WillisBack/dataset-financial-user-claim huggingface dataset:
Good Day, I am providing the email I sent the Servicer LoanCare this morning when I realized two of the 4 payments I made were returned. I was one payment away from being current. 

XX/XX/XXXX Loan Care Attn : Customer Support XXXX XXXX  XXXX XXXX  XXXX, VA XXXX I am writing as I just logged into my banking account and noticed that I remitted two payments to LoanCare on XX/XX/XXXX and XX/XX/XXXX each totaling {$2800.00} and just realized they were returned. I just called the toll free number of XXXX. Below you will see the payments I made which were to correspond with the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The lady on the telephone in your collections department indicated the payments were returned as they wanted all 5 payments. 

As you can see below I made 4 payments which would have made XX/XX/XXXX as being the only outstanding payment and putting me closer to current so I could get back on track. 

All this has done is set me up for failure. She wold me I had to email in order to get this researched. I am going to send a notice to the Consumer Financial Protection Bureau as well as I believe it has been mishandled I have attached the screen shot from the bank showing electronic payments processed and my XX/XX/XXXX bank statement showing the withdrawals on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Thank you
This is about a seven year old medical bill that Equifax refuses to remove and keeps letting the collection company report it. XXXX XXXX XXXX is the collection company. XXXX XXXX XXXX is the original debtor. Amount is {$620.00} First delinquency date is XX/XX/XXXX. It is still listed on my credit report and the last update was on XX/XX/XXXX. I have asked that it be removed as stated by federal law on consumer debt after seven years but Equifax refuses to do so and just keeps on letting it be updated every month.Fair and correct reporting is what they say but I do not ever see it when it comes to Equifax.
I received a phone call at a friends house looking for me and they wanted me to call so I did. They state I have a pay day loan and made two payments, but have a balance. I told them that I have paid it back and they continued to haras me verbly. Then I told them that I have just filed chapter XXXX bankruptcy on XXXX XXXX XXXX and they said not dischargable, breach of contract. So I called my lawyer and was informed all was discharged and all contracts null and voided.Bankruptcy super seeds it was chapter XXXX federal bankruptcy. Some one needs to stop these crooks fell for it once and lost over four hundred dollars also did a search on them they are loacated in XXXX ma shows some ones house. this says fraud all the way.
This is an issue with MoneyGram online service. 
I made a transfer of money to XXXX from USA, {$50.00}. Moneygram webpage informed me of a fee {$4.00}. if I use my credit card. 
When I received my bill from credit card, there was an additional fee of {$10.00}. 
When I called the bank they told me that MoneyGram coded the transaction as cash advance, and as such there should be a fee of {$10.00}. When I called MoneyGram, they read me a disclosure of a recent change in agreement between MoneyGram and Credit cards Association stating that the transactions between them will be charged as cash advance not as credit card transactions. Nowhere on their website there was a mentioning of that. I believe it is a breach of law. Because each ATM has a legal disclosure of a fee when I used my credit card as a a cash advance. MoneyGram must inform a customer of the fact that a credit card transaction will be billed as a cash advance with an additional fee. When I called the MoneyGram escalation department, they refused to acknowledge the situation
I have made portfolio recovery aware  on 3 o ccasions that the debt that they were trying to collect did not belong to me. the accounts  XXXX  for the amount of  XXXX  and the account  XXXX  for the amount of  XXXX . I have requested documentation that validates the debt belongs to me since they have not removed it being notified that the debt was not mine. I spok e to one agent that said they would just sell the debt or sue me so i may as will settle it to get  rid of it. I spoke to the next agent after asking for validation again they sent me credit card statements with my name on it for validation. I told them if someone opened an account fraudulently it would be in my name. I sent them a copy of my signature to verify signatures. The agent then instructed me that they do n't have any signatures, contracts, applications or identifications. Yet will not remove this fraud account.
Hello, I am writing a complaint, due to your false reporting of information on my credit file. There is a bankruptcy chapter  XXXX  appearing  on my report. I have sent letters to your company regarding these issues without a logical response, only that you have " verified '' that the reporting is correct. So, I took matter into my own hands and looked into this issue even further. I actually went down to the see the county clerk and had a conversation with a court representative. I asked him, " How is it that Experian or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a FULL social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case. I then decided to contact the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. So I say to you, how can Experian or a third party information gatherer get into the court system and verify as such that the full social security number belongs to me and not to another person with a similar name/last 4? You are r eporting false information that can not be fully verified by the court system. If you have already petitioned the court, please provide me a copy of the documentation used to verify my information and the person with whom you verified the information. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you  remove it immediately or face a lawsuit. Here is the bankruptcy in question : 1. US BKPT CT FL FT LAU 2. No plantif ( left blank )
I contacted Mariner Bank requesting debt validation and they have yet to send it to me. I have however rec 'd XXXX threatening letters telling me to get online and pay now or I will be hearing from their attorney. I asked them three times not to call me at work and three times they violated my request. I am not allowed to receive calls at work. Secondly I instructed them to stop calling anyone but myself to discuss this and on XXXX XXXX, 2015 XXXX called a friend of mine in XXXX XXXX Texas after I specifically said not to. I have given them my contact information and told them to write to me and they still refuse to do so and seem to be using the bullying attempt. They are calling his house and they know I do n't live there. I am in financial bind currently due to having to leave a violent home situation and he will not give me my belongings..
