WillisBack/dataset-financial-user-claim huggingface dataset:
I had a XXXX account at my address in XXXX NE and when I cancelled they sent me a shipping label to send my equipment back. I had to call 3 different times just to get them to send me the label and tell me where to send the stuff back to. I finally got the label and was told to use any box, so I packed up the cable modem and wireless router and using their shipping label sent everything back to them. About a month later I received a bill for {$160.00} for unreturned equipment. I called them and said there is a mistake because I have a tracking number showing it was delivered and who it was signed by. She said " well we received one of them but we never got the other '' I said well that 's odd because they were in the same box. She informed me that was the problem because they should have each gone to a different address so that was the confusion. I explained to her that I had called 3 different times just to try and get a shipping label at all and was never informed they needed to go to different locations. She said she would take care of charges on my account and that was the end of it. I never received another bill after that. Next thing I know a few months later I got a notification that I had been turned into collections with XXXX for that same {$160.00}. I called XXXX and explained the situation to them and they filed a dispute which gave XXXX 30 days to respond. On XX/XX/XXXX I got a letter from XXXX that they are not currently handling my account anymore and any information that may have been reported to the credit reporting agency would be deleted. So I thought it was resolved and finally finished. Naturally you can imagine my frustration when I just received a notice from a DIFFERENT collection agency dated XX/XX/XXXX through IC System Inc attempting to collect the SAME {$160.00}. 

Bottom line, XXXX is charging me for equipment that I DID return and they 've confirmed that I did return it and should 've cleared my account. They 've tried to go through one debt collection agency and when that did n't work they are now going through another one. I do n't owe this money as I returned all of their equipment as required ... and they 've confirmed that!
They had this debt on my son 's credit, I contacted them that it was not his, he was underaged. Now its on my credit.
Portfolio Recovery Associates is incorrectly reporting the date of a debt they have purchased. They are listing the date current as of the time they purchased it which is incorrect. The date should reflect the date in which the original account was closed. I have attempted to contest this with them and they continue to incorrectly report the debt. I believe this affects my credit score as this debt has been paid/charged off in the past.
I opened an account with XXXX XXXX via XXXX XXXX inXX/XX/2017, I contacted the lender in XX/XX/XXXX to verify if and when a bill would arrive. I offered to pay the bill in full and assumed this had been done until I received a letter from the debt collector. I called synchrony in an attempt to pay the bill they informed the debt had been charged off and sold to a debt collection service and they told me I would need to speak with the debt collector as it was no longer their responsibility. I then called the debt collect who then offered me to pay double the amount of the bill as a settlement and told me basically to take or leave it but either way I was going to have to pay. I asked if I could dispute the bill and was told no and that this was their only offer.
The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus. This complaint is against EQUIFAX credit bureau.
I was recently informed by my Daughter XXXX XXXX who had used XXXX of your Shell credit cards that there is still a late payment entry on my Credit Report. 
I had written to you over a year ago and asked you to correct this entry since the lateness was due to your billing problems not my paying my Shell bills on time. 
I have always paid my Shell Credit card bills on time since I opened the account. Then Shell sent us new credit cards with new expiration dates like all credit card companies do every XXXX-3 years. But in your case the new credit card was not linked to the old account online. So when I logged in to pay my bills, I was only able to view the balance for the new credit card, not the older card which still had a balance. Dispite the fact that I was make regular online payments, they were all go to the new card and nothing was paying off the old card. Meanwhile the old card had about a {$100.00} balance on it. Suddenly I am told that I am several months overdue on the old card which never apperas on the online account. This is despite making regular in full payments to the new card. 
Since then you have corrected the problem and several months after my issue, both balances started appearing on the online account. 
I have asked them twice to correct this problem.
