WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2015 I went to the XXXX XXXX check into cash building. I paid XXXX as a settlement agreement for my XXXX remaining balance on my vehicle title loan. I never heard from this company again. 
Then on Wednesday I get a call am from a man named XXXX asking for me by full name never mentioning he was calling from check into cash in Nevada. I was in a meeting and my assistant called him back and he was unavailable she spoke to a woman who didnt give her name who started saying I HAVE not HAD a title loan with this company ... when my assistant told her point blank I was in with a client and she was my assistant. So A ) they have no right to speak to anyone about any sort of loan ive ever had with them to anyone but me. Then she started asking my assistant for my address and where I lived and my assistant was totally freaked out. The woman told my assiatant she is in nevada and with check into cash. B ) they have no right to ask personal questions about where I live or what my address is. When I called back I spoke to a woman and told her I was recording the line to whi h she responded she was recording but she wasnt allowed to speak on a recorded line told me I never paid them and they will have the police find me and arrest me and make sure I pay for stealing from them. I told her everything they are doing is illegal and I was filing a complaint. They cant have the police come and arrest me when I paid them 3 years ago. Why wasnt I informed of an issue at any point over the last 3 years?!?! She hung up.
My name is XXXX XXXX. I inherited my grandmothers home which is in a current short sale process. The loan originated with XXXX and the service provider is Bayveiw. The address is XXXX XXXX XXXX XXXX, XXXX, Fl XXXX Loan # XXXX I have been in contract for over 2 years trying to sell this property. The previous purchasers backed out when we found out there is over a {$32000.00}. tax lien and a fraudulent deed was recorded and a quiet title suit is required. I do have an all cash buyer who is willing to take these issues, and we sent an all cash offer over a month ago. The loan was reassigned from XXXX XXXX to a asset manager by the name of XXXX XXXX. She has not returned any of my calls nor has she returned calls to the attorney of XXXX who has been diligently trying to close this problematic transaction!!! Since then Ive dealt with squatters and had the XXXX XXXX electrical inspector shut electrical to the property because the squatters bypassed the fuse box and hard wired the home which was a fire hazard. Now the purchaser has the additional expense of bringing the entire electrical service up to code. Im frustrated because the tax lien is accruing interest daily and no attemp for communication has come from the new asset manager to assist us to sell the house. Its very strange because the between the huge tax lien, a quiet title action, over {$100000.00}. Repairs to the house and no C/O its defineately in everyones best interest to close promptly. This has been the most horrible experience over the last two years where weve had numerous other problems with Bayveiw if you want to check the history, Ive filed two other complaints which were resolved because of your involvement. I would appreciate any assistance on this matter greatly. My mother has stage XXXX XXXX and I am a single mother of a XXXX year old. I take care of them both. It would be a tremendous load off my shoulders to get this house sold and closed!!! 
Sincerely, XXXX XXXX
On XX/XX/XXXX I went to the bank of course XXXX Wells Fargo XXXX Georgia XXXX XXXX a check was Wireless deposited into a bank account and without the permission of the owner of the check the account owner lied to the check on her stating that it was needed for other reasons and I then went to the bank and ask if I had a check and their bank Wells Fargo XXXX Georgia XXXX XXXX and I was then greeted Buy the supervisor on duty and she took my license and within seconds she asked me several different questions that I have a car number that I know where the check come from that I know how much the check was I didn't told her no but I supposed to have a check in this Bank wrongfully secretly deposit Wireless without my permission then the owner then stated company policy which is the bank is they can't deliver any information about anyone account without legal documentation so I went to the Sheriff 's Department in XXXX County XXXX Georgia XXXX and ask law enforcement what would be the proper procedures of retrieving the check that was deposited transfer or instructions in how to take legal actions they toad me I will have to go back to the bank and get a fraud affidavit I then went back to the bank and requested a fraud affidavit and was denied buy a male secretary in the bank and I have a witness that was present during the denial and the referral back to the Sheriff 's Department XXXX County XXXX Georgia I then renounced and see other advisement of solving this problem I am streaming disappointed stressed out and I need this resolved thanks have a wonderful day be blessed and the dates will be the XX/XX/XXXX. XX/XX/XXXX. and then the XX/XX/XXXX. XX/XX/XXXX this will conclude my statement
The XXXX got a contract on their house XXXX XXXX, 2016. In the contract it indicated closing would be XXXX XXXX, 2016. No one heard any different until the day before, XXXX XXXX, 2016, when their buyers were told there would not be a closing on that date. The XXXX, their XXXX XXXX and myself had packed everything up, with the XXXX 's and the XXXX loaded in moving trucks to proceed with their moves on the XXXX. The next date they were given was XXXX XXXX, 2016, which did not happen, then XXXX XXXX, 2016, and now we are being told maybe XXXX XXXX, 2016. As a result all XXXX families involved including children have had to make other living arrangements, have incurred additional cost of hotels, meals, time away from their families and bills from the move that ca n't be payed until these houses are closed on. When contacting XXXX Mortgage XXXX XXXX XXXX and his supervisor XXXX XXXX XXXX the only explanation is they have been busy. When dealing with families lives in such a big way they have no regard for all the inconvenience they have caused due to their lack of imcompetence, in handling multiple loan applications. The fact that they did not communicate the delay in the first closing date until the day before is unacceptable. We have all suffered financially and continue to do so because of their imcompetence. I would be happy to hear from someone who can shed some light on this situation and bring reimbursement for the losses. XXXX XXXX
My car was totalled in an accident back in XX/XX/2016. After the insurance company and GAP company paid off their parts. Consumer Portfolio Services contacted me stating I still owed aproximately {$110.00} due to late fees. As of XX/XX/2016 I received a call from CPS at XXXX, outside the normal times debt collectors are able to call. 

