WillisBack/dataset-financial-user-claim huggingface dataset:
Account opened fraudulently due to XXXX data breach in XX/XX/XXXX. Charged 500+ dollars to the account, went to collections before I even knew it existed. Went through XXXX to dispute. Gave all proper information, never removed from my credit report. Midland refused to acknowledge the legitimacy of my claim. Still calling me requesting money I am not, nor ever have been liable for.
hi, i have mortgages : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i 've had these loans for quite a while-i think since XX/XX/XXXX or XX/XX/XXXX we 've made our payments and have had to adjust how we send them in due to the careless handling of the payments. first i would mail them altogether in one envelope with one check and include the coupons showing the loans paid. they would apply all of the money to XXXX account and show the others past due. i stopped doing that and issued a check per mortgage and included all the checks and coupons together in one envelope-same result as the first. i am now writing out individual checks and putting the check and the coupon in it 's own envelope and then sending it by ups -- so i get a signature that you have received the payment. i 'm sending ups -- - because it is taking upwards of a week to apply the payments to the mortgages-why is that? it runs it close to the end of the grace period-which sets off a chain of events that is wasting my time. i get calls and emials telling me that my payment is due-although i sent the check out a week ago. i called XX/XX/XXXX and talked to reuben id # XXXX and went through each and every loan to make sure i was n't charged a late fee-he did that for me and told me that no fees were charged. i asked how come they are calling me and he said that there are XXXX or XXXX departments that work on the loans and they do n't share the info. this is a huge time waster for me and very stressful. i need to speak to someone regarding this as i need to remove the remarks from my credit report-it has a negative impact. i have in my email box a notification of payment on XXXX XXXX telling me that the payment was made on loan XXXX and then on XX/XX/XXXX i get an email payment reminder -- see how this is happening? makes no sense to me. i can never get to anyone that can make a decision or think logically to resolve this issue that has been going on for years.
i told discover card years ago that i couldnt pay their high payments anymore on social security. they pursued took me to court XXXX/XXXX/XXXXi called XXXX when i got court papers and they said just go alone as on ss with credit card dont have pay. so i replied to court with the fact i couldnt pay debt but court went against me and slapped public judgement on my credit report that just came up. i dont have funds pay {$4600.00}. been waiting out 3yr term from former foreclosure to buy house XX/XX/XXXX but this puts Big dent hindering that. how can you HELP?
My name is XXXX XXXX and my wife XXXX and I have an account with Specialized Loan Servicing for our townhouse in XXXXXXXX XXXX XXXX. I have been paying our mortgage on time diligently for the past XXXX or XXXX   years with SLS and never had a notice or complaint from them until recently. SLS sent me an option to choose to receive paper bills and I opted for it this XX/XX/2018. I got a notice from SLS this month XX/XX/2018 that I have an outstanding late unpaid balance of {$1500.00}. I was shocked to get this notice and so I called them on the phone but was not given a clear answer as to where this unpaid balance came to be. I called XXXX or XXXX   times and I was given different answers each time. I requested for a supervisor and they told me that a supervisor will call me back and explain to me what the problem is. But no supervisor has ever called me back. Twice I requested for a supervisor call back and did not received any call back. I am willing to pay this amount if SLS can explain to me in writing where this unpaid balance came to be. My concern is if I pay this blindly then how do I know that I will not get another notice from SLS about another made up unpaid balance in my account. Please help us resolve this problem with Specialized Loan Servicing.
I have been working with a service called XXXX XXXX to help with this loan. We communicated with Navient & because of my age XXXX  and income had paid in to it many years I requested to have the loan forgiven. They requested what my Social Security amount each month is and had to submit. That was last year. My name is the only name on the account.
They agreed and sent me a letter stating I had a XXXX  balance. I do have a copy of the letter. Dated XX/XX/XXXX This year however the plan has changed and they say I now have to include my husbands income and need to send in tax forms from XXXX. Due to going back and forth with them on this and being in forbearance the interest is accumulating and even though I paid many years the amount now is larger than what I had originally borrowed. It has affected my health and am so glad there is a law suit out on them.
Thank you XXXX XXXX
XX/XX/XXXX XXXX XXXX XXXX  : Received a phone call from XXXX from Portfolio Recovery Associates. Supposedly her last name is XXXX. They have identified the wrong person, I owe no doubts to such a company. Asked to be removed from their list.
