WillisBack/dataset-financial-user-claim huggingface dataset:
This issue is been going for quiet some time. 
Late in XXXX I received a letter from Nelson and Kennard stating that they represent XXXX XXXX and that I owed about {$10000.00}. I had no idea who XXXX was and I mailed a letter back to them asking for more information. I also explained to them that I lost my job and my available funds were very limited. I never heard back from them. About a year later I found out that they filed a lawsuit against me. I tried to contact XXXX several times. I called and email with NO answer. I finally spoke to a person who said that she was n't able to provide me with any information and referred me to Nelson and Kennard. I called and requested more information but I was terrified by the lawsuit and asked what will be a reasonable amount I can pay, the lady on the phone said that the only acceptable amount was somewhere around {$9900.00}. I asked to make payments and she said I should call back and talk to a " XXXX ''. I did. I asked to see a proof of my debt. in XXXX of XXXX I also emailed and requested more information and offered to make monthly payments for the amount i owe. 4 days later they send me a file that does n't have my signature and claimed that i owe {$10000.00}. I kept telling " XXXX '' that the amount was incorrect. 
XXXX had XXXX at her office email me an agreement requesting a lot of information and said she will have to see if she can get the payment plan approved. 
I requested again to have more information that shows the breakdown of all my payment. I emailed them on XXXX and XXXX. 
on XXXX I finally received another email from XXXX, this time they claimed that I owe {$10000.00}. 
I requested the breakdown again on XXXX and XXXX, XXXX, XXXX. I found out that on XXXX a person came to my daughter 's friends home looking for me claiming to be an " officer of the law '' and she refused to leave. she said she will be back every day until she is able to hand me some documents. That created a lot of XXXX and I know it was illegal.
On XX/XX/XXXX I received a Trans Union Report stating that the disputed XXXX account was verified, paid late collections. It states on the Trans Union report that I paid on XX/XX/XXXX, and debt is closed. 
This is inaccurate information STILL being reported on my credit report and needs to be taken out immediately. 
I am requesting TransUnion to show me the bank paid check or any payment with my name and account number that i made such payment. To date, Trans Union has NOT provided any proof. 
I can provide my bank statement to show proof that I DID NOT MAKE ANY PAYMENTS ON XX/XX/XXXX. I can provide proof for the XX/XX/XXXX Calendar year I made no payments to XXXX. This information is all being made up by TranUnion and or Creditor XXXX. As being disputed multiple times before, I made all my payments on time and account closed. There should be no negative XXXX items reported at all. 
Let me know where you want me to send my proof. My Point is, TransUnion IS NOT Checking or verifying anything with my report and this XXXX account. I have been hurt in scores and unable to purchase a home because of so many errors found on my credit report.
BB & T XXXX XXXX and XXXX XXXX sent my husband and my personal information to the wrong email address. The person that received the information originally responded to let them know they were sending it to the wrong email and instead of making me aware and/or fixing the problem, they continued to do it XXXX more times over a several week time span, until the person finally reached out to me to make me aware of what was going on.
I obtained a reverse mortgage from XXXX XXXX in XXXX XXXX. 
The mortgage was assigned to Livewell Financial ( 'Livewell ' ). In XX/XX/XXXX, I entered into an agreement with the City of XXXX, PA to pay my real estate taxes in equal monthly payments in accordance with the City 's real estate installment payment plan available to senior citizens. After I had paid over {$1000.00} in real estate taxes in accordance with my agreement with the City, Livewell refused to recognize the validity of my agreement with the City of XXXX, paid the balance owed, and demanded that I reimburse Livewell or be declared in default. I reimbursed Livewell for the taxes for XX/XX/XXXX, but Livewell rejected my payment, and declared that I was in default of the terms of the mortgage agreement. In XXXX, real estate taxes are not due until XXXX XXXX of the year taxes are due. 
If taxes are paid early, taxpayers receive a discount on the total due. 
After rejecting my reimbursement of the taxes paid for XX/XX/XXXX, In XXXX XXXX, Livewell paid my real estate taxes, one month before the taxes were due, in order to take advantage of the discount offered by the City, then in XXXX XXXX Livewell filed a mortgage foreclosure action against me, claiming that Ihad defaulted under the terms of the mortgage. 
Livewell repeated the same practice in XXXX - Livewell again paid the taxes one month in advance of the due date and again declared that I was in default under the terms of the mortgage. In an effort to avoid foreclosure, I obtained legal counsel and we have been attempting to work out a repayment plan with Livewell. To date, Livewell has refused to negotiate in good faith to settle this lawsuit. Livewell has rejected no less than XXXX repayment plans I have submitted over the past year, without making a reasonable repayment plan according to my income. I am a XXXX receiving social security and income from a part time job of approximately XXXX per month. 
