WillisBack/dataset-financial-user-claim huggingface dataset:
TOO BIG TO FAIL AND CARE We are in our XXXX, after our last child went off to college in XX/XX/XXXX, we decided to downside and move into a smaller place. In XX/XX/XXXX, we paid down on our dream home. This is an XXXX and half bedroom condo in the heart of XXXX -- - ( no car needed ) XX/XX/XXXX, we were informed that BOA had sold their XXXX units to XXXX XXXX, an out of state acquisition company. A meeting was held on XX/XX/XXXX, by the new purchasers. At this meeting, we the few owners were informed that because they ( new owners ) were the majority stakeholders, they could do away with the condo Bylaws. Thus the Bylaws were amended and the new board appointed. 
We were told the following : Sell our units to the new owners at the same price which was given to them by BOA Continue to live in our unit -- -knowing that the building will no longer abide by the condo Bylaws, but instead will be operated and managed as an apartment complex. 
We were also informed that we will never be able to sell our unit on the open market because of the rental average of the building. 
Our condo was purchased in good faith. We 'd everything that was right under the law. The present situation we are in is no fault of ours. The housing market tanked, and BOA did what was best for them -- -sold their units to the highest bidder -- - NOT CARING ABOUT HOW THEIR DECISION WOULD AFFECT THEIR HONEST CUSTOMERS THAT PURCHASED AND HAVE MORTGAGES WITH THEM. -- -- TOO BIG TO CARE. The investors on the other hand needed to realize a profit quickly changed the Bylaws to protect their investment. Who cares about ordinary Americans like us no one? We are the casualty of the housing bubble. We could have walked away them this situation like many other American, but we did n't because we are honest FOOLS.
Please refer to complaint XXXXXXXX is alleging that I owe $XXXX which resulted their breach of contract.  Also, I did not have a signed contract with XXXX.  XXXX, Diversified Adjustment Service, XXXX XXXX XXXX, and XXXX XXXX are all represented by XXXX.  These companies have failed to provide the, oral contract, that I had with XXXX.  I request a transcript of this oral contract on about 15 different occasions over the years.  XXXX breached its contract with me and that breach resulted in the alleged debt of $XXXX.On dozens of occasions, with XXXX  and their collection agencies, I have tried to settle this debt to avoid the horrible tactics of the collection agency.  Finally, the CFPB ordered this debt from my credit report but now XXXX is circumventing your agency by emptying another debt collectors named diversified adjustment service.  To be clear, I do not acknowledge this debt.XXXX  has been notified in writing to cease and desist communications but they are not obeying that order.  The collection companies have not been operating in accordance with the Fair Credit Reporting Act.
I received a chapter XXXX discharge XX/XX/XXXX about the middle of XX/XX/XXXX i got a bill from one of my included bills XXXX. I called and talked to them and gave them bankruptcy case number and they said ok. XX/XX/XXXX I receive a collections notice from sunrise credit service for this discharged XXXX bill. I called sunrise credit and told them the same thing and gave them all my information on my chapter XXXX case and also my lawyers info. I then contact my lawyer and give them the copy of my letter i received from XXXX XXXX and they said they would send out new letters to XXXX  and sunrise credit ... .but this has been ignored by both XXXX and sunrise credit. 

Then I get the same letter a month XX/XX/XXXX later from sunrise credit again saying the same thing. I call them once again and tell them all the same information chapter XXXX case number and lawyer information. They just said " well XXXX said it was a good debt so we have to collect on it '' So now I get a collection debt on my already weak credit report with XXXX. I disputed this with XXXX and they said they contacted Sunrise credit and they said it was a good debt so XXXX wont remove this illegal debt/collection from my credit report. I dont have access to my other reports so I cant tell if the collection is on XXXX  and XXXX but it probably is.

I just need help removing the debt from my credit report and help making XXXX and sunrise realize this is illegal to collect on a discharged debt.