I took out a title loan with Title Max, but shortly thereafter lost my job on XX/XX/XXXX. I paid the loan up to XX/XX/XXXX, but my employer fought the unemployment claim. I told Title Max on several occasions that they could come and get the car because I am not working and the car is just sitting there and accruing interest. I spoke to the Office Manager XXXX and several others and they keep stating they will allow more time, or see what they can do. I told them I do n't want anymore time and asked that they come and get the car. They have refused 4 times. Meanwhile the car has gotten a ticket for still being in the lot and not having proper plates since it has not been driven since XX/XX/XXXX. I am unemployed and have no way of getting the car to them ( gas money/XXXX ) since my unemployment is the last drop of money I have. I believe Title Max is stalling in order to have the highest possible interest rate activated since they no I can not do anything about the situation. I have spoken with them XX/XX/XXXX, several times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They continue to call and harass me about paying.
I signed up for the American Express XXXX Surpass card in XX/XX/XXXX while a promotion was going on that offered a free XXXX weekend night after the one year anniversary of holding the card. This offer stated " The free weekend night award will be sent as an email from XXXX to the email address listed on your XXXX XXXX account within 6 - 8 weeks after the first anniversary date of the Card account ''. On XX/XX/XXXX, I contacted American Express to inquire about that status of the reward and was told " The maximum time is 6-8 weeks. However, you may expect within 1-2 week as well ''. On XX/XX/XXXX, I contacted American Express again - this time, I was told that XXXX was responsible for providing the reward. I contacted XXXX and was told " American Express, not XXXX XXXX, determines if the card member is eligible to receive a Weekend Night Reward ''. I contacted American Express again on XX/XX/XXXX and was told an inquiry about the issue would be raised. Finally, on XX/XX/XXXX, I contacted American Express a final time and was told that no investigation was ever started ; however, the representative offered to open another one and stated I would be contacted " within 3-5 business days the outcome will be updated. [ And ] if you wish we can also arrange a call back once we hear from them ''. As of today, I still have received no response about this issue.
XX/XX/18 XXXX XXXX from ARA called my daughter and told her about a debt that I owed. After she requested that he send something to validate the debt to her email. He sent a settlement contract which was only one sheet of paper and a certificate of license from Illinois. She called him again and said that's not what she requested. She asked that he validate the debt so we can settle the matter. He said she can request a validation all day but that I owe this money. He gave her my full social security number and told her that I had enough assets and would not claim bankruptcy. Finally, she told him, I just want you to validate this 11 year old debt you're claiming he allegedly owes. He said I will see you in court. I was nowhere near my daughter at the time to authorize him to give her such information, especially my full social security number.
Cavlry SPV I. LlC ; address ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX is attempting to collect a debt that I am not responsible/or owe for purchases with a XXXX Credit card as part of a charge-off via XXXX XXXX XXXX and new company owner name XXXX XXXX. I have never owned a XXXX credit card or used a XXXX credit card to acquire product goods and services two years past in 2013. Therefore I believe this is an identity Theft case in which I am the victim.
I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
I decided to check my account to see if my balance has changed since I 've started making payments, and it has n't. As a matter of fact it has increased. The company is American Education Services ... .I want to know why in the XXXX has my balance not decreased? Every since I 've been making payments my balance has increased. If my balance does not reflect what the XXXX I 've been paying, I will be consolidating and moving to a new servicer!!!! I 'm sick of you people! Student loans come from XXXX!! This whole industry is built on thievery. And yes I want my comments published so every one can see this company is horrible!
Banco Popular has given a loan according to the Board Meeting Minutes to XXXX XXXX XXXX XXXX where I currently live with the purpose of obtaining a certificate of occupancy that expire XX/XX/XXXX. As an owner I do not agree with Banco Popular giving this association a loan for the following reasons : At the time of application the association was dissolved by the Secretary of State for not having a registered agent in XXXX. There is possibly over half  a million in  invoices for services that were never provided. Thee Board also passed a special assessment in XX/XX/XXXX for   {$120.00}, XXXX with the purpose of obtaining the Certificate of Occupancy, the funds are gone, and Certificate of Occupancy was not obtained. The Board of XXXX XXXX can not be trusted with property owners funds. Banco Popular may be giving a loan to a condo association that has been reported to : Provided fabricated ledgers Covered up that the Secretary of the Board XXXX XXXX XXXX was delinquent for 2 years Board member XXXX XXXX XXXX apartment was foreclosed as of XX/XX/XXXX by XXXX and has been accused by XXXX XXXX of fabrication and fraud Multiple cases with Department of Business and Professional Regulation where the state agency held the Association had violated the law Building does not have a Certificate of Occupancy Failed to do taxes for 4 years Owners requested an Audit on XX/XX/XXXX that was never finalized {$3000.00} were paid for nothing. In light of these serious character issues its incomprehensible why Banco Popular would give XXXX XXXX XXXX a line of credit for {$75000.00} that ultimately owners like me will have to pay.
On XX/XX/XXXX I reported a fraud charge to capital one. On XX/XX/XXXX, the funds that were disputed were credited back, and available to use. At XXXX XXXX  on XX/XX/XXXX the disputed amount was put on a shadow hold. They are no longer available to use, but the hold does not show on my activity or statement. I was told that I can not overpay to cover the disputed amount and it was suggested to me by a fraud protection manager named XXXX that I apply for a credit increase.
PNC Mortgage Escrow under paid XX/XX/XXXX property taxes which resulted with XXXX lien placed against our property. XXXX PNC motivates us ( via phone call ) un-freeze our equity line of credit with them because values are up again. They charged XXXX dollars, then turn us down. Our PNC Mortgage and PNC Equity Line of Credit are on the same property. This all happened XX/XX/XXXX. 