My sister, XXXX, who is XXXX years old, lives with me, contributes to the household expenses and maintenance. She has an equitable interest in our home, she is my next of kin and under Pennsylvania law, my only heir. Livewell 's unethical, predatory practices have not only placed me in jeopardy of losing my home, it has jeopardized my sister 's right to inherit the property if I were to predecease her. I am requesting that the CFPB intervene to protect seniors such as myself and my sister from the predatory practices of Livewell Financial and other mortgage lenders and servicers like Livewell.
This complaint is a follow up from my complaint submitted yesterday, ( XXXX ) please add the additional details, after leaving a message again for XXXX XXXX ( XXXX ) he called back leaving another message identifying himself as the general manager for a company called Bayside Capitol Services number he called from unrestricted XXXX, I have no idea who this company is or who they work for, they have misrepresented themselves as being XXXX XXXX XXXX to XXXX XXXX XXXX, verbal threats about coming to my place of employment and to make sure my supervisor is on hand to my home, this company has repeatedly harassed me by phone and now using my work phone, I believe this is the same company or group of people that reached out to my ex husband a few months back making statements that I would be arrested and go to jail and I needed to be found. I had someone call the number back yesterday, again this company does not identify themselves when answering the phone, only that they are with the filing department, all of them employed speak a good line and are intimidating, if you did n't know fair debt collection practices you would fall into the trap, Ive been guilty of this myself, this occurred to me XX/XX/XXXX see my previous comments, these people are nasty!!
On Friday XX/XX/XXXX I received a credit from Wells Fargo of {$200.00} on Account # that ended up being a temporary account and then I received a bill for another account # supposedly new account. I pulled my last bill and it had a different Account which was my original account number. 
I walked to the Wells Fargo downtown XXXX, NC on Monday XX/XX/XXXX and XXXX XXXX, Personal Banker called Wells Fargo Home Projects and spoke with XXXX around XXXX He advised that Wells Fargo had closed my original account because they wanted to remove the Visa portion of the credit card and opened a temporary account in error as my Home Project account. XXXX could see my credit and they advised it would be moved to my new account. 
Since my newest bill was for {$340.00}, I deducted {$200.00} credit and did not pay late fee of {$27.00} as I was not late and Wells Fargo put on temporary account. I should not be penalized, so I mailed a check for {$120.00} as that was the balance and put credit remittance, bill remittance, explanation of deducting {$27.00} late fee and copy of XXXX 's card. 
I then received a letter dated XX/XX/XXXX from Wells Fargo explaining a Temporary account was generated in error and it appeared everything was straightened out. However, I received a call at my work on XX/XX/XXXX at XXXX saying they want to know how I plan to clear up my past due balance. I was so upset as I had already spent an hour personal time from my work the first time straightening this out. I told them I would have to get all my documents from home and return call as the person was saying I missed a payment and I knew I had n't. 
I pulled all my history for a little over a year and I have paid every payment a few days to a week before the due date and have been paying extra and I usually pay at a Wells Fargo. My regular payment was {$160.00} and in XX/XX/XXXX I paid 2 months ( {$320.00} ) and then after that all except for 2 months I paid {$200.00} a month. 
I now have next months bill saying I am past due {$40.00} and there is a {$37.00} late fee. I would gladly pay if I was truly was late and truly past due however if you take {$120.00} + {$200.00} credit = {$320.00}. My newest bill even shows payments {$320.00} other credit {$27.00} late fee so this should have been settled. However when I look on the right side of my bill it say past due {$40.00} and {$37.00} Fees charged. 
I was told my case has been turned over to XXXX XXXX and it may take up to 10 days, in the mean time my account gets more and more complicated. 
I have been paying extra to resolve this account and now I feel they are also messing with my credit as they can report me as late but I am not.
