WillisBack/dataset-financial-user-claim huggingface dataset:
I recently went through a divorce and financial hardship, even as I have struggled I have still trying my best to stay afloat and to keep paying bills slowly but surely. I recently got reposed my   XXXX    XXXX   XXXX  that I had for  one   year. Ford Credit  took my SUV back with only 54 days behind in my payment. I have been slowly falling behind 30 days but never thought that being 54 days late was reason enough for Ford Credit to come repo my car. Immediately the very same day I called them to work with them and they immediately shot me down and told me that my account was now sent to another department ( Recovery Department ) and they would handle it from there. I called them and told me to wait 72 hours for me to talk to them, I waited 72 hours and called them, the lady on the phone told me  that I had to pay the whole balance owed in the vehicle of {$32000.00} and I had 15 days to do so for me to get the vehicle back from them or after those 15 days my car was going to be sold and that I was going to be held accountable for any legal fees or balance on the loan. I told her that was impossible, so I offered to pay the late payment ( 54 days late ) and any late fees associated with the account and even a month ahead and she told me no. I was willing to go beyond what I could to be able to keep the car and get it back but she refused my offer. I asked to speak to a Supervisor, she transferred me to this voice mail, I left message, the voice mail said that she was going to call me back wi thin 72 hours and there was no reason for me to call back. 72 hours c ame and went, I call several more time trying to talk to someone at that number and she never answered or I never talk to a person ( supervisor ) as I requested. When I call back to the recovery department because I was not able to get a supervisor the lady say the decision was final and that there was no way to change it. Now, I get a bill saying that the car was sold to a private buyer and that I owe them {$10000.00}. All these could had been avoid if they had worked with me, if a had talked and explained to a real person, not a recorded machine. I request to please help me out in this matter. Thank you.
I used my online Chase Online bill pay to pay for a service that I purchase bi annually. The money was taken from my account and transferred to a Chase account and their check was sent and mailed to the vendor. The vendor deposited it and per Chase, the check was paid. The vendors Bank , XXXX, claims not to have received the funds even though a cancelled check was produced. Subsequently the vendor invoiced me for the service again. I asked for Chase 's assistance in resolving the dispute and it was referred to their Escalation department. They allegedly did an investigation and only told me what I already knew. The payment was supported by the XXXX cancelled check which XXXX does not recognize as valid proof. Even though they probably could have traced the payment and given me some information I could use to defend myself against the vendor, they refused. They would n't even acknowledge the conversation in writing leaving me nothing use to support my case.
Hello, I have been a client with Capital One since XX/XX/XXXX however ; my credit reporting is only reflecting from XX/XX/XXXX and on. My overall credit rating took a hit since my history is not being reported in full. I ask that you report my credit in full since opening this card in XX/XX/XXXX. Let me know if you have any questions.
I have disputed this account entry on numerous occasions from the credit bureaus to the company itself. This company began reporting negative information on my credit report in XX/XX/XXXX. In my dispute to this company I requested : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; XXXX responded with a denial that there were any inaccuracies in their reporting. Actually, there are, I never signed an agreement with XXXX, nor have I had an account with them for them to report there are terms of 1 month and that I have a past due balance. Further, as of XX/XX/XXXX, the correspondence I received from Cawley and Bergmann reflects a different account number for the same account that XXXX is attempting to collect. Per consumer law, 2 collection companies may not collect on the same debt. How so then is XXXX still reporting these entries on my report? This is a blatant violation of my consumer rights. Too, why is Cawley & Bergmann offering a settlement on an account that is not verifiable? 

For the second account, XXXX merely sent a Statement of Account that was created on their letterhead. This arbitrary number lacks veracity. Where is the supporting documentation? The one document that was sent reflects a totally different number. Additionally, if XXXX XXXX states that a payment was due on XX/XX/XXXX, then how can XXXX say the charge off date was XX/XX/XXXX? This is an explicit contradiction. It appears that XXXX has tampered with information and the reporting of accurate information. There is no way that an account can be due with an original creditor 2 days after a 3rd party collection company is reflecting it as a charge-off. THIS IS ILLEGAL!!! XXXX nor Cawley & Bergmann provided the account ledger, nor any other documents to justify the activity, payment history and validate the number they are alleging is owed is accurate. Lastly, XXXX failed to provide any supporting documentation for the second entry they are reporting on my credit reports in the amount of {$2000.00}? Yet again, they are reporting information that is unverifiable. 

