WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX I made my auto loan payment in branch for Wells Fargo Dealer Services. I made my regular payment of {$250.00}, and an additional principal payment of {$1200.00}. When I received my XXXX statement, they had made 4 monthly payments instead of crediting my principal. I called on XXXX XXXX to the call center at XXXX to have my payment properly posted and was told it would take 3 days to complete. When I checked my balance on line on XXXX XXXX it had still been applied improperly. So I called again on XXXXand spoke with a XXXX who stated that he would get it corrected. On XXXX/XXXX/XXXX I checked my account again and it was mis applied once again and now showing that I owed a balance of {$28.00}. So I went into my local Wells Fargo Branch where they called in and spoke with someone who said it again would be corrected in 3 days. In the mean time, I made my XXXX payment of {$250.00} on line on XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX I made an additional principal payment of {$300.00}. When I received what should have been my XXXX Statement, they are now showing I have a past due balance of {$28.00}, Due on XXXX/XXXX/XXXX ( Statement date is XXXX/XXXX/XXXX ) with a late charge of XXXX due. SO on Friday, XXXX/XXXX/XXXX I called again and spoke with someone by the name of XXXX XXXX, who stated she was a supervisor and would get my account corrected and call me on XXXX/XXXX/XXXX. Not only did I not receive a call back, but I have now started to receive collection calls. When I called in this morning, no one could get me back to XXXX XXXX, in fact a " supervisor '' there gave me a phone number for her of XXXX which has been disconnected. And then proceeded to tell me my account is past due 25 days and if I dont pay them they will report this on my credit. All I have done is make my regular payments on time, and attempt to pay down my principal balance, which they are impeding and making my account past due with their " correction '' errors. Can someone please help me get this resolved before my credit gets impated over their inability to properly post payments? I tried to call another number and all they said was that they would send " XXXX XXXX '' an email to call me.
This debt has been showing up on my credit report for few years now. I talked to someone representing this company ( XXXX ) few years ago and even had everything clarified. But, I believe 2 years ago maybe, the innacurate information showed up on my credit report again. If I remember correctly, it was a computer wich was paid for with a personal check with my name printed on it. After 4 days it was returned with receipt. But we did n't get a refund at that time. We were told that we would have to wait another week because it was paid by check allegedely, so the check had to clear with their bank to get a back. So XXXX got their product back and decided to report us for years as thiefes? In fact i think maybe they owe us close to {$700.00}. I am a XXXX XXXX and I have been discriminated because I cant run around or call all day to find out what happend.. I think XXXX of their own employees stole my refund,
I have provided written disputes with L.J. Ross collection agency on three different occasions requesting validation of alleged medical debt from XXXXXXXX XXXX XXXXXXXX of {$98.00} and {$140.00} on my XXXX, XXXX and XXXX credit reports. I was never sent validation of any contracts, signatures or copies identification card. I was sent details of hospital bills only. These are not my debts and are not associated with me. This is a violation of the Fair credit Reporting Act and Fair Debt collection Practices act for failure to validate any of the alleged debts. I am requesting these debt be deleted from each credit reporting bureau. I also have all written communication betweenL.J.Ross and I.
I am frustrated Ad Astra Recovery Services because they continuously to report inaccurate information to the credit bureaus. I also have been disputing this inaccurate information for well over a year now and Ad Astra Recovery Services fail to delete this incorrect account from my credit report. Ad Astra Recovery Services also did not report this account to the credit bureaus as a disputed account, and that is a FDCPA violation and thats in FDCPA section 807 ( 8 ).
Midland funding was XXXX company to buy bad debt, there legal agreement purchase was signed on XX/XX/XXXX13.There paper has many dates on it looks like a roto copy but no signature until XXXX/XXXX/13 Midland turned me into the credit bureau on XXXX/XXXX/13. They did not wait to send me a notice or to verify the account was mine. They also filed a judgement against me and I was never notify they where going to sue me until i was served
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization.
I signed up with XXXX University on line. Told my student advisor I was XXXX and suffered XXXX. Was not sure if i could handle the pace. XXXX XXXX, Advisor, told me verbatim, " No worries, if you find you ca n't handle the program you may quit any time and only owe for the time in the program ''. I was on line 3 weeks and emailed her it was too much. She replied, " Okay, i will put you in for a resubmit for next semester '' I told her, " NO! i do not want to continue '', she resigned me any way and now they have been trying to collect for 2 full semesters. I am on XXXX and barely paying my living expenses, I can not repay this loan, and I feel I owe then nothing, period!!
I have received attached collection letter. 

