WillisBack/dataset-financial-user-claim huggingface dataset:
For the past month I have been in constant contact with XXXX from XXXX XXXX XXXX. I explained to XXXX as well as two of his managers that this debt was incorrect due to me paying it off. XXXX then proceeded to tell me I owed over {$2000.00}. I again explained that this debt was incorrect. I also told XXXX to stop calling me as well as sent a cease and desist letter to his company. He then threatened me with legal actions stating that their law department wouldn't be as nice as he was. 

XXXX then proceeded to call me three more times since then. On the third time,XX/XX/XXXX, I asked them to provide information that showed that this was my account, mainly a signature or some type of agreement. They lied and said they had that documentation and it was my account because they had everything. They proceeded to send me multiple bills all with my name along with the WRONG address. They never sent me the documents I requested and never did their due diligence of proving that they were indeed contacting the right person. I explained that this was not my address and I have not lived there in over 8 years so it was impossible for me to have opened that account ( this account was opened 3 years ago ). 

I continuously stood my ground while they took turns asking me questions like " why did you stop paying? '' " Did you lose your job? '' " Did you have a baby? '' Each time I explained that this was not my debt and that was not my address. They then asked me why I didn't update my account so they bank could get in contact with me. I'm not sure what was going on on their end but I have never been harassed so much by a company in my life. If the information is incorrect and I can show documentation of my address which will show that this is not my account, why not due research to see if maybe there was an error or maybe even identity theft? Either way this line of questioning continued for 30 minutes and it resulted in the manager threatening me with legal actions over an account thats not mine! Unbelievable!
In late XXXX, I sent an investigation request to Experian, asking them to investigate errors on my report. They were supposed to respond within 30 days. Well over two months have passed, and I have yet to receive a response. They have also ignored my follow-up letters.
I found a collection on my credit report at XXXX. 
I was never contacted by mail, email or phone to be informed that there is a debt. 
I was not contacted by original creditor that a debt exists, no invoice sent and no details on nature of debt. 
Collector failed to notify me with debt as per act of fair debt collection. 
I was not informed that there is an action to be taken. 
I requested details and provided contacts information. 
I contacted original creditor and they informed me that account is closed and there are no outstanding. 
i didnt receive details and collector offered to pay 40 % and close the debt. 
I Communicated in written email to collection inquiring details of debts and proof of debt. 
Collector failed to deliver details in 30 days after 48 days from sending the request i received bills with the following problems : 1- documents showing my signature as a guarantor to a different company other than the one requesting collection.

2- the bills provided showing as collected from bank and original creditor had blank check and had access to deposit or withdraw 3- summary for months in debt had no support and no bills showing the amounts claimed. 

I raised a dispute at XXXX and they propose to raise a claim at your site. 
collector asking for collection of 50 % without providing evidence of original debt is considered as a harrasment trying to push me to pay any amount to get rid of issue. 
using a different guarantor form other than the legal name shown on original collector is a fraud in using my information and claimig that they followed act of fair debt collection,
I had an error in the reporting of an account type, and additional related details of my loan account. I have filed at least  4  disputes to try and correct this issue, each time the dispute is considered " resolved '' with nothing changing and no reason for lack of change. I faxed a bank statement indicating account type, and a comparison of the output credit report showing the differences between the same account between Transunion and another bureau on   XXXX    I called many additional times to both the bank and Transunion with no resolve. On   XXXX     I spoke with  XXXX  a  (   XXXX  in the Special Handling Department  )  and she stated that the faxed documentation she received did not provide enough support to change the account type. I asked why the Banks own Statement indicating account type of " HELOC '' was not sufficient. She stated " we can not tell you that it is proprietary. '' How is a consumer supposed to meet some " proprietary definition of proof '' when it can not be told to them.  XXXX  and Transunion show no willingness to help the consumer and go remotely out of their way to protect the consumers credit standing. Transunion needs to truly resolve this issue instead of faking it by closing disputes without even considering the information a customer submits.
XXXX XXXX  is reporting that I owe a debt of {$160.00} to XXXX XXXX XXXX. I do not owe XXXX a balance of {$160.00} and I have never owed a balance of {$160.00} to XXXX. I have reported this issue to the State Insurance board and they contacted XXXX regarding the debt. A representative from XXXX sent myself and a state a letter in writing acknowledging the error. They have since submitted a notice to XXXX XXXX notifying them that I never owed a balance of {$160.00}. XXXX XXXX has received this notice and is continuing to report false information after being updated by the original creditor. The incorrect reporting of this debt is violating the FCRA and Georgia state laws. If XXXX XXXX does not remove this debt of {$160.00} I will be forced to pursue legal action against the company.
the credit card is not my -THD/CBNA XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX NV XXXX
I was issued XXXX XXXX Debit card ending in XXXX which happened to be a fake one, not associated to me records. I turned this fake fraudulent card to a bank in XXXX at XXXX XXXX The real debit card end in XXXX has been used for over 150 transaction without my authorization or consent. My case was denied because they say I authorized this transaction which impossible because I never had that card ending in XXXX. 