Transunion Credit Reporting Agency has received from XXXX XXXX XXXX XXXX on my XXXX XXXX XXXX was submitted paid-off XXXX of 2015, my account number for this Vehicle Loan, loan number XXXX .... XXXX XXXX XXXX XXXX has reported this Vehicle loan paid off for several months, but Transunion 's efforts of attempting to compromise and prejudice my CREDIT SCORE as an XXXX XXXX XXXX Consumer, Retiree, Author, Activist, Advocate, XXXX Veteran, " Fighter for Justice for XXXX XXXX ''! As an Federal Agency, would CFPB instruct Transunion in showing my loan number XXXX .... with XXXX XXXX XXXX XXXX as PAID-OFF. Also inform Transunion of my goal of making them pay for continuous Races and Discriminatory Practices against my XXXX credit file in Federal District court in XXXX , GA as soon as the VA release my Retroactive entitlements citing nearly a XXXX dollars. Lastly, Transunion if you want to play, let 's play, but at the end, liabilities will be resolve, {$10000000.00} for XXXX with my Credit Report, DO YOU GET IT! Again the balance of {$26000.00} auto loan with XXXX XXXX XXXX XXXX was PAID-OFF XXXX of XXXX 2015 and reported by XXXX XXXX XXXX XXXX as Transunion is very much aware. I spoke with XXXX, and XXXX with XXXX XXXX XXXX XXXX in their reporting department statement is that they 've reported this vehicle as XXXX being paid off in there XXXX 's transmission to the XXXX bureaus. TRANSUNION I 'M GOING TO SUE YOU XXXX. Stop with the RACISM! Leave my credit file along, I 'll show you folks, ( TRANSUNION ) in Federal court, I see what you XXXX folks are attempting, and notice I said attempting. CFPB, thanks for going after these crooks TRANSUNION. I WILL KEEP FIGHTING FOR JUSTICE FOR XXXX XXXX AS CONSUMERS.
At all times, the debt of {$260.00} is being claimed and handled by XXXX. Consequently, First Federal Credit Control , XXXX and XXXX furnished negative information about me regarding this disputed collection debt to XXXX, XXXX, and XXXX.
Several accounts listed on my report that were not mine. Several dilequencies also reported that were not mine. Personal/private information has been compromised. Contacted Bureaus letting them know of fraudulent activity over 1 year ago when it was detected XX/XX/2016. Several accounts have still not been resolved. Still affecting my credit score/report.
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX I sent police report. was ignored I sent affidavit document was ignored I did all the legal way. I sent all my documentation proofing that I'm a victim. Nothing to even respond. I have all my certified mail copies and return label also and I did upload file came from XXXX XXXX which is totally not an application seriously. it doesn't provide me account number or anything. Also when I called and ask XXXX and Equifax customer service they told me we can't give you response and any documentation and this will stay on your report forever as long as they want and that's totally wrong honestly and I'm feeling now these companies they are violating my rights please help and no one above the law that's what I believed forever. please give me a written documents that my signature on it or delete this. Please, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or removed immediately.
I was contacted via phone on or around XX/XX/XXXX by XXXX XXXX from RMS about a debt that was discharged in a bankruptcy. I advised her that this debt was discharged and provided her my bankruptcy information as well as my new address and last name. 1 week later on XX/XX/XXXXI received a letter from her continuing to try to collect this debt. I called her and advised her again that this debt was discharged in a chapter 7 bankruptcy and that she was breaking the law by continuing to harass me about this discharged debt. I also faxed her a copy of my discharge paperwork on XX/XX/XXXX. On XX/XX/XXXX I received another letter advising me of the enclosed information I had requested. I NEVER requested any information, only that they stop harassing me. This debt was discharged in XX/XX/XXXX. I am very upset about the continual harrasment and want this company fined.
The below 20Hard Inquiries on my Equifax report were not authorized by me and are greatly negatively affecting my score. I have sent Certified Letters to each one and have not received responses in 60 days that these 20 were authorized inquiries. 
I would like these permanently removed from my Equifax report as soon as possible. 
Sincerely, XXXX XXXX XX/XX/XXXX 1. XXXX  - inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX : XX/XX/XXXX 3. XXXX XXXX : XX/XX/XXXX 4. XXXX XXXX XXXX : XX/XX/XXXX 5. XXXX XXXX XXXX : XX/XX/XXXX 6. XXXX XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX. XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XXXX XX/XX/XXXX
I have a home mortgage with Well Fargo, that they brought from the closing lender I had 3 years ago. I was told my payments would be around XXXX-XXXX with a downpayment. I am locked in at a rate of 3.75 percent and I do not have a variable mortgage where it is suppose to jump. Well they jumped my payments to XXXX without my consent and are now telling me because of my escrow account. I do not agree and I believe that no one should be able to go in and just change your mortgage payment like that especially when you signed a contract.
I was told by general manager that he received a call from a gentleman from a law office and was told I had approx 1-2 hrs to contact him before a garnishment was enforced. I called the gentlemen & was told I would be garnished for {$4400.00} unless I made payment arrangements today for the balance due to a non response to a letter I never received. Because I told him I never got the letter, his client would consider a payment arrangement for {$2000.00} in 6 payments of XXXX monthly. If I default on arrange, the payment reverts back to original amount.
I have a mortgage with PennyMac loan services. My actual valance is {$210000.00}, for 25 years for and my home value is {$310000.00}. I have a good payment history and it is my only loan with them. 
when I called them to cancel my PMI. they told me that it is not possible because it is for the life of my loan. 
