WillisBack/dataset-financial-user-claim huggingface dataset:
I HAVE BEEN TREATED SO BAD BY THIS CREDIT CARD COMPANY XXXX XXXX XXXX.. I HAVE TRIED TO FILE FRAUD WITH THEM THAT HAD BEEN ON MY CREDIT CARD FOR A WHILE NOW AND THEY WILL NOT HELP ME AT ALL. THEY CLOSED THERE ACCOUNTS AND ARE NO LONGER IN BUSINESS I BELIEVE AND NOW THEY WONT HELP ME AT ALL.. I WAS CHARGED FOR SEVERAL CHARGES ON MY ACCOUNT AND I NEVER AUTHORIZED THESE TRANSACTIONS OR DID BUSINESS WITH THESE SAID COMPANIES. I WAS SPEAKING WITH THE SAID COMPANIES BUT NEVER DID BUSINESS BECAUSE I WAS UNDER THE INFLUENCE AND WAS NOT ABLE TO MAKE THAT DECISION AT THE TIME OF THEM TRYING TO GET ME TO PAY THEM. WELL THEY ENDED UP GETTING MY INFO AND CHARGING MY ACCOUNT WITHOUT MY CONSENT WHICH IS ONE AGAINST THE LAW IF I WAS UNABLE TO MAKE DECISIONS UNDER THE INFLUENCE AND I NEVER AUTHORIZED THESE TRANSACTIONS TO COME OUT OF MY ACCOUNT. THIS IS SENIOR CITIZEN ABUSE AND THIS IS NOT RIGHT. PLEASE HELP ME GET MY MONEY BACK FROM THIS CREDIT CARD COMPANY THAT WILL NOT HELP ME ESPECIALLY NOW THAT THEY ARE GOING OUT OF BUSINESS OR WHATEVER THEY ARE DOING. I LIVE ON A FIXED INCOME AND CAN NOT AFFORD TO PAY FOR THIS CREDIT CARD BILL AND SHOULD NOT HAVE TO IF I NEVER AUTHORIZED ANY OF THESE CHARGES. THANK YOU FOR YOUR TIME IN THIS MATTER
The information on my credit report is wrong. 
I paid all my accounts, I have submitted letters and documents, over the past year, They have done nothing with this. 

They should be made to take this bad information off of my account, he is hurting my life
Td bank refused to report our good credit on mortgage we have had for 18 years they stopped reporting in 2015 we have called many times to ask our payment credit be reported yet they still refuse to report it
It turns out PayPal froze an additional {$3000.00} in cash. They went so far as to REVERSE a bank payout so that they could hold an even more absurd amount of my assets for an extravagant 180 days. Bear in mind that all of these transactions came from verified sources so the have absolutely no right to retain them for so long. there are no verification checks they need to do, no payment confirmations, everything has been approved and they are simply retaining my cash for an absurd amount of time. This is egregious.
I tried to sign up for the XXXX bureau credit monitoring system offered through XXXX website. However, I was unable to complete the transaction due to a block ( notice ) on my Experian report. The notice reads " The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security XXXX ''. When I contacted Experian to fix the issue, they told me nothing could be done. My SSN was issued XX/XX/XXXX. Since XX/XX/XXXX, the Social Security XXXX changed the way they issued SSN to increase security and consumer protection. As such, many companies, including Experian, can no longer validate my SSN. I can not understand why I am being penalized and denied service because a safety featured implemented by SSA. I would like to request that Experian remove this notice from my credit report.
Within the past few months, I have sent several separate letters to Portfolio Recovery Associates asking them to validate two collections they have reported to the three main credit reporting agencies as belonging to myself. In both instances, I have asked for proof of these accounts supposedly belonging to myself by sending copies of the alleged SIGNED CONTRACT between myself and the original creditor. Portfolio Recovery Associates has ignored my repeated requests and simply sent bills. A bill is not what I have requested. I am requesting that Portfolio Recovery Associates send proof that the alleged account belongs to me by sending THE ORIGINAL SIGNED CONTRACT or have it deleted from my consumer report by contacting the three major credit agencies they have reported it to. Portfolio Recovery Associates has a history of using illegal tactics and also has several lawsuits filed against them already. I will not hesitate to follow suit. I have a legal right to see a copy of the SIGNED CONTRACT WITH THE ORIGINAL LENDER and I am demanding to see that. The legal burden of proof requires at least a copy of the contract signed with the original company when this credit card was supposedly accepted, and it's the collector 's burden of proof to produce it. Portfolio Recovery must show a SIGNED CONTRACT or delete this collection account from my credit report with all three of the credit  reporting agencies.
I have just recent applied for credit and was told I had a negative collection on my credit report, since I just turn XXXX in XX/XX/2018 I have had not credit or collection prior to this, so I am disputing this collection account, I will be requesting that the collection agency supply to me a signed contract by my to pay any bill, I will also fall back on FCRA that clearly state that a minor cant be held liable for any debt, even after turning XXXX, I wont state the statue cause collection company should know these laws, so if you don't have a contract signed by me after XX/XX/2018 then there is no debt, I will proceed to file in court and sue for hurting my credit before im even legal to establish it,
On XX/XX/XXXX I noticed on XXXX XXXX that XXXX had reported my closed account as being late. That same day I contacted XXXX and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that XXXX would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted XXXX again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles.

