WillisBack/dataset-financial-user-claim huggingface dataset:
Diversify Consultants Incorporated started to call in the beginning of XXXX XXXX to collect a debt from a cancelled XXXX account. I did not try to dodge them and I was giving them everything I could to bring the amount down. I could not afford it at the time so I gave what I could when I could. That was not enough because they reported my account to the credit bureau which placed a derogatory mark on my credit profile. During this time the amount began to change. I began with owing {$440.00} and then when they tried to call again they said I owed a little over {$500.00} and then again the amount change to around {$250.00}. Confused, they told me that I owed {$440.00} and I could settle for an affordable amount. I paid a payment of {$40.00} on XXXX XXXX, XXXX, and settled the rest once I was employed again for {$200.00} on XXXX XXXX, XXXX. I asked them for proof of the settlement and payment, they then put me through loop holes and told me it could take up to a week to receive a email. I never received said email, so I call DCI and they told me it was sent and they would resend it. My email shows no emails whatsoever received from DCI. I was needing this information so that the mark on my credit could display the correct status and my profile score could increase. They have yet to report it or give me proof the the settlement and payment. All representatives I speak with try to quickly get me off the phone or place me on hold for very long periods of time. I have to receive any information or see any change in the status on my credit. The money was taken from my account but I have no proof of anything.
Credit reporting agency did not delete collection information and inquiries creditors agreed to delete from my credit profile they refused my request to update my credit profile to reflect correct information. 

Collections 1.XXXX 2. XXXX 3.XXXX 4. XXXX 1.XXXX 2.XXXX 3.XXXX 4.XXXX 5XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10 . XXXX 11XXXX 12.XXXX 13.XXXX 14.XXXX
I received a call  from   XXXX   XXXX   XXXX     XXXX      XXXX   XXXX    ,  XXXX , IL  XXXX . A  "  XXXX   XXXX  '' left me a message to return his call at  XXXX , The call was spoofed as "  XXXX  '' I guess to appear as a local number so I would answer. I returned the call and talked to  XXXX   XXXX  and he advised me it was a an attempt to collect on an old  Capital One  credit card debt. I advised him I did not wish to speak to him about and and asked he not call me any more and he kept pushing me telling me to handle my responsibilities, get out my check book and the whol e nine ya rds. he just refused to accept that I did not want to speak to him. My issue wi th Capital One  is between myself and them. If they have chosen to sell the debt some day i  may  be able to resolve it. My complaint is this guy just continued to badger me over and over. He claims it was recorded. Please ask for the recording. the call was from  XXXX  which is my cell phone and i was at work. I do n't believe that spoofing numbers is allowable under the FDCPA Sectio n 807 : A debt collector may no t use any false, deceptive, or misleading representation or means in connection with the collection of any debt. I also think that the continual repetition of " taking care of my obligation, get my check book '' and general attempts to badger me simply because I refused to talk to him could be construed as a violation of sectio n 808 as well : A debt collector may n ot use unfair or unconscionable means to collect or attempt to collect any debt.  <P/> I want the calls stopped and I want an investigation into the violations I cited above
Hello I 'm writing this complaint for the online school of XXXX University XXXX of XXXX, FL XXXX. I recently filed a complaint with CFPB for the loan servicer of XXXX XXXX while in that time XXXX XXXX wrote back stating that as of XXXX another company will be my new loan servicer and that new loan company is called University XXXX XXXX, XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I mean how could this be if the school I attended turned out to be a fraudulent school the Department of Educations should have stopped this back in the early XXXX 's when they were being investigatored. On the bottom of this it says " Which of these best describe your issue? Getting a loan has it right fraudulent loan but it does n't give me that option. I had to go with Dealing with my lender or servicer and marked Do n't agree with the fees charged.
Ocwen Loan Servicing , LLC stopped payment on a check that was mailed to My local Tax Commissioner for my property taxes. So my taxes have not been paid after XXXX phone calls still nothing so I have paid the bill myself before the they put a lien on my property. The Company will not issue my money back out of Escrow and I am out this money.
This medical debt was associated with emergency care while on a trip to Florida in 2014. I am a veteran I use Veteran health care system the Veterans administration was legally bound to cover this medical expense. the payment should have been made by the VA
I have disputed and requested the removal / blocking of the following accounts that's continuing reporting on my credit report inwhich I still haven't been provided with the Method Of Verification inwhich was used to determine the legitimacy of these accounts ( 1 ) XXXX XXXX XXXX XXXX {$950.00}, ( 2 ) XXXX, ( 3 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$180.00}, ( 4 ) XXXX XXXX XXXX {$210.00}, ( 4 ) XXXX XXXX XXXX {$260.00}, I do not have absolutely any relationship nor contract with the above companies. I also requested the Method Of Verification inwhich supports their claims, I want to know what was the method of communication, via phone, email, text, fax, etc. Inwhom talked to whom, what date, day, and time. What physical documentation was provided, etc. And as an consumer and within the laws stated within the FCRA I'm entitled to this information, and if this is not provided to me then the above accounts shall be removed, blocked and/ or deleted immediately. Your cooperation is Appreciated!
This complaint is about SETERUS Mortgage Servicing Company based at XXXX XXXX XXXX XXXX, XXXX, and XXXX, OR XXXX. 
They took over my mortgage servicing in XXXX 2015, before I even got an invitation/introductory letter informing me about that they already served me with a bill demanding payment, while my old servicing company collected payment already from my account ( which was eventually returned ). 
And from then on it 's never ending harassment. I am bombarded with letters asking for all kinds of building insurances/policies, things I have never been asked for during 27 years I have been living here and owning the coop. Letters treating to buy insurance FOR THE BUILDING ON MY BEHALF! 
On one occasion they suggested that if insurance policies are not received they will buy some {$8000.00} property insurance and I will be charged for that PREMIUM. Another letter was sent to me stating that I will be charged premium of {$1400.00} for some other insurance policy. It 's just never ending game. 
I have called multiple times and explained that I have in all 27 years none of the banks or previous mortgage servicing companies asked me for any insurance policies. 
I have given SETERUS building management telephone number, fax number and Managers name so they can obtain all and any insurance policies they need, but they never contacted them. 
I had building management call SETERUS asking what it that they exactly need is, but STERUS refused to talk to them and said that they will not discuss it with third party. That THIRD PARTY owns this property/ residential building and that third party has insurance brokers that handle all insurance policies, but they would not talk to them. Every few weeks I would get another letter asking for another insurance policy, or stating that that policy expired and they will charge me for the one they will buy on my behalf. 
They had a nerve to charge me with {$1400.00} escrow balance added to my mortgage statement! 
Only when I called asking what 's that for and why they did it, they stated that it was just removed! 
They basically do whatever they want and play with my mortgage. 
I am appalled by it and can not believe this is permissible. 
Please note that I do own personal insurance of the coop, what they asking is BUILDING related insurance policies. 
Kindly please look into it. 
Thank youXXXX XXXX.
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT XXXX XXXX format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!
It is too long of a story. Suffice to say that XXXX bank took 7 months processing our modification request for an non-owner mortgage modification then denied us in XXXX XXXX because the house was not owner-occupied though we applied under the rules for a non-owner occupied. 