I could sue them for violation of the calling rules.
ERC had been contacted along with their client, numerous times by me in attempt to resolve this issue but have been ignored and this false negative report is and has prevented me from getting the needed score to obtain loans for my business, which is and has been leading to ongoing losses in my business.
In XXXX of this year I applied for a student loan consolidation with Wells Fargo to get a lower interest rate. My current loans were already with this bank, I had a good credit score and a cosigner so I figured it would n't be a difficult process. I was wrong. They offered an extremely high interest rate and could not give me an explanation as to why. After filing a complaint with the CFPB, they finally agreed to give me a 1 % discount on the consolidation. However, months later I realized that this is still not affordable for me. These past few months I have depleted my savings trying to pay these student loans and my other federal student loans. I asked for a temporary forbearance and was told the consolidation loan had to be at least 9 months old before I could be granted a forbearance. I then asked what my options were, because I am trying to avoid defaulting on my loans. The customer service rep encouraged me to apply for a loan modification instead, and if my loans were deemed un-affordable they would lower my monthly payment. I was told that upon reviewing my credit that my loans were actually affordable. This is not my reality and now I am forced to pay less than the minimum amount required because I can not afford to continue the payments I had been making. I do not want to default on these loans, but my servicer is not providing me with any other options at this time.
XXXX XXXX XXXX is reporting a credit card on my credit report that is not mine. I did not apply or sign any documents to authorize a credit card to be opened under my name. This credit card is showing on my credit and I have been denied credit by other companies because this credit card is over the limit.
Collection company called saying I had a payday loan from several years back, this might be true I went through a rough patch years ago, they had my full name, address, social security number and what bank I dealt with. They threatened criminal actions against me but when I disputed some of their claims they refused to give me the name of the company calling me. The number is XXXX
Despite my repeated dispute submissions to the credit bureaus, the agencies continue to report damaging fraudulent activity. A police report was filed, and details were forwarded to bureaus and collectors, but I continued to be harassed. Equifax responded to my last consumer finance report by stating that the account was verified with collection agency. The verifying information was that the person who committed the crime used my correct Tax ID #. Well isn't this what we call fraud? This battle has continued for years, and last week, I was able to endure another interrogation from the fraud department from the collector, and they finally agreed that the account was definitely fraudulent. All 3 bureaus have continued to report false information despite a police report, and clearly they did not take the time to investigate with the collectors. Instead, they simply reported that it was my debt. One of the accounts is tied to an address, and person who committed the crime. The agencies refuse to remove me permanently from marketing. I am uploading a copy of the information received from the collector for a specific debt in question. A cellphone bill in the excess of 1000. 
I am also a victim of the EQUIFAX BREACH.
I have been disputing negative marks on my credit report with 2 collection firms XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Name XXXX XXXX XXXX XXXX for : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Acct XXXX for {$850.00} that failed to provide the method of validation after 3 dispute letters XX/XX/2018 First letter for a method of validation XX/XX/2018 First letter for Statue of Limitations XX/XX/2018 second letter for a method of validation XX/XX/2018 second letter for Statue of Limitation XX/XX/2018 third letter for a method of validation XX/XX/2018 third letter for Statue of Limitation All 3 credit bureau also claim that they verified my dispute inquiry on the 2 negative marks, but fail to provide me how it was verified and by who. Neither of the 2 collection firms and of the 3 credit reporting bureau 's have provided me the method of validation and/or contracts that bear my signature on these so-called alleged debts.