To this day the account is still reporting to the credit bureaus as 30 days past due.
The end of XX/XX/XXXX not sure of exact date the manager of Excel finance in XXXX XXXX Louisiana called my job every five minutes harassing me about payment.my manager got mad and told me the personal calls needed to stop.one hour later I'm working and the manager of Excel came into my job and began to talk about my account in front of everyone walking around customers and other employees.she began to tell me if I didn't pay her today she would have to go forth with suit and if I was embarrassed by her showing up on my job just wait until the XXXX 's serve me on my job.i was so humiliated and embarrassed people were looking at me and hearing all of my business my manager later came to me after she left and told me had he not felt so bad about my situation I would have been fired because my personal business should not be conflicting with my job.she almost cost me my job.they are still calling me on my job after repeated requests to not call anymore.i do not want to be contacted by them anymore.they have harassed me and violated my rights.i called the corporate office to report the issue and the lady said she would send the information to the supervisor and I asked will I get a call back and she said for what.what are you trying to achieve. I said my rights were violated do you not understand the severity of this your company violated my rights and you can be sued so no one 's going to call me back to deal with this issue or talk to me about this issue she began to say for what I told her okay well I'm going to go ahead and file my complaint she said it's your right do what you need to do I will give you the number and everything you need to file your complaint.
XXXX is fraudulent claiming to represent an alleged mortgagee and investor that has held a foreclosure by advertisement sale on my property. I have submitted qualified written request to XXXX and have submitted complaints against XXXX and they continue to move forward without response or remorse.
I have been trying to Modify my mortgage for 5 years with Nationstar, I have submitted several completed applications packages over the years and each time they drug their feet for months reviewing the applications, never telling me what was happening unless I called to check up on things only to find out that they took so long doing this that some of the paperwork according to them had " expired '', they requested that I resubmit or redo or update certain parts of the file but after submitting again and agin and again they just drug their feet until they would finally request another full file, this process could take up to a year! in the meantime I sit in foreclosure wondering when I would lose my house. They tried to foreclose on the house a few times but we just kept re submitting paperwork and new files. I would call repeatedly only to talk to some horrible person who was very unwilling to help and when I got upset with them for dragging their feet once they thought they put me on hold and I heard the customer service girl say out loud while laughing " Can you believe this stupid white boy? '' I told her I was recording the call and she hung up immediately.. 
They never answered for this deliberate XXXX remark and it was obvious at that time to me that they were doing this to me on purpose.. 
It has been 5 years of battle and after a horrible divorce this is all my kids and I have left.. 
Nothing has changed with my employment the whole time but recently they approved a modification and put my payments at {$2300.00} a month and % 10 intrest from the original {$1200.00} a month and an extra {$200.00} tacked onto my mortgage because of all the back payments and fees! Why all the sudden would they approve the Mod when NOTHING has changed???? 
This is a strategy they use to XXXX people out of their homes. my house is unaffordable now and would never sell for how much they have scammed me out of.
Freedom mortgage took over my loan with XXXX mortgage in XXXX 2015. Ever since this happened I have been short in escrow they failed to take out enough to cover the costs for my property tax. In XXXX 2015 I noticed they did n't pay the first installment for {$620.00} so I went to pay it at the county clerks office in XXXX california. Since then I have been waiting for a refund they promised to return. There customer service is terrible I tried speaking to a manager was on the line for over 40 minutes then call got disconnected. I have receipts and certified copys I sent out still have n't received nothing.
