WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, I moved from my home on XXXX XXXX XXXX to another address XXXX XXXX XXXX ( not my current address ), where I got new service for XXXX XXXX XXXX XXXX XXXX XXXX. I was told by a representative that in order to get new service at the new address, I had to pay up the bill at the previous address, which was done, and I did receive new service at the new address. In about XXXX of this year, I started receiving numerous phone calls per day from the XXXX XXXX XXXX requesting a debt of about {$130.00} that they felt I owed for a debt they claim they received from XXXX XXXX XXXX. This was not the case since I was able to receive service at my new address. I informed them of this and then ended the call. On XXXX XXXX of this year, I put my number on the do not call registry, and even though it has been over 31 days, I have received 7 harassing phone calls from collections agents of XXXX XXXX XXXX since XXXX XXXX, 31 days after I 've put my phone number on do-not-call. These phone calls stem from a series of XXXX followed by various different ending 4 digit numbers. I am aware of my rights as a consumer and am aware that these companies can be held accountable for breaking these do-not call protocols.
They said that the bill is not paid I have had equal fax to re dispute the payment. I have called they and nothing good turned out from it.. 

I XXXX XXXX have sent the payment to Southern Management System to try to resolve the issue. I also had the XXXX CRAs submit the receipt of payment that attached to my dispute to Southern Management System. They are refusing to acknowledge the payment therefore I filed a claim with the CFPB to get assistance resolving this issue.
A representative of G C Services contacted me, on my cell while I was at work, and stated that I was listed a reference and asked for the contact information for another person. I asked what it is was in reference to and she said she could not tell me. I then asked the name of the company, which she gave, and asked what type of company it was. She said that she could n't tell me. I then asked for their company 's web address and she provided me with an incorrect website. When I told her that was n't the correct website she provide me with a different website. At first I offered to pass along their number to my friend, but then told her that I would not pass along the message because she could n't tell me what I was listed as a reference on. She told me she could n't tell me or even what type of a company they were, but that I could look it up. I did exactly that out found out that they are a collection agency. I told her that she was using very deceptive calling practices when she implied that she was calling about a reference. I told her that they were a collection agency and that I was not authorized to give out any personal or work information. She then asked if I could pass her number along and ask my friend to contact her, which I again refused. I asked her to remove me from her calling list and to not contact me again.
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires on Equifax : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquires are related to none of the aforementioned permissable purposes : XXXX XXXX XXXX. Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX. I have asked the creditors and credit bureau to provide me with proof of my signature requesting the credit. Still no proof submitted from them.
Equifax has been non-compliant with removing the unverified account XXXX XXXX  XXXX XXXX Opened Date XX/XX/2013 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
My student loans ' deferment was ending in XX/XX/XXXX and so in XX/XX/XXXX I paid off the accrued interest so it would n't capitalize. FedLoan Servicing first mistakenly applied the entire payment to one loan instead of all interest across all loans. It took 2 months and several phone calls to get the payment applied correctly retroactively. Several people told me they 'd would fix it but either nothing changed. Once that situation was resolved in noticed my repayment terms were not recalculated. It took countless calls before a customer service rep finally understood what I was talking about. I do not feel like many reps are qualified to discuss loans. After that call my repayment was recalculated but the monthly bill was still incorrect. In my subsequent conversations I have simply been asking for a repayment schedule but all they can provide me is the repayment terms ( which takes XXXX business days for some reason ). The problem with the terms is the terms never reconcile to the monthly payment. The outstanding loan amount, interest rate, and repayment length always equal a different min payment than on the same summary. Some are too high, some are too low. I feel like I can never talk to someone who knows what they are talking about.
My house payment was in the XXXX range. US BANK OFFERED A REFINANCE SO THAT WE COULD PAY OFF MY XXXX LINE OF CREDIT WITH THEM. They raised our interest rate by XXXX points. They did not pay off the XXXX line of credit that the claim I owe. My XXXX husband opened this line of credit & ai thin at least half should be removed. They face my husband ( the new one : XXXX XXXX a limited amount & only let him pay off certain debts. We now have a larger house payment, higher interest & they refuse to roll in this line of credit that 's chocking me. We worked again with XXXX at your branch on XXXX only to be turned down. Again & again we have been denied both by VA & US BANK. My husband & I have XXXX or better credit scores, decent income, own XXXX homed & XXXX cars. UsS bank prefers to leave me with their 16 % line of credit ( XXXX ) rather that roll that into our us bank home mortgage. Much more lucrative for them & they will likely end up Peking our house as they are chocking us with 7 % mortgage & 16 % line of credit XXXX XXXX ). My husband has SS & a great XXXX pension. Is his XXXX yr old age a factor? Iwe own XXXX homes free & clear & another only XXXX left on mortgage. The one we 're living in we owe XXXX thanks TO US BANK. Please advise XXXX & XXXX XXXX XXXX XXXX ( also their drive by appraisal of our home was very low -- XXXX trailer in front that blocked the homes view..! ) we are disappointed & my husband has XXXX XXXX XXXX. His stress is now enormous that 's to the lies & the " No '' s we were given. Our veterans deserve better. He has more integrity than US bank will ever know. 
Cheated out of our opportunity in XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX
I have had this card for 5 years and during that time paid it off multiple times. Wells Fargo has never lowered my interest rate and never offered me a promotional rate. They refuse to lower my rate and never give me a reason why. They keep telling me my account is reviewed periodically for promotional rates or to lower my rate, that is a lie! My account is never reviewed. My credit and history deserves a lower rate on this card.