They just keep sending me bill statements that are not a method of Validation.

And after looking into the alleged debt they failed to provide me verification/validation.

I was advised to speak with a representative from my states Attorney Generals office regard Statute of Limitation. I have sent letters to both the 2 firms and 3 credit bureaus regarding the Statute of Limitation in my State of Florida.

In Florida, the statute lasts five years for a written contract and four years for a credit card account.

95.11 : Actions other than for recovery of real property shall be commenced as follows : ( 2 ) Within five years.

( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument ( 3 ) Within four years.

( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts.

Florida Debt Collection Statutes of Limitation Almost all other actions fall under the 4-year catch-all limitations period, ( F.S. 95.11 ( 3 ) ( p ) ).

Regardless, if a debt collector or a debt buyer that has taken over the debt files a lawsuit on a debt where the statute of limitations has expired, not only can you dismiss the case, but you may have rights to pursue that collector or buyer under the Fair Debt Collection Practices Act.

The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In many states, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they have taken this step, you have rights to pursue under the FDCPA.

The statute of limitations " clock '' starts ticking on the date of last activity on the alleged account. Typically this is the date of last made payment.

None of either side have acknowledged the Statute of limitation dispute. They just keep sending me a billing statement from the original creditor and telling me they verified but failed to provide validation of these accounts and/or actually documentation the have my signature
Experian had removed XXXX, XXXX, XXXX, XXXX XXXX, XXXX off my credit report and they have recently added it back to my credit report I have never authorized this or gave my consent to have these account added back to credit report. I want Experian to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX in accordance with basel XXXX accord and XXXX. I would also need a copy of your Tax Registration certificate! 