Then they told me to avoid the PMI I have to refinance my loan, but what happen : they increase the percentage of my loan to 4 % to 4.78 %, and I have to pay my closing cost again for about {$5000.00} and {$450.00} for the new appraisal. and the new loan will be for about 30 years. 

What happened with them? I don't understand that the PMI will take out with no problems.
I have been with American Express credit card for at least 10 years in all this time I've made my payments on time except for this past few months since I lost my job and was late 3 times, 2 of which was 1 day late. They now charged me a {$27.00} late fee and raised my mininum due payment from {$35.00} to {$62.00}. They told me they would put me on a payment plan of {$16.00} a month but close my account which is already closed since it was issued through XXXX & I no longer wanted to pay the {$50.00} annual fee. But this would harm my credit.
I sent an email XXXX/XXXX/XXXX to my XXXX lien servicing company, Green Tree Mortgage Servicing, and have n't heard anything about assistance. My XXXX lien was refinanced with XXXX prior to XXXX purchasing them, then Green Tree Servicing received the MSR. XXXX is still the investor of record for the XXXX lien. I believe the appraisal value obtained by XXXX at the refi time was fraudulently elevated to allow the loan officer to approve my loan. Due to XXXX being one of the Hardest Hit states in the economic down turn my LTV is extremely upside down. I 've had to move to XXXX to obtain work after a layoff in XXXX XXXX. I was out of work at a full-time job for 1 year. I believe the Treasury has outlined modification programs for XXXX liens that would assist me. I 've taken a $ XXXX annual salary cut and have the home rented out for {$250.00} less a month than the mortgage payments. I 'm trying to be pro-active now that I 'm employed again. I have n't missed any payments on the XXXX or XXXX thankfully. At this rate, without assistance, I 'll have to let the home go. It seems like the mortgage companies do n't want to do anything to help a person unless they actually become delinquent and ruin their credit. The XXXX is reviewing documents to attempt assistance but they already posted a HARP to my loan in XX/XX/XXXX that lowered my payment. The XXXX lien is at 7 %. Thanks
It all started with my son, XXXX XXXX XXXX. They sent my son the statement first, calling him numerous times. He spoke to many customer service agents. His ss # never matched their records. No help was done. Then one day they spoke to me, asked me information and my ss #, my number did n't match also. I told them when was the account opened? They said XX/XX/2007, well my son was only XXXX years old at that time. I told them do you give credit cards to kids that young? Never again did they call or statements being sent. I tried to get on my moms beneficiary for her bank account, of course it was Chase bank. They told me I could n't apply because of fraud. They showed my ss # with the same account number my son had with the same statements they were sending to him. As of today, I called my bank, XXXX XXXX XXXX they show no fraud on my accounts. But its on my credit report, XXXX. I also spoke with Chase bank they told me to send my information to XXXX. It was all good.
I received a second letter on Citi letterhead regarding an account XXXX XXXX had. 
XXXX XXXX had been decease since XXXX XXXX, 2009 and I, XXXX XXXX XXXX ( her daughter ) am the Executor of her estate. The letter states, If I believe the account was enrolled without consent of knowledge, I could go to www.Citi.comXXXX and submit a claim for potential refund. The letter also includes a customer reference #, and tracking #, but the website will NOT allow me to submit a claim.
We were in chapterXXXX we completed our plan in XXXX XXXX we were instructed by the chapter XXXX trustee that we were to start making our own payments in XXXX XXXX and we did, Dietect sent us a letter in XXXX stating we were one or more payments behind and in default, not True and I wrote them sent them bank statements showing they had got all of our payments and when they had ach through our account, they ignored it and kept dunning us for a payment or payments we do not owe, they have called my husband at his job they have sent incorrect house statements we have wrote them every month since XXXX XXXX asking for a correct house statements with no answer we have wrote them in XXXX requesting they tell us which payment they say we did not pay, because I have bank records showing all my payments from XXXX XXXX untill XXXX XXXX where the ach my account and got all their payments, I have contacted my Bankruptcy Attorney and they have contacted the Chapter XXXX trustee and told them ditech was saying payments had not been paid and was told by yhe Bankruptcy Attorney that the chapter XXXX trustee contacted our mortgage co XXXX XXXX XXXX with a 21 day final cure payment because we were getting ready to complete our XXXX XXXX and if any money was still owed the XXXX co had 21 day to respond and they did not respond so they conceeded we were paid so in XXXX according to our chapter XXXX trustee they paid XXXX XXXX, XXXX XXXX and XXXX XXXX payments so there is no way we are behind in payments Ive sent all of this to Ditech and they still refuse to quit trying to collect payments from us we dont owe.They will not provide us with the so call missing payments so we can present them to the chapter XXXX trustee, we have had no info on our house for 5 years while we were in chapter XXXX we know we made all our payments as instructed by the court.