This unverifiable entry on my credit reports should be DELETED IMMEDIATELY!!
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.
I am paying on medical bills monthly. The company I was paying sent me to collections because I did not set up a payment plan with them. I was told if I did not pay the full amount within XXXX days they would send to collections. Since I have so many bills piled up, I can only pay a small amount each month. I have not been sent to collection in the past and have/had very good credit. Now my credit score is decreasing because XXXX of the bills I have been regularly paying on that sent me to collections. Thanks to our XXXX insurance plans we are required to carry, I am now swimming in debt. Why do some companies allow partial payments and some do not? Does n't seem fair.
Ditech Financial LLC recently purchased my mortgage and I 've had many problems w/ them from the start. My 1st payment w/ ditech was due on XXXX/XXXX/2015. I tried to set up my online account w/ them but was unable to do so. I called and they said since my account was new I had to wait about 2 weeks in order to get a user name and password. Since I was within the 60 day transfer window I figured I 'd just wait until I could set up the online account and do an ACH transfer. I continued to get hounded by their collection dept all month. Now it 's around XXXX/XXXX/2015, I try to set up my online account and am told the service is down for some reason. Since I was still within the 60 day transfer window I told them I would make a double payment on XXXX/XXXX/2015. The rep at Ditech argued w/ me saying he 's never heard of a 60 day transfer window. The collection dept continued to call. I found it odd that they would call my workplace before calling my cellphone. I do n't want my co-workers thinking I 'm some sort of deadbeat. 

So I finally get registered online w a user name and password. I went to set up an ACH transfer and the website did not allow me to do it. So I had to call in to Ditech. I was supposed to make 2 payment for a total of {$2900.00}. Ditech tried pulling out {$2900.00} three times which resulted in overdraft fees, lots of phone calls, and lots of irritation. When I set up the ACH transfer on the phone i was told I would not be charged to {$12.00} convenience fee, but I was actually charged it twice. They said they would refund the overdraft fees and the convenience fees but I have n't seen it yet, going on close to a week. 

According to Ditech my account is past due, not sure what this is doing to my credit score ... 

