WillisBack/dataset-financial-user-claim huggingface dataset:
I have been going back and forth with Portfolio Recovery Associates about them trying to collect a debt against me, not owed, and failing to validate a debt. On XX/XX/XXXX, they sent a fraudulent document claiming the document came from the alleged creditor. This letter was never sent to me by alleged creditor because there was no account with them, so it could not have been sent. Additionally, PRA has been requested on 4 different occasions, to provide anything with my signatures, any transactions history, and any contracts I have ever had with your client. I also advised them that PRA LLC is a 3rd party, so you have no rights to collect anything from the alleged debtor since your company is not on any contracts ( The contracts in which you have failed to provide, in the first place ). I have no contract with you or with this alleged creditor. According to 73 Am Jur, 2d, Section 90-93, YOU HAVE NO RIGHT TO SUBROGATE YOUR COMPANY INTO ANY CONTRACT, WHETHER IT IS BY PURCHASE, ASSIGNMENT, TRANSFER OR TRADE. IF YOU BOUGHT THIS ALLEGED DEBT ( THAT YOU CLEARLY CAN NOT VALIDATE BELONGS TO ME ), THEN YOU DID SO ON YOUR OWN BEHALF, NOT AT THE REQUEST OF ANY ALLEGED DEBTOR, AND THEREFORE ARE A STRANGER TO THE TRANSACTION. Your company can not act as a substitute for the original alleged creditor.
I have consistently reported fraud on my credit regarding several accounts. After countless times, XXXX deleted the numerous accounts due fraudulent/inaccurate information. I called both XXXX  and XXXX  and explained XXXX removed the accounts and I needed to get the steps to remove it on the reports as well. They explained they investigated the same information and it was reported accurately. At this time I need the accounts removed because it has tarnished my credit for years. I have proof of XXXX removing the accounts and asked XXXX and XXXX  if I could send it in. However the request was turned down. Can you please investigate this so I can get my credit in order? Thank you
I have paid the supposed amount that central credit services claims to be attempting to collect. I have contacted XXXX to make sure that I did in fact settle all my debts to them prior to my moving from Idaho to our new duty station. Central Credit Services has now put a debt collection on my XXXX credit report. I have not ever not paid any of my bills and do not appreciate a company attempting to collect money that I have never owed.
XXXX at Navient told that it will cost XXXX dollars to process my FORBEARANCE PAYMENT on XXXX XXXX, 2015. However, XXXX and her supervisor at Navient said they refused to give me a forbearance despite me being in-school and Navient taking XXXX dollars out of bank account. Navient is trying to ruin my credit and they must be stopped!
My account was transferred from XXXX to Messerli & Kramer collections. They are authorized to a soft inquiry of my credit report, however they did a hard inquiry which is affecting my credit history. 

I have contacted experian and they said they were unable to assist me, so i contacted Messerli & Kramer and they said it should be a soft inquiry and they can not control how experian reports it.
Concord Servicing Corp, XXXX XXXX XXXX, XXXX, AZ XXXX, services accounts on behalf of XXXX by XXXX XXXX. Our vacation ownership interval contract requires a Refurbishing Fee, due every five years. Our contract was signed XX/XX/XXXX. We do not dispute we owe the fee of {$7100.00} for a full five years. We do dispute that Concord/XXXX XXXX is billing us for the fee 4.5 months in advance of the 5 year anniversary date of our contract, which is XX/XX/XXXX. 

The contract specifically states ( SIXTH recital, item 2.1 ) that the Refurbishing Fee " ... shall be paid 1 ( once ) every 5 ( five ) years during the term of this Agreement. '' The contract does not specify the Refurbishing Fee is collected on XX/XX/XXXX at the beginning of the fifth year, regardless of the date the contract is signed. If we pay the full amount on XX/XX/XXXX for this first " partial '' five year cycle, we are overpaying by ~ {$530.00}. ( For consumers with a contract date later in XXXX, the amount would be significantly more. ) However, if the amount is properly pro-rated on XX/XX/XXXX for this first five year cycle, we agree in the future we would owe the full amount every five years on XX/XX/XXXX, as it would cover a full 5 years of ownership. 

We contacted Concord directly, who referred us to their customer, XXXX XXXX regarding any billing errors. We were told by XXXX XXXX that " all Refurbishing Fees are due at the beginning of the calendar year '' and that they would not pro-rate the fee for the partial year. When I pointed out that the contract did not allow them to bill early, we were told that was the way all contracts were managed and if we failed to pay the amount in full as billed, our contract would be placed in default. This would not only prevent us from using the property, but also puts the amount we paid for the property ( over {$120000.00} ) at risk. At no time was anyone impolite ; they were simply firm with their position, would not debate it, and were clear about the consequences. This left us with little option than to file this complaint. 