They have been un willing to connect to explain or reasoning for this arbitrary decision. This effects my credit and my identity. 

Wells Fargo also seem very un concerned that the fake debit card I returned was an issue. 

I would like my case to approved in a more timely manner and Wells Fargo held accountable.
A company by the name of Integrated Recovery Services, with a business address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, has contacted me and my place of employment several times a day for the past 2 days (XX/XX/XXXX & XXXX, 2017 ). I returned their telephone calls on multiple occasions telling them that I do not want them calling my employment, and they told me that it was " automated '' and " too bad ''. The automated message leaves a " sketchy '' message about trying to locate me, and wanting verification of a current address, wages, and my liquidated assets. Quite intimidating, and quite ridiculous when you know that they are a scam business that buys old debt for pennies on the dollar, and try to scare you into thinking that they are attorney 's and are going to send you to jail. I am aware of the old debt that they bought. However, I do not want them calling my employment, which I am allowed to have stopped, and they refuse. They are " bullies ''. If they try to pull their antics on naive or older people, they may just scare them enough to hand over their account numbers. I know that they have had many complaints filed against them, and it would appear it does nothing to stop them. They also told me they would contact everyone I know, because they can. And that " they are NOT going away ''. They have hung up on me 4 times, and immediately called my work and phone again, with the automated message. This " business '' needs to be handled accordingly.
XX/XX/XXXX I received a credit alert stating that credit acceptance reported on my XXXX account XX/XX/XXXX. This account has been paid on time and closed since XX/XX/XXXX. Why is Credit Acceptance changing the status of an account thats XXXXyrs old? This is in direct violation of the Fair Credit Reporting Act.
Navient violated my consumer right by contacting a non relative and giving information to them where I work and if I was related to this third party. Under The Fair Debt Collection Practices Act ( FDCPA ) expressly regulates calls to third parties in 15 U.S.C. 1692b ( 3 ), stating that a debt collector shall not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. the debt collector which is navient has my contact information and should not be contacting anyone or giving my personal information out to non relative I have screen shot of them giving my information out with a reference # to this third party I am getting a attorney to lookat this case.
I am filing a complaint against all XXXX credit bureau for on authorize inquiries and wrong Social Security number that is reported on my credit my last # XXXX they have reported # XXXX
XXXX [ [ Reference to my property located at XXXX XXXX XXXX. XXXX, NC XXXXLoan # XXXX Serviced by Select Portfolio Servicing. Relationship. 
Person of Contact is XXXX XXXX, Relationship Manager, XXXX Extension XXXX. 
His email is XXXXXXXXTry and try again to contact him. Good Luck!. I have NOT been able to contact him. 
***************************************************************************************************This is concerning the papers I sign for the Deed-In-Lieu. I sign XXXX different pages and was given copies of all pages NOT sign by me. I met a Notary Public in XXXX, NC. 
Met at XXXX off XXXX XXXX on Saturday XXXX XXXX, 2015. Ever since that day, I have requested a copy of the pages I sign and I have received NO response from anyone. Emails to XXXX XXXX were sent in multiple days. Last email sent was just before XXXX. I have copies of other attempts to contact dated XXXX XXXX, XXXX XXXX, and others. I have made more than XXXX calls to SPS and it is a joke. I made sure that the conversations were recorded. 
It seems that SPS and the staff have no real desire to finish what they started.!!!!!!!!!!!!!!! 