Ditech seems to be an aggressive debt collector and not a mortgage servicer ...
Received a letter in the mail informing that I opened a XXXX XXXX/ XXXX XXXX credit card account and after the fact I noticed a hard credit pull in my credit report from XXXX XXXX XXXX It appears this account was fraudulently opened with my personal information and since then I have tried numerous instances ( over 15 phone calls ) to  reach the fraud department of XXXX XXXX through the customer service phone number on the website, but the automated service does not allow me to speak with a person to flag it as a fraudulent activity. I would like this account to be closed and the credit inquiry removed from my credit reports.
I closed on the house onXX/XX/XXXX. My mortgage bank is responsible for my township taxes and it is paid out of the escrow. There was a shortfall for the property taxes they paid for XXXX on XX/XX/XXXX payment. I contacted the bank in XXXX regarding this matter they assured to me that they received the notice and they will pay it by XX/XX/XXXX. Yesterday I received a delinquent notice from the township as the mortgage bank has not paid the property taxes fully and now with the interest and penalty the amount is over 176.00 dollars. I contacted the bank yesterday but they were not cooperating. They said they have to research why it was not paid. I am a new home owner and i do n't want to have a bad relationship with the township. I pay my bills on time to me this type of nonpayment is unacceptable. I am afraid that the bank might not pay future property taxes on time.
On  XXXX / XXXX /2017   I  received correspondence from CFPB #  XXXX  regarding a complaint filed on   XXXX / XXXX /2  017 a gainst  Advanced Res olution Solution  Services , Inc,   I calle d ( ARS ) an d spoke to a  XXXX   XXXX  regarding the accuracy of the bankruptcy that is placed on my report I sent documentation from the courts that stated that they do NOT report to credit reporting agencies and also confirming that there is false information on my report she stated that the report was accurate and direct me to look on pa ge 6 of 8 on  the report up under the account information and there should be a statement that read " Bankruptcy record furnished by Advanced Resolutions services,  inc. '' I told her that the area that she was speaking of was blank on the report that was maile d to me o n  XXXX / XXXX /2017 she asked me to fax over a copy and I stated that I would.fax the document on  XXXX / XXXX /2017, enclosed is a copy of said report page 6 of 8.and a copy of the fax cover sheet. I am requesting again that the recor d be permanently deleted off of all my reports.
I need help regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX BANK ( XXXX ) XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX  ) XXXX XXXX ( XXXX  : XXXX TransUnion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX TransUnion : XXXX ) XXXX XXXX  XXXX ( XXXX : XXXX TransUnion:XXXX  ) XXXX XXXX XXXX ( XXXX : XXXX TransUnion XXXX XXXX ) XXXX XXXX  XXXX ( XXXX : XXXX TransUnion : XXXX ) XXXX XXXX XXXX ( XXXX TransUnion : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX ( XXXX  : XXXX : XXXX ) XXXX XXXX ( XXXX  : XXXX ) XXXX ( TransUnion : < ) XXXX XXXX ( TransUnion : XXXX )
I recently checked my credit report and discovered that this company is reporting that I owe them a debt.
I have been complaining about Ocwen loan servicing for a year now, they allowed a mortgage to be forged in my name, I contacted them about this, the dispute was resolved and Ocwen released me from the mortgage and bond, my name was removed from deed via a quit claim. Ocwen sent me a letter saying they would no longer report anything to my credit accounts with credit beurea. I have been seeking a mortgage and home for me and my kids and Ocwens now put the loan on my credit as a foreclosure, thus preventing me from obtaining a loan
I sent a letter to all 4 3 credit bureaus Transunion, XXXX, XXXX in XX/XX/2018 asking them to remove the bankruptcy off my credit report because bankruptcy court do not report to credit bureaus and I have a freeze and a suppression on XXXX so they cant release my private information,. I sent letter from court and XXXX to All 3 Bureau. They all responded the bankruptcy was verified thru court or XXXX which is not true
Complaint # XXXX JP Morgan Chase Holds Homeowner and Her Home Hostage Homeowner urges Consumer Financial Protection Bureau to contact Corporate Office at : JP Morgan Chase Corporate Offices, XXXX XXXX XXXX, XXXX XXXX NY XXXX Be it known, homeowner, XXXX XXXX XXXX XXXX, has NOT received any cooperation from JP Morgan Chase since her first complaint to Consumer Financial Protection Bureau. JP Morgan Chase continues to hold homeowner and her home hostage by fraudulently manipulating their accounts, figures, dates, data and documentation. 
Please see attachment : " Complaint # XXXX JP Morgan Chase Holds Homeowner and Her Home Hostage '' as this description is rather lengthy.
Macy's/DSNB is reporting a fraudulent account on my XXXX credit file XXXX I have never had an account with Macy's/DSNB and never will, please remove this account ASAP, it is hurting my credit file and I have excellent credit. The account info is below. 

Macy's/DSNB XXXX Amount Owed : {$570.00} Status : Charge Off Opened : XXXX/XXXX/2011
I have been in constant contact with SYNC / Care Credit and informed them to please send me documentation that I signed a contract to pay them. The listed item is entirely inaccurate, and represents a very serious error in there reporting, also they have not presented me with my signature as proof of any contract with their company, as with many other consumers, we are pressured into paying collection agencies in order to maintain our good credit standings. This is a perfect example, as I was pressured to pay, as I didnt know what the Law was at the time, and in response to the threatening letter that I received. I have been in contact on numerous occasions, and they continue to be not responsive to my request to remove this entry from my report. My credit has suffered, with high interest rates, and recently rejected credit applications from banks because of this entry. Thank You
On XX/XX/XXXX I noticed a collection account had been placed on my from XXXX XXXX. This was the first time I 'd heard from them about this debt. That same day I sent a debt validation letter via email as they said this was how they communicate. On XX/XX/XXXX, I received a letter asking me to fill out a form for identification fraud claim I made through the credit bureaus which I never did. Also, on XX/XX/XXXX between XXXX and XXXX XXXX I called  XXXX XXXX to discuss the papers sent to me about this fraud claim. A phone agent claimed I had no right to a debt validation letter from XXXX, because it had been past the 30 day window of time from their first contact, after that they proceeded to make an attempt to collect on the debt from me by telling me I had only two options which was to pay the debt or make a claim that I have no intention of paying it. They also continued by claiming that I had received XXXX 's initial letter though it was n't sent certified mail. I told them that I had not received the initial letter, the phone agent accused me of lying implying that I had received it, the phone agents implication was an attack on me in order to disgrace me. 

They further continued by stating I had no rights to dispute this debt anymore because the original creditor told XXXX it was valid, which I still have no proof of. They continued trying to collect on a debt by bullying me, despite the fact I still had not received debt validation, and demanding I remit payment or make a statement acknowledging the debt by refusing to pay it. When I kept insisting that I 'd like the information that I requested from my debt validation letter they hung up the phone in my face. 