Regarding the XXXX created by XXXX underpaid property taxes. I found out only after my XXXX credit score went from XXXX to XXXX in one quarter. After researching, I was shocked to fine a XXXX lien on our house due to the XX/XX/XXXX underpaid property taxes. With more digging, found out that a 3rd party entity purchased the tax lien from the city/county. With the potential then to be sold on the county court house steps. After notifying PNC, they claimed no knowledge. I went to the 3rd party entity to please print the XXXX information and sent this to PNC. Their Escrow department blames us for not keeping them up to date with the property taxes. They claim we lost an appeal while we actually were successful in getting the property taxes reduced from XXXX to XXXX. With more complaining, PNC eventually did pay back taxes. They are not helping to get the XXXX removed from credit and claim not their problem when it was them not paying the taxes that created the lien. Having an escrow account, I thought was to help protect our property taxes being sold to a 3rd party entity, then sold on court house steps. PNC accountability to customers, mis-management of escrow has caused serious damage to our credit. 

After the XXXX ordeal ; ( this summer ) PNC guided me toward unlocking an existing PNC Equity Line of Credit on the same property. Person on PNC phone marketed how easy it is to unfreeze an equity line of credit due to values going up again. Simply pay XXXX to have your account un-frozen. Not an issue. They denied the unfreezing of PNC Equtiy Line of Credit. We live in XXXX and next to XXXX ( Where properties have seen values soar ) ; We also live on XXXX 's new green park system called the XXXX. 
Was it the XXXX that PNC created, then used to deny us? or was it the Appraised value which is also very questionable. We are very concerned with the mismanagement of escrow and marketing used. And also want to help prevent this from happening to other people that have escrow accounts that pay for property taxes and insurance.
this collection company is trying to collect money i do not owe to an insurance company. it is on my credit report as derogatory info.
The whole year of 2017 i had sent letters after letters to XXXX  and Transunion complaining to them that my files are crossed filed with my fathers, hes a XXXX and I am a XXXX.The item is a Repossession of acc #  XXXX that's reporting on my file and their response is that its been verified as mine. I've written numerous of letters stating that i need verification of the contract that was signed by me as the consumer with my social security number on the contract, but they have not produced no contract at this time. I am fed up and about to go file with my claim if this does not get resolved soon. I have already sued them before for what they have done to my reputation and about to do it again if this item does not come off my report with out verification. This has happen to me before with our files getting mixed up.I need them to provide me the burden of proof that i was the buyer of the vehicle when purchased with my signature and social security number on the contract.
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX XXXX  and XXXX credit report reveals that a fraudulent application was submitted TO Sterling Jewelers with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. An official dispute of this fraudulent inquiry was submitted to Sterling XX/XX/XXXX however a current credit report still shows the fraudulent data is still being reported which is a violation of the FCRA.
In XXXX of 2014, I applied for a secured credit card with Wells Fargo ; I was required to deposit {$5000.00} with Wells Fargo in order to obtain the card ; the bank employee told me that they would hold my {$5000.00} for 1 year after which they would return it to me. Wells Fargo still has my {$5000.00} after I recently decided to cancel their credit card and they now state that they will not return my money for at least 2 months! 
I received a letter from them regarding " closure of your credit card '' with absolutely no mention of my {$5000.00} security fund. It no longer appears on my online summary either. HAD I KNOWN THAT THEY WOULD NOT RETURN MY MONEY TO ME AFTER CLOSURE OF THE ACCOUNT AS THEY HAD PROMISED, I NEVER WOULD HAVE ACCEPTED THEIR CREDIT CARD. WHY ARE THEY HOLDING MY MONEY WITHOUT ANY NOTATION OF IT ANYWHERE THAT I CAN SEE???
