WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2016 My name is XXXX. I applied for a mortgage for a new construction condo in XXXX from Citizen 's bank back in XX/XX/XXXX of this year. My mortgage was approved and I was to close on XX/XX/2016. As of this date, I have still not closed. 

I sold my home to my daughter and son-in-law back in XX/XX/XXXX and they secured a mortgage for their home in XXXX through Citizen 's bank. I could not close on my condo until they closed on their house since I am using the money from their closing for the down payment for my condo. 

We utilized the same bank and the same loan XXXX to make the transition easier. The process for this loan has not been close to be easy. It is not that I do n't have experience with mortgages : my home that I sold to my daughter was financed through Citizen 's bank, I remortgaged my loan a couple of times through Citizen 's bank and I bought my second home in Maine with a mortgage through Citizen 's bank without problems. 

At the beginning ( the first day XXXX the loan XXXX ( XXXX XXXX communicated fairly well with us to secure the loan and after that, communication rarely happened. Then XXXX ( I am not sure of her title ) began working on the loan and has helped me at times and has been picking up where XXXX has left off. XXXX has been very little throughout this entire process in which I then contacted XXXX 's boss, XXXX who did not respond to my emails. I then found XXXX 's XXXX 's name, who I believe is the Vice President at Citizen 's Bank. She did email me back to say that she will get back to me. She did not, but instead a gentleman by the name of XXXX email me. He did help me a few times and I could get some information from him. Then I did n't hear from XXXX any longer. 

I have gone up the entire chain of command at Citizen 's bank with very little communication. My closing attorney 's office has done much of the communication. XXXX from Attorney XXXX 's office checks in every couple of days to everyone in this process. XXXX and those involved with Citizen 's bank has done very little. It is I who sends out email on the status. It is I who checks in routinely. It is I who asks what documents are needed. This has become a full-time job for me. I have made complaints to my local bank 2 months ago and XXXX XXXX stated that she will file a complaint on my behalf on Friday. 

As of Friday, I was told that the condo association needed to send more documents XXXX which they did that day ). Over XXXX weeks ago I asked specifically XXXX and XXXX XXXX, XXXX, XXXX and XXXX, I was given information on the specifics that needed to be submitted. Then XXXX called me on Friday and asked for more information. 

The condo that I am buying is new, but the division that it is built in is not new and has been there since XX/XX/XXXX! In the last XXXX months, there have been XXXX more condos that have been bought and closed with different banks! My bank keeps asking for more information!!!!! 

I have been living at my daughter 's home since XX/XX/XXXX when this was supposed to be closed. 

Please help. Thank you. 
XXXX XXXX
I have been trying to correct problems of incorrect information on my credit report, from XXXX, XXXX and Equifax Credit Reporting Agencies, I have told these reporting agency that some information of these reports are incorrect, but they refused to take off this incorrect information, this is very upsetting to me, when I know that this information is wrong, They also have old accounts older than 7 years reporting on my credit history and I have closed and paid out accounts and they are still showing on my credit report, I want these accounts off of my credit because they are paid and closed. The credit reporting agencies are reporting false information and just do n't want to remove these accounts from my history. I am tired of trying to get these issues resolved and this is why I am writing to you for help. This is unfair and I want something to be done about this. Please, help me to get these situations resolved. Credit Reporting Agencies are suppose to report accurate and correct information, when they report false information on a report, it effects the status of our credit score. Also I am also having problems with one credit card company customer service workers who keeps adding a late fee on my credit card and I am never late in paying on time. As a matter of fact I pay over the amount due each month and always pay before the due date. One customer service representative, told me the reason I got a late fee was because I paid too early. Who have ever heard of such a thing like this. This is CRAZY!! Each time that I called this company they try to justify why I owe the late fee, when I threaten to write a letter to the Attorney General and complain then they take it off. I am so sick of these Customer Service Workers trying to get money unfairly from consumers who are working hard to pay their bills and then are getting this kind of treatment. Yes, this is unfair and unlawful for things like this to continue. If every consumer would do more complaining these kinds of practices will not be happening. Help! Help! Help!
A divorce decree was put into effect of XXXX XXXX, 2014. Courts ordered that XXXX XXXX XXXX is responsible for the mortgage. I have attempted resolution with US bank and they declined all attempts to remove my name from the mortgage. This is effecting my ability to own or purchase my own home due to his negligence. I have attempted to contact him on multiple occasions but refuses to assist me. The IRS also took my money on debts that he owes.
Avant is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore Avant is reporting incorrectly on my credit reports.
That Transunion needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX
I have received numerous calls and letters stating I owe a debt I do not recognize. The company, IC Systems refuses to provide proof in the form of an original bill or contract. This company has also called my brother, my parents, and my work leaving personal messages about the alleged debt and threatening " action '' if I do not respond. 
The most recent letter is dated XX/XX/2018. The phone calls occur daily.
The item in question was a medical debt that was processed by the debt collection company 's client. Insurance for this medical claim was covered via XXXX and is being corrected by the hospital, but Collection Consultants is refusing to follow California law which states as follows : Welfare and Institution Code, Section 14019.4 ( e ) If a patient provides proof of XXXX eligibility to a debt collector, and the debt collector fails to notify the provider of this proof, the provider shall not be responsible for ensuring that collection efforts against the patient cease pursuant to subdivision ( d ) until either the patient or the debt collector provides the provider with proof of the patient 's XXXX  eligibility. 
( f ) A XXXXXXXX provider or debt collector shall be deemed to be in violation of subdivision ( a ) of Section 1785.25 of the Civil Code if more than 30 days after receiving proof of XXXXXXXX coverage the provider or debt collector does either of the following : ( 1 ) Furnishes information regarding the rendering of the XXXX covered services to a consumer credit reporting agency.