Hello, My name is   XXXX   XXXX   and I am contacting you on behalf of my grandmother   XXXX   XXXX   XXXX  . My grandmother is getting ready to retire and I am trying to get her finances handled and have come across some discrepancies. She has a SEARS card that she did use but stopped about 2 years ago and continued the payments as billed to her and her balance never went down. I have looked into her purchase history and nothing warranted the a approximately three thousand dollars. I believe that the interest and services fees are what kept her from minimizing the debt over the last couple years. I 'm hoping by contacting you that you can find out if there was any wrong doing over this matter. She has been for the most part a pretty loyal customer of theirs until they left the local area.
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Thank you for your time and patience,   XXXX   XXXX
The information concerns the status of my husbands XXXX student loan on which I was a co-signer in XX/XX/XXXX. The loan number appears on my credit report as follows : XXXX The original amount is {$2400.00}. <P/>My husband and I submitted the attached letter in XX/XX/XXXX and the loan information on my husbands credit report was corrected but mine is still inaccurate. The loan is still listed as a negative item on my Experian credit report. On XXXX and XXXX it is showing correctly and not affecting me negatively The following comments appear in the status and comment sections related to the loan : Paid in settlement ; Account paid in full for less than full balance. It is also showing a late payment in XX/XX/XXXX. We have never been late on a payment. <P/>As you will see by the attached letters, I have disputed with both XXXX and Experian but Experian will not correct the problem. My husband disputed it and they removed it from his Experian report. Since I am just the cosigner it should be corrected on mine also. I have disputed with Experian 3 times and they will not adjust it even though it is showing correctly on my husbands report and the other 2 reporting agencies.
On XXXX the XXXX I had {$40.00} in my checking account. They then proceeded to charge me a {$38.00} insufficient fund fees. 
This bank fee charge is funds money that I needed to by food to eat.. I am working very hard to better my situation, but the {$38.00} fee really hurts. the {$40.00} in my account was depleted in entirety by the {$38.00} bank fee. This fee was charged due to my only having {$40.00}. in my account and is a very unfair and large fee to charge.
I was told by Original Creditor - SYNCB/Amazon that XXXX XXXX XXXX ( XXXX ) is the servicer of this old charged off Amazon store card account. They provided me with this phone # XXXX to contact to pay this account in an effort to have it removed from my credit report. However, this company has never contacted me, nor sent me anything with regard to this to dispute it nor anything else and when I call - which I have done NUMEROUS times they have a recorded message that will have you wait on hold for a moment then will say they are not able to take your call and to call back or leave a message. I have tried emailing them and faxing them to no avail. I CAN NOT get ahold of this company in any form or fashion and we are purchasing a home and must get this account Paid/Settled. Can you please look into this matter and contact me back regarding this matter. I can be reached via email at XXXXXXXXXXXX or via phone at XXXX or via mail at XXXX XXXX XXXX # XXXX XXXX, TX XXXX. 

Thank you, XXXX XXXX
I contacted CFPB to dispute a negative mark XXXX XXXX XXXX collecting a debt for payday loan yes. it showed XXXX in 2008. I have never heard of payday loan yes. I never received any correspondence from XXXX or XXXX loan yes. Their response to CFPB is on file case # Case number : XXXX ; however, the negative mark has not been deleted from either credit bureau as promised. I also disputed with the credit bureaus and informed them of the response on CFPB ; however, they continue to report.
XXXX XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : ADVANCED COLLECTION Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ADVANCED COLLECTION I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SOC # XXXX  DOB XX/XX/XXXX ADDRESS : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I have been trying to do a mortgage modification with my lender Chase sinceXX/XX/XXXX. I have been unsuccessful with them since my ex-husband 's name is on the deed of trust. My ex-husband is in XXXX for domestic abuse. I applied for a modification due to financial hardship and falling behind on my mortgage payments when I first had him removed from our home. Since then I have been able to repair my financial situation and want to make good on my mortgage, however Chase is being very uncooperative. They will not grant a modification due to his name being on the Deed. I have explained that he is in XXXX  and refuses to sign and quit claim deed or power of attorney. My attorney has tried to threaten him with legal action, however he does not care. My attorney, the title company 's attorney and the mortgage specialist at Chase spoke at one point in XX/XX/XXXX and said if I signed a quit claim deed from my married self to my single self, and had that recorded with my divorce decree which clearly shows I was awarded the property, they would remove him from the deed. I did all of this and provided the original recorded copies to Chase. Chase is still refusing to do the modification work and is still asking me for a Quit Claim deed to be signed by my ex-husband. I have escalate this to the executive office and they were no help and have told me their research is closed as of XX/XX/XXXX and I need to provide the quit claim deed, along with proof of child support and alimony payments. I can't do anything else at this point. I am being held hostage in this house by a man that is in XXXX. I am trying to do what is right and make good on my mortgage and Chase is refusing to assist.
