WillisBack/dataset-financial-user-claim huggingface dataset:
I found out about this debt, by seeing it on my credit report. It is listed as a collection from pinnacle credit services LLC, in the amount of XXXX. I called them to get an explanation, and they refused to communicate with me unless I gave them my ss #, in which I refused. I sent them two letters via certified mail, requesting proof of the debt, and their response was this is from original creditor, XXXX XXXX in the amount of {$1600.00}, with no explanation of charges, phone numbers etc. I called XXXX XXXX, and they have no such records of an account existing in my name. I then called XXXX back, and again they would not communicate with me unless I gave them my SS #. Again I would not do so, and if this were a valid debt, I feel they would have this information, and could could verify, asking me if my last XXXX digits were # # # #. They have not sent me anything explaining the charges, or any other valid information, with the exception of my name, the amount owed, and who the original creditor is.
For years I have been fighting with this company about this debt that they are reporting. The debt was paid to XXXX. I have told them that this is reporting incorrectly. The original account is more than seven years old and they are still trying to collect on this debt. This incorrect reporting is effecting the quality of my life. This debt was paid to the original creditor. I will not pay a debt twice. Somewhere along the line somebody dropped the ball. I have attached the page that it appears on my credit report.
I have been a XXXX holder for 7 years. Right now I ca n't access my account to pay for medication for my daughter who has a very serious illness. This is so unfair and XXXX should be working to get there customers there money. They can somehow have customers go into any bank to get a cash advance. My daughter also has XXXX. My grandson has a condition where a XXXX. She ca n't get access to her last deposit to get his medications or pay his co pay to see the Dr. XXXX customers need there money ASAP and now it 's impossible to even contact them. Something needs to be done because my daughter and XXXX year old grandson needs that money. Please my family is suffering right now and it seems like no one cares.
I disputed the information with the company itself and the collections agency I never even lived at the address they have listed or used the name it 's listed under. I explained this to them and the collection agency removed it and then in turn the original company XXXX XXXX XXXX reinserted it using a different collection agency. It 's not mine I have fraud listed please remove
On XX/XX/XXXX I wrote to all 3 credit bureaus and to the creditor directly, XXXX XXXX. The payment status and the comments line are incorrectly reporting a charge-off and an indication that the account was sold to another company.

On XX/XX/XXXX I received a letter ( see attached ) indicating that my account was in fact sold and that XXXX no longer had any information on my account.

If XXXX has no information on my account how can they do a legitimate investigation as to whether my account is correctly still shown by then as Charge-off.. ( see attached excerpt from my XX/XX/XXXX report showing that XXXX is still showing inaccurate and unverifiable information.

I wanted to send a copy of this complaint also to the creditor XXXX but your form did not provide such an opportunity. See the attached letter previously mentioned for correct mailing address.
I have multiple accounts with USAA. ON XXXX/XXXX/17 USAA. On XX/XX/2017 I deposited a {$300.00} USPS Money order made out with me as the Payee into my Checking account. According to their Depository Agreement the funds should have been available with in 2 business days. USAA put a 7 business day hold on the funds. On the day before the funds would be released I had a balance of {$220.00} and an available balance of {$23.00}. At this time a {$30.00} ACH payment was presented. This would have caused a {$7.00} negative balance. My overdraft protection linked to my USAA Account Card was charged {$100.00}, but the {$100.00} was never deposited into the account, in direct violation of the depository agreement. At this time, I try to make a payment with my Checking Account Debit Card thinking the {$97.00} remaining from the overdraft transfer is in that account, but it is denied for insufficient funds. But, I ca n't use USAA Account Card because the {$100.00} overdraft transfer has been removed from it. The response from the CEO office 's representative was I ca n't help you, I 'll add it to the discussion list at our next meeting to see if something needs to be changed. Totally unacceptable.
Bank of American Credit Card Number : ending XXXX DISPUTE Case Number : XXXX I would like to DISPUTE for the charge on XX/XX/2018 with XXXX XXXX with the amount of {$15000.00}. 