To keep our contract in good standing, we are going to pay the fee as billed. However we are also filing this complaint with the CFPB for unethical and inaccurate billing practices.
the reverse mortgage lender ( reverse mortgage solutions inc ) provides a procedure for the struggling homeowners to short-sale their property. ( short-sale letter exh XXXX ) stating that " Once the process begins, an associate will review your application and contact you within 5 business days to discuss next steps. '' FHA 's parent agency, the U.S. Department of Housing and Urban Development, also has guidelines for lenders handling short sales. we have submitted a complete short-sale package both by fax and email on XXXX XXXX, 2015 ( see exh XXXX ) only to be told that the package was lost by the lender. 
we have resubmitted that package on XXXX XXXX, 2015 ( see exh XXXX ) of which the receipt was acknowledged by the lender. 

despite the clear short-sale guidelines by the lender and XXXX XXXX Department of Housing and Urban Development the lender is not responding to short-sale requests and seems to be purposely dragging the process unnecessarily and causing the home-owner, who is a XXXX citizen, additional financial and emotional hardship.
Back into XXXX of 2010 during this mortgage crash me and my wife were part of this with our second home. We tried and did everything the bank ( specialized loan service ( SLS ) wanted us to do. They finally offered us a program called DEED IN LIEU instead of a foreclosure. we accepted this and they even paid us under their cash for keys program which is only given out for deed of lieu or short sales. 5 1/2 years later when we are applying for a new mortgage an open foreclosure is showing up on our credit report instead of deed in lieu from this bank SLS. After numerous talks with different departments within the company, faxes, written requests and a copy of out credit report so this error can be corrected on our credit report, me and my wife are getting nothing but a run around. I had XXXX different customer service reps and a dept manager say that our file looked messed up, that it should be reading one way but reads another way. They all said they do n't know where to begin. 

We showed them the proof, they saw the proof in their files. The manager even said a deed in lieu was started but never completed. They see the cash for keys check issued ( XXXX XXXX, 2010 ) and a copy of the deeds and verification of mortgage. We really need help with this and have no where else to turn. 

This is the only thing prohibiting us from obtaining a new mortgage. Our credit is outstanding except for this mark on our credit report. We can not get them to help us fix their error. We are at RISK OF LOSING THIS NEW HOME because of the wording in our credit report. Time is fast approaching for our settlement date. We waiting the 5 years for the XXXX, DEED IN LIEU time, only to be hit with this.
I have a " XXXX '' for {$1600.00} plus on my XXXX credit reports which is from an illegal eviction ... in that I am a XXXX senior just shy of XXXX years of age and in a protected class. I am in the protracted process of suing the landlord, owner and property management company for an illegal eviction and elder abuse ( among other things ). There is no doubt I shall prevail ( according to my attorney ) and those defendants may be liable for XXXX for the nasty and unforgivable eviction. This explanation should appear with the " credit & collections ''. Thank You ... XXXX XXXX
I pulled a copy of my updated credit report and noticed that there are 3 hard inquiries that I never authorized or have no knowledge of. I DEMAND that Experian properly verify these unknown inquiries and provide proof of how these inquiries were verified. If Experian ca n't provide the proper documentation then these inquiries must be REMOVED from my credit report. The inquiries are : XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX
On the XXXX XXXX, I made XXXX x withdrawals from Coinbase after selling crypto currency on their website. Both withdrawals still show as 'Pending ' even though they should have arrived before XXXX XXXX. 
I have made multiple attempts to contact Coinbase, but to no avail. So far, they have not been able to tell me when I will receive my money. 

- XXXX Coinbase Reference - XXXX - XXXX Coinbase Reference - XXXX Best Regards,
Equifax has mishandled my personal information, allowing it to get into the hands of those it does n't belong to. I am listed as a potential victim according to the equifaxsecurity2017.com website. Equifax did n't notify anyone quickly enough and openly admit that they wo n't notify everyone.
I received a letter ( XX/XX/XXXX ) from a collection agency on a credit card judgement filed through the Second Judicial District Court of Utah on XX/XX/XXXX, Case no. XXXX for {$4000.00}. I declared Chapter XXXX Bankruptcy through the Federal Bankruptcy Court in XXXX XXXX XXXX, Utah ( Case no. XXXX ) on XX/XX/XXXX, and the bankruptcy was discharged onXX/XX/XXXX. This is an illegal attempt to collect this debt, as it was discharged in the above referenced bankruptcy, and the statute of limitations ( 5 years ) has passed. The information on the collection agency is as follows : XXXX XXXX XXXX  being represented by XXXX XXXX XXXX, ( A # XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, UT XXXX, ( XXXX   ) XXXX or ( XXXX ) XXXX, XXXX. I called XXXX XXXX onXX/XX/XXXX and left a voicemail message demanding that they cease and desist their collection efforts on this debt because it was discharged in the above referenced bankruptcy and the statute of limitations had well since passed ; and that any attempted to collect on a debt under these conditions is illegal.
XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ; Experian,   XXXX   XXXX   XXXX  . This is  Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately.
Ocwen Loan Servicing received my mortgage payment on XXXX/XXXX/2016 & recorded it into my mortgage history AND then returned said payment to my bank account recording my payment as late. 

