I did provide it. I also submitted to the three-major credit bureaus myself. 
Thank you, XXXX XXXX
THIS IS NOT A DUPLICATE DISPUTE, THIS IS A REQUEST FOR VALIDATION XXXX2018 XXXX XXXX XXXX XXXX XXXX XXXX   CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX   Re : Acct # XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This is the second letter I'm sending you regarding a negative inaccurate account or accounts on my credit reports, which you claim I owe {$1800.00} AND {$15000.00} RESPECTIVELY, to your company. This is a formal notice that your erroneous claimS ARE now disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay YOU, XXXX XXXX XXXX, NOT SIGNATURES FROM XXXX XXXX XXXX XXXX XXXX  OR XXXX XXXX XXXX XXXX. I am asking for proof of the original contract between myself and the original creditor with my true signature on it and the signature of a qualified employee of that original creditor. I want proof YOU have the full accounting of the original debt and I am asking YOU to provide proof of the assignment or the purchase you made from the original creditor. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof.

Please also be aware that any negative mark found on my credit reports including ( XXXX XXXX XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX
Seterus XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX CA XXXX The short sale was started XXXX/XXXX/2016. An authorization and short sale package was submitted to Seterus. Seterus has been rejecting our authorization and would not explain to us the problem. I called in again today on a conference call with the homeowner, and found out that Seterus added an attorney as authorized third party. The homeowner then requested that the attorney be removed as an authorized third party, as he was no longer working with them. The rep we spoke to, XXXX stated that the homeowner does not have the authority to remove the attorney as an authorized third party. She stated that the attorney is the only one that can remove themselves as an authorized third party. 

At this point it is important to note that the attorney was not authorized on the account as part of a bankruptcy or any legal action of any kind. 

So, basically, the Seterus rep, XXXX, stated that the homeowner does not have the legal authority and ability to remove the attorney as an authorized third party from their own account. 

... .. SERIOUSLY? 

... .... WHEN DID THE HOMEOWNER LOSE RIGHTS ON THEIR OWN ACCOUNT? 

Seterus will add ANY attorney to ANY of their clients ' accounts as an authorized third party and further damage their own client by giving that attorney COMPLETE AUTHORITY on the account. Seterus is giving an attorney the power to supersede ANYTHING the homeowner says, and the attorney can basically do whatever they want with the homeowners financial and mortgage obligations and the HOMEOWNER has NO SAY WHATSOEVER ON HIS OWN ACCOUNT. 

HOW CAN THAT POSSIBLY BE LEGAL?
On XX/XX/XXXX, I made a purchase at XXXX XXXX ( XXXX XXXX   XXXX, XXXX, NY, XXXX ). Just before I made the purchase the Cashier ( XXXX, XXXX, XXXX : XXXX ) asked me did I want an XXXX XXXX XXXXXXXX. I asked was this a discount card and she said it was. She began preparing the application. I answered various questions on the computer screen. When she asked for my Social Security # ( SSI # ) I became suspicious because whenever I acquired discount cards in the past I never gave my SSI #. I asked the cashier why she wanted my SS # for a discount card and this is when I discovered that she applied me for a credit card. I told her I did not want a credit card and asked her why did she tell me it was a discount card. I demanded that she cancel this application, because she misrepresented what she was applying me for. A phone call was made, I spoke to a representative at the XXXX XXXX Credit Card Department and they assured me that the application was cancelled. I also asked would they report this to the credit bureaus and she assured me that they would not because the application was not completed. A few days later, on XX/XX/XXXX, I received a credit report alert from XXXX and XXXX, indicating that XXXX XXXX had placed damaging remarks on my credit report. XXXX XXXX had reported to these Unions that I had opened and closed a credit card account, which brought my credit score down 32 points. I made  several calls to XXXX XXXX and the credit bureaus without any success.