I purchase a laptop computer from best buy on XXXX the XXXX, 2015 I put {$1000.00} on my best buy credit card and I had a {$52.00} gift card from best buy and I put the rest on my Visa with another company and that amount was {$92.00}. I returned the laptop on XXXX XXXX, 2015 to best buy on XXXX is where I purchased it and returned it as well, and the person at the customer service desk informed me that he would need to contact a manager because it was over 15 days and I needed to return it before the 15 days was over with. I told him no one told me that and I never used the computer It just being sitting in the box and there is nothing wrong with it. so he called the person that was on duty for a manager and he told the that person that was on duty that nothing was wrong with it and it was never used and this person was very nasty and rude about the whole situation and told me he do n't have to do anything for me and ask me do I want to speak with someone on a higher level and I told him yes then he said that he was it and If I want to speak with someone on a higher level then he would not handle my situation and he said we do n't have to tell you that we have 15 day return policy and I told him yes the store do suppose to let me that. He said that the sign are all over the store and I never saw the sign because I do n't shop there like that to even look nor know that information. He began to tell me all he can give me is a store credit and informed him that this is on my credit cards and he said you either take or leave it because that is all I can do for you and if you do n't like that you want get anything at all. I told him, why in the world would I want to have a credit for this store and still have to pay for a bill as well ( XXXX bills to be exact ). Most stores would take this off your credit cards but he would not and this is what I want them to remove this off my credit cards. The amount {$1100.00} off my credit cards and teach this person how to be a manager with customer service.
On XX/XX/2018 the company XXXX XXXX called and left a voicemail that was quite disturbing, I have the voice to text and this message was left for me " This is a final courtesy call from the XXXX XXXX XXXX. Before reporting that you've been uncooperative and investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that's XXXX. Thank you. Good day. '' I admit I never answered the phone from the them because I do not answer random calls from random numbers, but I have read many complaints from the XXXX on their practice and feel them using jurisdiction, law etc is out of practice and is a scare method to make people call them. I'm truly not interested in speaking with them and would like for XXXX issue to be forwarded back to the original debtor for resolution for this company using a scare method is not my how I want to handle this issue.
The original borrower is deceased and the company is not releasing any information to the heirs to finalize the process. 
The heirs completed are interested in keeping the property but the services on the account XXXX would not release any information regarding the mortgage.
THE GEORGIA DEPT OF HUMAN SERVICES HAS ILLEGALLY ACCESSED MY TRUST ACCOUNT AND MY CREDIT THROUGH ILLEGAL FRAUD. THEY NEED TO CLOSE THEIR ACCOUNT AND REFUND MY MONEY.
Stellar Recovery, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX appeared on my credit report XXXX XXXX collecting for XXXX XXXX. I have never received any information from Stellar Revovery regarding this said debt. I tried to call the phone number listed on my credit report, and the number does not work XXXX. I paid XXXX through another company, almost three years ago. I do not owe XXXX. This is unfair that a company from no where can put information on someone 's credit report and not provide any documentation of the debt or a letter to inform the consumer that they are working on behalf of said company. I paid XXXX off. This is why they were not on my credit report initially. I had cox over 6 or 7 years ago. I do not owe XXXX. This company did not provide a letter or documentation of this so called debt. How did they end up on my credit report.
I PRESENTED TRANSUNION WITH MY ALABAMA ISSUED DRIVERS LICENSE FOR THE PAST 17 YEARS. SOMEONE WAS LIVING UNDER MY IDENTITY IN XXXX XXXX NEVADA IN XXXX, XXXX. I LIVE IN ALABAMA AND NEVER LIVED OUTSIDE ALABAMA I HAVE ASKED TRANSUNION TO REMOVE ALL NEGATIVE ACCOUNTS FROM MY CREDIT FILE ASSOCIATED WITH XXXX XXXX NEVADA BECAUSE THIS IS NOT ME! THERE IS A XXXX XXXX XXXX XXXX. THERE IS A XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. ATTACHED TO MY CREDIT FILE THAT IS NOT ME. THESE NEGATIVE FRAUDULENT ITEMS ARE RUINING MY CREDIT FILE ALSO THERE IS A XXXX XXXX AND A XXXX XXXX CHAPTER XXXX THAT SI NOT ME. WHOEVER DID THIS I HAVE RESEARCH BETTER THAN TRANSUNION. FILED THIS CHAPTER XXXX ONLINE PROSE. NOT ME PLEASE INVESTIGATE AND CORRECT MY CREDIT FILE. THIS IS MY 2ND ATTEMPT ASKING FOR A RE INVESTIGATION. I HAVE DOCUMENTS FROM ALABAMA THAT SHOW I FILED ALABAMA TAXES XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX PLEASE CORRECT YOUR RECORDS.