I contacted Ocwen who said they would not provide me with a reason for my payments return and now that they recorded my mortgage as late after receiving said payment I want evidence they were at fault.
I am trying to get the document stating when my current promotional apr ends. I have called Capital One several times and each time I get a different answer. I believe they are giving me this bad information so when the APR changes I will be stuck with a higher APR charge where presently I have a XXXX % interest charge. I have asked them to send me the information but they claim they cant do that. Unfortunately I lost the original terms of agreement. They have given me verbally XXXX different dates of the rate change. 
My other credit card company XXXX provides this information monthly
XXXX XXXX XXXX XXXX XX/XX/2018 email : XXXX Attention XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX Re : XXXX XXXX Paypal Credit balance paid on XX/XX/XXXX still shown outstanding. 

Dear Ms. XXXX : I spoke to you on XX/XX/2018, over six months ago about the payment made through your firm for {$2900.00}, [ see enclosed return check in full and final settlement ]. I am the principal in this matter, and regardless of my legal representation, you owe me an absolute duty not to represent false information in court. 

It is your responsibility as a creditor to keep an accurate record of any balances due, including payments made, such as payment made on XX/XX/2018. You have 30 days from the receipt of the payment to update the Claims Register in the US Federal Bankruptcy Court in XXXX for case XXXX. 

You are now over 180 days in default of this obligation. Please treat this as the final notice should you fail to update the Claims Register within the next 4 working days. 

Yours Sincerely, XXXX XXXX XXXX Enc : Copies of phone call transcripts with you and your firm, return check & Claims Register. 

Cc ; XXXX XXXX attorney for XXXX XXXX, Federal Trade Commission Complaint
On behalf of my deceased father,  XXXX   XXXX , a complaint was submitted to CFPB ( case number  XXXX  ) on  XXXX / XXXX /  XXXX   in regards to a leased  XXXX   XXXX  of which I have not doubt he was taken advantage of when he went to  XXXX   XXXX  alone to lease yet another car ( his third at the same dealership ).  XXXX   XXXX  charged him {$1500.00} even though he was yet again leasing another car. My family members have been leasing cars for years with  XXXX ,  XXXX  and  XXXX  and have never had to submit additional monies when leasing.      Honda Financial  finally agreed to take the auto back after CFPB contacted them in regards to my complaint that was submitted on  XXXX / XXXX /  XXXX  . I was faxed the instructions in regards to what needed to be done. On  XXXX , the car was turned in, no questions asked. Finally justice or so we thought. My brother, who lives at the residence that my parents lived, but he was paying the mortgage, was notified when he attempted to get the house in his name, by  XXXX   XXXX   XXXX   XXXX  that there was an outstanding balance owed on the vehicle of {$2900.00}. The vehicle was returned 7 months ago and this is the first anyone is hearing about this. Not to mention  XXXX   XXXX  has a number of same exact vehicles ( different colors ) certified pre-owned vehicles on their lot selling for {$23000.00} with at least 5 times the amount of miles then my father 's car.  XXXX   XXXX  is claiming they sold his car for {$17000.00} which I believe if they did, they did it purposely to say they lost money. Not to mention the depreciation of the vehicle that always works in their favor, never the consumer.     In reviewing the original lease agreement, the following amounts were also paid : {$1500.00} - lease signing {$350.00} - Turn in fee Why was no one notified until 7 months after the vehicle was returned to the dealership that they now claim a balance is owed? They were advised there would be no estate and they agreed to the terms because of his death.     Thank you  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX  deceased  XXXX / XXXX /  XXXX   )
I do not have mail or debt at this address. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
XXXX XXXX XXXX is holding my payoff hostage and stating that even though I requested a payoff that was good through XX/XX/XXXX, and I closed on XX/XX/XXXX until I come up with another {$2400.00}. At the same time, they are telling me I am in default because I didn't pay my XX/XX/XXXX payment, that shouldn't even be due because I closed in XX/XX/XXXX for the refinance. They say that the reason I owe the money is because the escrow account was short, but I pay into the escrow more than enough for taxes and insurance each month, and on top of that, they won't provide me with an escrow analysis to show where my monies have gone.
I was a victim of identity theft and noticed a collection from XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
My name XXXX XXXX XXXX, and Bank of America is reporting an account that is not mine. I have done several disputes with all XXXX credit bureaus and XXXX and XXXX have deleted the trade line but XXXX has not. The account number being reported is Bank of America # XXXX, opened on XX/XX/2006, and the balance is {$11000.00}. I have even filed a police report in the city of XXXX Texas and sent this to Bank of America but the trade line continues to reflect on my credit and it has affected me so negatively that I am not able to purchase my home. I would appreciate any assistance you can provide since I have exhausted all other avenues in getting this removed from my credit report. Regards. XXXX XXXX XXXX
Attempted to cancel my account on multiple occasions in the last 6 months. I experienced hold times in excess of one hour and was never connected with customer assistance. E-mail to customer assistance never received a response.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via XXXX news. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. I will have to spend valuable personal time securing my identity because Equifax did not secure my personal information. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
OnXX/XX/XXXXThe Bank of New York filed a MOTION FOR DEFAULT against me and several other entities ( non of which reside or co-own my homestead property in Florida ). 