My credit is frozen due to past experiences with fraudulent charges and it has taken several painful years to rebuild my credit. During those challenging years the credit bureaus were no help at all. Therefore, it is so important to me to protect the credit that I worked so hard to gain back. Recently, I had an emergency situation and needed to unfreeze my credit. Equifax made it impossible. It was obvious that they would help me only if I had a product with them, but the office to unfreeze my credit was closed. I tried to do it online and received a message that further information was needed despite having my pin. Why are they so willing to place negative information on your credit file and yet so unwilling to help me when I want to protect it.
Flagship Credit started recently started reporting a collection account on my credit report. Prior to this account appearing on my credit report, I never received a notice of my right to dispute this account. By failing to provide the notice of right to dispute, prior to reporting this account on my credit report, Flagship Credit has violated my rights under the Fair Debt Collection Practices Act.
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX   opened XX/XX/XXXX opened XX/XX/XXXX ( authorized user )
Dear Sir or Madam : I am writing to file a complaint against the following third party companies trying to collect on a debt for almost 2 to 3 years now that does not belong to me. I have written them along with all 3 credit bureaus to validate the debt with a copy of my Photo ID or signature, however it has never been provided. They are only sending me a copy of a bill with an old address and they are still reporting this debt. 
XXXX XXXX XXXX # XXXX {$410.00} Acct closed XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX # XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX {$210.00} XX/XX/XXXX 2 ACCTS : PORTFOLIO RECOVERY # XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX AND {$510.00} XX/XX/XXXX XXXX , VA XXXX
Who may concern.. 
Hi..I have more than XXXX CREDIT INQUIRES ON MY CREDIT REPORT! I 'm going crazy! I 'm a single mother of XXXX boys ... I have XXXX XXXX! And this CREDIT INQUIRES ON MY CREDIT REPORT, ARE KILLING ME! I ca n't even rent a Apartment for me and my kids!!!!! I need your help! Please help me?? 
Thank you for your time and support
I received a letter dated XX/XX/2018 from RMCB requesting a past due balance of {$190.00} for XXXX XXXX. The letter did not advise me of my rights to request documentation to validate the charges. I requested documentation to validate the debt RMCB by phone on XX/XX/2018 at XXXX XXXX for the debt in which they were collecting. I specifically requested the dates of service, procedures performed and by whom. The first representative offered to email me this information which is in violation of HIPAA as this information is medical and private in nature. I requested to speak to a supervisor. I was transferred to a supervisor at XXXX XXXX. I expressed my concern about the letter I received and the lack of disclosure of the 30 days in which I could request validation of the charges and my concern an employee of the company would offer to email confidential medical information. As of XX/XX/2018, I have yet to receive any documentation regarding these charges. 

RMCB placed a collection account on my credit report prior to me receiving any correspondence notifying me of this debt. 

Debt validation is a federal right granted under the Fair Debt Collection Practices Act. I was not even informed of this right in the correspondence I received. 

The collection company 's information is as follows : AMCA/RMCB XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX
XXXX Complain letter. 
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company supposedly has on file that was used to verify the accounts and inquiries that I have disputed. Being that they have now gone 30 days and STILL can not verify these under accounts or inquiries under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete ALL information which can not be verified that I have disputed. Please resolve this matter as soon as possible as I am prepared to take legal action if this is not resolved.
To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help.
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Equifax shows XXXX disputed XXXX disputed XXXX disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires