WillisBack/dataset-financial-user-claim huggingface dataset:
Ref : Case No : XXXX. 

1. This is to inform you that I have received a bill from Renton Collection Inc ( Copy Enclosed as an attachment : Exhibit A ) for an amount of {$88.00} raised on behalf of XXXX XXXX XXXX. Which includes a principal balance of {$46.00} and an interest to date of {$42.00}. I have not utilized the services of this agency till date and I do not now why the collection agency is harassing me for it. 

2. This is also to inform you that I have also received another Summary statement from XXXX XXXX XXXX Case No. XXXX dated XXXX XXXX, 2016 ( Copy of the statement received Exhibit B ). Indicating that they have submitted the case to Renton Collection Inc and I should contact them for further action. 

3. I am afraid Renton Collection Inc has submitted an erroneous claim for {$88.00} on behalf of XXXX XXXX XXXX to whom I do not owe any money as I have not utilized their services. 

4. I have also noticed that they have falsely reported this matter to Credit agency XXXX with malicious intent and it now shows on my credit report as a bad debt. I have disputed it ( XXXX case XXXX. XXXX ) verdict pending.
On XX/XX/XXXX I sent correspondence to One Main Financial ( aka Springleaf ) via certified mail which they received on XX/XX/XXXX @ XXXX. In my correspondence I requested verification of a debt in which they claim was charged off in my name in the amount of {$7000.00}. I have not received original documentation verifying this debt. Additionally, upon further investigation, I retained copies of my credit report and as of XX/XX/XXXX One Main Financial ( aka Springleaf ) had not updated my dispute on my credit report within the time required by federal law under section FCRA, section 623 ( a ) ( 3 ) and therefore have violated my rights. A second letter was sent certified mail on XX/XX/XXXX and received on XX/XX/XXXX @ XXXX by One Main Financial ( aka Springleaf ) addressing my concerns with the validity of said debt and inaccuracies being reported. I received a response on XX/XX/XXXX ( 70 days after my initial letter and 36 days after my second letter ) that it would take an additional 30 to update the information. In this same letter, they also failed to provide me with the original documents I had requested to verify the debt in my original letter dated back in XX/XX/XXXX. The last and third certified letter I sent was on XX/XX/XXXX and was received by One Main Financial ( aka Springleaf ) on XX/XX/XXXX @ XXXX. I requested the same information as the second letter and requested the inaccuracy on my report be deleted due to non compliance of FCRA, section 623 ( a ) ( 3 ). It is now XX/XX/XXXX and to date I 've no resolution, my rights have been violated under the FCRA, section 623 ( a ) ( 3 ), and One Main Financial ( aka Springleaf ) continues to report inaccurate information to all XXXX and XXXX. <P/><P/>In addition to the complaint above, personal and sensitive information was shared with someone else claiming to be me on XX/XX/XXXX at XXXX XXXX XXXX eastern time. I was told by the Executive Office of Customer Care they were of no fault of this even though there respresentative, XXXX XXXX was employed and calling on their behalf.
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Capital Accounts. I requested a validation on XX/XX/XXXX as I do not believe that the account belongs to me and/or was not paid by my insurance. On XX/XX/XXXX I reviewed my credit report again which was updated to reflect that the account was being disputed however I never received validation of this debt nor HIPAA authorization from them. A 2nd validation request was sent out and when I reviewed my credit report again on XX/XX/XXXX the account was still reflecting on my report as disputed with no validation information received by me. Based on their failure to validate this account adequately I would like this account removed as this account is still reflected on my credit profile and continues to negatively affect me.
Chase removed my autopay 14 months after I set it up then reported my account delinquent when payments were not made. I asked them to remove the late payments reported on my account and they insist on the marks being valid. This has caused me to spend hours attempting to fix the issue and also my credit score going from XXXX down to XXXX. This has a tremendous impact on my business as we rely on credit to purchase.
Ocwen loan XXXX XXXX XXXX Last 4 social XXXX XXXX XXXX XXXX XXXX XXXX Ocwen has failed to respond to our claims and therefore we will submit our first complaint report to the Federal government agencies including General Arrorneys office and the national mortgage settlement, third party monitors that report to Congress. Bellow is a partial summary of the full report. 

