WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX the XXXX XXXX XXXX parked a debt, which I do NOT OWE on my credit report, thus damaging my credit rating. 

I have reached out to XXXX XXXX XXXX on the phone on XX/XX/XXXX and on XX/XX/XXXX asking the company for validation and back-up documentation. To date ( XX/XX/XXXX ) they have provided no written form of validation or proof. 

At no time has XXXX XXXX XXXX contacted me about this debt nor did it notify me it would report this to the Credit Agencies. 

XXXX XXXX XXXX failed to validate the debt or provide any proof to me that I owe this money or that the debt is valid. 

XXXX XXXX XXXX provided false information to the XXXX and XXXX credit agencies claiming that the date of the delinquency was XX/XX/XXXX. This is a lie, as I was never a XXXX customer at that time. 

These debt scavenger activities employed by XXXX XXXX XXXX appear to be in violation of the Fair Credit Reporting Act.
My loan was modified on  XXXX / XXXX /  XXXX  . Also the service of the loan changed hands from one bank the another. I also had a balloon payment added to cover attorney fees and escrow shortages. Some time in  XXXX  they added more onto my note and saying I have to pay this now. I have made my regular payment and will not pay this because I think it is wrong that long after modification was completed completed.
I applied for a Home Depot Credit Card because it said that they offer no interest for 6 months on purchases over {$290.00}. I bought carpet for over {$3000.00} and they are charging me interest even though I have made my payments. They say that I can not get the " no interest '' promotion because the store gave me a XXXX % discount at the time of purchase. Their full page XXXX ad and small print at the bottom says XXXX about the fact that you ca n't have any additional discounts and the store did not advise me of this. Their practices are misleading and deceptive.
First, upon graduation for myself and my daughter ( for which I was paying on both student loan payments ) Sallie Mae advised that both of us would to gift back on a portion of the student loans, for which they never came through ( a reduction ). When it was brought to Sallie Mae/Navient 's attention they refused to honor the prior offered gift letter. I graduated in 2007. 

Then multiple time I was force into placing the loan 's into forbearance due to not working in the field I studied in and not having the money to pay the loan payments. Which caused interest rate to increase. At no time, was I offered any lower interest rates or other solutions. I gave up dealing with the loan agency after years of begging and pleading for help. 

I attempted to sign up for the county and state forgiveness programs, but due to being a signal mother/grandmother and having to work two and three jobs to support my family, I made a little to much money to qualify for the program ( s ). I raised my children and co-parented my handicapped grandchildren through these hard times.I am still not working in my field and still having a hard time paying for my and my daughters student loans. When I attempted to call to make arrangements or find a solution, I felt forced and cornered with no other option but to pay what was required to save my credit and good standing. 

