WillisBack/dataset-financial-user-claim huggingface dataset:
It shows on my credit report that Credence Resource Management reported to XXXX XXXX that I owe them an amount of {$1400.00} on an XXXX XXXX XXXX  bill collection on XX/XX/2018.However, I have never received any type of written correspondence from them any time after the date the debt is reported. Which goes to say they have not provided me with any type of validation of this debt. The debt also continues to show on my credit report and I am aware they can not legally report a debt that has not been validated on my credit report and that it has to be taken off until validated. I have reason to believe as well that this is a possible scam.I currently have a dispute in process concerning the debt with XXXX. I believe as well the account has in fact crossed SOL for the state and type of debt. I've already tried sending them a debt validation letter and have not received a reply. I do not want to pay for a debt that is not mine and/or end up paying a fake collection agency.
Been on income contingent plan for years. Recertified my income contingent plans this summer and in XXXX of this year. 

Navient did not apply income contingent plan to my federal loans instead it was applied again to my private loan that has small balance. I received notification stating my monthly loan amount will go up to almost 2k and to recertify. I was confused because I already did this but I went to certify through my studentloans account again and was unable to recertify b/c it said i already recertified. 

I faxed Navient and email them through my Navient account on XX/XX/25 and i received an automated email notification stating will follow up within 24 to 48 hours and company never did.
Our story began around XXXX of 2012 when my husband was out of work and my sister passed away.We used our funds to go see her before she passed.At this time we got behind a couple of months and there was XXXX other month we got behind so total 3 months. We went through a modification and for after a very long process of emailing, faxing and mailing the same papers over and over again.We paid our payments for a year and then finally they said they were going to send a paper for us to sign.We got the paper it was a subordination agreement.We called and asked who was suppose to sign it they said the court house, then we went there they told us no it was n't them.So over and over again for about a month we called Flagstar and they said different things each time.We were all over XXXX XXXX trying to get this paper signed.In the meantime we received no letter telling us a time frame and then XXXX day when I called to make a payment they refused it.This was not the first time they had refused they had also mailed back our payment originally when we first got behind.We have since been to court three times and payed alot of money to mail and fax the same papers over and over again and nobody there knows what there doing.We have had to apply now yet again for modification because of the paper they said we had to have signed that nobody could say who needed to sign has now forced us in to foreclosure.It has been emotional and stressful we just want an answer and we want people to never get a mortgage with Flagstar Bank.
Kross, Lieberman, and Stone continues to report an account in the amount of {$150.00} which was a result of identity theft. I have disputed this fraudulent account and have furnished the police report. This willful noncompliance is causing me damages and has negatively affected my credit score
I have made numerous complaints to CFPB about our mortgage over the years because it keeps being moved from company to company due to lawsuits and injunctions from the government due to the practices of these mortgage companies. My loan went from XXXX ( which went under due to bad loans ) to XXXX XXXX XXXX XXXX which was sued by the gov't due to not modifying properties with bailout money ) to Greentree ( who had an injunction against them from the gov't for not modifying properties ) and now onto Ditech. I paid three times what the house was really worth in XXXX and was hit with the housing crash and could not sell the property. I had a XXXX baby in XXXX and lost income due to caring for her and I spoke with Bank XXXX XXXX EVERYDAY for an entire year who assured me over and over we would work out a modification no problem. They then sent me a proposal for a modification where they INCREASED the mortgage from {$1100.00} to {$1900.00} a month! Then Greentree took over, I applied for a modification with them, never heard a word, put the house up for short sale, had numerous offers, Greentree turned down every one. Then Ditech took over, I applied for a loan re-modification with Ditech and were approved to make XXXX payments of {$960.00} with no details of the permanent modification on the temp agreement. We made all XXXX payments on time and were sent the contract for the permanent modification this month. This modification is HORRIFIC. It not only has a balloon interest, a balloon principle but also {$100000.00} added on for " fees. '' Ditech claims this modification is under the HAMP " Making Our Homes Affordable '' program, but in researching that program they are completely violating the entire program. They are basically asking us to agree to pay {$400000.00} for a property that is worth maybe {$140000.00} on a good day. Stating that when the mortgage is " paid off '' we will then also owe a lump sum of {$100000.00}. This is the kind of loan that caused the housing crisis in the first place. We are now going to see an increase in foreclosures AGAIN due to these outrageous and crooked modification loans that the banks and loan agencies are pushing on desperate, uninformed people. They are disguising these loans with low monthly payments but putting massive debt on these properties on the back end. How is this " Making Homes Affordable ''????? The government needs to be made aware of these horrific loans happening again. I work in the court system and see it daily, my husband is a XXXX, we have XXXX small children. Our youngest has had many health issues and constant therapist and specialist visits, we do not need the added stress of a bank trying to XXXX us over. I have been in court with a pending foreclosure for this property and it has been nothing but a nightmare. I can pay a mortgage but will not pay XXXX times what my house is worth and pay for hundreds of thousands of dollars in " fees. ''
XXXX/XXXX/17 I was loading money that was sent to me thru western union to my western union Netspend card which they voided for no reason at all. I tried talking to them but no one would help me. It is hard talking to someone that does n't understand English language.
Equifax dispute process does not even confirm or not confirm the investigation items requested. On several attempts now I have disputed a foreclosure and collection accounts to no avail still result with the same thing that they have verified the account belongs to me. Documentation has been provided showing evidence the account should be deleted along with the creditor themselves submit request to have it removed. The accounts in question on my report with Equifax are XXXX, XXXX Michigan, and XXXX. All other credit bureaus are reporting accurate.
Im extremely mad with Equifax because they are not following the law, I have four accounts ( that are reporting to the other two credit bureaus ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX ) and a other ( XXXX XXXX XXXX  ), Are these for accounts are reporting tool or three credit Bureaus as per each creditor.XXXX XXXX, XXXX are reporting these accounts but Equifax fails to report these accounts. I called Equifax multiple times letting them know about the issue also letting them know that they arent reporting anything since XX/XX/2018 they are noncompliant to the law
On several different occasions, my credit report was pulled with out authorization. Listed below are the different companies : Chase bank inquiry from XXXX XXXX, XXXX, XXXX XXXX inquiry from XXXX XXXX, XXXX, XXXX XXXX inquiry from XXXX XXXX, XXXX
Enhanced Recovery Company put a negative item in collections on my report. The company never sent me anything prior to doing so. ERC stated the dept is to XXXX XXXX XXXX but I 've never had services with XXXX XXXX XXXX. After two days of calling XXXX XXXX XXXX and getting nowhere or any verified info of and acct with them, I called ERC and they stated it 's from an old XXXX account that was turned over to XXXX XXXX XXXX after they brought XXXX out. I settled the account with XXXX in XX/XX/XXXX or XX/XX/XXXX!
Credit Control out of XXXX XXXX, VA XXXX was hired by XXXX XXXX a cable/internet/phone company to collect a debt on a closed account in the amount of XXXX.