We reapplied using XXXX XXXX ... cost of {$2500.00} after spending {$400.00} from a lawyer whor recommended their free service..from XXXX Washington in XXXX XXXX, who submitted a XXXX plus page modification package XXXX/XXXX/XXXX. But XXXX did not tell Northwest Trustee Services to postpone the sale that was scheduled in XXXX for Friday, XXXX XXXX. Nor did XXXX inform NWTS that they had received a modification package. XXXX then received update document XXXX/XXXX/XXXX. Yet instead of informing NWTS to postpone the sale, they transferred the loan to XXXX in late XXXX. XXXX nor XXXX sent us a letter 30 days in advance of this transfer as required. Now XXXX will not inform NWTS of the modification papers. And NWTS knows of the modification papers because they have responded to parkview services acknowledging the prior XXXX file XXXX and now the new file under XXXX XXXX. But they have not postpone the sale date, as required by law. 

Unless something occurs according to what NWTS and XXXX must do according to law, I will need to to file under bankruptcy protection laws to protect my asset. {$2000.00}
CAPITAL ONE BANK XXXX NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX I want the above account removed from my three credit reports. XXXX TransUnion, Experian, and Equifax XXXX This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP. 


XXXX  XXXX # XXXX XXXX XXXX   XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX I also want the above account removed from my three credit reports. ( XXXX, XXXX, and XXXX ) This account says that it was XXXX  in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP.
When my credit was pulled there was an account from Enhanced recovery for XXXX.I requested validation of debt including contract and account history.The date they are reporting is not accurate and what they submitted proves the way it is reporting on credit is not correct. I have disputed with the bureaus and yet this company still reports inaccurately. They are indicating that the account opened XX/XX/XXXX yet the final bill was received XX/XX/XXXX and what the collection company forwarded was nothing more than a bill showing total due for billing period of XX/XX/XXXX-XX/XX/XXXX and and bill Date XXXX/XXXX/XXXX and it reporting a previous balance of {$1200.00}. No break down of fees or anything. I did save the final bill received from XX/XX/XXXX. I want this deleted and any reference to this on my credit report. It is also past the statue of limitations for collections in NV. I have attached all documents I have referenced above. I am also sending a copy of the letter that was sent asking for validation.
I had a capital one credit card closed I tried to contact capital one to reopen but they want me to reapply which I know will hurt my score. This card has the second longest history of all my cards. I am XXXX and the card had a 7-year history.
I opened an auto loan in XXXX XXXX with Summit Financial. They just set up a website for the company about 4 months ago. I logged on to pay my account last month. The billed stated that my payment was {$430.00} + {$110.00} miscellaneous fee= {$540.00}. I paid that amount. This month I check my online account only to see that This month 's payment included another {$110.00} miscellaneous fee. I called Summit to find out what this miscellaneous fee is and she explained that the {$110.00} was not being charged each month. It was for XXXX NSF fees that were applied to my account in XXXX. They are continuously charging interest on this {$110.00} even though I made a payment which was more than enough to cover it. Instead of applying my overpayment to eht {$110.00}, they have the funds " set aside '' for me until I have enough extra month to make a full payment. They said that I have to " request '' the money be applied to the miscellaneous fee. Also, this company just recently started sending out statements within the last 9 months. Before then, I had no way of knowing what is charged and what is due. I believe this company is unfairly collecting interest by keeping consumers in the dark in regards to this " miscellaneous '' fee collection and interest accrual. I have requested a copy of my entire transaction history, but I am sure that this " extra '' money they have sitting aside for me has been there for a while. And instead of applying it to my principal balance, they have been unfairly gaining interest on it while charging me additional interest at the same time.
I have provided my condo unit owner policy to Loancare and have provided the name of the agent for our HOA regarding the master condo policy for XXXX. However, Loancare insists that I provide 1 ) detailed policy information concerning the HOA 's policy, and 2 ) that they be named on the condo 's master policy as mortgage. However, I do not have details about the policy and can not request that someone be placed " on the policy '' because I am not the named insured. Loancare refuses to contact the HOA 's agent and instead is threatening to take to out a master condo policy on my behalf -- truly bizarre as I am an individual unit owner -- and then charge me. If I do not pay for this duplicative insurance then I will be in default and may lose my home.
XXXX is flagrantly violating federal and state consumer protection laws. I have been paying {$250.00} per month for more than a year to XXXX through their abusive debt collector that they hired to collect on their debt Financial Asset Management Systems. XXXX has illegally manipulated their reporting of the debt to XXXX by not identifying the repayment plan that I have participated in for the past year at {$250.00} per month, and a 0.01 % interest. XXXX has modified their reporting to XXXX for my account t to make it appear like I have n't been paying for the past year as they had stated in writing they would. In addition, XXXX is now reporting the accounts as in collections on my credit report which they had n't done before and was in retaliation to the complaints I have filed against them and their debt collector Financial Asset Management Systems. The only reason to report the accounts in collections now was to try to hurt my credit report even further. Even though I have been paying for over a year and even though they have broken federal and state consumer protection laws many times. In addition, they have added unconscionable fees and interest to my accounts to which they have never fully accounted for. XXXX is engaging in violations of state and federal consumer protection laws.