I hold Equiant Financial Service fully responsible for this derogatory collections on my credit report. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XX/XX/2016 ). This was for account # XXXX. On XX/XX/2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XX/XX/2016 ) and none was given as well as they did not place a dispute by consumer on my credit report. Equiant Financial Service as not sent the appropriate verification by the FCRA section XXXX ( A ) ( 1 ) ( A ). Then Equiant Financial Service has not responded to any of my inquiries since XX/XX/2016. I would like this to be removed from my credit report or I will file a lawsuit. Thanks
I am a XXXX resident and my wages were garnished and continue to be garnished by XXXX XXXX XXXX. Sometime around XXXX XXXX XXXX purchased a credit card debt XXXX XXXX  XXXX allegedly owed to XXXX under my XXXX  name XXXX XXXX. In XXXX XXXX XXXX filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Case No. XXXX ) alleging that I owed them XXXX  and obtained a default judgment. They mailed the notice of lawsuit and any other papers associated with that lawsuit to a XXXX XXXX XXXX XXXX, XXXX using my XXXX name on all of the paperwork. I am not nor have I ever been a resident of XXXX, XXXX. I was never served any papers by the XXXX and I never signed for any papers at the XXXX XXXX in XXXX, XXXX 
I was critically injured in an XXXX XXXX on XXXX XXXX, XXXX and lived with my XXXX in XXXX, XXXX up until XXXX of XXXX I was XXXX on charges stemming from that XXXX. I was incarcerated in XXXX from XXXX until my release on XXXX XXXX, XXXX. I obtained a job with XXXX in XXXX of XXXX and first heard of this lawsuit when my wages were XXXX by XXXX XXXX in XXXX of XXXX. 
I never received notice of the lawsuit back in XXXX and I never received any notice or letter from XXXX XXXX or their XXXX XXXX and XXXX attempting to resolve this matter before garnishing my wages. The information that I have I got on my own from my employer. XXXX XXXX has failed to send anything to me ever. 
XXXX XXXX is taking at least XXXX XXXX of every paycheck and there is nothing that I can do to stop it. In addition to the alleged debt of XXXX they have tacked on another XXXX in XXXX costs and " XXXX XXXX interest ''. How can I defend myself for a debt that was incurred more than XXXX  XXXX ago when I have been XXXX for the past XXXX XXXXears? How can I stop this wage garnishment? This puts a tremendous hardship on me. I am a single XXXX with a XXXX year old child to support. Please look into this matter for me.
XXXX XXXX XXXX ( f/k/a XXXX XXXX XXXX ) took over my loan. After suffering a financial downfall in the recession we tried multiple, multiple, times to modify. XXXX had a Foreclosure Mill file for foreclosure while we were still submitting for XX/XX/XXXX or so time paperwork for a mod. Foreclosure was stayed b/ this is our primary residence and due to the DOJ halt on foreclosures on primary residence. The case was dismissed and XXXX quickly agreed to not only a modification but also a principal reduction. GREAT! We did our trial payments ... .we signed a modification agreement finalizing the conditions and all was back on track. A few months in I received a notice that our new payment was going to increase by several hundred dollars??? WHY? Apparently there was a negative {$13000.00} in our escrow account that was throwing off the monthly payment. I quickly called my BofA representative that handled our modification ( Not there anymore ), Called/ emailed the Foreclosure Mill that was involved as a contact with my modification. No help. Then went through the multiple departments at XXXX to try and correct the problem. Some reps in certain dept. said, " Yes, I can see the error but I can not correct it. '' They would just direct me to another department without any resolution. I was told the only way to try and clear up the error would be to apply for another modification. WHAT? I do not want another modification. I just want this error on the escrow account corrected! I ended up sending in all the modification docs yet again b/ it seemed to be my only option. I was denied and then sent to appeals ... .then my loan and servicing was closed/sold/transferred to Selene Finance . I quickly explained the situation to the Selene rep. that seemed to have NO information about my past with XXXX. I then sent a QWR certified mail requesting information on the accounting/servicing/terms of the loan they now claim I owe them. After XXXX days I received a reply from Selene which said it had enclosed items such as payment history, detailed acct. history, etc. etc. But none of those attachments were in the packet. I sent A SECOND QWR that was acknowledged by Selene on XXXX/XXXX/XXXX and again it has been 45+ days with no response. My concerns are 1 ) Selene Finance is not adhering to RESPA rules ( over 30 days, NEGATIVE reporting to credit agencies ) 2 ) My original XXXX loan was registered with XXXX but has been inactive since XXXX. 3 ) The assignment recorded in my county has known robo-signers with lapses in recording dates. XXXX XXXX No one will seem to give me a proper chain of XXXX. XXXX ) The assignment from XXXX to XXXX on file at XXXX XXXX is signed by ASSIGNOR : XXXX XXXX. XXXX XXXX is the VP for Selene. Where is the signature from XXXX to Selene? How is it they can purchase my loan at a steep discount and then try to collect much more? How do they have the right to report my loan since it originated on my credit report when they just purchased it 5 months ago?
THIS IS MY LAST REQUEST FOR RESOLUTION. I WILL FILE SUIT FOR DAMAGING MY CREDIT UNDER THE FCRA. FIRST REQUEST MADE XX/XX/XXXX Company has not reported good status updates in over 30 days. They are required under the Fair Credit Reporting Act to report status once every 45 days. They have not reported since XX/XX/XXXX.
Experian report # XXXX date XX/XX/XXXX. Dear Sir or Madam : The sole purpose of this letter is to have Experian remove inaccurate information disputed now 3 different times on my Experian credit report. 
On XX/XX/XXXX I sent a dispute letter to Experian asking them to remove an inaccurate account for a company called XXXX ( XXXX ) appearing on my report. I initially disputed the information with XXXX requesting debt validation to include the alleged balance and calculation, proof that the account is correct, documents showing that I agreed to pay this debt and agreement that grants authority to collect this debt. To date, I have not received this from them. The company in question XXXX, has been unable to provide me with validation. I received a response from Experian on XX/XX/XXXX regarding this dispute stating that the account was updated and not removed. I then called and spoke to a customer service agent XXXX on XX/XX/XXXX who then initiated a new dispute that would take 30 more days. The company responded to Experian on XX/XX/XXXX, with no validation and is currently reporting inaccurate name information in my report. This is inaccurate information and therefore ; according too the law should be deleted from my report because it is reporting inaccurately. I spoke to another customer service agent XXXX at Experian on XX/XX/XXXX and she initiated another 30 day dispute for the inaccurately reporting information. I should not have to wait another 30 days for removal of this account on my report. I am asking for removal of this account from my credit report immediately as I have waited beyond 30 days for the solution per the FCRA that states inaccurate information should be deleted. 