I truly regret going to college and insisting that my children attend college due to the bills. I am close to XXXX years old and will be paying these loans until I am in my 70s, with no retirement or savings.
Complaint XXXX of XXXX with Shellpoint Mortgage. 
Again another account in which a misapplied payment has led to a foreclosure action. 
I would strongly encourage the CFBP to audit Shellpoint Mortgage. I am also getting calls from mortgage clients that have similiar issues. My office is in XXXX Ohio which has a population less then XXXX. This company has very aggressive collection efforts and flawed software and could pose a risk to injure a lot of consumers.
There is a company stating I owe $ XXXX for an XXXX XXXX XXXX account which is false. Requested validation pending information in still. Please help
I have paid PMI for 4 years 11 months and would like to have the PMI removed once the 5yr requirement is up. Our closing date was XX/XX/XXXX. Since XX/XX/XXXX our builder XXXX XXXX  has raised the base price of our model. The new base price would put us at the required 78 LTV ratio for PMI removal. XXXX XXXX preferred lender Stearns Lending says that to remove PMI the LTV is based on the original XX/XX/XXXX appraisal. Is this true and final?
On Wednesday XXXX XXXX I recieved a phone call from a supposed process server that works for empire mediation services. He told me papers were going to be delivered the next day that I needed to sign. That a summons was being delivered. He left a phone number for me to call to resolve the situation BEFORE the papers were delivered. The number was XXXX. I called the number and they were trying to collect for something that was paid. The company goes under a few different names so I emailed them what I had. They emailed me Nd told me I was scamming them and it was not pAid. The man called me a liar. I told him my attorney would be in touch. I asked him for his address and he would not give it to me. Then he tells me he is n't speaking to me any more because I said I had an attorney. But then the next day he emails me again!!
This is more of a " for your information '' note. With XXXX XXXX in the news about account fraud, I was hoping that Bank of America would also be included in the investigations. About 8 years ago they opened a credit card account without my permission. I have a checking/savings account and was curious about the percentage rate. No permission was given verbally or in writing however I received a credit card in the mail. I did not activate it and called Bank of America to discontiue the card. It did affect my credit report though. Bank of America denied any wrongdoing. I am hoping that you will be looking at their practices too. Thank you- Sincerely, XXXX XXXX
I took out a car loan with Toyota Financial Services in XXXX XXXX, the payments of XXXX were due on the XXXX of every month. After starting the contract with them I asked for a due date change, and we agreed on the XXXX of every month. TFS sent me paperwork to sign and I signed and sent it back. At this point the new due date is the XXXX of every month. The first payment according to the new contract with the new due date is XXXX/XXXX/XXXX. I began making my payments according to the the new agreed upon due date, however XXXX has not been reporting the payment according to the due date of the XXXX, which has cause multiple additional fees and a negative credit reporting. They are being unreasonable with resolving the matter.
Contacted me through email, address was " XXXX '' ( XXXXXXXXXXXX ) Documents attached state " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' Asked to send verification via usps, received letter from " XXXX XXXX XXXX '' return address checks out as a courthouse in CA. Letterhead states " professional litigation '' and " ... this law firm.. '' This firm also claims it had sent mail in the past. I have not recieved anything until recently. A " mimi-miranda '' or " attempt to collect '' was also not sent. 
As I feel more comfortable sending corresponsdence via certified mail, the courthouse address is not acceptable, especially when one is expected to send bank card info back via email ( XXXXXXXXXXXX ) or by fax.
My Capital One credit card is 178 days late. We have fallen on hard times. My spouse is ill and can no longer work, we have ill family that has had to move in with us and we are living on limited funds, these are things that have developed since the credit card charges. We do not qualify for any state assistance. So I have been paying what I can, when I can, just not the amount they are requiring to be considered current. I have been notified that my account is days away from being charged off. So on XX/XX/XXXX I contacted Capital One, I asked them for a payoff amount, they offered for me to pay {$9800.00} as my pay off amount. They would only take off the interest, nothing off the principal. They did tell me that sometimes they will reduce the principal and that would mean they would send me the XXXX tax form for principal debt greater than {$600.00} forgiven by cc company. But never attempted to negotiate with me. I asked them if there was any way I could get a reduced amount. All they offered me was a payment plan of {$3800.00} due by XX/XX/XXXX, {$3000.00} due by XX/XX/XXXX, and {$3000.00} due by {$3000.00} to avoid account being charged off. I made it clear that was not possible and would like to settle my account and close it. I asked if there was someone I could talk to that could work with me to settle amount owed. Was given no further assistance was told he knows times are hard and he was sorry for me, and that he will pray for me. I tried reaching out again on XX/XX/XXXX to settle account, this time I was told pay off was over {$10000.00} and was given a number for their higher authority. I am extremely frustrated, I just want to close my account and try to reach a settled amount, all they are encouraging me to do in stay in my current payment program with them so I can get my account current and continue using my cc. I know this is my debt, and I know that it is my responsibility, I am trying to take care of it, It just upsets me that they would rather charge off my account off to a debt collection agency for a reduced amount, but will not help me the consumer.
A representative from the XXXX called me at work and said I have until XX/XX/XXXX to pay {$370.00} settlement my payday loan. I told them I dont have money and they said if I dont call tomorrow before 3 they will proceed to take legal action, but I tolk my loan out with ace cash express and its a collection company trying to scare me to pay please help i want to pay it off but I dont know what to do. The company is called XXXX
I cashed a check written on a jp mogan check account on XX/XX/2106 one day before hurricane XXXX is projected to hit. I was informed that because I was as not a customer even though the check was written on their bank by one of their customers they were charging me XXXX$ to cash this check. I have never heard of such a thing and seriously XXXX$ for check cashing ?  That's more then cashing it at a check cashing place. I truly feel the average consumer trying to make ends meet is being ripped off by the banking industry. And in this case chase bank. How much more are we going to ripped off. How many more banks are going to be allowed to take me for a financial ride. This is seriously wrong. Had the person who wrote this check known they would do this to me he would hav gone to the bank himself to get the cash. This is horrible. I have never ever been charged before cashing a check written on the existing bank I was doing business with. Is this becaus we are in a hurricane warning....are the banks not under the same law as gas stations for not gouging the consumer?  Please help. I'm saving my receipt in hopes the XXXX$ they charged that would have put gas in my car will be reimbursed!!!
For one year i have disputed items and the companies were found to be wrong in reporting to bureaus and the accounts were removed then at a later time they report the same information putting information on my credit file. XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX
I tried to get a copy of my credit report on yesterday, and was surprised at what is there that I personally do n't recognize. There are XXXX items without explanation that are not valid I am sure : Credit XXXX XXXX, Washington XXXX XXXX phone no., XXXX XXXX ; Debt recovery XXXX, XXXX merchant XXXX XXXX, NY XXXX, phone XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Account XXXX, dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, phone XXXX XXXX XXXX, XX/XX/XXXX.
I enrolled in student loan thru sallie mae in XX/XX/2014 When my loan came due it was very difficult to understand how to enroll in my repayments options ( income driven vs normal ) as well as enrolling the proper account to use in the repayment.
I have multiple inquires on my credit file that i did not authorized i do have a fraud alert on my credit because of identify.Someoen has been using my information trying to get credit i am a XXXX  veteran who is XXXX   XXXX  the list is from XXXX  XX/XX/2018 COAF XX/XX/18 COAF XX/XX/18 AND XX/XX/18 AND XX/XX/18 XXXX   XXXX XXXX XX/XX/2018 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XX/XX/18 XXXX  XX/XX/18 XXXX XXXX  XX/XX/18 XXXX  XX/XX/18 AND XX/XX/18 XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XX/XX/18 This is XXXX  list XXXX XXXX XXXX XXXX  XX/XX/18 XXXX XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18
Submitted complaint  XXXX . Disputed complaint. Can not get to that anymore. Have been to court. Mortgage company has not acknowledged having recieved documents for modification on time but delayed in processing ( sectio n 6 respa, and took more than 37 to come to a decision ).
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