Since then, I have made several ignored requests for a modification, reduction in monthly payment or an opportunity to short sell. 

For clarification, my mortgage payment ( When the loan belong to Bank XXXX XXXX ) increased by {$1200.00} for lender placed insurance inadvertently placed on my account because at the time I had coverage. XXXX My payment went from {$1600.00} to {$2900.00} ) To avoid foreclosure I was approved for a grant ( XXXX XXXX XXXX ) that paid the escalated about for 8 months, during which I hoped I would be granted a modification or the ability to short sell. 

I do n't believe The XXXX XXXX XXXX XXXX is giving me a fair opportunity to keep my home.
Me and my dad have the same name he is XXXX, and i am the XXXX. He has an account with XXXX XXXX XXXX XXXX that is in collections and showing up on my report.
I had received a collection letter from Weber & Olcese P.L.C. i did inform them that it was filed this on bankruptcy, but they '' re disputing it because it was on my son bankruptcy discharge, and not mines even thought he was a authorized user as well. so they have been constantly harassing me, to the point that they have filed a law suit against me, stating they they are employee of XXXX XXXX and they have access to all relevant system and document of XXXX XXXX to validate any information that they are authorized by them, and they have personal knowledge of the matter, that stated in the law suit that there was a attached contract, which it was not, they submitted a billing summary and invoices, and invoice is not a bill of sale, nor is it evidence of a sale, it is a mere detail statement of quantity and cost of things invoiced, i told them i was not the responsible party and they continued to harass me about a debt that been clear in bankruptcy ... and even the amount that they are suing for is more then the bill that they attached to the law suit, the bill is for {$1700.00} they are suing for a total of {$1800.00} other charges that was added since the charge off, i would like to knows who trying sue me is it the credit card company, or is it and third party debt collection company, because capital stated that the debt was charge off given to attorney net work, what ever that is, but they are coming after me saying they are the actual company that suing me, and on the law suite it state they they are a debt collection company, please help they are twisting things to there advantage in court, i have submitted all papers to them but they continued to come after me, i have previously filed a complaint but left off some things
Regions has twice not honored Bill Pay checks with a specific delivery date. This has dropped my credit score and now shows up as a late payment on my record although the arrangement was made up to two weeks in advance. In one month I was charged {$39.00} for XXXX XXXX ( normally a monthly fee of {$9.00} ) and was told I need to go through a formal dispute to correct it. Disputes require information to be faxed ( who has time for that? ), and take ten days to be reviewed. If you are lucky at the end of 16 days you 'll get a letter stating what happened. Why should I have to go through this? 

There have been multiple times where bank errors have caused overdrafts and the bank has refused to refund the fees, even going as far as to charge me {$35.00} for EVERY single transaction that posts after the account is over drafted. Once I swiped my card for items on a Saturday that did not clear on my account until the next Wednesday. Once the transactions cleared my account was {$4.00} short. I was charged {$140.00} in overdraft fees. Normal banks process transactions within 3 days of purchase. Regions processes them whenever they feel like it. 

I have even had a banker call me repeatedly at work the day I received a tax refund to offer me all types of credit cards, after generously telling me how much money was in my account. This is very invasive and I am upset that someone monitors my account to that extent. The list goes on and on. This is hands down the worse bank I have ever been a customer at.
I requested my financial institution to remit a credit card payment on XX/XX/2016 to CITI Financial for a payment that was due XX/XX/2016 however, because of their system, they did n't process it until XX/XX/2016 and charged me a late fee. I fulfilled my obligation to make the payment timely yet the explanation I received was that I need to remit payments a whole week before the due date because their system may take 5-7 business days to process a payment. This violates contract law and does n't make sense that I 'm held accountable due to a financial institutions inability to process payments timely. Also, payment processing should not take this long.