I had sent CMRE financial a debt validation letter, because my insurance company had assured me this bill was paid, and CMRE was looking to collect this debt. CMRE returned to me a one page letter, with my name, account number, and a balance. I tried to contact the hospital to get some closure on this, and they said, since it was in collection, I had to deal with CMRE. This letter from CMRE obviously offers no help in finding out the details of this bill ( debt ). Not getting any satisfaction from CMRE, I filed a complaint with CFPB. 
Low and behold after I complained to CFPB, CMRE sent me some sort of billing statement. This bill was like no bill I had ever seen. It had not mention or logo of the hospital on it. It looked like it was typed up by any kid on a computer. From what I can decipher, there were charges, payments, payment reversals, but no where on there was the word totals or a total amount due. No past due amount-NOTHING! There is no way this can be considered a valid verification of the debt. On my last complaint I did not check for the CFPB to publish my complaint, because I was hoping the company would remove this from my credit report, and that would be the end of it. But not this time. I want the company to understand that I will continue to complain until this gets resolved. Please note that in 2014 I was diagnosed with stage 4 XXXX XXXX and have generated tens of thousands of dollars in medicals bills which my insurance company has paid. Please check my credit report. I do n't understand why this one out of hundreds of bills is haunting me.
Fifth third bank reported the wrong amount owed on my mortgage, of {$260000.00} approx. then a few months later the reported the correct amount of XXXX approx. which dropped my scores by XXXXpoints. They did a modification on my mortgage and I am only paying interest on XXXX.
have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX   XXXX XXXX XXXX California XXXX # XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}
I have been requesting XXXX to unlock my account for over a year. I am unable to manahe my loans. I complained at CFPB and XXXX promised they would unlock ot. Yet my account still remains locked, and XXXX does not reply to my mails.
I was having hardship in paying my loan off and was offered a forbearance option twice not really understanding that it would increase my loan even more. I do n't remember ever being given the option of and income driven based option. I would very much like to see if this would work better for me. I have a direct subsidized/unsubsidized XXXX loan. I graduated with a XXXX degree. I saw on the federal website that the interest rates for undergraduates should be about 3.7 % and unsubsidized graduates should be about 5.31 %. I am not understanding why my interest rate is about 6.9 % for unsubsidized direct XXXX loan. Is this due to the forbearances? Just need clearer understanding of what is going on. I am not a XXXX student and have no desire to get a XXXX degree.
I was not the owner of this property for the year listed on the Tax Lien according to the XXXX County, Board of Assessors. ( See attached ) This Lien is a non issue with XXXX and XXXX but I ca n't clear it up with Transunion.
XXXX mortgage company has reported that the mortgage on our home is " due '' and delinquent for {$990000.00} -- - which is the mortgage on our home. We have a 15 year mortgage with this loan. We have been in dispute with the mortgage company for over a year now because the mortgage company has " misapplied '' funds that we paid into the mortgage and first placed them in " unapplied funds '' and then placed them in principle when they should have been placed in " escrow '' to pay the taxes. It has all been documented and shows how we have paid our mortgage " on time '' every month but when the money was received, it was applied to the wrong area. In the meanwhile, the escrow account was deficient by the same or similar amount as the " unapplied funds '' had overage. The credit report should have looked at the account before reporting that such a large debt was due. My personal credit AND my business credit is so low that I was not even able to apply for a business car loan. My past credit scores have always been in the XXXX 's and XXXX 's. This is not " usual '' of my character to have a " ding '' on my credit like this. Since the credit scores went so low, my business is unable to be approved by XXXX separate government contracts. Thus, I have been personally and financially harmed from the credit bureau 's lack of adequate review into my credit history.
On XX/XX/2018 I received notice from XXXX, via credit alert, that Waypoint Resource Group had put an account in collections under XXXX XXXX ( which I have never had service ). I had not received written notification of this debt, nor my rights as a consumer, including the amount they alleged that I owed, who the original creditor was/is, or information about what I can do if I think I do not owe the debt. 

