WillisBack/dataset-financial-user-claim huggingface dataset:
There 's a pass due medical collection on my credit report from XXXX hospital that I do n't remember so I called the hospital and there collection agencies and no one knows why it 's there cause no amount was showing get on anyone 's systems please take this off myour credit report
I received a dunning letter in the mail in early XXXX of 2017 from a debt collection agency named diversified consultants. They letter claimed that i owed a cable company by the name of XXXX a past due bill in the amount of {$200.00}. Account # XXXX. The suggested that i pay their agency this amount of money or they will report this alleged account to the credit bureaus. 
I responded to them with a letter sent certified receipt and notarized shortly after, in early XXXX of 2017, demanding that their agency send me documentation that they have power of attorney on this matter, that they provide other proofs that would give them legal rights to charge me with this alleged account. 

They responded with a letter that did not provide me with anything that i asked from them. They just stated simply that it was my account and attached a photo copy of a bill from XXXX, which is not legally sufficient enough to allow this collection agency to injure my three credit profiles. 

I checked my credit reports shortly after i received their letter and they did place this false account to they credit bureaus, XXXX, XXXX and XXXX. They didn't even have my address 100 % correct which, by this alone would qualify for them to delete this alleged account. According to laws of the FCRA, everything has to be 100 % accurate that is being reported to credit bureaus. They did this in a unfair and deceptive manner because they did not provide any power of attorney proofs, they did not give me proofs of any legal documentation that they can do business in the state of michigan among other request i asked for in my letter that would give them a right to proceed in this type of manner. 
As a result, they have injured all three of my personal credit profiles that will make it difficult for me to get approved for credit or anything else i may apply for that required a business to review my credit profile. I do not have any contracts with them for them to claim i owe them money, nor they have no legal proofs to represent any companies to demand money from me.
EQUIFAX BREACH - TRUSTEDID NOT PROVIDING SERVICE as promised. I signed up for TrustedID as Equifax 's offered solutions for my account being involved it the breach. My TrustedID account is fully set up, and I received an alert about my account via e-mail. TrustedID would not allow me to log in for a very long time - the portal does not work! Finally after 31 tries, it logged me in. The items appear fraudulent but it does n't offer a way to flag or report them. I tried calling the fraud/customer service line in the TrustedID e-mail and it renders a BUSY SIGNAL! This is perpetuation of the scam and breach by Equifax and is a complete failure to provide the promised service. I suspect it is affecting millions of people.
I received a collection notice from North Shore Agency for {$29.00} for a subscription to XXXX  XXXX magazine. I do not subscribe to this magazine. The letter offered an " opportunity '' to resolve the account and receive the full benefit of the " subscription order placed ''. No order was placed.
On XXXX XXXX, 2015 I received a notice form Bank of America stating that my mortagage would be increasing from XXXX to XXXX. There was an increase {$4.00} due to a tax increase. The remainder of the increase is stated as a shortage payment of XXXX per month and a reserve requirement of XXXX. When I called and asked why my payment was increasing, I was told there was a shortage in a reimbursement from changing insurance companies. I did change in XXXX of last year. I had to file a complaint against XXXX in order to receive my escrow payment back from them. I sent the escrow payment ( myslef ) to BOA. Which they received in XXXX. Since then I have been receiving paperwork from BAO regarding my house payment being late and advising that I file for bankruptcy ( Case number : XXXX ). Now this. BOA can not give me a succinct reason why my payment is increasing. They paid extra money to the insurance company because the received a request for payment ( they paid a total of {$1800.00}, but they ca n't state why. My insurance is XXXX per year. Then they sent me a refund of {$290.00} which I said I did not want and they said I had to cash the check. Now they say my escrow is negative Just that I have to pay the increased amount.
American Student Assistance ( ASA ) consolidated my student loan under a made up interest rate. Harassed friends and family over false debt. 
XXXX XXXX directly at XXXXXXXXXXXX or by phone at XXXX ext. XXXX.
On several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Experian to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Experian maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Experian. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Experian about. I'm confused, how can Experian say they've verified information with XXXX that is not at all on XXXX to begin with? I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to be on my credit report.
Now I see that XXXX/Nationstar has now incorrect information on my credit report showing I am in a forbearance program. In which, that was terminated per agreement with XXXX months ago. The balance on my account is incorrect. The payment per month does not show as well I am still waiting for all payments to be correctly reported and my FICO score to reflect I have a mortgage loan.

No company is by law to retaliate against any consumer when trying to address issues with their loan can not be met by contacting the loan holder, company.

XXXX/Nationstar even sent me a letter on the CFPB complaint a few weeks ago stating they would fix the issues and reinstate my FICO score since I have yet to receive any points from my VA mortgage loan.

