WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter/statement dated XX/XX/XXXX from a company called Ditech. It did not contain any alleged amount due, or on whose behalf they were collecting for. i called them on XX/XX/XXXX and talked to one of their agents. He said this was an old XXXX XXXX XXXX ( XXXX ) debt that they were acting as a collection agent for. It was either a 2nd or 3rd mortgage. I told him that my house had been foreclosed on in XXXX. I received another letter dated XX/XX/XXXX, which I have attached, that is identical to the first one received. I received a settlement opportunity letter dated XX/XX/XXXX, stating that the amount I owed to them was {$37000.00}, but if I paid by XX/XX/XXXX, I could settle my account by paying half of that amount, which is {$18000.00}. On XX/XX/XXXX I received a phone call from Ditech. I informed the agent that my house had been foreclosed on in XXXX, and that the Statute of Limitations in Michigan to collect on such a debt was 6 years. She indicated that Ditech or XXXX had received a payment from me in XX/XX/XXXX, which meant that the statute would still be valid until the middle of XXXX. I said that was impossible, because why would I have continued sending money on a house I no longer owned. She said that even if the statute had run out, I still owed the debt. I said that they no longer had a right to pursue collection after 6 years. I have enclosed 2 XXXX statements, dated XX/XX/XXXX, and XX/XX/XXXX. The first statement was the last one I could find in my records before I found the last and second statement. The last payment of {$510.00} was made to XXXX, check # XXXX, dated XX/XX/XXXX from XXXX XXXX XXXX. It was cashed by XXXX on XX/XX/XXXX. I have attached my carbon copy of the check, and my statement of account from XXXX. As you can see by the XXXX statement dated XX/XX/XXXX, the amount past due was {$4000.00}. Since my last payment was made XX/XX/XXXX, if you go forward 8 months to the XX/XX/XXXX statement, figuring a monthly amount due of {$510.00}, that would approximately equal the {$4000.00} that I would have been behind. I have no idea how or why Ditech says they got a payment from me in XX/XX/XXXX. Why were n't they pursuing what they say I owed years ago.
This Complaint is in reference to the information provided by the  Collection Agency   XXXX   XXXX   XXXX  in response to my most recent Complaint against the Agency ( #  XXXX  ; see attachments ) regarding the fraudulent debt assigned to it by  XXXX   XXXX   XXXX . I have attached t he USPS tracking inf ormation for Article #  XXXX , which the Agency alleges constitutes proof that I was indeed sent notification by the Creditor via Certified Mail of its plans to impose a claim upon my deposit, as required by Florida Statute  83.49 ( 3 ) ( a ) . Note, however, that this mailing was initiated on  X/XX/2016    -- or more than 2 months after the debt had been submitted to th e Credit Reporting Agencies -- in a blatant attempt to cover for the Creditor 's failure to comply with Florida Statutes well after the fact. As for the Agencys further allegation that Florida Statute 83.49 ( 3  ) ( a ) does not apply in situations where the tenant has " abandoned '' or " vacated '' an apartment, clearly the fraudulent notice sent by the Creditor via Certified Mail -- which must have been intercepted by the Creditor itself ( also a violation of Federal Law ) in an effort to prevent me from obtaining proof of its efforts to circumvent Florida Statutes, or else it would have been forwarded to me at my grandmothers residence, as specified in my change of address Confirmation -- is indicative in and of itself that Creditor is keenly aware that the concepts of " abandonment '' and/or " vacating '' are not applicable when the Courts have evicted a tenant and ordered the loca l Sheriffs Office to take possession of an apartment on behalf of the landlord, as the Collection Agency has freque ntly pointed ou t (  see attachments ).
I was promised that this account would b eremove from my credit if i pay it. i did and they did not remove it
After sending a validation of debt letter to said company, i received a form asking for me to release my medical records to them so that they can provide me with what they used to verify the alleged debt. If i have to sign a release form so that collectors can prove a debt is mine, how was the debt ever verified? This company have not sent me any validation to this date but have a reported on my credit report a debt, that i have to sign for them to verify. This said debt does n't belong to me. I want physical proof of the original bill that they used to verify debt. not a request to release my medical records, thats inhumane, and an invasion of my privacy to ask for such. If they could verify the debt is mine they would n't need a release form, therefore they are reporting unverified information to the credit bureaus violating FCRA. Do not respond to me via email, mail, or phone, all response is to be via this website. Please upload proof of validation to this site or remove from all 3 credit reports. Thank you
I received what was sent by equifax which had things written stated back to XXXX/XXXX/XXXX FAD XXXX/XXXX/XXXX serious delinquency and Derogatory public record or collections filed time since to recent or unknown number of accounts with delinquency proportion of loan balances to loan amounts is too high. 
in review it is clear that my loans are not in delinquent status and that I have paid off or things have fallen off in time. Why am I been judged for 30 years ago when your credit report suppose to show 7 years and Equifax is making this statement with dating back to XXXX. 
It is very clear that this is ' Defamation of character ' This has a detrimental impact on my welfare and existence in society. This is impacting upon my civil and constitutional rights as a consumer and straw number holder. I conveyed my feeling in a professional manner and there has been little change to my score to show otherwise of the defamation of my character as a United States citizen. I await the opportunity to share the document obtained in my effort to purchase a used car with XXXX XXXX in XXXX Georgia.. This must be resolved. In attached you can review the document.
We had a false charge on my a/c. the bank charged overdraft charges. the actualcharge was reversed.but od was not. They levied more than {$100.00} in charge andmade the a/c negative.In the negative state a {$97.00} insurance charge was honored. 
Thus the total actual charge was {$97.00} and o/d charge was more than XXXX then theyadded anathor {$70.00} and closed the a/c. we have chased them for XXXX yrs to settle the a/cbut they claim to have sold it to XXXX XXXX XXXX. BUT XXXX does nothave the a/c. so what do i do.bank is non cooperative. But they have reported me XXXX for their charges
I received a re-investigation from Equifax. I requested that XXXX XXXX XXXX ( XXXX  ) reporting be verified. The date of the last payment is not reported. The months reviewed is not accurate. I am requesting the method of verification. Equifax is reporting this account without a date of last activity, therefore Equifax is re aging this account. This account has passed the 6 years statute if limitations ( SOL ) in  Tennessee. Equifax continues stating the account date of last activity is verified yet left the information blank on the report.
I experienced fraud from someone pretending to offer me a virtual assistant job. This person tried depositing XXXX XXXX dollar checks into my account. So I called the bank to notify them I was experiencing fraud. To not let this person deposit fake checks into my account. The bank told me everything was fine and it would n't and sure enough two days later my account showed that I overdrafted my credit card account. I called their office trying to figure out what happened and all they did was put me on hold constantly and say that it was n't their department. I have paid the minimum for 3 months now to avoided being ill charged even further. It infuriates me knowing that I am being swindled out of XXXX dollars I do not have.
I financed a vehicle through American Credit Acceptance and XXXX 18 months ago. The vehicle turned out to be a lemon. Two weeks after purchasing it, I had to take the vehicle back to the dealership for major repairs. Those repairs were again repeated two weeks after that. Over the course of one year, countless repairs were completed on the vehicle. In most of these situations, the vehicle had to be towed raking up additional cost. One year after the vehicle was purchased, the vehicle was deemed inoperable. It requires an engine to operate, approximately {$2600.00}. XXXX refuses to deal with the situation and American Credit Acceptance has been impossible to work with. The value of my vehicle is {$200.00} according to XXXX and ACA is requesting a minimum of {$3500.00} in 15 days. The co-borrower on this account is XXXX and such a lump sum is a ridiculous ask when you are caring for primary medical needs. 