California Business Bureau of XXXX, CA, has attempted, on numerous occasions, via their representative XXXX, to collect over {$1000.00} above the principal balance of an alleged medical collection with XXXX Hospital in exchange for deletion of this account from my credit report. The company claims they have validated this debt with statements and bills in 2010, however, I stated I do not recall this, and they have refused to send updated copies of this debt validation to my current address or remove this from my credit reports. 

California Business Bureau has attempted to extort excess money from me, the consumer, in exchange as a barter for deletion from my credit files. I believe this to be a violation of the FCRA and a very unethical practice. 

I have disputed this debt with the original creditor as well, XXXX HOSPITAL, who claims that the debt is valid based upon me recalling one of the services performed ( XXXX ), though I still dispute the dates of service in question and total amount said due. The original balance is quoted as being {$1700.00}, and CBB is requesting over {$2800.00} to close the debt and remove from my credit report. 

In addition, I have filed a complaint with the XXXX and the Attorney General in California for this company 's extremely unethical business practices. Note that XXXX, CBB Agent, stated " I 'm not supposed to do this and normally we do not do this, but will delete this for you if you pay this amount ''. The company has refused to further dispute this information, nor has accepted responsibility for the attempted bartering with their agent and non-compliance with FCRA. It is also worth noting that NEITHER THE ORIGINAL CREDITOR ( XXXX HOSPITAL ) OR THE COLLECTION AGENCY ( CALIFORNIA BUSINESS BUREAU ) HAVE COPIES OF MY DRIVER LICENSE, SIGNED DOCUMENTS BY MYSELF, or SOCIAL SECURITY CARD proving this is my debt, or that I was seen on the alleged date of service for the alleged services.
I complained repeatly and demanded to correct violations and Nationstar Mo rtgage, LLC did  not take action to correct problem s. Nationstar is a servic er only, pursued the goal of foreclosure on behalt of the  XXXX  or  XXXX  that no real interest in the alleged loan, has no standing to foreclose on my property. I try to resolve problem by applying for loan modification through the  XXXX   XXXX   XXXX   ( H UD  ). In three  months, I was requested for the application ( R MA ) three tim es, plus other required documents repeatly and no single point of contact. On  XXXX   XXXX  and  XXXX   XXXX ,  2017 , I wa s requested to resubmit the third RMA and other documents. While my mod is under " Review '', Nationstar insiste d go ahead schedule for trustee sale on  XXXX   XXXX ,  2017 , which is next week. Nationstar advances for servicing-related expenses fees-such as attorneys ' fees, escrew.force-placed insurance charges, and foreclosure-related expenses. This misconduct and behavior of Nationstar are not acceptable, but they are acceptabls for a disgrace legal system with the judges who are partners with the banks except a few who have fundamental right. They trade human suffering with profit.
Continued posting to my credit report unde Pinnacle stating I had this debt in XX/XX/XXXX then re aged debt to XX/XX/XXXX, XXXX stated it was fraudulent and then sent letter stating nothing of what they said they would do Both companies XXXX and Pinnacle are ruining my credit. It is the only negative item in my report this is costing me XXXX in trying to buy a home please see below. I need a delete letter from pinnacle Thank you
My husband and I are on XXXX. I have been trying my best to keep up with our bank acct at Regions Bank. I have gotten all my statements together and in 2016 so far they have taken out overdraft charges in the amount of XXXX and returned item fees in the amount of XXXX. I went to the bank and my account was getting hit by debits that i did not authorize. The bank said that when my acct was in the XXXX i could come back and open another acct. We are on a fixed income and can not afford these charges. Please tell me what i can do. Our checks are direct deposited so they just keep hitting me with charges and my house payment and utility bill has been returned unpaid so many times that i can not write a check anymore. As you can see i would have more than enough money to pay my bills if i was not PAYING the bank!!! PLEASE HELP ME