I signed the Deed-In-Lieu paper
XXXX XXXX XX/XX/XXXX 2017 {$1700.00} I have never enrolled in this school. I have tried to contact them on the matter with little to no information, I have also filed disputes and still nothing. I called the XXXX and started another dispute and now Im waiting. I had started receiving emails from them but had no idea of what they were talking about and the emails just kept coming.
I have contacted Transunion on multiple occasions to remove a tax lien on my account that does not conform to the new standards put into place on XX/XX/XXXX.  They refuse to remove the tax lien even though the other two credit agencies have removed it. The tax lien is listed below : Tax Lien Reported onXX/XX/XXXX- {$7300.00} Paid Overview Reference Number - XXXX Date Filed Reported on - XX/XX/XXXX Classification Lien Responsibility - Individual According to the new guidelines, established by a class action lawsuit brought against the credit agencies, they must have the person 's date of birth and/or social security with the consumer 's address in the tax lien filing. Transunion will not comply with the new ruling. Please investigate them. XXXX XXXX XXXX
I purchased an XXXX XXXX XXXX ( VIN # XXXX ) from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, on XX/XX/XXXX. The car was financed for approximately {$26000.00} by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX VA, XXXX, Phone : XXXX. The monthly payment for the car is {$600.00}. Currently, the amount due on the car is {$1500.00}. The car payment became behind effective XX/XX/XXXX. The car was repossessed by XXXX XXXX XXXX without warning or compromise on XX/XX/XXXX. I contacted the contact several times on XX/XX/XXXX to make financial arrangements to retrieve the vehicle. I was informed that {$2500.00} in order to retrieve the vehicle. I asked what was included in the {$2500.00} and I was informed that the past due amount of {$1400.00} ; late charges of {$60.00} ; and {$540.00} for the repossession fee. There is a {$490.00} from the total amount they gave me ( {$540.00} ) and the various fees. I was never told where the additional fees were coming from nor was I granted the opportunity to even pay the amount in order to retrieve the vehicle because I had someone else driving my car at the time the car was repossessed. I have been contacting XXXX XXXX XXXX every day since XX/XX/XXXX without resolution. I was informed on Monday, XX/XX/XXXX, that my request for retrieval was denied because someone else was driving the car when it was repossessed. Then I contacted the company on XX/XX/XXXX about making arrangements for the person to retrieve their belongings, I am told that I will be emailed a form for me to submit and it has to be approved. The financing is holding the belongings of the car hostage! Every time, I contact them I am transferred to several people and always end up with they are in meeting. Someone will call you back which no one never does. I went online to XXXX ( XXXX XXXX XXXX ) and found that the company has over 200 complaints against them regarding their predatory practices. I would like this company investigative in-depth and either the vehicle returned or any negative reporting on my credit reports regarding the purchase of this vehicle removed.
I opened a small business account two years ago. At the time it was never explained to me that I had to opt in to not allow overdraft of my account. My company was a small operation and I was nave, thinking banking products were similar to personal banking products. I was switching banks and made it known to TD Bank, well one day my account went to - {$6.00} and they continued to allow small purchases ( {$5.00}, {$7.00}, etc ) so that they could then hit me with {$170.00} in overdraft fees. They would not refund these fees because they were not banking errors, even though other banks do it. The manager on duty told me that as a businessman I should have kept better track of my account. She pointed to my phone and told me that I had the mobile app and should have kept better track. She was rude and if I had not been leaving the bank I definitely would after that.
I have sent a 609 letter to all 3 credit bureaus requesting validation of a debt that 's reporting on my credit account labeled " XXXX ''. 

I am requesting that under the FCRA act that this company provide me documentation on this debt, proving that I am liable as I have not received anything in writing, email, text message, phone conversation from this company. 

I sent a 609 letter to all 3 credit bureau 's whom failed to provide me proper documentation that this debt belongs to me. Yet XXXX is reporting and making changes to this debt monthly without my consent or my aggreance. 

I have attached the 609 letter that was sent to the credit bureaus and also screen shots of XXXX erroneously reporting this account on my credit report. This debt came back 'verified ' but I was not provided any documentation that supports that claim. 

Please furnish all documentation that authorizes this company to do this to include but not limited to a contract signed by me with this company. 