The first complaint addresses our demand to remove escrow account from Ocwen on the grounds and only submitting monthly statements asking for amounts due of the HAMP modification agreement of 2012 prior to Ocwens acquisition We will fulfill our obligations to any third party funds such as tax and insurance The first complaint address the following failures and violations 1. failure to perform proper accounting in terms of application of full amounts of monthly payment in a timely manner, 2. Holding large amounts of monthly payments in addition to RESPA allowed escrow amounts in additional accounts labeled suspended funds, misc, other, fees Then applying those funds weeks and even months later via transactions labeled credit for fees, application of suspended funds, credit for home evaluations, ... 
3. Submitting products that were falsely created, back dated that contain erroneous information to cover up the charges for fees and products such as false title insurance that does not exist, title searches that cost unreasonable amounts of fees, returned check fees for checks and dates that does not exist according to our bank accounts 4. Delayed crediting to our funds in unacceptable accounting such as partial payments as low as {$29.00} at times and delayed dates as long as several months at times 5. Falsely reporting to the IRS surplus funds as misc when in fact they are exceeding RESPA regulations by unlawful amounts 6. Consistent pattern of faulty accounting and  violations in a repetition manner proving willful intent to gain financial interest of the investors XXXX XXXX by keeping as much funds for as long periods of time possible and causing harm to the consumers Ocwen has failed to perform its duties as a loan servicing company, caused damages to our accounts, credit and title not mention disruptions to our life Due to breach of trust, we do not have any confidence in sending any further payments unless a third party monitor handles the funds and those funds will be for the fixed HAMP payment of principle and interest only This third party will either be the federal agencies or the chapter XXXX court and trustees
Hello. In assisting a client with loss mitigation procedure, Ditech ( formerly Greentree ) servicing is refusing to acknowledge a recorded quit claim and letter of explanation and is demanding that the client get divorced. The divorce is an issue because the wife does not want to share her retirement savings. She has left the property and signed a quit claim. Her income no longer is utilized for the purpose of household debt. I believe this is an extravagant request considering that XXXX XXXX is attempting to get his affairs back in order after the breakdown of his marriage. I thank you for your time and attention to this matter.
To. Consumer Financial Protection Bureau Greetings, I was XXXX from the Military because of XXXX and after a few years of struggle and hardship I could'nt afford to pay all my debt so I decided to enroll in the debt Settlement program. XXXX of my Debt is XXXX an unsecured Debt, which I owed a total of almost XXXX the debt settlement company the XXXX informed me that they already settled the Debt through Midland Credit Management account # ending ( XXXX XXXX in the amount of XXXX check # XXXX paid on XX/XX/2016 and they deducted to my trust fund at XXXX. now the Issues are the Midland Funding LLC is continued reporting to the credit bureau that my account is still open and they continued demanding that I owe money to this collection company Midland Funding LLC I hope the Bureau can Help me to solve this matter.
am writing this letter to request that you remove the late payments and the negative items reporting to thee credit bureaus. I know it is your power to do so via theFair Credit Reporting Act. 

Speaking with the lawyers and the closing company it is standard via a short sale package for the creditor to remove all negative trade lines and stop reporting to the credit bureaus. I am selling via short sale with your approval. I need to put this short sale hind me and move on. 
I am requesting that you remove all negative payments and stop reporting the trade line altogether and not report the short sale. 
There are several letters requesting the same in the short sale package and it had stop being reported but now the debt is being reported again XXXX. I am sure this is an oversight. 
I am now attempting to improve my credit score, but am having difficultly due to the negative listing on my credit report. Therefore, I respectfully request that you remove this negative listing from my report as a gesture of goodwill. 
XXXX XXXXDelete all XXXX Special loan service, trade line for all XXXX credit bureaus and not report the short sale.
On XXXX XXXX, XXXX, I received a letter for an attempt to collect a debt from Federal Pacific Credit Company. I also looked to see if they were licensed in my state, which they are n't. 
Actually, their license is expired as of XXXX/XXXX/XXXX license number XXXX effective XXXX/XXXX/XXXX.
I sent a notice for verification they did not give me the original date of the charge off on this account, nor could they give me a copy of my original signature card and if they were license in the state of CA. I did not get verification with the 30 days and they are refusing to delete this false information off my credit report
Equifax mishandled my personal information which has led to a breach that puts myself and millions of others at risk of identity theft and credit fraud. I am extremely disappointed with how Equifax has handled the reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call from Equifax despite their knowledge of the data breach since late XX/XX/XXXX, and instead am just now learning about it in the news, on XXXX XXXX, 2017.
Last year HSBC offered a promotional program to open checking accounts with them and if you maintained a {$10000.00} balance for a certain amount of time ( I think 6 months ) then they would give you {$350.00}. I realized last month that I never got the money even though I participated in the program and maintained the minimum balance. I followed up with them and they ended up correcting the issue and giving me the promotion, however I wanted to submit a complaint in case this is systemic to all of the HSBC clients that participated in the program and people are getting scammed out of money by the bank. Please follow up with an investigation of the bank to see if they are making promises to clients and then not following through.
Due to billing error by XXXX XXXX XXXX and lease end processing issue with XXXX XXXX in XX/XX/2018, a bill for early termination of my XXXX XXXX XXXX lease was not received from XXXX XXXX XXXX until XX/XX/18. On XX/XX/2018, I discovered the early determination bill existed from XXXX XXXX XXXX for {$1400.00}, after it was reported delinquent to the credit bureaus. I contacted XXXX XXXX XXXX by phone and via email, on XX/XX/XXXX. The representative stated a bill had been sent in XX/XX/2018, I stated I did not receive the bill and requested a bill be sent to me. I also discovered that the address on the bill didn't have my apartment number, which can cause delivery issues as I live in a multiple unit dwelling. As stated previously, I finally received the bill on XX/XX/XXXX. After attempting to resolve the amount with the dealership at XXXX XXXX, I paid the remaining balance over the phone on XX/XX/18.
We have always had good credit, however in XXXX 2013 my husband was unemployed and Chase offered us an " Unemployment Forbearance Program ''. This was effective on XX/XX/2013 and ran through XX/XX/2013. During that time they told us our mortgage payment would be XXXX until employment was found. We were told that these missed payments would go on the back end of the loan. We complied with all of their terms. However we now find that those payments are showing up as late and/or missed payments on our credit report. I have spoken with Chase and they will not adjust this with the credit reporting agencies. We have lived in this house for over 21 years and have never been late on our mortgage. Is there any way for us to get this taken off of our credit report?
We were offered a loan modification mid XX/XX/2017 to begin XX/XX/2017. I sent in an appeal. They never took into consideration what our income was. How could they offer a loan modification without documentation. Also I sent a demand letter asking to see the note. They told me to feel free to go to their office in XXXX XXXX XXXX Utah and see it there. They are legally required to allow me to see it locally. I have resubmitted the paperwork to do the loan modification. I called the mortgage servicer they told me its too late, too close to the auction date. They told me if I can have the auction date postponed by two or more months, then they can do a review. I called everyone and I was told that they can have the auction postponed.
I have been in contact with my bank regarding my mortgage loan since XX/XX/XXXX after reviewing my credit reports and showing they are not submitting payments that are being made on my mortgage loan. I have contacted the company more than several times over the course of the past 5 months. Yet, they still have not updated the three credit bureaus with corrected information regarding payments that I have made, also they have yet to reinstate my credit score. Which is desperately hurting me financially in many ways and continues to lower my credit score even  further. I have brought this matter to XXXX corporation many times over the past 5 months. I have even recently contacted all three credit bureaus in which. Only one has received any updated information. That information is still not submitted correctly by XXXX. I have been given the run around and the issues still have yet to be corrected by XXXX. I even contacted them this morning in which they stated everything had been submitted, corrected. Yet the credit bureaus stated either the information had not been submitted yet. Or is still incorrect. I also have yet to get my credit score reinstated as XXXX should legally be doing after they failed to report payments made on my mortgage loan since XX/XX/XXXX. I have done everything in my power to get the company to fix the issues on my credit. However, it goes absolutely no where and causes myself and my wife more stress and wasted time sitting on the phone. I am now asking for your assistance in this very important matter. Thank you, XXXX XXXX
I have disputed an existing XXXX XXXX account balance with Experian- ref number for Experian XXXX and they refuse to update my account to reflect a XXXX  balance. They have stated that they contacted XXXX XXXX ( account number XXXX ) and that the company verified the account. 

See below .... 

Credit Report dated XXXX XXXX, 2017. Your request was logged as case # XXXX and is now closed. 

We have completed the appropriate updates as a result of our investigation. We strongly recommend reviewing your updated credit report. Should you have additional items or questions, please submit a new dispute referencing your now closed case. 

XXXX XXXX XXXX  account information has been verified with the creditor/ supplier : Our request to disclose the name of the creditor has been declined at this time
XX/XX/18- collector called the number listed and left detailed voice message about me and advised legal action was being taken. That number belongs to a family member that lives in another state.
I sent out a letter to Portfolio Recovery requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted. I have no knowledge of this account and have file identity theft with FTC.
they keep raising my interest rate and i 'm constantly paying every month and my balance isnt going anywhere as majority of my payment goes to interest and not principle. they keep raising and raising and not telling me. just seems near illegal. I call them to help and they do nothing. i know they are getting sued by the government. i was told file a compliant thats all i can do for now.
For sometime know whenever I 've tried to access my Credit Report they keep asking questions that has nothing to do with me.For Example : Mortgage Company that I have been with.I have never own or cosign for a home in my lifetime. This is one of the prescreen questions that has prevented me from accessing my credit report for the past 3 years.
Following a payment to avoid foreclosure my statement dated XXXX XXXX 2015 showed a balance due on XXXX of - {$150.00}. The following statement dated XXXX XXXX 2015 shows a past due amount of {$3000.00} and total due of {$5600.00} despite the prior month not having a balance due. Due to this statement error in XXXX, my payments have not been applied correctly, and I am currently showing as 30 days delinquent. 
I contacted the loan servicer when I noticed the error on XXXX XXXX 2015 and was told that they are unable to see the statements and that I must resolve the matter via email. I followed the instructions and sent the email with the attached documents on XXXX. Since then I have not received a communication from the loan servicer regarding a resolution to the matter. I believe a month and a half is more than enough time to get this resolved. 
I called customer service again today regarding the matter and requested to speak to the department noted in the last email as looking into the matter ( payment department ). I was informed that I am unable to speak to someone in that department.
AutoCredit and MG Finance refuse to remove paid collection from credit report. I paid this repossession about a year after it happened. I paid a settled amount via money order. I called XXXX times to get a paid in full letter and each time I was given a different story of why the letter never came. I am a single mom and things are hard enough without having this report on my credit report every month for the last XXXX years!
I have requested a full statement from them, they told me they would get back to me but never did then when I emailed them they said they would get back to me they didn't then I emailed them again and nothing this is a copy of the email sent to them To whom it may concern, My address is XXXX XXXX XXXX XXXX. you have stopped sending statements on this address for 2 years. I do believe you are not complying with the rule of : Periodic statement rule .So letting you know this I would like the statements to start being send again if you continue to not send them I will file with the Consumer Financial Protection bureau. 

Thank you XXXX XXXX XXXX They are not completing with periodic statement rule I have not record of where or what funds have been applied loan number XXXX
A stop payment was a made for a duplicate payment in the amount of XXXX from XXXX XXXX on XX/XX/XXXX, however, the bank failed to return the items. Their rep stated they are not showing as being returned, she submitted a dispute for the charges. It appears XXXX made a duplicate payment, but do not know how or why it happened, XXXX rep ( s ) did not say who made the additional payment for same amount. Again, the bank failed to stop the items and are now showing as posted to the account and overdrawing it. I need these items returned and overdraft fees refunded, there are XXXX pending items which will be charged fees, paid or returned.
I took out a loan with Speedy Cash somewhere between XXXX and XX/XX/XXXX.I filed Chapter XXXX bankruptcy on XX/XX/XXXX and contacted Speedy Cash on XX/XX/XXXX and provided them with the Bankruptcy case number and my attorneys information. My attorneys office has also contacted this company regarding my case. We had the meeting of the creditors on XX/XX/XXXX and none of my creditors were there. I have continued to receive calls from Speedy cash until I blocked their number on XXXX.They have now reported me to a collection agency called XXXX XXXX XXXX and I received a call from their office today telling me that they are calling to collect a debt. I explained to the caller that I had filed a Chapter XXXX Bankruptcy case and Speedy Cash was notified on numerous occasions about this date being included. He stated that I did not know what he was calling about I told him I did because I XXXX the phone number and in the comments section it states that this is a debt collector for Speedy Cash.He asked me to verify my information and I responded I will not.
GLA Collections {$0.00} balance paid off in bankruptcy Reported XX/XX/XXXX ( Total of 15 GLA collections paid off from my bankruptcy, that has not been pulled from  my report that is all settled and paid through bankruptcy ) XXXX XXXX   {$0.00} balance paid off in bankruptcy Reported XX/XX/XXXX Bankruptcy public record still on my report ( Chapter XXXX, Filed XX/XX/XXXX, Discharged XX/XX/XXXX. ) ( still not dropped from report ) All of these items have been reported through the credit monitoring, but are not being removed, and it has been over a month to a month and a half and no changes have been made, and I was referred to your company from my bankruptcy lawyers company that you all would be able to take of these issues. Thank you for your time.
I was contacted on my personal cell phone number regarding an alleged debt owed by my girlfriend. She has been receiving harassing phone calls from this entity for weeks. The caller identified as XXXX from EOS CCA ( http : //www.eos-cca.com/ ) but he refused to provide additional information regarding the purpose of his call, the nature of the alleged debt, how my number was obtained, or any other matter. He called from XXXX. There is no legitimate debt to collect and this contact of third parties ( i.e., myself ) is totally unwarranted. Neither I nor my girlfriend have had any business interaction with EOS CCA and there is no reason why they should be harassing us with repeated phone calls.
Planet Home Lending has my mother 's mortgage. Tried to get help with modify the high mortgage rate. Spoke to a lady back in XX/XX/XXXX who was suppose to send out paper work. Called back in XX/XX/XXXX to follow up. They said there was none thing than can do. Spoke to a man who was a supervisor who mention that they could lower payment by {$70.00}, than back off his statement. Service was very rude.
My husband and I sent 2 US postal service money for a payment to the XXXX in the amounts {$350.00} and {$200.00}. 
The checks never got there. 
Someone intercepted the money orders, re-wrote the information with his name and cashed it. He deposited it in a Chase bank account. 
US postal services money order inquiry gave me the information ( PS form XXXX ). 
Nobody wants to take responsibility for my loss.