Once a item is removed it can not be added back please follow the rules fdcpa. I want these accounts removed as they had been once before. I had sent in my police report of identity theft. I want this taken care of asap.
I just logged into my Bank of America online banking profile for the first time in a long time ( I generally do not use them as much any more ) and found that they have begun charging a monthly maintenance fee on my Money Market Savings account of {$12.00} per month if my balance is below {$2500.00}. I have not had more than a few cents in this account for years and have never been charged this amount before, so now I 'm {$35.00} in the red after 3 months of charges. I do n't seem to have anything in my email or otherwise that notified me that this change was going to happen either.
ON XXXX/XXXX/XXXX I called XXXX XXXX XXXX formally known as XXXX XXXX XXXX XXXX at telephone number XXXX about a collection on my credit report I spoke with a rep by the name of XXXX that stated he could not hear me I asked him to hold while I adjust my phone he hung up on me. I then called the same number back ( XXXX ) again and spoke with a XXXX XXXX that first asked me the spelling of my last name then first name and then my date of birth. I told her that I had a copy of my credit report and it had her company listed and I was not familiar with that company nor did I owe that company. She stated to me that her company purchased my account from XXXX XXXX XXXX for a XXXX XXXX that I received on XXXX/XXXX/XXXX. First of all I never received a XXXX because the wait was long I left the hospital, so the hospital charged the insurance company for service I never received, needless to say then supposedly send me to a collection company for service or something that I never heard of. I asked her if she could send me verified documentation with my signature and social security number to verify what she saying is correct and she said that she would not have that information. I then stated to her unless she could verify that I owe her company {$1300.00} the collection from her company should be removed from my credit report immediately. She refused and stated that the amount and debt was valid. I told her that I never received any services from XXXX and she again stated that I received a XXXX XXXX. If I would have received any service for the collection company to know what service a hospital provided if any were provided is against HIPPA violations so for that reason alone and the fact that I never received any services and nothing can be validated I am requesting that again XXXX XXXX remove this insane debt off of ALL XXXX OF MY CREDIT REPORTING AGENCEIES ( XXXX, EXQIFAX, XXXX ) it 's  damaging my credit rating and causing me hardship of not being able to purchase my home. Thank you
I am current on my mortgage, and I am struggling to make the payments. I applied for a modification and was denied. The reason for the denial was  XXXX  fold ; they stated I had a modification in   XXXX   and in   XXXX   XXXX  . In  XXXX , I made the  XXXX  trial payments but did not sign the final modification documents. I called Chase to discuss the modification proposal, and I was told by a representative to decline it. The representative stated that there was a balloon payment. I was confused and decided to seek the advice of a housing counselor. The counselor stated the modification was a good proposal, and suggested I accept it. When I contacted Chase, I was told it was considered declined and no longer available. I decided to dispute the decision on  XXXX / XXXX / XXXX . The housing counselor,  XXXX   XXXX , was told on  XXXX / XXXX / XXXX , I could not reapply until next year when the  XXXX  modification falls off. I did not officially have a modification in  XXXX   XXXX . I never signed the final modification documents. Ms.  XXXX  was told by  XXXX   XXXX , that Chase considers this to be a modification. This is incorrect and a false statement. Although Ms.  XXXX  was given this denial reason, I was told something different. I was told that the appraisal was higher, and that my home had too much equity to qualify. When I asked why there was an increase in the appraisal after a time period of less than  XXXX  days, I did not get a response. I have not made any additions on my home, and my property value has not increased. Chase has not and will not give a sufficient reason for the property appraisal increase. This is extremely disturbing as I was just approved, and now there is an unsubstantiated appraisal increase that Chase states disqualifies me. I am not being allowed to reapply. I am not delinquent, and I am not given any options other than a short sale or deed in lieu. My current housing ratio is 50 % and the back end ratio is over 100 %. I am in need of a program to help me save my home.
Disputed fraudulent accounts with Experian through their web site. Experian states they investigated and " verified '' the information and refused to delete the fraudulent accounts. For the account listed as XXXX XXXX I received a letter from XXXX stating they investigated, found in my favor, and told Experian to delete, which they have not done. The account listed as XXXX XXXX, Experian supposedly investigated shows 30 days late in XXXX XXXX, but then 60 days late in XXXX of XXXX which is obviously impossible. It also includes numerous reports of " No Data ''. The account listed as XXXX XXXX XXXX XXXX which Experian supposedly investigated show fake {$1.00} payments in XXXX, XXXX, XXXX of XXXX while the listed balance remains the same - which is obviously impossible and also does not match the date of last activity on the account. It also contains numerous listings of " No Data. '' I do n't believe Experian investigated these fraudulent accounts as they stated or how can they still have all of these inaccuracies? Experian is required to report accurate and complete information which they have failed to do, I demand these XXXX fraudulent accounts be deleted.
The caller called my mother 's phone twice and left threatening phone calls. The man ( he did not give his name ) said, '' _my name_ are you going to pick up the phone this time or not? '' When this failed he called my cell phone and said, " XXXX, pick up your phone '' in a menacing manner.
Complaint filed on XX/XX/XXXX with original company - they continue to send me collection letters from different credit companies. The original debt was {$280.00}. You do not pay more for debt when you purchase it. Being in the default industry you buy debt for pennies on the dollar. This company is stating I owe them 5x times the amount of the original amount. The original creditor was XXXX XXXX XXXX. The collection agency assigned to this debt was XXXX XXXX XXXX ( XXXX ) account # XXXX. XXXX sold this collection account on XX/XX/XXXX (  approximately ) to XXXX XXXX XXXX XXXX, XXXX ( account number XXXX XXXX ) and the amount of {$1500.00}. I am confused. Former complaint number : XXXX. Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing regarding this debt and has placed it on my credit reports for all 3 bureaus. 

Texas Surety bond information as required by Sec. 392.101 -  my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). 

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
I had my account with Citibank for about two years. I had slipped up where I would fall behind and had to put my account back to positive status. Today I tried using my card at several different places, and all transactions declined. I, had a loan for about {$1700.00} to be sent to my account, it was sent on Thursday and I receive the funds the Friday morning. My account before the deposit was never in a negative balance. I used it XXXX when I deposited {$3.00}. Now today, I spoke with a rep on the phone, and a supervisor, they could n't tell me a legitimate answer to why my account was blocked. All they tried to say was that I overdrew last year, irrelevant and that I have n't use the account in a month or two, also irrelevant. So they told me to visit a branch, which I ca n't because I work tomorrow and that I can not make it. They never explained a relevant reason why I needed to go to a branch to fix my account. People use the bank to trust them that everything will go right, why would you block my account without notifying me of any wrongdoings.