Thank You
I was contacted by the XXXX XXXX XXXX concerning an unpaid traffic ticket. The left a message on my cell phone ( which I saved ) saying to contact them concerning a legal issue. This is in violation of the TCPA and the FDCPA. I contacted the city where the ticket was issued and they were shocked and recommended I file a complaint with you.
" " '' I have disputed this Charge Off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I attended XXXX XXXX XXXX in XXXX, MO from XXXX. I received an XXXX. I am now in student loan debt, including Parent Plus Loans, around {$75000.00}. The loan document presentation was completely rushed-it was not explained to me at the time of the student loan applications what exactly I was signing, and when asked for further information, I was told that they could possibly refund most if not all of the loan amount that was being taken out. It was also explained to me at one point when the amount was much higher than before that my previous semester 's tuition was combined with the upcoming semester, which is why the loan amount was so high. I felt rushed, but I was very young and inexperienced. My father also does not remember having the Parent Plus loans explained, and he is a very detail-oriented person. He did not remember signing for the loan, and has since requested copies of the loan documents to be sure that he actually signed for them. I requested time with financial advisors several times during my tenure, and was told that the loan amounts were not very high, and they 'd actually discounted this class or that, etc. Usually blaming it on books, which were included in my loans but cost was astronomical. I was not allowed to choose to go without the books, even though we never used or referenced them. It was all rolled into my tuition and subsequent loans. 

I 'm now a parent and have a relatively good job for someone with an XXXX, but I have a lifelong illness that sometimes prevents me from working, and so receiving sustainable income. I have Navient threatening to sue me and begin garnishing my wages if I do n't settle with them immediately, and XXXX is {$30000.00} worth of loans that are on forbearance and just gaining interest. My parents are paying the Parent Plus loans so it does n't affect their credit rating, and my wife is looking for a XXXX job to try and get a handle on this. We are drowning in this debt, and I 'm not sure how I will ever dig us out of this hole. My wife and I make decent money, and should be looking at houses and schools for our son, but instead we are living in my parent 's basement, paying them rent, and simply making it paycheck to paycheck to try and keep Navient from garnishing my wages. We need help.
When Navient took over my loans, my principal balance seemed to go up by over a thousand dollars. I never missed a payment, and as of XX/XX/2016, my principle balance should be XXXX or less. I still owed more than XXXX after XX/XX/XXXX. I noticed this and thought I made a mistake, and maybe I have, but I do n't think so.
After months and months of negotiating, sending loads of documents, unanswered calls and emails, Our original Servicer, " XXXX XXXX XXXX '' transferred our loan to " Fay Servicing '' in XX/XX/XXXX,  With this being said, we had a completed packet awaiting short sale approval from " XXXX XXXX XXXX '' prior to being transferred to " Fay Servicing ''. Our first contact with " Fay Servicing '', and our representative was on XX/XX/XXXX. Explaining in detail our previous short sale status with XXXX, in turn our Representative asked for needed items she would send on a separate email ( Fay Servicing 3rd party authorization and Release Form ). Once " Fay Servicing '' approved the 3rd Party Authorization on XX/XX/XXXX, We were asked by our representative to send over a number of items pertaining to the purchase ( purchase agreement, addendums and buyers info ), all of the requested Short Sale documents were submitted to " Fay Servicing '' on XX/XX/XXXX. Beginning on XX/XX/XXXX we were continually told by our representative that the package is complete, being reviewed, and no additional information is needed. We continually asked if everything has been submitted correctly and we were assured by our representative, " Fay Servicing '' was reviewing file and no additional information was needed at this time. After following up routinely with our Representative ( once or twice a week ) we were told on XX/XX/XXXX that a few more documents were needed. On XX/XX/XXXX we sent all newly requested documents, and explanations of the items we could not send. We called our representative on XX/XX/XXXX to confirm that these additional documents were received, and this was confirmed that all requested documents were received and were being reviewed. We received a call from our representative later that afternoon on XX/XX/XXXX to ask for additional documents, our response was that we just spoke and had already sent these documents on XX/XX/XXXX.  We resent documents again immediately following our conversation. Within this same conversation we discussed for the FIRST TIME that the property had an auction date set for XX/XX/XXXX. They basically said not to worry, the auction date would be postponed while the file was being reviewed. On late Friday XX/XX/XXXX, we received a call from our representative, now being ask for more information, and letting us know she would not be in the office for the week of XX/XX/XXXX, and that we should speak with her Manager from this point on. After numerous attempts beginning Monday XX/XX/XXXX, We finally made contact with our representatives manager on XX/XX/XXXX, we requested a postponement of the Auction date, She asked us to resend documents which were previously sent, we did and she assured us that the Auction date would be postponed. Unfortunately the promise to postpone the Auction scheduled for XX/XX/XXXX did not happen. We were surprised that this happened due to the fact we had all requested items submitted for the short sale approval. It was almost as if one hand was not speaking to the other hand ... Or this was their intention all along, to wait the foreclosure timelines out and foreclose on the property??