Dear Sirs, I was XXXX less than one year ago. About one week into my 11 day stay, I was approached by a man that said his bonds person will bond me out. I released my Bank of America debit card to his bonds person. The following evening when I was not released, he said it was because it was Sunday. The following day when I was not released, he said he needed the zip code to my debit card account. The next day when I was not released, I asked to speak with an officer and he cancelled all actions. A few days later I was bonded out by my employer. I immediately checked my bank account and it was emptied. There was a {$720.00} credit posted to my Bank of America checking account which taken back the following month. A Bank of America representative said there was nothing unusual about the transactions. I did exactly what Bank of America required and I filed a police report with a XXXX County officer. Do we not have cameras that record transactions? Are not cases involving fraud federally insured? How can we make the man and his friends repay the money him and his friends stole from me and the bank? What about my time filing a police report with a police officer? What do you think should be done in this situation? Sincerely, XXXX XXXX XXXX
By XXXX I filed a dispute with Experian CB regarding different closed accounts that has more than 7 years on my credit report and now are consolidated in XXXX account. I requested immediate removal from my credit report. On XXXX XXXX, 2016 Experian sent me an update with the accounts still under investigation and with a note stating they will resolved it by XXXX XXXX, 2016, as today is XXXX XXXX, 2016 more than 30 days later and I have n't been notified of the results. and there is no dispute note on my report for those accounts. By not replying in a timely manner to my initial request violated federal law. 
Accounts : XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX I appreciate your help on this matter, Failure to comply with federal regulations by credit report agencies are investigated by the federal trade commission ( see 15 USC 41, et seq. ) Attached is a copy of the only respond by them back on XXXX XXXX XXXX also My ID for verification
I have filed several disputes with the all XXXX of the CRA 's and have also disputed directly with XXXX XXXX Bank in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the first time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts.
On or about XXXX XXXX, 2015, I received an email regarding refinance of a mortgage. I provided contact information. The first company to call was from XXXX, CA. Since I had gone to a master 's degree program for a year in XXXX, CA, I had a nice conversation with the caller from Loan Depot. The XXXX company to call was Quicken. I was aware that Quicken advertised themselves as being Highest in Customer Satisfaction by XXXX XXXX XXXX. I received an email from XXXX XXXX of Quicken on XXXX XXXX, 2015 saying he would be my Home Loan Expert. I sent XXXX XXXX an email on XXXX XXXX, 2015 saying that I needed immediate answers by XXXX the next day. XXXX XXXX called and offered my nothing more, except absolutely outstanding service. I went with Quicken on this promise. From the start, virtually all of the communications from Quicken went into my Spam folder. I did not have this problem at any other time and it was a distraction. Throughout the process, XXXX XXXX and XXXX XXXX XXXX, my Client Care Specialist, were out of the office infrequently. XXXX XXXX had XXXX people contacting me in her absence. A major problem with Quicken was their inability to obtain documentation from my condominium company on my development being an over XXXX community. Two or three times, Quicken asked me for contact information on the condominium company. I gave them the link on each occasion. After quite a while, Quicken then changed their request asking me if I had a copy of the bylaws. They asked me if I had the documents and asked me to obtain them from the condo company. Let me state at this time that I chose Quicken because of the personal commitment of XXXX XXXX to provide outstanding service. I purchased my condo about 4 years ago on a 30-year mortgage. I am XXXX years old. I decided it would be good to pay off as much of the condo as i could before i passed. This would make it easier for my wife. XXXX XXXX had people substituting for him and XXXX XXXX had person filling in for her. It made for an unsatisfactory situation. I provided all the information requested on an immediate basis. At the time I opted out of my loan, the bylaws issue was not being acted upon. Quicken asked for a deposit of {$500.00}. They returned {$120.00}. I would like to have my {$370.00} returned because of poor performance. I certainly did not need to have my credit checked ( which they did not include as a requirement ) or to have an appraisal. Quicken does not require a deposit today. Thank you. XXXX XXXX XXXX
I have medical debt that I incurred in XXXX 2011. I have been making regular payments for past 4+ years via checks. Last year the mail was undelivered as the address was invalid. I did n't receive any communication from the Collection Agency about address change. As a result I missed few payments and this debt was posted on my credit history. I spoke to the collection agency yesterday and they told me that I have to pay this debt in full to have it removed from my credit history. They collected all my financial information and it was evident that I could n't pay this in two months as they suggested. 