i have a toal of 13 collections showing. This company took advantage of me and I want these collections removed from my credit report
I have contacted Equifax several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.
On XX/XX/XXXX i disputed XXXX XXXX XXXX XXXX to XXXX   and XXXX and transunion and no one has done a full investigation into the credit card. I'm reaching out to you because i also called these bureau explaining that i reach out to the collector and then to the collection office where i paid my full payment. They both don't have any information on their system with my name or bday or social and a year ago i pay XXXX XXXX XXXX XXXX. On XX/XX/XXXX i explain again the situation and still the update to my account remains the same with the statement " updated- information on this item has been updated. please review your report for the details '' meaning they put a new date that the account was reported when this account was first reported in XX/XX/XXXXand they continue to put in false information. I have all the proof of them changing all my current information to new information that does not make sense to my account. Please i need to get help with this cause their doing this to all my accounts that are negative that i am trying to fix and making the situation harder on me. I have all the proof if needed.
I pay my mortgage in two semi-monthly payments. My current mortgage company, Freedom Mortgage holds the first payment until the end of the month and then applies both to the principal and interest at that time. This means they hold that first payment ( not earning interest for me ) and charge me full interest on my loan for the whole month instead of immediately applying the first payment to principal and interest. They also keep the two additional payments that I make a year and apply them in XX/XX/XXXX even if it means they keep the money for for a full mortgage payment for many months. This seems to defeat the purpose of saving on interest payments by paying bi-monthly. Is this legal? I had no choice in who I got as a lender ( my mortgage was sold to them ). If their behavior is legal, outside of refinancing, is there anyway to get another lender with better policies? 
I would like my payments credited when they are received. This company has been terrible to work with- they do n't seem to know how to work with someone who manages their credit well and who is financially literate.
I need your help in a resolution to my problem w ith RBS Citizens  Bank referring to my 60 months automatically renewable term deposit account, which was matured on  XX/XX/XXXX .  <P/> I have tried numerous times over the years contacting  Citizens  Bank to allocate where the money {$7800.00 } (  as of XX/XX/XXXX   )  has gone to, but to no avail.  <P/> I have received a RBS notification dated  XX/XX/XXXX , stated that the named account was inactive and needed to be reactivated by my signed confirmation of the account by  XX/XX/XXXX , which I signed and express posted the confirmation letter to  Citizen  bank on XX/XX/XXXX   <P/> From  XX/XX/XXXX , I have contacted Citizens Bank no less than 7 times in writing to request update on status of the account and asked advice, and got no reply at all.  <P/> called  XXXX   Citizens Ban k on  XX/XX/XXXX  and received no helpful assistances : The first call, a person named  XXXX  hung up on me after I stated my case and requested account information ; and the second call a person named  XXXX  could not find this account and also hung up on me.  <P/> checked on Massachusetts State Treasury Lost Money website every month and can not find my name on the list of accounts. This CD was originally opened more than 30 years ago, with a bank ( to  XXXX   XXXX , now  Citizens Bank ) l ocated in  XXXX   XXXX ,  XXXX  Massachusetts.
Have been trying for a Mortgage modification through Wells Fargo for years ... most recently X/XX/17.  This time they denied us because we have too much equity in our home. Previously they denied us because we were " underwater '' - not enough equity. Wells Fargo has been rude and consistently unhelpful - we only stopped paying the mortgage because we were told by one of their reps that it would be the only way to get a call back. They dont deserve to be in business. I caution EVERYONE to boycot Wells Fargo.
Applying for the Citi / AAdvantage Executive Card I called to ask when the Annual Fee was due. I was told it was due at the 6 month mark. So, I applied and received the Citi / AAdvantage Card. On the first statement I received the annual fee of {$450.00}. I immediately called them to tell them of the problem but, all they offered was {$50.00} off the {$450.00}. I told them what I had been told earlier but, I just got a " stock answer ''. I paid off the card all but the {$450.00} annual fee and then closed it. They sent me a letter saying the card is closed but they will still be charging me the fee plus accruing interest each month as well as alerting the credit bureaus. 