XX/XX/2018 XXXX XXXX XXXX NC {$15000.00} XXXX   was shut down by the Federal Trade Commission ( FTC ) on XX/XX/2018 for being a scam and fraudulent company. The Receiver has post the final decision that XXXX was permanently shut down on XX/XX/2018. The merchant failed to perform based on the agreement and contract we signed. The lifetime access to website training are no longer there. The mastermind that was scheduled on XX/XX/2018 was also cancelled due to the shut down. 

I tried to contact XXXX, but unable to reach anyone because it was shut down by the FTC. Later on, the receiver acted on behalf for the merchant to respond to the bank. It was a valid charge but the merchant was unable to perform due to the shut down. 

In the same time, I contact Bank of America numerous times to dispute the amount. I have provided all official document from FTC and receiver, my agreement/contract with XXXX, the receipt from XXXX, and many other supportive documents to bank of america to support my dispute. The dispute team was very difficult to contact, and the dispute was first denied, then approved, and then again denied.
I disputed an account from XXXX on my credit report over 4 months ago and you have failed to resolve the trade line investigation, based on these facts the trade line must be removed by law
I graduated from XXXX college in XX/XX/XXXX. I was not offered any student aid I was only XXXX at the time was unsure of exactly what I was getting myself into. I had XXXX private loans taken out from American education services. I graduated and could n't find a job in my field until two yrs later. I was able to finally start working as a medical XXXX after 2 yrs of deferments. I started working at an XXXX I was able to get my foot in the door due to knowing the XXXX supervisor. I 've been paying on my student loans since XX/XX/XXXX I was given a loan from AES for XXXX I 've paid a total of XXXX dollars only XXXX has gone to the principle and XXXX in interest. I still owe over XXXX I 've paid XXXX dollars a month. I recently was sent to collections in XX/XX/XXXX I paid in XX/XX/XXXX I was late due having my rent money stolen from me. I informed AES of what had happened and I would be able to pay them in XX/XX/XXXX I was told I had 60 days to pay before it effecting my credit I was sent to collections which resulted in my credit score dropping over XXXX points. I 've never been late paying them I feel I 'm in a never ending interest battle with AES. XXXX college did not help me with a job after school like promised which resulted in me having to defer my loan and now I 'm struggling to pay off this loan. It 's extremely frustrating that now XXXX do not need the schooling to become a XXXX now I 'm stuck paying this what feels like a never ending loan for something I could have just avoided and now my credit score has dropped tremendously due to a financial hardship that I had no control over.
I tried to get my annual credit report from XXXX, but all it said after I filled in my information was the vague : " A condition exists that prevents Experian from being able to accept your request at this time. '' A web search shows that a number of other people have encountered this as well. I 'm not sure whether I should even bother trying phone or mail, since the error message does n't say whether the error is temporary. 

I also tried to contact them on their contact form, and that was difficult since their form rejects line breaks and most punctuation, then kicks you out after XXXX tries!
I have been requesting verification of the following account that Equifax continues to report on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax listed that XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. Also with the new law that was passed on XXXX XXXX, XXXX stated that beginning XXXX XXXX, public records data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at more frequent intervals as follow : Minimum reporting of : Name, Address, and Social security number/ and or date of birth. Or Minimum frequency of courthouse visits to obtain newly filed and updated public records at least every 90. I contacted Equifax to provide the information and verify the account with the new law and have not received any correspondence to the law. 
On XXXX XXXX, XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XXXX XXXX, XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XXXX XXXX, XXXX, I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. She also stated that there is NO inquiry from Equifax or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX.
XXXX XXXX XXXX wiped out my account with a levy. The amount is XXXX. The date was XX/XX/XXXX. The debt is supposedly a very old credit card amount. 

I was never properly served. I called them and they said that they tried to contact me in XX/XX/XXXX. 