Subsequently, on XX/XX/2018, I sent them a letter notifying them that this lack of notification violated 15 U.S.C. 1681 ( 2 ) of the FCRA. I also asked for validation of the account pursuant to 15 USC 1692 ( g ).  The letter asked them to cease collection activity immediately. 

Waypoint did not cease collection activities. They did responded on XX/XX/2018 but did not respond with proper notification, nor any validation of the debt. 

They updated the account status as having been " disputed ''. However, this was delinquent. ( 30 days after receiving notification of dispute ). Waypoint acknowledged that they could not validate the debt, however collection efforts continue
I contacted Ditech Financial several months ago to have the PMI removed from my loan. I meet all the requirements to have it removed and have given proper notification to this company several times for months. They are neglecting to get back to me in any sort of timely manner. When my wife contacted the company last week ( again ) the company representative was at a loss why we have n't been contacted to get the process started. She also informed my wife she would get back to us with an update or something, but again, just another way for this company to blow off its customer. Time and time again this company neglects our requests to manage my loan. I 'm retired from the XXXX and am really trying to save as much money as I can. I have met all the necessary requirements to have this additional fee removed from my loan but Ditech will not assist me in any way, shape or form. I want to report this poor excuse of a company to the proper Agency and hope to get a resolution ASAP,
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX, account number XXXX ; 3. ) XXXX, account number XXXX 4. ) XXXX, account number XXXX 5. ) XXXX XXXX, account number XXXX 6. ) XXXX XXXX XXXX XXXX XXXX, account number XXXX ; 7. ) XXXX   XXXX, account number XXXX ; 8. )  XXXX XXXX XXXX, account number XXXX ; 9. ) XXXX, account number XXXX ; 10. ) Bankruptcy, case number XXXX ; 11. ) Bankruptcy, case number XXXX ; 12. ) Bankruptcy, case number XXXX ; 13. ) Bankruptcy, case number XXXX 14. ) Federal Tax Lien, {$170000.00} Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
In XX/XX/2018 I requested, and I asked for Validation of the debt. Portfolio Recovery Associate have ignored numerous attempts to properly and legally validate the account. Portfolio Recovery Associates has reported delinquent information to the credit bureaus, I am demanding that this information be deleted from XXXX, XXXX and XXXX. I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done Business with this company. I want this removed from all 3 credit bureaus files. No validation has ever been received by the credit bureaus for proof of this. I sent letters to Portfolio Recovery Associate in response to a notice sent to me. My notices were sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809b that I disputed their claim and requested validation.

My letters were not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named, Title and Section. I respectfully requested that Portfolio Recovery Associate provide me with competent evidence that I have any legal obligation to pay them. 
I asked for and as required by law to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

I never received a copy of a signed contract as required by law. This company in which I hold no contract with nor have received services. This business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I DEMAND they remove the marks from my credit reports XXXX, XXXX and XXXX. Portfolio Recovery Associate placed these marks on my file before any proper validation was confirmed.