ACA is the absolute WORST finance company to finance a loan through. They have predatory lending behaviors and have already been sued by the state of Mass. for these very things. 

Every time we called, we received a different story-line, countless careless employees, and was even refused service by a member of " upper management ''. 

Below are a list of employees I worked with : XXXX ; provided false information XXXX ; repeatedly stated that there was no flexibility XXXX ; refused to service us XXXX ; threatening to hang up the call
I had fraudulent charges made on an account I used to have with well 's Fargo, ( XXXX XXXX XXXX, MN location ). I disputed the charges with the bank, but they never resolved the issue and claimer they believed I made the charges. I even filed a police report about the charges, and contacted the MN XXXX, but Well 's Fargo responded over and over claiming they believed I made the charges. They also put this as a negative mark against my credit score and had a debt collection agency contacting me. The debit card claim number for my dispute over this ordeal is XXXX. A total of {$3400.00}. 

I felt like I had nowhere else to turn, until I recently found out about the CFPB. I have the copy of the police report, and copies of the report I made to the MN XXXX, along with the response letters from Well 's Fargo.
I was affected by the Equifax breach. I am writing so that there is a formal complaint on record that their handling of consumers ' private information is unacceptably lax. There should be much more oversight of credit reporting bureaus ' attempts to safeguard consumers ' information.
Bridgecrest Credit is currently reporting that my account is past due. This is incorrect. It is delinquent because of an error that they made. My pay-dates changed, and I advised them to adjust my payment schedule accordingly. Despite requesting the change, they did not adjust the payment schedule resulting in the problems with the payment. They know its their fault.
On XX/XX/XXXX I paid {$1000.00} to a transport broker to pick up a XXXX XXXX in XXXX Tx and deliver it to XXXX Ca. I have a signed contract for the transport. The transporter could not deliver to the destination we agreed and I was forced to rent a XXXX trailer then drive to XXXX XXXX where I met the transport at a pilot truck stop. The driver said the car was low on the front end. After inspecting the car it was obvious the car had been damaged as it was sitting on the wheels. I asked him how he got the car on the transport and he just said he drove it. I had a friend with me and at XXXX on XX/XX/XXXX we watched the driver damage the vehicle, scrapping the undercariage and tearing off some hydraulic lines. There were puddles of hydraulic fluid under the transport and the car. I asked him what he was going to do about the damage and he said just note it on the bill of lading, which I did. The drive did not have the " origin '' side of the bill of lading filed out and there was nothing written anywhere on it. After I made comments about the damage he wrote some things on my copy however there was no witness signature. I contacted the merchants insurance company XXXX and after their investigation they determined there was {$1900.00} in body damage, no estimate yet on the suspension problem, and {$130.00} reimburse for the XXXX. The adjuster noted she was not sure why they did not deliver to the agreed upon destination in her correspondence to me. Their failure to deliver constitues a breach of contract and I disputed the {$1000.00} charge on my credit car for breach of contact and failure to provide the services i paid for. The credit card company is reviewing for the third time now. The first decision was the merchant had an appropriate authorization code. I told them I was not disputing and code I was disputing the fact they did not provide the services I paid for in addition to damaging my new vehicle. They denied it a second time for documentation. I sent copies of the contract with the merchant stating XXXX CA as the destination as well as XXXX contract, the bill of lading with my comments concerning the damage myself and XXXX XXXX watched the driver do to the vehicle, documents from the XXXX adjuster concerning their liability and she even states in one document she was not sure why the merchant did not deliver the car to the agreed upon destination. Everything was filed timely and with the appropriate departments. The credit card company is in the XXXX and they aren't able to understand what the issue is. The issue is I did not get what I paid for, as well as they damaged the vehicle in transport. They are currently reviewing the case for the third time and I do not think they have the ability to see the legality of the contracts and agreements that were made and broken according to us law. Please help, Thank You
TD bank has suddenly blocked access to multiple finance applications. I am unable to link my bank account to XXXX, XXXX, or XXXX just to name a few. I need these applications so that I can invest and save my money. I was able to link my account previously so this is definitely something new. I no longer am able to automatically save and invest my own money and that is not fair.
I am being overcharged ( Corparate Advance Fees ), Home Preservation Fees. My home is being evaluated up to XXXX times this year alone, and I am being charged those fees. Is this really necessary? When getting an appraisal, I know that XXXX is enough. Please help. Could I at least have proofs?
Like 3 year 's ago with  XXXX   XXXX . They said that I owe Credit Collection Services  XXXX  never ever had that much money in the bank ever.   I am on there list. Need my own checking account!   The address is  XXXX   XXXX   XXXX   XXXX , Ma  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX  Email is  XXXX  XXXX  XXXX  I read a lot on them they are bogus also. Found a lot of information on them from other web sites. From other people on it also!
On XX/XX/XXXX I changed the bank account that my XXXX XXXX XXXX XXXX used for automatic payments. I never ended the automatic payments ;  I only changed which account they are paid out of. The company is claiming that there is a one month delay in automatic payments whenever a change is made, which is disclosed in tiny print when you update your account. I did not see this note. My payment was due on XX/XX/XXXX, because of the one month delay from the change of account a payment did not occur. I saw this on XX/XX/XXXX and  immediately made a manual payment for the full statement amount. They have now assessed me a {$25.00} late fee and {$48.00} in interest. All of this occurring while I have been continually enrolled in automatic payments. I contacted the company and they are unwilling to do anything about sending me multiple form responses. Their system is clearly set up to make changes to automatic payments confusing and hope that they can then collect a late fee. I find this to be dishonest and unacceptable. I just made the same account change with another card company and there was no one month delay.
My current mortgage is under my name and my XXXX XXXX XXXX name. I have applied for a qualifies assumption to have the mortgage in my name only and have followed the banks directions. I started the process in XX/XX/2018 and was told that it will take 60-90 days. Bank of America keeps asking for different documentation and documents that they know it is not available. Then they closed this application as incomplete in XXXX knowing that the court document won't be available 2 weeks later. Now the application is open again. They again asked for documentation that is not available because this case is in court. My credit very well qualifies. The bank has qualified me for a full refi ( closing costs over { {$5000.00} } ) so my suspicion is that the mortgage assumption is not as lucrative as full refi which I do not wish to pursue, please help me. If I started a refinance application with another bank, it would only take 30-45 days. It has been 5 months and the application is not approved.
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
THIS ACCOUNT IS A fraudulent ACCOUNT please removed XXXX XXXX # XXXX XX/XX/XXXX -- / -- XX/XX/XXXX {$7800.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
XXXX XXXX transferred my mortgage to another company around XX/XX/2018. This was considered a transfer, this has happened before and should not have been a big deal as XXXX is getting out of the mortgage business. TransUnion reported this I was closing my account and so my credit score was reduced ( Number of accounts and average account age declined ) I called XXXX to understand what happened and then I called new loan company XXXX XXXX. I called XXXX and XXXX both reported my account in good standing. I called TransUnion and they say they can tell me nothing but they see no new status. I am now in limbo, my score dropped in XXXX/XXXX, I know the only factor that impacted it and yet no one can seem to do anything about it. 