Midland 's phone number is XXXX XXXX XXXX XXXX.
Hello, My mortgage company made payments to two different insurance companies last year even though they were notified of the policy change. Now I have a large escrow payment that they are requesting from me. They tell me is not their responsibility and that Im the one who needs to pursue a refund. How can a mortgage company just disburse payments without notifying us, how can they not be responsible for a refund to my escrow account if it was their mistake. Please assist me with information as to how we can proceed.
On XX/XX/2018 I received my credit report Report # XXXX  from Equifax after disputing several items on it, I also disputed the same accounts with XXXX Report # XXXX well the accounts were not listed with XXXX so I didnt have to dispute them with XXXX. The accounts I disputed with XXXX  were investigated and removed, Equifax say they verified the account and therefore would not remove them. I dont understand how one Credit Agency can remove the items and another one cant. Its my understanding that all credit reporting thru the 3 Bueruas the information is suppose to be accurate and correct. Because of the inaccuraties i would like to have Equifax remove the items in question. 

Please see attached files.
XXXX XXXX claimed that I owed them {$180.00} due to clerical errors on their part, even though I paid them in full in XX/XX/XXXX. In XX/XX/XXXX, they erroneously gave me a {$80.00} refund on a XXXX XXXX. I called them to report this error, and they removed the balance from this card. A month later, I got another statement from XXXX claiming I owed them {$180.00} for XX/XX/XXXX, even though all statements after XX/XX/XXXX showed no balance. The attached statements tell the story of this {$180.00} charge mysteriously appearing in XX/XX/XXXX, after a mystery {$80.00} credit was issued in XX/XX/XXXX. Note that I closed my account in XX/XX/XXXX. 

My account was sent to collections with Credit Protection Association, where I was continually harassed via phone calls. I got sick of the harassment, so I paid the {$180.00} just so they would stop. However, I was not aware that a fraudulent entry would stay on my credit reports. 

During this entire time, I spent countless hours talking with CPA & XXXX, explaining what was going on, and disputing this amount owed. Neither company attempted to investigate this error.
Costco unliaterally switched my credit card account from XXXX XXXX to Citicorp. The information around the switchover was scanty and barely came to my attention. I was tracking the Costco XXXX account online, paying regularly, and the account just disappeared from that system at some point, with no notice or transition information provided there. Mail regarding the new card account was lost in junk mail, among XXXX unsolicited credit card offers, for months, until at some point I wondered what had happened to the account transition, and started digging for information. By this time, although I had never requested the Citicorp-based account, had never activated its card ( since I never saw it ), and had never used it, the account was already frozen for late payment, charging a penalty interest rate of 29.49 %, and damaging my otherwise-strong credit rating. This is an unfair start-up process for a card that I did not request or understand, which was simply inflicted on me unilaterally by Costco.
Ive contacted the credit bureaus on several occasions asking them to investigate items on my credit report. This company is failing to reply to me or investigate my disputes. Per th FRCA I do have the right to dispute inaccurate information on my credit reports right? After carefully reviewing my credit report I noticed several accounts listed under MEDICAL. Under the HIPPA Law my medical information is protected from third parties. I know for a FACT I have NEVER given ANYONE permission or access to my medical information. I have contacted these third party companies asking for a medical release form. No one has furnished me with this information I have requested. I am DEMANDING the credit bureaus respect my personal information and rights and remove these accounts from my credit reports IMMEDIATELY XXXX XXXX XXXX - {$810.00} XXXX XXXX - {$1500.00} XXXX XXXX - {$81.00} XXXX XXXX - {$75.00} XXXX XXXX - {$210.00} XXXX XXXX - {$160.00} XXXX - {$5000.00} I Have NEVER DONE BUSINESS WITH THESE COMPANIES!!!! They should NOT have any of my information. This is becoming exhausting and I feel like I have exhausted all my options. This is causing me major stress.
Specialized Loan Servicing ( SLS ), XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX are confirming based on their unauthorized mortgage position and assignments that I surrendered and included my property in Bankruptcy. 