Sincerely, XXXX
I recieved a call from a debt collections Agency called Dynamic Recovery Solutions. I am very careful with my bills and mobey owed and I know for a fact I have NO DEBTS needing collections, especially any that I would n't have information on. I read online the kinds of threatening tactics they use towards other people and do not wish to be threatened over nothing myself.
Checked my credit report with experian and there is a previously deleted account reporting back on my credit report. XXXX XXXX was deleted over 3 months ago. As of XX/XX/2017 the account is showing as a negative item.
Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX {$3300.00} XXXX XXXX {$810.00} XXXX XXXX {$830.00}
Back in XXXX XXXX 2009 conn credit corp was reported on my credit report. I never applied for credit with them at this time I asked them to send proof that this was my account and they never did. The account has been a charge off on my credit report for over seven years with a XXXX balance?
Navient keeps claiming that I am " in grace '' when I am still in school. They attempt to have my loans turn from in grace to needing to be paid. They do this all the time. They keep doing it. Nearly every year I have to go to my school and have a paper faxed to them. They always claim that they do not receive it. I have to rush back to the school and mail it and force someone to sign for it. The times I have not they claimed they did not receive it. I asked them if they had someone who ran around the office pulling faxes out of the machine and throwing them in the trash. They hung up on me. Most of the customer service people who answer I can not understand as they outsource. I believe that they can not understand me as well and this causes problems and break downs in communication. I am tired of Navient XXXX me over. Instead of being able to concentrate on school I, instead have to concentrate on making sure my loans are not going in to default or forbearance. They do this every year!! I know they want the money, but to file false all these false allegations really annoys me. My roommate has loans serviced by XXXX XXXX and they do a wonderful job. I wish we were allowed to choose our loan servicers. I would never have chosen Navient knowing they were XXXX XXXX. The business practices and the way customer service treats people are deplorable! They claim to want to help, but told me that I would be better off using my student loan to pay my student loan if I was still in school?! Why would a company tell you to use your loan to pay off your interest?! I want my loan servicer changed. I want the ability to change whom my loans are serviced through. I do not want to deal with Navient. They do not have good or even scrupulous business practices.
experian has fraudulently used my address for someone else and the sent the report to me. 1. received a report at my home address for another person 2. no such person at this address 3. correct this now 4. have experian apologize for their stupidity 5. get that person off my address 6. now
Bank of America has purposely parked and stalled my Request for Mortgage Assistance ( RMA ) application package with the various tactics that include, but not limited to, incorrect denial of borrower eligible programs, specifically Making Homes Affordable ( MHA ) Home Affordable Modification Program ( HAMP ), ceasing communication during the loss mitigation process, withholding material information regarding the status of the borrower, mishandling of documents, misrepresenting the status of the loan, and making duplicative and unnecessary requests for documents. 
These tactics are employed and designed to intimidate, disstress, and coerce the borrower into an action or inactions that, absent of such tactics, would not have occurred. 
In addition to soliciting a desired result, Bank of America had also solicited government and tax payer funds that, absent these tactics, would not have had cause to be solicited or used. Specifically, Hardest Hit Fund Program ( HHFP ) for borrowers who are active in the loss mitigation process. 
From XXXX XXXX through XXXX XXXX, Bank of America received HHFP Unemployment Assistance monthly installments applied to this home loan mortgage account. On XXXX, XXXX, and again on XXXX XXXX, XXXX, I received the same exact MHA HAMP denial letter from my assigned SPOC which was later determined to be incorrect on an appeal and subsequent escalated cases. This is no coincidence in timing that just so happened to be when the last HHFP Unemployment Assistance monthly installments ended. 
I have repeatedly requested an explanation for the Bank of America repeated representation of borrower ineligible for HHFP assistance while collecting and applying those payments to my home loan mortgage account from XXXX XXXX through XXXX XXXX, but have never received any response from Bank of America and their representatives that addresses my concerns.
I had a XXXX XXXX XXXX XXXX XXXX account that was charged off. I spoke with XXXX XXXX in XXXX of XXXX and agreed to a settlement of {$770.00} to be paid by XXXX XXXX, XXXX. I was told a letter confirming this settlement agreement would be sent out within 10 business days and I went ahead and paid {$150.00} towards this agreement on or around XXXX XXXX, XXXX. On or around XXXX XXXX, XXXX I contacted XXXX XXXX again to inquire as to where the letter confirming our agreement was and that I was hesitant to make payment to them without confirmation of the agreement. I did not receive a letter. 