Hereby I attach my letter of XXXX of the alleged debt.
On XX/XX/17 I used a 0 interest for 6 months offer from Wells Fargo and deposited {$4000.00} in my account to purchase a car. I have been charged huge account fees and interest rate when the offer was for 0 interest. I complaint 3 times and I asked for a statement that shows how the interested was calculated. All 3 times I was denied of the statement and an account representative said that the offer expired in XX/XX/XXXX. 

The 0 % interest offer was for 6 months and not for two weeks. Please instruct Wells Fargo to comply with my request for a statement that shows how the fees and interest was calculated. 

Thank you!
XXXX is illegally reporting false information about me on my credit report. They are alleging that I owe a balance but when I attempted to contact them and resolve whatever claim they had, they refused to take any payment from me. I checked my report in XX/XX/2017 and XXXX is still reporting that I owe a balance. I need to have this account removed from my record immediately as it is affecting my credit in an egregious manner. XXXX appears to have no interest in complying with the Fair Credit Reporting Act or the Fair Debt Collection Practices Act as I have previously contact them requesting proof of this debt numerous times and have not received any documentation or validation to date and they are refusing to accept payment from me but want to report delinquent information about me to the credit bureaus. They are also falsely claiming that I recently paid them {$110.00} which is also completely false and inaccurate.
XX/XX/XXXX diversified consultants reported as COLLECTIONS on my credit report for XXXX for {$210.00}. I only became aware of this by viewing my credit report. XXXX was charging me for invalid charges and talked to them several times on the phone to get it resolved and finally had to go to one of there locations at XXXX XXXX XXXX XXXX # XXXX XXXX , XXXX XXXX to get it resolved. They got it resolved and said if I owed anything it would be a couple of dollars and i would receive a bill if so. I never received a bill, a phone call or any type of notification. It was n't until I seen it on my credit report on XX/XX/XXXX and called diversified consultants and XXXX to get resolved once again. I paid diversified consultants immediately the {$9.00} & some change and told the gentleman I was on the phone with that I NEVER was made aware that I owed this {$9.00} & change or I would have paid for it and to please remove it from my credit. He advised me I had to call XXXX. I called XXXX and they said I had to call diversified consultants, so it was a back & forth game.
I applied for a modification XXXX XXXX. I had a NSF which terminated the modification in XXXX XXXX. I attempted to pay a mortgage payment, the payment was denied. I was informed by the mortgage co, I needed to pay the pass due amounts. When I questioned where was the monies I paid during the time I was in the modification, I never received a clear understanding of what the monies were applied to. I was advised that I could apply for another modification, only to find out that, that modification was denied also, reasoning was you can only apply for a modification once every 2 years. I applied for my 401k to payment my mortgage payments. The first request was denied from my 401k, because I needed to request a form from the mortgage company which I did. The 401k request took time and the mortgage co was made aware of my every attempt to pay my debt. Now I have the money to pay to debt from the letter the mortgage co sent me, the debt is outstanding now, because more fees have accrued. I feel discriminated against.
On XX/XX/2017, my attorney wrote a letter to Lakeview Loan Servicing , LLC requesting the name of the new creditor/owner of my mortgage loan pursuant to 15 U.S. Code Section 1641 ( g ) ( 1 ) because it was securitized through a  Government National Mortgage Association. Lakeview Loan Servicing , LLC owns only the master servicing rights to my loan. XXXX XXXX XXXX XXXX  services my loan. Lakeview Loan Servicing , LLC wrote a letter of response onXX/XX/2017, and stated the following below in paragraph four : The note holder for these securities is not known to the public or to us.
TransUnion is reporting a Bankruptcy on my report. The courts do not verify that information. That information is pulled from a third party reporting. Therefore it needs to be deleted.
Hello We are in desperate need of help with our mortgage servicer. The name of the company is Seterus. We feel this company continue to treat their clients unfairly. They have continued to do so, because no one is holding them accountable. If you look at their reviews from every site, the reviews are terrible and the stories are very sad. This company places your funds into an suspense account and make up ridiculous fees in order to apply the funds to it. They keep applying an NSF fee, which we took care of months ago. Then there is property inspection fees even when your loan is current. They also state the loan is past due or not current, it's like when you pay the amount they say is due, they find ways to say even more funds are needed. We have called several times to get an explanation of fees and how they apply extra funds. Each and every time, the call last at least an hour. The representatives have never been able to give us a clear explanation of fees/overages. They place you on hold for extended periods of time then transfer you to another rep, who is unable to explain fees or answer questions. 
[ We have spent months looking at their reviews and again, it breaks my heart how this company is behaving. This prompt me to file a XXXX case, which is still somewhat open. Seterus response was that they are not doing anything unethical ... ... Even the report they provided is unclear regarding fees. A customer relations rep, XXXX XXXX responded to XXXX, denying allegations. My response back to XXXX, was why should we believe her, when her voicemail greeting states she will be back in the office on XX/XX/XXXX, we are currently inXX/XX/2018. Why haven't her manager held her accountable regarding voicemail greeting. After bringing it to the XXXX attention, Ms. XXXX updated her voicemail greeting, but I was able to allow several people to listen to voicemail greeting as proof. We even told the company they could possibly feel the wraft of government officials and appear before XXXX XXXX, but they continue to deceive customers. 
Again, we know you along with your staff is very very very busy, but please please please help us with this matter. If you can not help, please please please point us in the right direction to get some help for us and many others being BULLIED by this company. 
Thank you
I got divorced in XX/XX/XXXX, so I had a reduction on income and had a Loan Modification around XX/XX/XXXX, through Select Portfolio Servicing. My interest Rate was at a non-fixed rate, so they fixed it at 8.75 %. They also reduced my payment by {$400.00} while they were doing the Loan Mod. A couple months later when they fixed my interest rate, they said that's all they could do to help my payment went back up to the Regular amount it was before I called about a Loan Mod. They reported me to the Credit Bureau as late during those 3 trial months of the Loan Mod. I have noticed that only around {$35.00} a month was going toward my principal each month, so a couple months ago I called them to get a amortization Schedule to see when more would go on the principal. I purchased the house in XX/XX/XXXX for {$150000.00} now in XX/XX/XXXX .... 12 years later I still owe {$140000.00}. I knew something wasn't right. The person I spoke with at Select Portfolio told me they couldn't give me an amortization schedule because I was on a Balloon Payment and they I better hurry and start making extra payment because I will still owe around {$100000.00} at the end of my 30 year note! I told them I never would have agreed to something like that and the home mod was suppose to be helping me, how was that helping me?! I asked for them to send me paperwork stating all of this and they still haven't sent me anything, that's been a few months ago now .... I am confused and feel I need to sell my house to get out from under this terrible scam they are doing. I need help.
Phillips & Cohen Associates , Ltd / XXXX XXXX XXXX has consistently reported erroneous Acct. # XXXX for the amount of {$860.00} on my credit profile for a credit card debt I do not owe. They must delete it from my credit profile with deliberate speed. 