In detail : 1. SLS stated I included my property in my Chapter XXXX 2. XXXX stated I surrendered my property in my Chapter XXXX. 

All statements from all companies are false. I NEVER surrendered my property. In addition, my Chapter XXXX 's were dismissed. 

See attachments
I was layed-off of my job XX/XX/XXXX and XXXX foreclosed on my first mortgage XX/XX/XXXX. I filed for Chapter XXXX BK on XXXX/XXXX/XXXX. 

The XXXX foreclosure was illegal, and had to be rescinded XX/XX/XXXX. About 3 years into the bankruptcy, my account was transferred to Seterus for servicing. I completed my Chapter XXXX BK plan and received my discharge on XX/XX/XXXX and the BK case was closed on XX/XX/XXXX. 

During the bankruptcy, all 60 mortgage/property tax payments were made on time and in full with Cashier 's Checks that were sent by priority mail with tracking. So I have documented that every single payment was sent and received in full and on time. Seterus agreed on XX/XX/XXXX that I was totally current in their Final Cure response. The BK Judge agreed that I was in full compliance and there should be no fees or late charges - and I got my discharge. 

Since the bankruptcy case, I have sent and documented and tracked all of the 22 payments I have made right up to XX/XX/XXXX. So, I have documented that the last 82 payments were made in full by Cashier 's Checks and received on time for my first mortgage - full contractual compliance. 

There can be no late charges or any other fees, and all I owe is the remaining principal. 

I am now selling my house, and I am in Escrow. I called and tried to get a payoff statement from Seterus, and they told me that they must review my bankruptcy file - and it could take as long as 6 months! 

Escrow is now talking to them, and twice Seterus said they would send the payoff statement to Escrow, but did not do it. For some reason, they are really dragging their feet, and this could obviously put my home sale in jeopardy and cause me great damage.
I applied for this credit card around two years ago when I was at a job that was paying me more than my current job. I worked more hours at that job, but I had to quit because it affected my school performance for the worse. I got a better job afterwards that accommodated my lower hours, but of course, I'm paid much less. My previous job paid me at least {$160.00} every bi-weekly paycheck and my current job now pays me around {$80.00}. I struggled to pay minimum payments for a few months because I was going through a tough situation concerning my mental health so making a monthly payment had been a problem, so of course, the minimum payment increased. It is now {$75.00}. I've been looking for other jobs that would pay me more while still balancing my full-time position at school, but it's a struggle to have such a big blow to my money since I have to pay for food and parking at school as well.
Servisolutions refused a payment a month late, stating that our contract forbids anything but complete up-to-date payments ( so after 30 days, we needed to pay two full months, not one month behind ). There is nothing in our contract that states this. As we began to see we could not catch up, we contacted a counseling service which advised that we send a certified XXXX request, which by law they are required to accommodate. The company refused to set up a meeting and called us to yell at us that it would be a waste of time because our contract forbids any modifications. They also said, without notifying us first, that they had already started the foreclosure process and requested our initiating mortgage broker to take back our loan. We are now 5 months behind, they will not accept any payment that is not all 5 months in full, and our credit is destroyed. NOTHING in the copy of the contract that we have says they had to do this.
I am reaching out regarding predatory practices on behalf of the company XXXX XXXX that seek to damage my credit. With the exemption of XXXX in which account XXXX XXXX # XXXX is removed, this said account has been charged off and closed. Additionally, XXXX and Experian report this account as closed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The lender ( XXXX XXXX ) is attempting to ILLEGALLY re-age a closed, charged off account. According to the FCRA, the beginning, first date of delinquency can not be changed once an account is charged off. Once a charged off account reaches 7 years, then the credit bureaus must purge the account from your credit history. XXXX XXXX has ILLEGALLY re-opened the account in an attempt to reset the 7 year clock. It is illegal for a creditor to change the purge from date on a negative account by reopening the account so that it remains on the consumer credit report. 