I received the best buy credit card with zero interest for 24 months. I paid most of it but did not realize it ended. All of a sudden they add {$800.00} to my account. Saying I missed the deadline. I asked how much did I owe. They said XXXX dollars. So they told me they will remove it if I pay the XXXX dollar which I paid immediately. They said this is a one time lifetime courtesy. They said 2 billing cycles to apply. Today I call up and I am told that I have to pay. No one informed me and I saw the whole card of what I owe is the extra interest. I asked why. They said the request was rejected to remove the XXXX dollars. So I asked why did they tell me it was a one time occurrence and have me pay XXXX dollars if they were not going to do it? They just refused. I think it is unfair. I think I was misled and basically told to bad you have to pay. I just feel I did n't pay XXXX dollars and they charge me XXXX is horrible. so I feel mislead.
I received a XXXX XXXX alert at the beginning of XXXX notifying me of a medical debt collection from Commonwealth Financial. First, I never received any notification of a debt owed - not a call, email, or mail from the alleged original creditor nor Commonwealth Financial ; this is a clear violation of FCRA. Secondly, I researched the claim and found the name of the original creditor - one I had never heard of - alongside a date that backed to 2014. I made all attempts to try to contact the original creditor, but they do not seem to exist. Most phone lines were out of order, and one that worked went to a hospital - not the company listed. No one could find records of this supposed owed debt. This fraudulent action dropped my credit score drastically in the middle of the home buying process ; in addition, other lenders closed their accounts with me as a result. XXXX has removed this fraudulent claim from my credit report, but damage has already been done. I intend to seek legal action ; it appears there are already lawsuits against this company, whats another one? My fear is that others are paying fraudulent debts to make it go away thinking that theres a chance it may be legitimate.
Hi, I requested for a detailed statement of an amount that a debt collector is requesting for me to repay for a cell phone service I had for over 10 years. The debt collector/original collector sent me a bill with the full amount due with no description/breakdown of the amount owed. Can you please look into this issue. 

Original Creditor : XXXX Collector : Diversified Consultants , INC Account # XXXX Agency File # XXXX Balance Shown # {$590.00}
XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 90 days now and nothing has been resolved at this point your company continues to report inaccurate information on my credit report. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company. The accounts listed on my credit file are reporting inaccurately and theyre listed in the attachment below. You removed some but you didnt remove the following in the attachment.
For a few years, I have not been able to get Experian to supply my credit report. I 'm not able to pass the verification process for just that report and I presume because of identity theft of some kind.
XXXX XXXX XXXX has been harassing me and family memebers about oustanding debts they purchased but are not mine. Since they are medical bills and we all sign for treatment all I ask for is my authorization of services but they furnish nothing. They are rude and completely violate the Fair Credit Reporting Act. My next step is contacting the State Attorney General. 

Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX These are not mine and they can not provide proof that they are so I request they delete these from my credit reports from the 3 XXXX  XXXX and XXXX XXXX. These false collections are severely hurting my families well being because I can not obtain credit due to XXXX and their false activities.