I feel I was tricked into getting the card and now being bullied. How can they charge a fee for something they have not yet provided? What 's more, something I will never receive? With interest on top of that. And threaten to wreck my credit if I do n't pay up. XXXX. I 'm not paying for something I did not and will not receive.
I have requested Equifax to remove the security freeze from my account. I got successful confirmation via PDF receipt and phone. When trying to set up a new gas account, however, I was told that the credit freeze still existed. Previously, when trying to set up my security freeze with Equifax ( when they had the data breach that compromised my information ) they were extremely difficult to work with and it took me several weeks to the put the freeze into effect.
CONVERGENT OUTSOURCING Date : XXXX XXXX, 2017 Source XXXX & XXXX Company CONVERGENT OUTSOURCING Address XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XXXX XXXX, 2017 Balance {$2400.00} I honestly do n't know who are they and they are not providing me any information. I even requested and faxed to send me a proof and no one responded and I have my faxed receipt copy
My house was sold while I was under review, I tried everything the service conmpany asked me to do to stop the sale date, I was told if I did everything they would postpone sale date, I submitted everything on time and was calling to see status leaving messages and my house was sold on XX/XX/XXXX. The next da it had been sold I get a call from Nation Star mortgage serviser asking me for some docs that were in file to do a modification on my mortgage. My loan came from XXXX XXXX XXXX and they never worked with me so they sold my loan to Nation Star Mortgage on XX/XX/XXXX, 10 months into Nation Star Mortgage they foreclosed my house violating my rights and laws of my modification. I was evicted within 6 weeks without a place to go leave or stay, I had to leave in a hotel for a month and than a month into an empty house that was for sale and they let me stay in the kitchen with some mattresess with my XXXX kids ages XXXX and husband. We hit rock bottom with this action.
On XX/XX/XXXX we started a loan Modification with XXXX but on XXXX of that year we received a letter that they sold our Mortgage to Caliber Home Loans. Caliber started with the loan modification process and we received a letter that we were approved and we will start paying XXXX beginning XX/XX/XXXX. So we paid that amount until XX/XX/XXXX. 
They raised the payment to XXXX on XX/XX/XXXX and XX/XX/XXXX they went back down to XXXX. Our new bill for XX/XX/XXXX is XXXX because they are charging an escrow of XXXX. 
Another issue is that our remaining balance of the mortgage is {$23000.00} and has not change at all, I wonder where is the money we paid since XX/XX/XXXX. 
What we did not know as well was that we were paying an interest rate of 8.000 %. 
We understand that a loan modification interest is no more than 4 % so I really don't understand why we are paying such high interest rate. 
we tried to speak with Caliber Customer service regarding this issue and all they say is " we have to investigate '' never a straight answer.
I Sent several letters to Senex and XXXX stating that I did not owe Senex or XXXX   XXXX Hospital XXXX dollars. I disputed the debt and I requested that Senex and XXXX   investigate the matter and remove off my credit. I requested a copy of the application and any documents with my signature to validate the debt. I have sent letters but did not get any responses to my request. NOTHING. This has been going on for more the 5 months. 

1 ) They failed to respond within 30 days ( it has been more than 5 months ) 2 ) They failed to provide any documentation ; 3 ) Senex gave me at of Service date of XX/XX/XXXX ( 6 ) yrs old beyond the state of Louisiana ( 3 ) year statue of limitation 4 ) XXXX XXXX Parish Hospital is closed down since XXXX 5 ) Senex does not Respect the Law