In XXXX 2015, I obtained an auto loan through Credit Acceptance for a XXXX XXXX XXXX with 69,999 mileage the asking price for the vehicle was XXXX with gap insurance included bringing the total to XXXX approximately. At the time I was deciding between two other companies for better priced vehicles with different financing terms. I was constantly contacted by the dealer through text/phones various times of the evenings to obtain the vehicle. Needless to say, I went for the deal, because I believed that the dealership had my best interest and offered me a connection with better finance company according to the dealership. At the time I was n't making much money, related to my return from a medical leave for 3 months prior. However, the loan was pushed through, and I was told by the dealer that no matter what I could and would be approved. Later on I realized why ; the finance company required a GPS device to be placed on the vehicle which was discussed after i signed the agreements and paid the down payment. If that was made known to me prior to signing, I would 've declined the offer and went to the other dealerships. I experienced much hardship with Credit Acceptance my vehicle was repossessed twice for only being 3 days late, and I had to pay the note plus an additional {$1500.00} in repossession fees, each time not included the 50-100 $ storage for belongings taken out of the vehicle. This was very humiliating and as a XXXX XXXX, I was not willing to accept this. I reached out to the finance company directly several times only to hear different explanations for the reasoning behind the excessive fees with the payment arrangements and/or repossession terms. I asked for a pay off amount and was told that the pay off was {$36000.00}! That is nearly double the price of the vehicle, and I asked for a break down of my loan and terms, the company declined to provide it to me, and one agent even said, what did I think? I knew the loan was for {$680.00} per month for 66 months! I would like people to be aware of predatory lenders such as credit acceptance, and I am looking towards filing litigation towards this company in relation to their actions which have caused me much anguish and hardship. I am a XXXX survivor and a divorced mother of XXXX small children who depend on me and I refuse to allow a company to deceive or manipulate me with these tactics.
According with those criminals and looter organizer is a crime to make public there criminal activity done illegal and fraudulent inside your property in a top secret close door act If this is no enough evidence that destroying the credibility of ownership in USA is consider what? Those criminal ca lie until we meet in criminal court After it we close the door and put those criminals in prison for looting property where a owner has no financial obligation. I will never stop looters count on it until I drain your filthy face of looting and criminal activity in USA, How long those criminals continue to lie We will meet in criminal court and federal court soon count in it XXXX  and Phelan Hallinan pettifogger lawyers including this assistant ( or a clerical cover-up artist ) XXXX XXXX XXXX organize the theft, looting, vandalism, burglary and criminal activity inside a property when the case is in Courts NOW and again in a criminal top secret close door act. It is very hard to understand how come only now document appear presented by this pettifogger assistant XXXX XXXX XXXX. How convenient to send documents after looting, vandalism criminal trespassing and complete destruction of the property. Only a criminal organization that even lie to their own clients by triple charging them abusing their trust can loot property in this top secret close door criminal act of fraud. Those pettifogger lawyers knew that is a close in community and I will have no access inside until I get back my property. Also they been informed by XXXX that I will be in XXXX to prove the fraud was done with forge documents and immediately organized their criminal activity to loot and stole everything from inside my house for this reason I will ask again looter I XXXX to put back inside my property all stolen items before we meet in criminal courts.????
I was reviewing my credit report and there are two medical bills,, that are on my credit file. One does not belong, to me. These accounts, have been sold to two collection agency ( s ). XXXX XXXX ( which was a account transferred from " XXXX XXXX XXXX XXXX XXXX XXXX' and Tele recovery ( which was account transferred from " XXXX  XXXX XXXX XXXX '' I don't have any outstanding accounts with XXXX  XXXX XXXX XXXX '' and I have never done any business with Tele recovery ( collections agency ( s ). Both these collection agencies are in violation, because if a debt has been purchased, they are required to make contact and I am allowed a certain amount of time, to cure the matter. Before it can be reported, on my credit file. Per the Fair Credit Reporting Act. XXXX XXXX, just contacted me on XX/XX/2018, a year and one month, after the account, was placed on my credit file. As for the Tele recovery account. I have no knowledge of this account, what so ever and it is not my account, nor has Tele recovery, made any effort to contact me via phone, email or U.S Postal service. To determine if the account is actually my account or if I would like to cure the debt. A direct violation of the Fair Credit Reporting Act. 

As for the tow original credit, per the credit report, neither account holder, has ever made a attempt to contact me via email, phone or U.S Postal service, to determine or validate if this debt is my actual debt or if I would like to cure the matter. How can a matter be cured, if one party doesn't know that the matter actually exist
I was threatened and told that i had to give my banking info so they could take {$200.00} and then {$100.00} biweekly until the sum of {$1000.00} was paid. This debt was for a closed bank account I had in the past but I only owed this bank {$140.00}. They said my payments would be reported to the credit bureau but it never was.. infact another agency tried collecting for this account a year later.
In XXXX, I opened an account with Tower Loan. After a year of installment payments the account was closed. Final payment was made and all debts were settled. Shortly thereafter I noticed a default payment posting onto my credit reports ; XXXX & XXXX stating a XXXX late payment. I contacted Tower Loan about the report and their response was and still is ... .. that once an item is reported, it is company policy " not to remove ". But contradiction shows otherwise. In XXXX XXXX this item was removed from my XXXX report. Thus proves '' false reporting " to this day on my XXXX  report!!
XX/XX/2018 - I sent a letter to have Ad Astra please remove the collection on my account because I was a victim of identity fraud and the account wasn't mine. 

XX/XX/2018 - They replied with a letter stating that it was my account, which is false.
Wells Fargo truly could not care less about their customers or the success and satisfaction of their customers. 

My problem is twofold : I have a credit score over 750, 100 % perfect payment history, {$0.00} owed on my credit cards and they will NOT approve me for a loan. Not only that, but when you call and try to get answers, they dance around the issue, don't tell you why, don't offer solutions, don't call you back, and don't offer advice on how to change the situation. They don't only not care, they genuinely don't even try -- even for people who have made a point to be responsible and put themselves in a situation for success. 

2 ) I opened an account with them ( why, because I was " guaranteed '' the loan if I did ( another lie ). Now not only do I have a pointless second account, I can't access it any way shape or form : online access gives me a permanent error message or a message that says " this site is down '' I called 5+ times to get them to let me into my account -- they never fix it and always say it's fine and it's probably just a temperary outage. After months of trying, that is clearly not they case. NOT only that, but they also will not send paper statements or estatements, so really they just don't try, don't care, and will cheat their way into any business they can get. They disgust me. They have hurt my credit score. They won't let me into my account. And they won't address a single one of my questions or problems. 

With all the other issues coming to light, they should be shut down, for good. I will fight them tooth and nail until they make things right with me -- which if it were up to them, would be never.
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX Ohio XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is, to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
First Recovery assoc keep calling with a different claim number every time they call with an XXXX number to call back they wont give me any information and ask to verify my last XXXX digits of my SS Its not me and I ca n't get them to stop calling
Today, XXXX XXXX, I was contacted by Citibank in connection with my new credit account with Best Buy. Citibank representative notified me that the payment on my account was delinquent. I explained that I had performed a payment on XXXX/XXXX/16 before the required payment date of XXXX/XXXX/16. She explained me that this payment corresponded to the cycle of XX/XX/XXXX. I explained that this is a new account and that I had only received XXXX statement dated XXXX/XXXX/16 and performed one payment before the corresponding due date of XXXX/XXXX/16. Citibank did not credited on its XXXX/XXXX/16 statement the payment that I had made on that same date, even though as per Citibank representative the cycle was still open and the payment belong to this cycle. Therefore, I was expecting Citibank to credit the payment on the cycle corresponding to XX/XX/XXXX. However, as per explained today by Citibank representative, the payment was credited to XX/XX/XXXX cycle ( even though it was not included as such on the statement ) and the payment corresponding to XX/XX/XXXX is allegedly delinquent.
I have had a mortgage on my home since XXXX. Have arranged with my bank to make automatic payments since the loan 's inception. Received a notice two weeks ago of " Intent to Foreclose '' from Bank of America. I had been aware that BOA had bought out XXXX ( my lender, originally ) in XXXX, but was told all account numbers would stay the same. My loan was serviced normally, until XXXX XXXX, when BOA returned my payment to my bank. DId the same in XXXX. No explanation why, no letter, no phone call, nothing. I did not even notice this action until the Intent to Foreclose was received. In fact, BOA has never communicated with my husband or me, by phone, mail or other. For the last couple of years, we have had to call to request our mortgage tax form. 
Although I faxed copies of my bank statements showing timely payments and the return of these, I have still not received any communication from BOA ... ..and I worry about the effect of this action on my husband 's and my credit rating.
I submit this complaint against Bank of America for the following reasons : 1. The Bank suspended my bank services and froze my account without justification and caused me harm ; 2. When I called the Bank to complain, Bank of Americas customer service representative failed to take my complaint and to transfer my call to a manager ; and 3. When I called the Bank to complain, the Bank of Americas customer service representative lied by stating that the bank services would be  restored and the account would be unlocked on Monday, XX/XX/2019. My bank account was not re-opened and the services were not restored on XX/XX/2019. 
4. I have already filed a compliant with CFPB # XXXX-XXXX, and the Bank rejected on the basis that I was not the holder of the account, which is false. Please see attached documents.
Received phone calls last week on persons trying to open accounts under my name with XXXX and Citibank.realized only today an account was opened with XXXX XXXXXXXX XXXX