I requested to pay the vendor ( XXXX  ) directly and on 2 occasions stated I could not. This is untrue as I paid a partial payment directly to XXXX  on XX/XX/XXXX in the amount of XXXX  leaving a balance of XXXX.

XXXX ( operator at Credit Control ) stated if I didn't pay the full amount ( they would not offer any payment arrangements ) by XX/XX/XXXX it would go up XXXX and be reported to the credit agencies. She is one of the operators to state that I could not pay XXXX directly ( not true, XXXX took my aforementioned payment and it reflected on Credit Controls end ).

After speaking to another operator, they stated if I made the payment " AFTER '' XX/XX/XXXX then only would I see the XXXX collection fee and then it would be reported if not paid byXX/XX/XXXX.

By XXXX telling me that I had until the XXXX only for both penalties ( XXXX collection fee AND credit reporting ), I put myself further in a financially difficult situation by paying the full amount to get them to not only stop harassing me ( calling me frequently ), but to avoid a ding on my credit which is getting repaired by on time payments and good relations with my credit card companies and creditors.

XXXX of Credit control used intimidation and threats of a credit report by misleading me with information that not only my collection amount would increase, my account and lack of payment would be reported on XX/XX/XXXX. The key to this is that this information was INCORRECT!

The fee increase would happen if I didn't pay on or by the XXXX and the report would happen if the full amount and any collection fees were not paid by XX/XX/XXXX. It's because of this misleading, threatening and intimidating consequences that I paid the bill to avoid the threats of penalties and reporting based on the FALSE Date of XX/XX/XXXX.

I complained to a supervisor ( XXXX  ) but her only concern was that I pay them and they would no longer contact me and not the tactics of XXXX using FALSE information in order to satisfy a debt by threatening credit reporting and an increase in fees if not paid by a date that was not in fact the actual deadline.

This should not be legal or tolerated. If they have rights to report and add fees, they should do so on the days legally allowed. Why are they lying to consumers with threats of reports and fees on false deadlines if they have eventually the right to do said penalties per the law?
I incurred XXXX overdraft fees between XXXX & XXXX. I feel these are not warranted because of how transactions posted. These fees continued simply because my account had already been overdrafted and more transactions were on their way to posting. When calling PNC, I was hung up on by XXXX person and was given misleading information by several others. Even after depositing funds to satisfy the current overdrafts, I called PNC and was n't made aware that more fees were to come for transactions that I had assumed were posted. Because of the available balances provided on my XXXX App by PNC and also PNC Atm receipts. Staff persons have condescending with me in most cases regarding my valid complaint and inquiry for additional information regarding my finances and my account. I 've filed XXXX complaints which I am waiting to hear back on. I asked about consumer rights/customer rights/ grievance policy in which the individual I spoke with had difficult divulging that information to me. I 've had an account with PNC since 1997. This year I 've had the most incidents with this bank then I ever have. No one is on XXXX accord resulting in the consumers ( in this case Me ) being misinformed results in the bank simply taking my money without transparent and legitimate explanation from individuals tasked with representing the organization. I believe the information accounting process needs to be reviewed for PNC bank and also the guidelines for over-drafting which comes with opting in. An option that I had no knowledge of for the first few years of my XXXX account.
I recently received a copy of my credit reports and noticed some erroneous items on my credit reports. Receivables Outsourcing is handling the collection of these accounts. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Receivables Outsourcing and me which entitles them to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Receivables Outsourcing being entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
On XXXX/XXXX/XXXX I was approved for a Bank of America ( BOA ) XXXX XXXX account with a leased XXXX from XXXX XXXX XXXX XXXX. Before signing the contract, the BOA representative who opened the account stated there was a Buyer 's Remorse period during which I could return the unit without fees anytime before the beginning of the first lease period, which was XXXX/XXXX/XXXX. He also indicated in multiple phone calls that my processing fees were 1.69 % plus XXXX cents per swipe for XXXX and XXXX, 2.13 % plus XXXX cents per swipe for XXXX XXXX, and a XXXX cents flat fee per swipe for all debit cards. He stated that there were no other fees and these were the lowest in the industry such as when compared to XXXX, which has a 2.75 % flat processing fee for all card types. He also stated that holding an active XXXX XXXX account would waive the monthly fees on the Business Checking account held with Bank of America. I agreed to these terms and received the unit. However, I was not satisfied with the experience, and wished to return everything before the lease began. On XXXX/XXXX/XXXX, I contacted my BOA representative and he told me to contact XXXX XXXX. I contacted XXXX, who told me my lease had already begun on XXXX/XXXX/XXXX and I would be responsible for paying nearly {$3000.00} to pay off the lease even if I returned the device. I called BOA back and told my representative, who was shocked and stated that the lease clearly should not have begun until XXXX/XXXX/XXXX and that he would speak to his manager about doing a buyback to resolve the issue. The buyback was approved, and I shipped the device to BOA with XXXX overnight shipping. However, on XXXX/XXXX/XXXX I noticed a withdrawal from my checking account for the amount of {$62.00}, labeled lease payment. I attempted to contact BOA multiple times regarding this charge, and was largely ignored until the XXXX attempt, when they said I would need to contact XXXX to get the fee refunded. I am still in the process of trying to get that fee refunded. In addition, I looked at my merchant statements for the payments I had processed, and found that I was charged many fees in addition to the fees described earlier. For example, it was definitely not a {$0.00} flat fee to process debit cards, I calculated it out to be more like 1.5 %. In addition, the statements are complicated and designed to be confusing and difficult to reconcile. Finally, I was also charged a {$29.00} monthly fee for my Business Checking account, which was supposed to be waived. When I complained about these hidden fees to BOA, they told me to contact XXXX regarding the processing fees. I feel that I was deceived and misled from the beginning that BOA XXXX XXXX would have the lowest fees in the industry, and have found reality to be completely contrary.
18 year 's of credit deined to me using my real data as a 50 states IDs scams frauding me and my documents and as retailers business permits and products and skus and 50 states XXXX XXXX products and menu 's and groceries stores containers and advertising and schools and colleges frauding scams using my documents and auto stores and insurance workers and investment reps and XXXX and sales personal and attorneys and lawyers and judges and building permits and banking permits and politican listings and home land development and semi trucks companies and CDLs frauding me and my documents. 

I have been deniged credit cards for 18 years from XXXX XXXX, XXXX, XXXX, and XXXX and thru all banks to for credit cards. 

Even XXXX XXXX Even XXXX 's
I was working with my prior servicer XXXX XXXX XXXX to remove the PMI on my home. I was told to get an appraisal on the property, by the time I received the appraisal I received notification that my loan had been transferred to a new servicer " SLS ''. I contacted SLS to advise them I just received the appraisal and would like to request the removal of the PMI. I was advised to submit a request with my signature along with a copy of the appraisal. After submitting the documents, I received a letter stating they would not be able to use that appraisal and that I would have to pay for an additional appraisal ( an additional {$400.00} ). Also, the letter stated there was an authorization form attached that I would have to sign and send back for them to begin the process of obtaining a new appraisal. To my surprise there was no authorization form so I called SLS and they said I would receive a new authorization form. Three weeks later I am still waiting. I contacted my prior servicer and was told since my appraisal is not 60 days old SLS should be able to use it. At this point I think this is a stall tactic on the part of SLS. Either use my appraisal or provide me with a form so I can request one from your company. Every time I call SLS I get a different explanation. I 'm so frustrated and feel this is deliberate so that the customer will continue to pay the PMI.
NAME : Credit Protection Association ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Website : www.creditprotect.com Scam collection attempt Received numerous phone calls and a letter from Credit Protection Association L.P. Claims I owe money to XXXX XXXX in the amount of {$420.00}. I am positive I never used XXXX XXXX services. 

The letter claiming that my account has been turned over for collections as of XXXX XXXX 2017. Collector is Credit Protection Associates L.P. 

Original Creditor : XXXX XXXX Account Number XXXX Service Balance : {$420.00} Collection Fee XXXX
I have approximately XXXX different loans with Navient in which I requested to consolidate so that my monthly payments get distributed for all of the existing loans. They do this and then a couple of months later. The loans are no longer consolidated for equal disbursement, but rather they only pay on XXXX and have the other XXXX loans listed as payment not due until a later date ( thus making the other loans will be accruing more interest ). I have spoken to them again this week ( per chat if proof is needed ) and again asked them to consolidate all of the loans so that my monthly payments will be distributed to all of the loans. This is the third time I have caught them doing this so that more interest will accrue of the loans that they are not applying my payments to. Please add this as a list of grievances. I have spoken to other students who have Navient loans and they are experiencing the same issues. Because of their actions we will never be able to pay back the loans. Just another deceptive practice on their part. If you do n't keep an eye on your account they will pull this fast one on you.
Alpha Recovery Corp. has contacted family members on their personal cellular phones to discuss debt collection of my personal debt. When they have been successful in contacting my family members, they have threatened and harrassed them. They have also left threatening and harrassing messages on my personal home phone line and cellular phone.
they have been calling me 2 -5 times a week I do not answer because I know what they what.I have told them that I am not working because of health problems & working to get Social Security XXXX for going on years. 
Now they have been calling XXXX year old. 
I know I owe money but right now I ca n't. 
I do n't know what to do.
I have tried to open an account at Santander Bank and according to the Fair Credit Act, Santander Bank may be subjected to legal action due to Santander Bank procedures not to verify XXXX XXXX report. I,  XXXX XXXX verified with XXXX XXXX and XXXX XXXX of XXXX, that my XXXX XXXX XXXX MISSOURI account is PAID IN FULL IN THE AMOUNT OF {$120.00}. I also spoke with XXXX of XXXX on XX/XX/2018 who transferred me to XXXX speaking interpreter, and stated to take legal action against XXXX, with XXXX XXXX as a Co-defendant.
I have a Veterans Administration mortgage with Citi mortgage with an principal and interest amount of {$2400.00} and an escrow amount of {$1000.00} totaling {$3400.00}. 
XX/XX/XXXX we received statement that our payment would be increasing to {$3600.00}. This increase is driven by a new escrow amount of {$110000.00}. This amount seemed odd as our insurance had decreased year over year and our taxes were set to decrease for 2017 as well. At the very least we knew everything would stay the same and that escrow would not need to increase, especially in excess o {$1500.00} per year. 
We continued to make our payment of {$340000.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We had reached out to Citi to get an analysis of the escrow to figure out why it increased. Additionally, in XX/XX/XXXX and XX/XX/XXXX despite having made our payment we were hit with a late fee of {$96.00}. XX/XX/XXXX we finally received an escrow analysis statement and it was factually inaccurate. Additionally, we explained the situation and requested that our late fees be waived since we continued to make payments on time. In looking at our statements the principal and interest we had paid on monthly basis were not applied appropriately to continue the proper amortization despite the fact that principal and interest was fully paid. When we asked specifically about credit bureau reporting we were told that there would not be any since P & I was paid. This turned out to be false information as on XX/XX/XXXX I received notice through my credit bureau monitoring that Citi indeed reported a 30 day late notice. 
I called Citi to file a complaint and they indicated that they were right to file the report despite the fact that we had requested documentation, had been in contact several time and most importantly made timely payments as we had for the last 2.5 years. Upon further discussion it was found that the escrow amount that they are charging was indeed inaccurate and required for sure XXXX adjustment and potentially another once the tax records are reviewed. Essentially meaning that even the XXXX payment may have led to an overage instead of a shortage, basically that by paying XXXX I was not submitting an incomplete payment but an over payment
Company calls multiple times a week, I owe them a debt. I do not have an active account and I have asked them to stop calling. I do not owe them money. 

Contacted me XX/XX/18, XX/XX/18, and XX/XX/18