Now my credit report is worse with errors regarding my mortgage loan. Once again out of retaliation from XXXX/Nationstar.

I will keep filing complaints until this serious issue is finally resolved ... going on over a year now.
Financial Freedom, a branch of XXXX XXXX, in XXXX, Texas paid the real estate taxes for the last part of XX/XX/XXXX and most of XX/XX/XXXX ... as is their right ... on our reverse mortgage. We got no notification that Financial Freedom had paid the real estate taxes until we got a call on XX/XX/XXXX, followed by a letter on XX/XX/XXXX demanding the {$4600.00} by the end of the month or the company would start foreclosure proceedings. I tried to make a repayment schedule, but the bank used the excuse that we spent about {$120.00} more than my wife and I received from SSI ... approximately {$1900.00} and my " XXXX '' retirement fund of {$110.00} per month. 
Although we offered to send Financial Freedom {$500.00} per month, our offer was refused out of hand. This seems to be a case of " get rid of the reverse mortgage completely '' or a predatory practice. We are still willing to repay them {$500.00} per month, and we told them so, again by phone, but they still refused. I don't know where Financial Freedom got its financial information.
I paid off my Capital One credit card years ago. I just never closed the account because I thought it would look better on my credit report to have a zero balance than a closed card. When my new card arrived after the old one expired it had a sticker on it with directions to call for activation. I kept this sticker attached and never called. I filed the card away in a safe place. Years go by and I forget I even have/had this account. Suddenly in XX/XX/XXXX I get alerts that the card is being used. Immediately I call Capital One. I get nothing but the run around. No hassle card?? This is anything but. I pull out the card to reference it & the valid dates are XX/XX/XXXX thru XX/XX/XXXX. Keep in mind this card was never used, the account inactive since XX/XX/XXXX. This card was NEVER activated. After several calls they send me what looks like a novel in the mail with with a ton of paperwork to fill out about the charges. Then I have to check off each & every charge that I claim is fraudulent. That 's EVERY charge!!! Pages & pages of them. I fax the many pages to them. Get another past due bill in the mail. More calls made. Turns out after all this they did n't close the account or flag it?! How does someone continue to make purchases, does this bank have any common sense? Call again & order the account to be closed. Finally get a notice on the mail everything is resolved. Two weeks later another bill for past due amounts. I call again. Apparently only some of the charges were resolved as fraudulent, not the later charges. This is going on 5 months now. What a joke. Honestly feeling like this bank is nothing but a giant scam. This particular card has an expiration date of XX/XX/XXXX. Is this a coincidence that after years of inactivity just months before the account expires again there 's hundreds and hundreds of dollars charged? Some that required a currency exchange so obviously out of the country? I 've never even been out of the country. Either the company itself is a giant scam or employees are stealing the information. No other way anyone would have had access to the account, it was n't even an active account. Not only would I never recommend anyone ever do business with this bank, I highly recommend closing accounts if you have them & do n't let anyone you know use this company for any type of loans or credit cards. Still not a resolved issue, I could n't be more annoyed or frustrated. Do n't walk away from this bank. Run. I 'm actually nervous they have my information in their system, I do n't trust them one bit.
WRONG PHONE NUMBERS I have only 2 numbers XXXX XXXX XXXX XXXX no other numbers or cell or home phone numbers in my name all these other number on file do n't belong to me and I want proof from the credit bureaus of such phone numbers in my name.
Gatestone contacted members of my wife 's family frequently and regularly over the past few years concerning a debt they claim belongs to my wife and I. Persisted to harass relatives even when asked to stop.
They keep calling me at work and I have asked on 3 different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at work.
These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The  Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Ac counts "   XXXX    XXXX  '' (  2 ).  Satisfactory Accounts "  XXXX   XXXX  /   XXXX   XXXX   '' the account was closed in  XX/XX/XXXX  however the company did not post it CLOSED until  XX/XX/XXXX  the  Credit Companies are  reporting an ok Rating from   XX/XX/XXXX thru  XX/XX/XXXX .   This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the  Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.
Credit file XXXX is under security freeze due to ID theft. Equifax released my credit information illegally to XXXX on XXXX/XXXX/2014 while the security freeze was in place ( see attached screen shot of my credit file inquiry section ) This is a violation of FCRA. I did not authorize this release of information.
XXXX 2015, I showed up to my home and the locks had been changed. I contacted the company and they said the I had abandoned the home. I tried to talk t the company, OCWEN ( Owen Loan Services. ) They told me that I could not get the home back. They sold the home and said they were not going to give me the difference from what was owed on the loan. I spoke to the legal department. He told me I only owed 3 years on the house so they were going to sell it and make a profit. They took my furniture and all contents in the home.
My loan has been serviced by Green Tree Servicing for over seven years, they just changed the name to XXXX but their customer service shows no improvement. My HO insurance premium is due on XXXX XXXX of each year but every year they pay it upon receipt of the insurance company bill, usually thirty to forty five days ahead of time and if I need or want to make any changes to the policy or go with a new company I must cancel the policy, wait fifteen days for a refund from the insurance company, return the refund to Green tree and in the mean time get another policy and pay it with my own money because the escrow at Greentree has already been debited for the premium. I have asked them to please allow me a few days to review the policy several times, the last time on XXXX XXXX, 2015 via email and I received an acknowledgment to my email on XX/XX/XXXX. Today, XXXX XXXX, 2015 I received an unsigned letter from customer service denying my request. I have contacted the Florida Division of Insurance on this issue and banks and loan servicing agents DO NOT HAVE TO PAY UPON RECEIPT way before the renewal date from the insurance company bill. I am a retired accountant who worked in Banking twenty five years and I know that Green Tree/XXXX is not being truthful. They display the utmost disdain for customers in terms of reply time and customer phone service. Please see if you can help me, they are hurting me financially by forcing me to pay a new policy out of my own resources in addition to all the paper work created by cancelling a policy, getting the insurance company to refund me the premium, having me return the premium to Greentree and then waiting until they pay the new or modified premium. By golly, if this is not stupidity I honestly do n't have a word for it. PLEASE HELP ME. 
Thank you so very much.
Advertised on Bank of America 's website was a promotion for opening a new savings account. I opened an account and deposited the money ( >  {$150000.00} ) on XXXX/XXXX/XXXX. 