( 2 ) Fails to provide corrections of, or instructions to delete, as appropriate, information regarding XXXX covered services previously furnished by that XXXX provider or debt collector to a consumer reporting agency. 

Also, Collection Consultants has been supplied with a copy of all communications with the hospital, showing XXXX coverage was in effect for this claim. Per our call to Collection Consultants on  X/XX/18, they refused to remove the item despite being supplied with the documentation. 

This item needs to be removed immediately.
On XX/XX/2016, I went to an ATM at the Chase Bank on XXXX in XXXX, NY to make a withdrawal for {$460.00}. When making the withdrawal, I took to long to take the {$460.00} out of the machine and the ATM took the {$460.00} back. I did not receive the {$460.00} from the ATM. I have been calling Chase 's claims department for almost XXXX weeks trying to have someone apply the credit back to my account. Every day that I call, the representatives continue to give me different time frames about when I 'm going to receive my credit. I just want my money applied back to my account. Can someone please help me???
For the past 4 months, my mortgage company has returned payments for XXXX accounts I have with them because there was a past due amount that I did n't know about and therefore my payments were not enough to cover. I spoke with a rep with the mortgage company on XXXX XXXX to try to come up with a plan to get caught up. We set up a 5 month payment plan, verified the first payment amount, and he made sure I had the receive code to send the first payments through verified funds. When I was having trouble sending the payments, I called OCWEN and was told that the payment plan was not actually set up, that a manager call back was scheduled ( that I was not told about ) and that both properties are now in foreclosure status. In addition, there has been someone going to the property I rent out and harassing my tenant, telling her about the mortgage being behind, and telling her they would go out there every month until the debt was paid.
This company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contactec to verified this debt. 
I am a litigious consumer and intent to use my right to clear my good name.
Filed a dispute with Experian asking for verification of accounts on credit report, I received a letter stating the accounts were verified and when sent a second letter asking for results from verification ie : who was it verified with, name of persons that verified the information. nothing was provided back besides a letter stating it was verified and would not pursue further. XXXX removed/deleted a collections account from my credit report and without any notification stating it would be added back on or anything else the att collection was added back under XXXX for {$1400.00} Account control bureau has been asked for verification on debt owed and HIPPA letters has been sent to them and it has been more than 30 days and they have not sent anything.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WV XXXX ( XXXX ) XXXX COMPLAINT AGAINST : VIOLATION : Great Lakes FAIR DEBT COLLECTIONS PRACTICES ACT XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX LIABILITY SECTION XXXX ( XXXX ) XXXX ACCOUNT NUMBER : XXXX CONSUMER FINANCIAL PROTECTIONS BUREAU, I am reaching out for some help. Here is my complaint. Great Lakes is in violation of the FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ). 

I have requested that Great Lakes provide me with an original version of the Master Promissory Note in its complete and original form for a debt that they claim I owe them. I have requested this item via certified mail with return receipt, fax with receipt, email, and phone calls. My first communication was sent on XXXX. They have sent me a copy of a signature page with a signature that looks like my signature, but I do not recognize the document nor do I remember ever signing it. The rest of the document is missing. Great Lakes cant find any of it except the page with the signature. Basically they have one sheet with a signature and no pages with any identifiable details on it. They are trying to make me pay them over {$7000.00} with a promissory note that is missing sections A-D and has no identifiable data with it or any terms to an agreement. They refuse to send a letter of deletion to the bureaus even though they do not have a complete contract and the paper that they do have, does n't have any details like address, DOB, Social Security Number, Name of School Attended, Loan Amount, ect.  They only have a page with a signature. 