In XX/XX/XXXX XXXX/XXXXN in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX STORE CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
I pulled my credit report on XXXX/XXXX/15. I immediately noticed that the fraud statement had an old phone number listed in both my report and my husband 's. I reported this XXXX years ago and have continuously contacted all XXXX credit reporting agencies in the past regarding the issue. I tried to dispute online, but could not as the message on Experian 's website says that you have to call to dispute the fraud statement. So I called the following day. An agent with a XXXX told me to dispute online. I reiterated what the web says and that there is no " dispute '' button. He gave me the following site : XXXX. No such link exists. He then claimed that he was deleting my phone numbers. I told him not to delete all my phone numbers, only the incorrect XXXX. About a week later, I received a letter from Experian that, as requested, they had deleted all my phone numbers. I went online again to check my report. No changes have been made and the incorrect phone number is still on the site. I have not had a chance to call back as the office is only open from XXXX, and I do not want to continue going through this ridiculous routine with Experian not changing incorrect information. They 've had 6 years to make XXXX change.
When I contacted Chase about the account listed on my credit report for validation and to make a goodwill payment, they responded saying they do not have records of an account in my name/social security number.
Someone stole my identity an got items I did n't authorize. I disputed with TransUnion and  XXXX  but do n't feel investigation was performed fairly. I 've contacted creditors but they ignore my issue/problem. It 's acceptance and crescent bank. It 's their word against mines just because they say it 's my account.
on XXXX XXXX 2015 and letter was sent out from weber & olcese about a debt with XXXX XXXX they said i owe, i received the paperwork around XXXX XXXX 2015 i did reply to say that the debt was paid for in bankruptcy ..but i never heard any thing else from them, they did n't say well ok or anything they just tryed to sever me in XXXX around XX/XX/XXXX with paper work but i was never home, not until XX/XX/XXXX this year that had tacted on my door..and i found out they been trying to serve me since last XXXX, so they did try to validate the debt, from the paper work they serve me with, they had already got and affidavit sign on XXXX XXXX 2015 from the time they sent me the letter that i got XXXX XXXX, then i had to response back to them, they did n't even take 30 days to validate the debt i wounded had until XX/XX/XXXX to response, had i not, but i did response right back and they ignore my letter, and i thought they where to stop collecting until they validate the date and send me some kind of correspondence, in stead they where getting affidavit to attached to the court papers, i never heard back from them, then i asked where they debt collector when i was in court last week, they said they where employee by XXXX XXXX, but i said the paper work said you are debt collector attempting to collect a debt, they are lying about there identity i hope you can help me get to the bottom of this
XXXX XXXX credit card Compromised : fraudster : XXXX XXXX XXXX XXXX XXXX location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made deposits to the account from a Bank of America account. XXXX XXXX said that they suspect fraud the money was transferred by phone. and than returned because they could not collect debt of $ XXXX.paymentsDate Method Account Name Payment Account Confirmation Code Amount StatusPending PaymentsPayment HistoryXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$12000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX XXXX SavingsBANK OF AMERICA, NA ... XXXX XXXX {$11000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$8900.00} XX/XX/2015 Phone Platinum XXXX ... XXXX Personal CheckingBANK OF XXXX, NA ... XXXX XXXX {$5000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$8800.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal SavingsBANK OF AMERICA, NA ... XXXX XXXX {$4800.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal SavingsBANK OF AMERICA, NA ... XXXX XXXX {$4200.00} Paid
CSD COLLECTIONS IS REPORTING AN ACCOUNT IN COLLECTIONS FOR AN UNDISCLOSED DOLLAR AMOUNT THAT IS NOT ACCURATE. ALL DEBTS HAVE BEEN PAID OFF
This is additional information for case # XXXX, which I filed last month. 
Someone from PNC Bank emailed me to call her. I have now called XXXX times since her email ( XXXX ), and her phone always goes to voicemail. Because of my travel and meeting schedule, I am not in a position to take unscheduled phone calls during the day, so I 'm not sure if there 's anything else I can do to move this forward. See attached emails.