In light of the lack ethical practices on behalf of XXXX XXXX, incorrect payment history, incorrect account status, I am requesting that this account is REMOVED from my credit reports immediately. I have disputed this account several times and both XXXX and Experian have failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. The lender is attempting to illegally re-age the account. Consumers have the right to be protected from unfair credit practices ; hence I am requesting reparations by the account being removed. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. Thank you again for your time. XXXX XXXX
On XX/XX/2016 the Judge XXXX XXXX XXXX XXXX XXXX. Denied the Plaintiffs Motion to Substitute Party. ( See Attached ).

Now PennyMac want to collect money for me of engaging in business practices that are immoral, unethical, oppressive, unscrupulous, and harmful to me. ( See Attached ).
TO WHOM IT MAY CONCERN, XXXX/XXXX/XXXX I SEEM TO HAVE A HUGE PROBLEM WITH XXXX MORTGAGE COMPANY. THEY ARE NOT REPORTING TO THE CREDIT BUREAUS OF MY PAYMENTS MADE ON MY HOME AND THIS IS AFFECTING MY CREDIT. I FILIED BANKRUPTCY ON XXXX/XXXX/XXXX AND IT WAS CHARGED OFF ON XXXX XXXX. IN THE BANKRUPTICY IT CLEARLY STATES THAT I WAS KEEPING MY HOUSE AND HAVE BEEN MAKING ONTIME PAYMENTS FOR 3 YEARS AND 6 MONTHS. MY LAST LATE PAYMENT WAS ON XXXX XXXX, XXXX AM DISPUTING THIS. THEY WILL NOT ACCEPT A REAFERMATION AGREEMENT. MY LAWYER DREW UP AN REAFERMATION AGREEMENT AND THEY REJECTED IT BECAUSE IT WASNT DURING THE BANKRUPTYCY TIME PERIOD. I NEVER WAS GIVEN REAFERMATION PAPERS FROM XXXX TO SIGN DURING THE BANKRUPTYCY, ENCLOSED ARE THE STATEMENTS FROM XXXX MORTGAGE OF MY PAYMENTS MADE. I WANT TO THEM TO REPORT TO THE BUREAUS SO I CAN CONTINUE REESTABLISH MY CREDIT. 
Also. Please check to see if pnc mortgage was charging me interest on my home during this time period during the bankruptcy period! 
Please include credit report if possible!
My Wells Fargo Mortgage number is XXXX and my name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA. In XXXX 2017, I applied for a credit card with Wells Fargo online and was told I would be receiving a letter by mail with the decision. On XXXX XXXX, 2017 I received a letter stating my application was denied because my well Fargo mortgage was foreclosed. Yes, I do have a Wells Fargo mortgage but I have never been In Forecloser or faced for closer. I can be reached at XXXX or by email XXXXXXXXXXXX Thanks
I asked XXXX, Experian and XXXX to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. Immediately XXXX  removed the account from my credit report, XXXX and Experian did not. I sent a copy of the XXXX report to the other two reporting agencies and asked them what did they know that XXXX  did not. I have NOT received a reply and it's been well over 30 days! 

According to XXXX and Experian the BK Court in XXXX  verified the data. I have a letter, which I provided to all 3 bureaus, from the courthouse saying they do no such thing! 

Then I looked in XXXX. They are a third party, for profit company, which makes the information provided heresay. Also, why aren't XXXX  and XXXX  responsible under FCRA to do a complete investigation and to know 100 % what they are saying about me. It's ridiculous that when one backed down, XXXX, and that evidence was provided to the other two that they maintained their position - they are providing information they have NOT verified! 

Please make them abide by the law meaning only report first hand information, or delete the bankruptcy from my report. 

Thank you, XXXX XXXX