After meeting the terms of the promotion, I noted the promo money ( {$500.00} ) was not deposited into my account. I phoned BOA on XXXX. After being on the phone for one hour with the representative, she located the promotion and told me the amount would be deposited in my account within 3 days. 

On XXXX/XXXX/XXXX BOA phoned me and advised that I would need to bring a copy of the promotion to my local branch as " proof ''. I complied. The branch manager ( XXXX ) scanned it into the database and I received a call today ( XXXX ) from XXXX that the marketing department was refusing to pay the bonus because the promotion was only for targeted customers. 

The promotion was advertised on the public website so I am unsure how the promotion can be only for targeted customers. There is no mention in the promotion that only certain humans qualify. The copy of the promotion is attached. This is yet another example of the nefarious practices of big banks.
On XX/XX/XXXX I received notification from XXXX, and XXXX  that a new collection was placed on my credit report. I have reviewed the information the collection account does not belong to me. They have damaged my credit with this incorrect information and I have yet to receive a response from them validating the account. What Methods of validation did XXXX and XXXX  use? I'm seeking this account gets removed from my credit report and cease all credit bureau reporting until they are able to " validate '' the account by me.
This is a complaint disputing SPS Inc. unethical, unlawful and deceptive response to allegations of attempted mortgage fraud through a scheme devised to commit Thief by deception, Thief by Taking and Thief by way of U S mail fraud. 

This complaint is filed pursuant to FDCPA 15 U.S. Code 1692e - False or misleading representations where a Clear Pattern and Practice of Deception exist. - IT IS IMPERATIVE that this Administrative Tribunal READ EVEDENTARY EXHIBIT XXXX submitted with this complaint. It clearly shows fraud, deception and intentional misrepresentation of material facts. 

1. This is a case where SPS Inc. bought collection rights to an account that both SPS Inc. and XXXX, ( the seller ) knew or should have known were charged-off and closed on or before XXXX XXXX, XXXX. 

3. SPS Inc, in response to Case number : XXXX has forwarded to the CFPB an electronic document. The manner in which the response was made is unlawful and unethical in that it is completely different from the written response forwarded to me by U. S Mail. As evidence see SPS Inc. electronic response in case # XXXX, then see EXHIBIT XXXX, ( SPS Inc. written response sent to me by U S mail ). 

4. In the electronic version SPS XXXX submitted to the CFPB, it does not dispute or address the evidentiary documents I submitted in Case number : XXXX. 

5. However, SPS Inc., in its written response to me, it is challenging the facts I submitted as evidence. Whereas SPS Inc. is asserting that the charged-off and closure of the account referred to in Case number : XXXX is a secured account held by XXXX XXXX trust, and that SPS Inc. have a right to foreclose in the name of the previous Trust -- although XXXX XXXX XXXX says otherwise. See Case number : XXXX EXHIBIT XXXX at XXXX where XXXX XXXX XXXX says in no uncertain terms, ( " Account transferred to another LENDER '' ) in XX/XX/XXXX, more than 3 years after charge-off and closure of the account. 