I am asking for help because I feel like this business has violated the FDCPA by not providing sufficient documentation and not removing the account from my credit report after I have sent various requests in several forms for them to either provide sufficient proof of the debt or remove the account. Instead they have decided to stick to their guns and claim that the page they sent me is sufficient proof. I have sent the page of the promissory note that they sent me. They have told me that they do not have the rest of the contract. I spoke with an attorney today and showed them the document and the attorney told me that the page they sent me is a legal document but it would not hold up in court because it does n't have any information or terms. I have repeatedly asked for the rest of the document and they have repeatedly refused to do anything. I have a ton of documentation of my conversations with them in the form of certified letters, fax, phone, email, and etc. I have attached just a few to give you an idea of what I 'm dealing with. 

Please help me resolve this matter and clear my name and my credit worthiness. If you need anymore details, then please ask. 


Thank You, XXXX XXXX XXXX XXXX
On XX/XX/2018 we realized that someone had stolen checks from our business account and cashed three checks in three different locations. BB & T did not contact us that there was fraud against our account and we would have not known if we didn't check the account religiously. We immediately called BB & T. We were told by customer service that there was nothing that they could do and that we needed to shut the account down and open a new one. I immediately got off the phone with the bank and went to my local branch to close the account. The banker informed us that we could not close the account until the fraudulent transactions where credited back to our account. They were not helpful at all and did not care that we were frustrated that someone stole money from our account and we were not notified by our bank. They just kept saying that we needed to contact the fraud department and work it out. Well, 3 weeks have gone by and we are still missing one credit for the amount of {$270.00} authorized on XX/XX/18. Today on XX/XX/2018 I went back into my local branch in XXXX XXXX, South Carolina to see why our money has not been credited back yet. Keep in mind that the person that stole our checks signed his name and didn't even try to forge a authorized users name. I spoke with the banker who was very rude, rolled her eyes at me several times because of me expressing my frustration and proceed to tell me that there was nothing she could do that we needed to be patient. BB & T has a policy that after 10 business days they stop the investigation. Its been well over 10 days. The banker even asked the fraud department the same question and they said that it takes time and we needed to wait. No one can give us a straight answer as to why its taking so long for the refund. BB & T employees have admitted that this should have already been resolved as the check was clearly signed by a unauthorized user. I think that 3 weeks is plenty of time to figure this case out and should refund our money immediately. We feel that we are being mistreated as customers and just want this issue resolved so that we can close this account.
I paid off the loan -- in full -- on XX/XX/XXXX ; that's the day XXXX delivered the check. XXXX XXXX XXXX claims they didn't credit the account until XX/XX/XXXX. 

XXXX XXXX XXXX told me it takes them 30 - 45 days to update their system ( which is outrageous because they IMMEDIATELY report if I miss a payment ). 30 days from receipt of the payoff check would be XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX was still reporting the loan open and now 90 days late. On XX/XX/XXXX ( after 45 ) the account was still listed as open and 90 days late on my XXXX  report. 

As of XX/XX/XXXX, XXXX XXXX XXXX still reporting the account as open and late to XXXX  and XXXX ; thus harming my FICO score and my individual credit rating at XXXX  and XXXX  at 60 days since I paid off the balance.
I have contacted Navient my student loan server beginning XX/XX/XXXX regarding my student loan debt. I continue to get the same response of high interest and lack of non payment. I informed Navient that I was a public service employee since XXXX and have not received any loan forgiveness or loan reduction. I request loan information from the school and the Department of Education. It does not show how my loans have matriculated to more than XXXX. I believe that Navient formerly Sallie Mae steered me towards multiple forbearances and deferment due to my low income and provided unclear information about how forbearances and deferment would affect your student loan debt over a period of time. They were misleading to incur additional dollars from interests from student loans. I also I indicated I sent in several public service applications and up until last year I was advised to contact the department of Education to again consolidate loans. It is a game of catch up by Navient in advising the borrower to consolidate loans to start the process all over again.
After closing an account with XXXX XXXX and sending in final payment. The account was sold for a balance that does not exist. I am being harassed day in and day out by this debt collection company for a debt purchased that was already settled in full.
On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau XXXX CFPB XXXX, which was subsequently turned over to the Federal Trade Commission-FTC, complaint # XXXX. The complaint was based on the fact that American Collections, called my residence several times and requested my social security number and my address over the phone. I refused to provide the information and in turn requested that they provide me with written debt validation as required by the Fair Debt Collections Practices Act XXXX FDCPA XXXX. After repeated requests to the collection agency to provide written debt validation, I filed the complaint with CFPB. When I did n't hear anything else from the company after filing a complaint with CFPB and did n't receive the validation required by FDCPA, I believed they were a SCAM, because no legitimate company would ask you for your social security number over the phone. It was not until I ran my credit in XX/XX/XXXX, that I realized that this company had placed a collection account on my credit report for some type of medical bill. 

