WillisBack/dataset-financial-user-claim huggingface dataset:
Received threatening letters so i called to clear up the confusion and its just a gimmick to have you call and be sold XXXX or get a " free XXXX gift card ''. There is no representative available to speak to, just a recording to connect you to sales.
All inquires are from XX/XX/2018 and are fraud XXXX XXXX XXXX Capital One Saks Fifth Ave XXXX XXXX   XXXX XXXX Capital One XXXX XXXX
I attended XXXX XXXX XXXX XXXX XXXX, they shut down and I could n't get my degree. Was contacted by a group called XXXX XXXX about getting my student loans dismissed. Paid them close to {$900.00} for their services. I am getting bills from Navient regarding my student loans. Tried to make contact with XXXX XXXX, but seems like they are being sued and their phones are n't working.
I have had many financial struggles in the past. It has taken me years to finally become financially stable enough to work on my debts. In XXXX, XXXX, & XXXX there were late payments to FedLoan posted to my credit score. Recently I have been paying off what I can to build my credit score up, but there are XXXX late payment reports posted by FedLoan that are keeping me from making any serious progress. I understand if the XXXX payments have to stay on until the 7 years is up, but my understanding is that reports on a credit score are removed after 7 years, so I am hoping that the XXXX XXXX & the XXXX XXXX late payments could please be removed. I have set up automatic electronic payments with FedLoan to slowly but surely pay off my loans. Trying to get an apartment or a car will be severely affected by my credit score & every little bit that I 'm paying off is helping it.
This person keeps harassing me, my husband who took the loan and my family and friends. First of all, my family and friends have no need to know about our personal and financial manners. 
Today I received yet another call telling me they would take legal action if I did n't make a payment, unfortunately, my husband is unemployed and I sometimes not able to put food in the table by just my income for a family of XXXX. She continued that my husband must receive income and that I was lying and just continued that she knew where I lived, where I worked, who my family was and was going to legal action and garnish as much wages from my income. When I told her I had already submitted a report regarding this company and would submit another one she hung up.
I submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files since XX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXX they were deleted from my files stating they could not verify the status of my loan from XXXX/XXXX XXXX. I contacted XXXX/XXXX XXXX on XX/XX/XXXX and the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.
I have as ked Central Credit Services to not contact me via telephone and send all correspondences through the mail. Th ey continue to harass me by phone every single day, several times a day, to collect on a supposed debt.     I have also as ked Central Credit Service s  ( three se parate times now ) to provide me with proof of debt, but no such proof has ever been mailed to me. They continue to call without providing any debt validation and they continue to harass me when I have asked them several times to not contact me via phone.     The first time I call ed Central Credit Services to ask fo r proof of debt in the beginning of this year, the female representative who refused to give me her name used obscene language and told me, " I do n't give a  XXXX  what you say   XXXX  , you owe this money. '' For these reasons and more, I belie ve Central Credit Services is  attempting to collect a debt that does not exist given that they are unable to provide me with proof of debt and refuse to follow FTC protocol and industry standards.
I disputed a collection item by XXXX XXXX XXXX, receive a email from XXXX and Transunion that they verified the debt. So I asked them to provide me with a copy of the information they used or that they had on file to validate this collection to this day they have not provided this information or removed this item from my credit report. XXXX on the other hand sent me a copy of an account summary report ( this is not what I asked them for ) I asked them to provide me with a copy of the original contract that I signed with them proving that I owed them the {$290.00} debt they have as a collection item on my credit report. I still have not received that information from them. 

As I understand the law once the original creditor receives a charge-off they forfeit all rights to collect that debt and no third party can assume the role of the original creditor.
I sent US Bank two letters, providing evidence that their claim that the signatures matched did not have merit and asked US Bank for proof of indebtedness - proof I applied for or accepted a card offer, US bank responded with a letter dated XX/XX/2017 stating : Transactions claimed as fraud were transacted by cardmember.
I am receiving daily text messages from Citibank concerning a Citibank credit card. 
I have no business relationship with Citibank. None whatsoever. 
I have called Citibank and asked that the text stop. Citibank acknowledges sending the texts to me, and promises they will stop. 
Citibank continues to send me texts. 
Again, I have no business relationship with Citibank. No account, no balance owed.
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX/XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
They sent me a letter i received with the date of XX/XX/2018 and i received it on XX/XX/2018. On the letter stated I needed to contact them within 30 days but even through I debt via mail the same day they continued to collect. The same day I sent a letter via certified mail with return receipt stating that the debt doesn't belong to me and I advised that they not continue collecting. The debt collector never sent me validation of debt and I'm now seeking litigation for them violating the FDCPA subject to XXXX. If this debt isn't removed with 5 days, I will be seeking damages through XXXX courts for not only this collector but the other collector who they brought this debt from. Stop violating the FDCPA rules and do things the correct way. Now litigation is being seeked. You have 5 days to remove from my report, even after you violated my rights to dispute with 30 days. You collector really don't care. People aren't going to pay on debts they don't owe. I've been harassed even after I asked you not to, I had enough. Again stop trying to collect on an accounts that doesn't belong to a person. original letters will be shown at court.
I purchased a XXXX from an XXXX seller and it was not as advertised. The product was damaged. I contacted XXXX support and they asked me to return the item back to seller and I provided both seller and XXXX with a tracking number. The tracking number for the item I shipped back is XXXX XXXX. XXXX told me they could not refund me the amount owed. The product is {$1000.00} and I paid an additional {$89.00} to ship the item back to seller. I called Capitol One and asked them to dispute the charge of {$1000.00} after I gave them the appropriate documents by email and also submitted to them the tracking number for my return. Capitol One told me I had to wait 10 business days to receive a refund. I contacted them again after 10 business days and Capitol One told me to wait another 10 business days. I feel like I will not be getting my refund of {$1000.00} especially when the tracking number proves I returned the item back to seller on XXXX XXXX, 2016 and I am still not issued a refund. Capitol One is also charging me interest charges for the amount I am disputing as well.
Equifax is stating that XXXX Account XXXX is reporting correctly and it is NOT. This debt was cancelled through IRS Tax year 2015 with Form XXXX. I have included the paperwork many times that proves this yet Equifax continues to ignore the paperwork. Consumer Financial Protection Bureau is suppose to make this right and force Equifax to obey the FCRA and report this correctly. The paperwork is right here and states clear as day that this debt was cancelled. THIS ACCOUNT SHOULD BE REPORTING XXXX BALANCE AND CLOSED. I do n't understand how Equifax can get away with breaking the law and you Consumer Financial Protection Bureau are letting them get away with this. My next attention will be a law suit.
American Express ( AMEX for short thereby ) had an AMEX offer promotion which is to spend {$150.00} or more on XXXX XXXX XXXX XXXX for Business and get XXXX XXXX points, up to 3 times on my AMEX card ending with XXXX. ( XXXX XXXX points eligible in total for this offer ) I participated this promotion, and made three $ 150+ payments on XX/XX/XXXX and XXXX respectively ( which were eligible before the promotion deadline of XX/XX/XXXX ). I got XXXX XXXX points on XX/XX/XXXX, but the remaining XXXX XXXX points has never shown up on my account. 

I contacted AMEX through their customer service chat channel on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking about the XXXX XXXX points. AEMX customer service admitted that this particular XXXX XXXX points has been issued, but never posted to my account, which means that my participation is eligible but AMEX just does not give the XXXX XXXX points to me.

Each time I contacted AMEX, the customer service representative and even their manager would say to submit a request with high priority for their back office people to investigate, but the points never came to my account after I have been waiting patiently and politely for more than 6 weeks from when I started the first inquiry, and for more than 8 weeks from when I made the eligible spending.
Nationstar Mortgage bought my mortgage from XXXX Mortgage in the XX/XX/2014. An error was made in the handover. Nationstar began writing, texting, calling, and emailing me about only making a partial payment. No matter how hard I tried, Nationstar insisted I pay the remaining balance. They even said they conducted an internal investigation and determined positively I had only made a partial payment. Finally they said they were sending a letter to the credit companies as I was in arrears. At that point I contacted XXXX Mortgage and explained my problem. They assured me I was on time with all of their payments to them and they would contact Nationstar. A short time later a man purporting to be a Nationstar Vice President called and apologized for their error and harassment. I told him I was concerned about my credit score. He assured me no notice had been or would be sent to the credit companies. I recently was turned down for a XXXX XXXX credit card because of my credit. I downloaded a XXXX credit report. It contained a negative report from Nationstar saying I had been 30 days late with a payment. I contacted Nationstar. They sent in a correction. I am appalled they can adversely affect my credit irresponsibly and I can not get the XXXX XXXX credit card. Can any action be taken against Nationstar, for example a fine or adverse report on their record? My Nationstar loan number was XXXX. I have since sold the property and paid off the mortgage. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Phone is XXXX.
Capital one has been soliciting me aggressively for a credit card after I asked them to stop sending me offers. One time they made me an offer, I accepted and then they closed the account before I could use it. They removed the inquiry off my report as agreed to in my previous complaint. But they have n't honored the agreement.
In XXXX I started the loan modification process. After submitting all the documents we started the process, soon after all the problems surfaced which dragged the process to XXXX XXXX many times I explained the situation to Bank of America either I received no response or a lie that my loan modification was in the process and would be approved once I resubmit needed documentation, Even the { XXXX } manager lied by saying that she is going to be working with me to complete the MODIFICATION not to worry. I was told countless lies. 

Most of my documents were either lost or not processed correctly. Those that were processed had all the wrong income figures. They literally made mistake in their calculations and did not want to accept responsibility. Even when I found knowledgeable individuals to explain their mathematical errors, their response was, " This is what it is, '' and that they were not going to correct them. They dragged the modification process while adding on late fees etc. In another department BOA has started the foreclosure process being that the loan is in default. According to { HAMP } guidelines ... .I qualify for the program
this debt was supposed to be paid by insurance. Insurance did not pay and the company said they would ruin my credit.
Hello, I have a judgment appearing in the public records section of my credit report on TransUnion and XXXX. This item has been removed from my XXXX credit profile. My concern is that the date appearing on the item is different on my TransUnion and XXXX credit profiles. I 've disputed this a couple of times and never get a satisfactory response. I do not want this item to remain on my credit profile longer than it should be. At this time my dispute is not with the company that filed the judgment, but with XXXX and TransUnion for reflecting the wrong date. This judgment was filed against me in XX/XX/XXXX, so it should be up for removal in XX/XX/XXXX. I 've included a screenshot of what appears on my credit with all XXXX major Consumer Reporting Agencies, including how it reflected with XXXX prior to removal.
I logged a complaint with you : XXXX. Chase received it and sent a letter to me about it back in XXXX. It is now XXXX and I have heard NOTHING SINCE. I contacted them and left messages and no one responded and the general line claims they can not patch me through because that department doesn't have phones, which is an outright lie, since they provided me with their number, which they never answer. 

I JUST WANT MY MONEY BACK!!!!
I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX  has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX  of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX
COLLECTOR FAILED TO VALIDATE DEBT IN VIOLATION OF FCRA, AND IS STILL TRYING TO COLLECT SAID DEBT AFTER THE S.O.L. PERIOD EXPIRED IN ILLINOIS OR 5 YEARS. LASTLY, SKIP TRACING ME BROTHER AT (XXXX) XXXX AND (XXXX IN VIOLATION OF TCPA, AND KEPT CALLING MY CELL (XXXX) XXXX.UNLAWFULLY REPORTING ON CREDIT FILES IS A MAJOR PROBLEM AND MUST BE PUNISHED.
XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX Above I am starting with the contact information I received from the dispute I filed for XXXX. I  attended college for XXXX XXXX and did not get to finish the program because the school shut down when XXXX colleges took over XXXX college.  They committed fraud and lied to their students about the school shutting down including me and got me to spend more money knowing the school was shutting down. I did not get to finish school and should not have to pay for these loans. They expect me to pay around 6 grand a month but I did not finish my degree so I do not have a good XXXX job to pay like I would have if I would have got to finish school. I found a website online last year and finally got a mailing address to mail papers in to detest the student loans but never heard anything back. Tried to research number s to get ahold of them and nothing ever went through and no one got back to me. I need help getting justice for the loans that I should not have to go back. They are destroying my credit and I can not and will not pay the loans back for a degree I did not get to complete I will eventually have to file bankruptcy if the loans aren't forgiven. Many students got their loans forgiven because of the fraud XXXX  colleges committed and I should be one of those students.
I have recently reviewed a copy of my personal credit reports ( Transunion, XXXX and XXXX ) and have noticed numerous mistakes and inaccuracies in which I am bringing to your attention. 

I had a credit card account with XXXX XXXX, that unfortunately went into default due to a financial hardship in XX/XX/XXXX. I called on XX/XX/XXXX to XXXX XXXX -with the propose to resolve this debt because the account is reporting a Balance on my credit reports- I spoke with a representative named XXXX, He told me that XXXX XXXX just forgiven the debt and sent me a XXXX form, I asked if they are collecting the balance and he said is any balance owe to the XXXX XXXX  and they are no longer collecting the balance. 

I verified my tax records and I received a XXXX Cancellation of Debt from XXXX XXXX, and subsequently had to pay the IRS the income tax due on the cancelled debt that XXXX XXXX   reported. 

I disputed the account with the 3 credit bureaus because they are reporting a balance in my credit reports, but XXXX is not longer collecting any balance and forgive the balance of the account, so I don't see the reason why the Credit Bureaus and XXXX are reporting a Balance on the account. 

I have done research on the topic and would like to advise both the Credit Bureau that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled that as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. 

See : See, e.g., In re XXXX, XXXX XXXX XXXXXXXX, XXXX ( XXXX. XXXXXXXX. XXXX. XXXX. XXXX ) XXXX XXXX v. XXXX , XXXX XXXX . XXXX XXXX ( A ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX XXXX ) XXXX XXXX XXXX . XXXX v. XXXX, XXXX XXXX. XXXX. XXXX  XXXX ( XXXX XXXX. XXXX XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). " is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at XXXX. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at 271. 

I have been advised that you have thirty ( 30 ) days to begin and conclude your investigative procedures. Upon completion, I request to know the name and address of the verifying source along with a description of the process you used in contacting them. Furthermore, I request that you provide me with an updated and revised copy of my credit file reflecting your correction of these errors.
XX/XX/XXXX, after seeing two collection accounts on my credit report that I did not recognize, I called Synerprise ( the collector ) for an explanation. I was told that the original debt was for medical bills for XXXX XXXX for invoices dated XX/XX/XXXX. I had been shopping for a mortgage and was frequently checking my credit report. These items were not previously on my report. 

On XX/XX/XXXX, I called the original creditor, XXXX XXXX XXXX and spoke with billing representative XXXX. I explained to her that I had never received an invoice or a request for payment of service. XXXX explained that a statement had been sent via US mail. I gave XXXX my current address, as well as a previous address. She stated that the statement had not been sent to neither of those addresses. She would not tell me the address to which the statements were sent nor could she tell me where they had received the incorrect address. I explained to her that all of the information provided to the hospital and my insurance company reflected my current address. XXXX explained that they did not receive my address from the hospital, but could not explain from where they had received it. I requested to have the account pulled back from collections so that I could pay them directly. I was told this was not possible. I was also told that the account had been turned over to collections in XX/XX/XXXX. I requested to speak to a supervisor and was told that the supervisor would need to return my call. I left my phone number and we discontinued the call. I never received this call. 

It is completely unfair that these charges should count against my credit report when I was never given the opportunity to pay them. I have been at my current address since XX/XX/XXXXand all of my information was accurately reported to my insurance company and the hospital when I registered for XXXX. Both the original debtor and the collections agency understand that the invoice was sent to an incorrect address, but refuse to rescind the collections account.
WE RECEIVED OUR HOMEOWNERS INSURANCE RENEWAL STATEMMENT XXXX XXXX TODAY AND NOTICED THAT WELLS FARGO HOME MORTGAGE PALCED A LEIN ON OUR POLICY. HOWEVER, WE DO NOT HAVE ANY ACOUNTS WITH THEM. WE DID APPLY FOR A MORTGAGE FOR A DIFFERENT ADDRESS, BUT WAS DENIED. XXXX XXXX FILED PAPERWORK ON XXXX XXXX TO PLACE THIS LEIN. SINCE WE WERE DENIED THE LOAN I WOULD THINK IT GOOD FOR WELLS FARGO MORTGAGE TO MAKE IT THEIR PRACTICE TO MAKE SURE THEY HAVE DONE NO ADDITIONAL HARM TO THEIR APPLICANTS AND DOUBLE CHECK MAKING SURE THEY HAVE N'T INFRINGED ON APPLICANTS.
Account Type : LEASE Account Number : XXXX My payment due date is on the XXXX of each month. My payment for XXXX XX/XX/2018 was not past 30 days late. My payment was made on XX/XX/2018. Please see attached proof of payment history. Payment XX/XX/18 Payment XX/XX/18 Payment XX/XX/18 I was never past 30 days. This inaccurate credit reporting is effecting my credit score and As a result, causing emotional distress, interruption, annoyance, and continuing XXXX.
I have tried over and over to let Equifax know that the information on my credit file meaning my date of birth which on file they have XX/XX/XXXX which is my mothers date of birth. I faxed over a copy of my ID and my social which they states they didnt receive. They only received the cover letter. I am now sending my ID and social through here so that yall can send it to them because this seems like my last option to actually get it done.