6. SPS Inc, in an effort to conceal form the CFPB and other regulatory authorities its continued use of an unlawful Pattern or Practice of using non-judicial foreclosure as a collection tool where there is no present security interest HELD is still in full force and effect. Therefore, I must assume that they intend to us the Pattern or Practice against me again. 

7. This is as simple as SPS Inc intentionally submitted dual, but ambiguous responses to Case number : XXXX, where one response is to the CFPB, and a different one, with a different content is sent to me by U S Mail. 

8. It is an effort to evade the scrutiny of the CFPB and other regulating authorities. SPS Inc has employed this method of collection 7 times in the past 8 months, and I am sure it is being used in other situations on citizens ( it should be stopped ) 9. SPS Inc. is using the previous purported secured lender 's name ( who no longer owns the debt ) as a pretexts to continue foreclosing or threaten to foreclose on my property. SPS Inc. knows that collection on the reference account as to secured or unsecured debt is now time barred. 

10. SPS Inc. has no present right to possession of the property claimed as collateral for the following reasons :
UNIVERSAL RECOVERY CORPORATION IS REPORTING ON MY XXXX SCORE FOR A BALANCE OF XXXX FOR XXXX XXXX. I NEVER BEEN TO XXXX XXXX OR UNIVERSAL REOCOVERY. I REQUEST FOR THIS COLLECTION TO REMOVED FROM MY CREDIT REPORT IN LESS THEN 30 DAYS IF NOT I WILL FILE A XXXX  COMPLAINT AND DISPUTE WITH XXXX ALSO AND I ALREADY FILED A POLICE REPORT AND CONTACTING THE PROPER F.C.R.A ATTORNEY TO SUE I KNOW I CAN WIN EASY.
CBE Group is harassing me with continued phone calls twice a day or more. I do not owe any debts to anyone. they continue to call. I have called them and they continue to harass me.
XXXX gift card has always been in my possession. I tried to use it and found it had been hacked. Someone had registered the card and used it for XXXX online purchases. 

I have the receipt and card. Called the number for US Bank National Association and have been given different stories each time. 

The first representative could see the card number was tried for a {$1.00} charge before even being activated. She took all of my info and gave me instructions on filing a fraud dispute. She gave me this fax number XXXX - which repeated attempts over many hours failed to deliver. 

I called back and this time was told that instead I needed to file a lost/replacement card request due to the card being registered in the hacker 's name. This does n't make any sense to me. I have the card! I was given different instructions on what to fax and to send it to XXXX. Still wo n't go through. 

I was also told I would be given a replacement card at a charge of {$5.00} - the new card would have a value of the remaining {$7.00} instead of the original {$200.00} is all that would be put on the replacement card. Then I would need to file a dispute to get the remaining original value put on this replacement card. This makes absolutely no sense. 

I have attached a scan of the information requested from me by US Bank.
Law office has called several times in an attempt to collect a debt. A family member tells me that their spouse has also received more than 1 call, which I believe is illegal, regarding this matter. On XX/XX/2017, I returned their call and requested verification of the debt. I received a letter, on law firm letterhead, regarding my request on XX/XX/2017. Before I could send a letter to cease and desist communication, they called me again today and left a message. Their letter claims that they represent Federal Pacific Credit Company, who also happens to have the same address as the law firm. Are they a law firm or a collection agency? I have never entered into any financial contract with either of these companies, therefore I do not owe them anything. The original creditor they mention, XXXX, and associated account has exceeded the SOL in the state of Florida. They can not file suit against me, nor can they report to a credit reporting agency.
This account was opened after the company originally closed my original account after investigating that a representative did inform me it would not be closed. Now, with this account I went over the credit limit in XX/XX/2018, I called to rectify the situation and asked why there was a hold on my account that representative informed me it's nothing to worry about. I inquired if my account was closed he stated NO. That same week my account was closed. I filed a XXXX   complaint and the rude rep. stated it was my fault and nothing can be done. I fell behind on payments due to being treated rudely and being provided false information. I was offered a lower payment online and accepted, yet it somehow did not go through. I called the company in XXXX, XXXX, XXXX and XXXX. Each time got conflicting information. I made a payment in XXXX and I asked the rep. if it would be shown as a payment for that month and they stated YES. Well, it was not. The company stated it wasn't the minimum due, I filed another XXXX complaint asking a supervisor to pull all calls and provide me a transcript. That was denied. One rep called me and when I called back never returned my call. I was told first and foremost my account would NOT be closed yet it was. I made a payment to defer a charge off and was assured by the rep. though it isnt the full minimum they work for what fits my budget. Yet, it's being spinned in a whole other direction. They violate fair business practices and need to do a full investigation on my account which will show dates I logged in to set up payments.