This is clearly the case of harassment as they are using this opportunity to accelerate the payoff. If I was informed of the address change then I 'd have not let payments lapse. 

Collection Agency info : REVSOLVE INC XXXX XXXX XXXX XXXX, AZ XXXX Ph : XXXX
Experian Credit Union continues to report false information regarding a utility bill with XXXX. For 6 year they reported the opening date of the account as XXXX2009 with the account closing, due to a last payment XXXX/XXXX/2009. Additionally, the report date is wrong. The account was opened for 5 months and closed post XXXX refusal high rates despite a XXXX issue with faulty air conditioning. 

Currently, they are reporting the account as a loan that was taken out in 2009. The term of the loan is reported as one month. The loan is also reported as derogatory. This is despite the account being paid in full. 

-Additionally, the below noted are still being reported on my account despite letters for removal despite letters from collectors for removal. 
* {$60.00} paid medical bill, XXXX {$220.00} XXXX ( XXXX Collections ). * {$750.00} XXXX
They keep sending me offers telling me I'm qualified and an offer number so I go online and apply and it states that I was approved for an amount providing I can provide the proper documentation which I can then everytime they turn around and say no I'm sorry we can't help you at this time. My main problem is not that they didn't give me the loan the problem is this is the 3rd time they tell me I'm qualified and they do a hard inquiry on my credit reducing my credit score after I've worked hard just to get it over 605.even on my XXXX XXXX app it says my approval odds are good for this company I just answered another one of their letters only for them to turn me down and lower my credit score