Thank you!
There is an open collection account on my credit report from AFNI on behalf of XXXX. This debt was discharged in my bankruptcy. The note in the collection account listing even reflects chapter XXXX bankruptcy but the collection account is still showing open when it should have been removed 5 years ago.
American express denied me a credit card not because I did n't qualify for it but because their fraud prevention unit located in XXXX said I could n't prove to their satisfaction that I am actually me and that my post office box which has been my American Express mailing address was not my real adress but a fraudulent XXXX. Becuause of this denial my credit rating will be negatively affected. Amex said they could not help me until I had a paper credit report showing my ratingwas changed. Amex admitted their mistake but said they could n't fix it. I need help in fixing this and obtaining the card I, would have received if XXXX had n't mistakenly cancelled my application.
I sent a letter to transunion from the bankruptcy court in regard to a bankruptcy reporting on my credit report stating that they dont give our public record to the credits bureau. In response to the dispute transunion sent me a letter stating that the information was inconclusive from what the letter state
Equifax Confirmation number : XXXX Fax Letter dispute, sent notarized certified dispute letter to Equifax on XXXX XXXX, XXXX, Tracking # XXXX via USPS. Asking company to validate not verify inaccurate items on my credit report. Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. If a credit bureaus, collection agencies or creditors can not prove the account or inquiry is my account in a timely manner ( 30-45 business days ) the account must be removed from my credit report. That means provide me with physical documents with your signature. 
1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, make inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 
2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 
3. Provide a full accounting : Every charge, payment, fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed.
I first contacted XXXX on XXXX/XXXX/XXXX regarding a letter I received from them stating I had an account that was past due in the amount of {$1500.00}. I formally put them on notice I was disputing this claim and requested validation of debt. The first letter I sent was sent certified XXXX XXXX XXXX XXXX XXXX XXXX ) with signature required. The letter was delivered and signed for on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, 30 days after XXXX signed for my letter, I obtained a new copy of my credit report and noticed they did not furnish the three ( 3 ) major credit bureaus with the required disclosure, within the period required by law. As required by law, a creditor must place a " notice of dispute '' on an account within 30 days of dispute, as such, they have violated FCRA Section 623 ( a ) ( 3 ) and/or FDCPA Section 8079 ( 8 ) by not placing the disclosure within the required 30-day time period. I received no reply from XXXX to my first letter and to date, my most recent credit report dated, XXXX/XXXX/XXXX still shows that XXXX has not marked this trade line as disputed with the credit reporting agencies, a clear violation as mentioned above. 