Upon learning of the collections on my credit files, I contacted the credit bureaus in XX/XX/XXXX to dispute the account. After a thorough investigation, the credit bureau deleted the account from my credit report in XX/XX/XXXX, because the debt collector failed to validate the debt when contacted by the credit bureau. 
At this time, I am submitting another complaint against American Collection based on the Prohibition of Unfair, Deceptive, or Abusive Act or Practices in the Collection of Consumer Debts. On XX/XX/XXXX American Collections appear to be threatening to start this harassing cycle all over again. They began calling my house again, but to this day have never sent any written verification of this debt. I have gone through the proper process of disputing this file and getting it removed from my credit report and they continue with the abusive collection processes of asking consumers for the social security number and other pertinent information over the phone. These illegal tactics have jeopardized my ability to attain an acceptable credit rating after XXXX years of flawless credit. 
In addition to filing this complaint, I have mailed ( return receipt XXXX a letter to the creditor asking them to mark any submission to the credit bureaus or other parties as disputed. 
In my previous complaint, I was told by CFPB that you could n't send my complaint to the company because they had not been registered by CFPB and that my complaint had been forwarded to the FTC and entered into the XXXX. At this time, I am asking CFPB to register American Collection to ensure proper handling and adherence to consumer protection policies and procedures. I am also asking that CFPB and/or FTC contact the company and required that they stop harassing me and to remove any derogatory markings from my credit files. In addition, I am asking that CFPB take the necessary actions with FTC to investigate American Collection for violations of FDCPA and UDAAP.
Paid off several credit cards and only have a balance of {$6.00} on another one.

Also, the card with a balance of {$6.00} increased my limit which I haven't used.

XXXX XXXX is paid-off, XXXX   XXXX XXXX is paid-off.

XXXX XXXX Balance {$6.00}, and one item was deleted after which Transunion dropped my credit score by 43 points, my score was XXXX and should have gone up to XXXX   instead went the other way. XXXX XXXX has been paid off and should be deleted on my report since XX/XX/XXXX, XXXX XXXX should be removed on my report since XX/XX/XXXX and closed, XXXX XXXX   was transferred on XX/XX/XXXX Needs removing. XXXX should be removed from the report since XX/XX/XXXX.

All three XXXX XXXX loans were purchased by another lender should be removed.

XXXX XXXX XXXX was sent a letter asking for validation, they removed But added it back, they didn't validate this debt within the 45-days under the FDCPA, therefore, it should be deleted for good.
I received a telephone call from PMAB , LLC of XXXX NC on XXXX/XXXX/15 notifying me of alleged medical debt. After verifying my address and phone number, I informed the representative that I would like proof of the debt and that I had no intention of paying the alleged debt until I was shown proof. He told me he would send proof. I subsequently received a " XXXX % Offer Letter '' dated XXXX/XXXX/15 ( which is not proof ), and missed phone calls from PMAB 's number XXXX on XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ), and XXXX/XXXX/15 ( XXXX ). At no time did the company leave a message or identify themselves via voicemail. On XXXX/XXXX/15 after receiving the final missed call from PMAB, I contacted PMAB to obtain their fax number for correspondence. I was given XXXX which I confirmed with the XXXX. I drafted a cease and desist letter and faxed it to PMAB on XXXX/XXXX/15 XXXX. Fax confirmed the transmission was successful. Subsequent to the faxing of my cease and desist letter, I received yet another phone call from PMAB XXXX days later on XXXX/XXXX/15 ( XXXX ). This time, a message was left. I promptly returned the call and spoke with a female representative who informed me she was calling regarding " medical debt. '' I informed her that PMAB was in violation of the Debt Collection Practices Act because I had previously faxed a cease and desist letter and yet received another call. She stuttered for a moment and stated " well that letter is n't in your file ... it must have gotten lost on the fax. '' I told her that I would be filing a compliant with the FTC to which she responded with " yeah, well, that 's fine ... whatever '' and then promptly disconnected the call.
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX  ( Original Creditor : XXXX ) XXXX, what's even worst, the account is reported twice on my credit report