I have been trying to make my payment since XXXX. Rushmore will not allow me to pay. Servicing transferred and they were unprepared. Poor treatment by staff as well. IVR in convoluted and will not allow you to speak to an agent without listening to LOTS of messages. Confusing why no option to speak to an agent.
Today XXXX/XXXX/XXXX was the second time i called this company attempting to pay off my debt to them and ask them if they could remove it from my credit score and they continue to not cooperate. If all they want is  the money owed to them i do not understand why they do not just take it and remove the derogatory marks off my credit score. I am a XXXX XXXX XXXX student trying to get his life back on track and this debt i obtained when i was XXXX XXXX XXXX and needed XXXX is haunting me. I am currently working on trying buy my first property so having the best credit score i can is the best option to keep my interest rates low. All other companies that i owed agreed to erase the collection stamp on my credit and helped me out this is the only company that refuses to do so please help me.
I took out a home loan in XX/XX/XXXX with XXXX XXXX which filed Chapter XXXX Bankruptcy. I spoke with the Trustee and they informed me that the loan had not been sold. I did a HAMP modification and the current Servicer has not given me the documents requested regarding the HAMP Program and signed modification agreement. As anyone can clearly see the payment history and loan balance do not make any sense, since I was current on all payments and therefore received payments from the Federal Government according to the HAMP guidelines, which Caliber Home Loans refuses to give me a copy of. They start their balance sheet on XX/XX/XXXX which was the first payment due with an unapplied funds account with {$100.00}, a Late Charge of {$780.00}, and Fee Balance of {$1000.00} which are absolutely incorrect and I have been paying on this since XX/XX/XXXX, plus interest and other late fees and costs, while I patiently waited for my " free '' HAMP loan modification. Once again I request that the Attorney General and the Consumer Financial Protection Bureau please audit this loan as soon as possible since I suspect fraud.
I had to do a stop payment on the first installment loan due to no money in my account. The second time the company withdrew money from my account they charged it to my debit card. I did not know or discuss with them my debit card would be used. They said this was in the contract I signed. At this time I stated I did not authorize them to withdraw funds from my account in the future. They argued with me and barely let me get a word in. I told them I would pay via check or money order, they told me this was not an allowed form of payment I stated I would get a prepaid credit card because I do not like charges to my debit card without my prior approval. They stated in order to say they are not authorized to withdraw funds from my account I had to send them a notice in writing before my next due date. I stated that I would be sure that was taken care of but my bank had told me I could verbally do it also. The " supervisor '' I spoke to told me by my next due date I needed to have a letter to them stating this and a card number for how I was going to make future payments. 

Not even 30 minutes later I went to my bank to withdraw money and it stated I had insufficient funds, when I pulled up my online banking information I realized they had withdrew the entire amount left on my loan after I had verbally told them I did not authorize withdraw to my account and they had stated I had until my next due date to give them notice in writing and give them other payment arrangements. Due to the fact it is a VISA debit my bank states they can not decline the charge. If I file fraud through my bank it will take 6-10 days to determine and my account will keep going further in the hole with overdraft charges or returned check charges.
Debt reported to collections, no attempt to collect a debt. Not enough information to verify where the debt is from and how to repay it.
Wells Fargo sent me a promotion which I registered for and met all the requirements in terms and conditions. They did not give me the account credit claiming that the offer ended on XXXX XXXX however I fulfilled the terms back in XXXX and the terms of the offer stated : " Your Wells Fargo statement credits will be posted to your credit card account within 1 to 2 billing cycles of your purchase. '' It can been seen by their official link sent in the email below : XXXX XXXX XXXXXXXX? XXXX They need to honor their terms and not change them after the promotion has started. I called and asked to be credited as it had been 3 billing cycles and they denied saying that credits do n't post until after promotion ends. However the wording of the promotion clearly conflicts with what I was told verbally.
received letter from Portfolio Recovery Services threatening to file a XXXX on a time barred debt that on itself states the debt is old. I requested a verification letter that the debt is mine which was not received. I was informed that this is unethical as well as illegal
NCC business services is reporting I owe {$1000.00}. This was joint debt for an apartment. I filed suit and won in small claims court against my roommate, XXXX XXXX XXXX. He is fully responsible for this debt. I have provided all documentation to NCC business services. They refuse to accept it. I have asked for debt validation and they have not produced any documentation. I do not owe this debt any longer and I want it removed from all 3 bureaus.