Otherwise I am requesting removal of this account from my credit report.
XXXX XXXX XXXX XXXX without my permission, accessed my credit information for the purpose of providing me with a Automobile insurance quote which resulted in an increase in my insurance premiums by several hundreds of dollars. 
As a current insurance policy holder XXXX XXXX has never used Credit information. It is the result of relocating from XXXX to XXXX that has prompted this action. For XXXX XXXX to access illegally access my credit information and base my rate on such information is wrong. I have a perfect driving record and that is what a rate should be predicated on. I wish to seek compensation from XXXX XXXX for their actions.
I am a recent graduate of an Interpreting program and have currently begun working within my field. Accepting a position in my field resulted in a financial gap in my salary ( I took a XXXX % pay-cut from my last XXXX job ). Upon contacting my private student loan provider I alerted them of my financial change and requested other payment options. They refused to work with me in order to find a suitable repayment plan. I have been paying back my private loans since I was in college, never missing a payment, and their only solution to my financial situation was to allow my private loan debt to go to collections. I refuse to accept that they are unwilling to extend the term of my loans, making payments affordable for me. I understand fully that I am responsible for paying back my student loan debt and I am not trying to justify not paying what I borrowed. I am simply making a minimal ( entry-level ) salary and am need assistance on repayment plans. If my private student loans provider extended the term of my loans, my payment would become affordable. They have refused to do so because my total debt is {$2000.00} less than the acceptable amount of debt a borrower needs to extend payment terms. I graduated one year ago, and am finally perusing the career I dreamed of in college. Now my student loan providers have suggested I quit this job in order to work at a restaurant so I can make ends meet on an unfairly large monthly student loan payment. They are making it impossible for me to continue working in the field, that I went to school for in the first place, in order to obtain a higher paying job to pay them back ( at 10 % ) for the education I will not be utilizing. I ca n't believe that any student loan provider would refuse to give their borrowers alternative payment plans. I am simply looking for accommodation for entry-level salary borrowers that is fair.
I have been disputing student loan debt with NELNET for about two years and as of to date XXXX XXXX, 2016 the debt has never been verified. I have sent numerous letters asking them to please verify this debt to no avail also I have previous file complaints to no avail. And according to the FDCPA if this debt can not be verified than they can not collect on it, nor report it to the credit reporting agency. I have recently sent an AFFIDAVIT OF TRUTH ( private statues ) on XXXX XXXX certified mail receipt XXXX XXXX XXXX XXXX. I have yet to receive an response and they are still reporting these accounts on my credit profile. I am currently seeking to sue for violation of the FDCPA and FCRA. I would like for them to please verify these debts or remove them from my credit profile ASAP.
As the result of the complaint I filed against XXXX and they sold my Loan to Select Portfolio Servicing , Inc with my monthly mortgage still going up. They want me to pay XXXX a month for a house valued at XXXX maximum. I am petrified to try again to get a loan modified or try keep my home. I contacted a counsel from the Homeowner Hotline she and I spoke with representation for Select Portfolio Servicing , Inc. asking for a short sale. They agreed finally and gave me XXXX XXXX a Real Estate Agent they use from out of Georgia. He came out to my house, took pictures and place them in XXXX along with a sign in my yard and a key in the lock box on my door. Select Portfolio Servicing is telling me that they did agree to the short sale or any other arrangement relating to my house. I have taken all of their calls early in the morning and in the evening hours repeating my intentions and sending any required documentation to them. My desired resolution is to put all of this behind me and the opportunity for a short sale.
Ok so when I seen discover on my report I called into discovers customer support, which then transferred me to a different department and I spoke to a very nice women named XXXX, but she could n't offer any help. She referred me to a different collection company named XXXX '' who were very rude and knew nothing. I then sent a email to XXXX XXXX XXXX, I received a packet in the mail with some transaction history. Honestly I remember having A XXXX dollar limit and I remember paying it. In the packet I noticed the transaction history I noticed a XXXX limit and other transactions. Back in 2013 I was n't in my right mind, my XXXX. Now that I am stable, I 've noticed the account on my report and I cant remember. There are also other accounts on my credit that were opened online around the same time and I had to contact those institutes as-well and they are helping and giving me an understanding. There was a women a live in room mate that I used to have dealings with back then who just completely disappeared, and was n't here after my treatment I 've tried searching for her, theirs no information on her name XXXX when searching for her, but I have a strong feeling it was her and everything was a lie every hand I was dealt just blows up in my face and destroyed my life, for instance I simply have no need for a XXXX XXXX account that was opened under my name because I am a male. I am not saying I did n't have a discover account. I XXXX and on social security from XXXX I take and I have a hard time with phone calls XXXX. Im not the way I was before treatment. I 've called customer support because I remember being a customer and how sweet and nice everyone at discover is not like that with me anymore. I was never aware of owing money and I want to know why discover was not there to offer me help or work out some plan back then. Discover you are giving me XXXX. XXXX time I called " XXXX '' told me to contact XXXX '' number XXXX a rude company that had no knowledge of me. Then called discover again and was referred to call XXXX number XXXX this company does n't exist. Then in the packet XXXX XXXX XXXX sent me it says call XXXX number XXXX. My credit is messed up because I was not responsible with my personal information when we had live in roommates and I would just leave credit cards and SSN card anywhere and I do take full responsibility for that, BUT discover is just passing my information to company to company and me having to call places passing my social security number to fake company 's or god knows who, but i really liked discover and they never offered to help me, I never knew what was going on I thought it was paid. I use to get calls for card protection everyday which I remember getting and I always thought it was covered. I just wish they would remove the charge off because i do n't feel i owe then a whopping XXXX.
I started my mortgage on XX/XX/2012. Before I made my first payment, Wells Fargo purchased the loan. I have made all of my payments on time to Wells Fargo ever since. 

I would like to cancel my PMI. I have met the requirements that I have the loan for 5 years and have no late payments. It is my understanding from your site ( https : //www.consumerfinance.govXXXX ) that I have a right to request my PMI be removed when I pay the mortgage down to 80 % principal remaining on the lower of the purchase price or the appraised price ( they were the same in my case ). Wells Fargo insists that I must reduce the value to 78 % of my principal to price ratio. I spoke with Wells Fargo 's mortgage servicing department in XX/XX/XXXX and was told this. I asked to speak to a supervisor and was told I would receive a call within a few days. I did not receive that call. I went to my local branch in XXXX, FL today and the bankers there called the mortgage department. They were told that I had to get the ratio to 78 % and I had no right to seek removal at 80 %. I spoke to XXXX XXXX and her manager.