I want my credit score to reflect that I have had the account for over 6 years and have never missed a payment. Not that I closed an account and now have an account that is 2 months old.
American Education Services based in XXXX, PA has been servicing my student loan for approximately 7 years ( it was sold to them by XXXX XXXX ). Since that date, my principal balance has not dropped under the original loan amount of {$20.00}, XXXX. Every time I call AES to clarify these details I 'm told " I just do n't understand how interest works '' and that they 've only been servicing the loan since XX/XX/2015. I 'm never allowed to speak to a Supervisor and am told if I need more information I should contact XXXX XXXX. I 've paid over {$17000.00} towards this loan. My last statement says I still owe {$20000.00}. XXXX XXXX does n't even have a student loan program anymore so it 's virtually impossible for me to contact them for the details as AES has suggested. Based on internet complaints, I am NOT the only person in this situation. I just want to know where all my money has gone. They have harassed me by phone and mail claiming my payments have been late. After proving to them that my payment was made on time, it turns out they just had n't processed it on their end. These practices must be stopped.
XXXX partnered with Citi to issue a branded credit card. One of the benefits of the card is priority boarding. After reading the fine print, I applied, was approved, I received and used the card in accordance with their rules. I am now taking a trip, and I do not have the priority boarding. They tell me I had to purchase the ticket with the branded Citi credit card. However, there is nothing I can see in their fine print saying that.
Frauding scams frauding my XXXX and XXXX and XXXX documents in XXXX PA shown fraud scams in XX/XX/XXXX time frame using log cabin XXXX XXXX Then others frauded my XXXX familys documents with XXXX XXXX None of those documents are from Pennsylvania state None live in Pennsylvania. State of any of these years Last time I was in Pennsylvania state was XX/XX/XXXX time frame But I went to XXXX high school in XX/XX/XXXX for 9 months before moving back to XXXX Indiana Indiana Others put in XXXX Pennsylvania frauding my XXXX Indiana high documents Federal not interested in Pennsylvania state and federal refuse any date offers from Pennsylvania state and won't marry into the state..

Pennsylvania state didn't own new York state one health department of XXXX XXXX XXXX from new York state of my birth father, Pennsylvania state doesn't own my XXXX county Indiana birth certificate attached to XXXX Indiana Indiana serial numbered documents of superior court of XXXX county Indiana, Pennsylvania state don't own my family 's XXXX serial numbered documents of XXXX Indiana attached to my grandma documents of prior home deed and marriage and divorce serial documents Frauding scams frauding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania state is not the owner of my grandma grandma or mom 's documents of XXXX death record and my great great grandparents have never lived in Pennsylvania state. 

Frauding scams using death record of XXXX XXXX married to XXXX XXXX sir name of XXXX a XXXX Indiana corners record and there last home which they owned was in XXXX AZ, but both barried in XXXX Indiana serial numbered grave and as serial numbered corners records.. private furnal..
I've been divorced a couple of years now and I've changed my address twice. At one time my husband and I had joint accounts with TD Bank but not since our seperation in XX/XX/XXXX. I am at my current address over a year now and TD Bank have been mailing credit card applications to my Ex-Husband at my address. I have received 6 since the begining of XX/XX/XXXX