On XXXX XXXX, XXXX I contact XXXX XXXX  again and told them I was upset that I did not receive the initial letter and that they had made it frustrating to repay my debt. They offered to settle the account for {$650.00} to be paid by XXXX XXXX, XXXX, an amount that is higher than what I originally had remaining to be paid. I request XXXX XXXX  send me a letter confirming this agreement and again raised concerns about not receiving it the previous time. 

I never received the letter and on XXXX XXXX, XXXX I received a letter dated XXXX/XXXX/XXXX from a XXXX XXXX  indicating they had been hired by XXXX XXXX to collect an outstanding balance of {$870.00}. This initial demand letter I believe violates several portions of the FDCPA as does XXXX XXXX 's misleading actions.
This complaint is related to loan modification in XX/XX/XXXX with XXXX XXXX. Due to severe hardships at that time facing foreclosure on my family primary residence, the delinquent interest {$51000.00} on the loan was negotiated and settled with the payment of {$13000.00} as full and final amount. Then a note agreement was issued by XXXX XXXX in XX/XX/XXXX detailing the new payment schedule along with the actual loan amount. There was no mention of {$51000.00} in that note agreement as it was settled with the payment of {$13000.00}. 

Please refer to attachments for proof of payment, XXXX XXXX note agreement and communication with the service provider. 

After this arrangement, the mortgage account was serviced by XXXX  XXXX from XX/XX/XXXX - XX/XX/XXXX and subsequently Select Portfolio Servicing ( SPS ) Inc. is servicing the account from XX/XX/XXXX until now. Both service providers started showing the {$51000.00} as outstanding and added the amount to loan balance which is incorrect. Neither have accounted for the {$13000.00} collected by the predecessor service provider XXXX XXXX. 

Despite my communication to both of them in writing with evidences of payments and the note agreement drawn in XX/XX/XXXX, the matter is unresolved. I want them to remove this figure XXXX pertaining to XXXX interest as it was settled with the payment of {$13000.00} per agreement between me and XXXX XXXX in XX/XX/XXXX. 

The responsible party to this dispute is Select Portfolio Servicing Inc. as XXXX XXXX is no longer handling the mortgage account. 

Thank you.