These actions by XXXX are grossly negligent and against the Fair Debt Collection Practices Act. A collection agency may not use any false, deceptive and misleading means in connection with the collection of any debt. Nor can they use implication that the consumer committed certain conduct in order to disgrace the consumer.
Monday morning at XXXX, I received a unknown number leaving a voicemail in a aggressive manner that if I do n't call back they will have someone pick me up where I live. It 's a payday loan from cash central. My bank account I had was closed at the time because they kept trying to take money out causing it to closed. Now they saying by XXXX XXXX, I can pay {$680.00} or {$100.00}. I never even received no email or letter. So I think they are lying and I do n't appreciate them calling my XXXX house threatening me and rushing to make a payment. Their are tons of people who owe {$4000.00} XXXX XXXX and getting away with it.
I have sent several certified letters to XXXX XXXX XXXX about this matter. This debt is not mine. I have never opened an account with Synchrony/Care Credit. This debt is reported on my credit report, but is another individual 's with I am assuming the same name as mine. The debt is listed under XXXX XXXX, but I my legal name is XXXX XXXX. I have never used XXXX  as a name to open an account as it is not my legal first name. I have tried since XX/XX/2018 to resolve this matter and to this day XXXX XXXX has not provided any signed contract to validate this debt is mine. This is damaging my credit report.
I have been trying to get help lowering my mortgage payment from Nationstar for about three months. Specifically the XXXX loan. The first person I spoke to stated it would cost about XXXX in closing costs and the second person told me it would be about XXXX. I want to keep my home. I just retired and I take car of my XXXX daughter. I hope you can help me.
I 'm a XXXX student at XXXX XXXX. I had previously been a grad student at XXXX XXXX XXXX XXXX XXXX, but I transferred for the XXXX 2015. Then:1. Navient took me off deferment despite being enrolled full-time ( my federal loans continued deferment without issue ; I do not have enough income to pay loans ). 
2. They gave me the option of forbearance for the interim 2 months until they ( hopefully ) have enough evidence that I am enrolled full time in school. They would not explain how this forbearance would affect interest rates or the principal. 
3. I paid {$150.00} over the phone a forbearance fee to put my accounts into forbearance ; the next day I had fraud on my bank account ( not sure if this is related? ). I called them immediately to stop the check # and submitted a new check #. 
4. They repeatedly tried cashing the voided check causing fees on my checking account, and though they successfully cashed the XXXX {$150.00} check, and gave me a forbearance-in-effect confirmation number, have ( despite repeated calls and many submitted forms of evidence from my bank ) put my accounts as past due and say that they did not deduct this money from my account. 
5. The information they have on my account states that I am still gainfully employed at my former position, a job I left over two years ago. My account was deferred due to my time at XXXX XXXX, so clearly it was once updated to reflect my full-time student status ; their record keeping is vastly out of sorts.
I have had numerous problems with Chase lack of customer service through out the years. I have made attempts to modify my second mortgage with them three times after my first mortgage was approved and received piles of letters and made numerous phone calls which still resulted in no modification and continued to pay a high XXXX percent on my loan. I 've asked Chase repeatedly to work on the modification as I was having financial difficulty and the lower interest would help with brining the loan down. I got no where. 
In XXXX of 2016, I was selling my home and was in contact with Chase for my payoff. This was the second time after my first sale in XXXX fell through but they were well aware of the sale of the home, Chase then proceeded to sell my mortgage and delayed my closing for weeks as I had to find who they sold the mortgage to and await for them to get the payoff information on the loan. I received no letters regarding this and no forwarding information pertaining what they were doing. In addition to reporting late payments to my credit, the loan is reported as sold and I have no credit report of the loan being paid in full because of their actions which continues to harm my credit. The company they sold my loan to is not even showing on my credit or that the loan was paid. For all these inconveniences they have cause me as I continuously tried to work with them, would like all derogatory reporting on my account to be reverse and that the loan was paid by the company they transferred it to not showing just transferred and closed which is not accurate to the events that happened.
Experian is reporting over XXXX XXXX XXXX XXXX different names that are totally wrong. Experian is reporting addresses where I have never live at. This CRA is not correcting this erroneous information, even when I submitted a copy of my FL state driver 's license an my C concealed arm permit in support of the dispute.