I followed up with a second letter dated XXXX/XXXX/XXXX after receiving a letter stating that I had an account that was past due in the amount of {$10000.00}, almost one year after my first letter was sent to XXXX  requesting debt validation. My second letter was also sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) and was delivered on XXXX/XXXX/XXXX. I once again requested debt validation in my letter and noted that my credit report has been negatively affected because of this reporting and they have continued to fail to provide competent evidence validating this debt with my signature. 

On XXXX/XXXX/XXXX, I received a letter from XXXX stating they were including a signed contractual agreement and payment history report. The " contractual agreement '' I received did not have my signature on it, only my name typed in the signature line, dated XXXX/XXXX/XXXX. 

Finally, I sent a certified letter to XXXX XXXX XXXX on XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX ), putting them on notice that the address furnished by XXXX on my credit report was inaccurate data as they provided a false address to reach them. It was only after my own research I was able to track down their correct address to begin mailing correspondences. XXXX to date has not acknowledged my complaint of this violation however, XXXX has updated their address with the correct one on subsequent credit reports. 

I continue to request and ask that since this debt can not be validated, this trade line be removed from my credit report and this creditor and the credit reporting agencies be held accountable to their clear violation of both the FCRA and FDCPA. 

Should you require any further information, please do not hesitate to contact me
Last year I went looking at open houses and had no intention of buying a home. 
I have never inquired about a loan or gave my social security number but somehow it was obtained by a leader at the place I was working at and had to quit because I got an injury. That same month I got a call on a phone that only work had by a man who claimed to be a Sheriff with XXXX County Sheriff Department and told me he was told I was an XXXX XXXX. This leader name was XXXX XXXX. Suddenly I was getting calls on the phone from lenders. They claimed I filled out applications for mortgages which I never did and XXXX XXXX wife worked in a rental office where she was able to run credits inquires on anyone. I found this XXXX/quicken Inquiry from XX/XX/2017 I never applied to them I called them and they refused to remove my name. All my homes I have ever bought I paid cash for or my first home I paid off the mortgage in 15 years and lived there for 26 years. I turned off all my credit cards after my husband died. I know my ID was stolen and it's now on the black web.
We refinanced our loan in XXXX 2015, with XXXX XXXX XXXX XXXX XXXX Loan # XXXX. Our loan was sold to Nationstar Mortgage LLC effective XXXX XXXX, 2015, loan # XXXX. At the time our loan was transferred to Nationstar, per the letter their was a transferred escrow amount of {$1600.00}. Nationstar states they only received {$1.00} from XXXX XXXX from the transfer of the account. In the meantime, my homeowners insurance has expired because no one sent payment. And the {$1600.00} escrow account of my funds is missing. No one can tell me where the funds have been applied and why they are not in my current escrow account.
Received duplicate billing for same month. Suspect, in that I pay a month in advance. New home built and mortgage sold to Wells Fargo. Payed first mortgage payment on XX/XX/2018 with check # XXXX for payment due XX/XX/2018. Payed second mortgage payment on XX/XX/2018 with check # XXXX for payment due on XX/XX/2018. Payed third mortgage payment on XX/XX/2018 with check # XXXX for payment due on XX/XX/2018. Payed fourth mortgage payment on XX/XX/2018 with check # XXXX for payment due on XX/XX/2018. Then received a duplicate bill for mortgage due on XX/XX/2018 on XX/XX/2018. I  received another bill for mortgage due on XX/XX/2018 on XX/XX/2018 and opened both. I immediately called Wells Fargo Home Mortgage at XXXX ( on XX/XX/2018 at XXXX XXXX  ) and ended up talking to three individuals the last named XXXX XXXX from " The Presidents Office '' whom became so defensive that he interrupted me 4 times and became crass I hung up. I requested, multiple times, he explain to me why I received duplicate bills when I pay a month in advance and that this action on the part of Wells Fargo is unacceptable. Mr. XXXX would not address the issue at any point nor provided an explanation.