WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I sent certified mail letters with return receipt to the collection agency Commonwealth Financial to validate the alleged debts that were on my file. This company is attempting to collect debt on several collection accounts on my file. The accounts are as followed : Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX The company sent back the return receipt with a signature. The company failed to validate the alleged debts. It has been over 30 days and I have received no response from the company to this day. The collection agency failed to complete the Validation process. Please be advised that I am disputing these collections due to the fact that Commonwealth Financial currently does not have a valid license in the state of Missouri to collect on debts. I checked the Missouri state secretary website and the information for the company states that their license is currently Admin Dissolved - Profit according to the Missouri secretary of state. 

I am requesting that you investigate this matter and delete these accounts from my file immediately. I specifically asked for a signed agreement and other supporting documentation and I have not received a response from Commonwealth Financial validating these alleged debts. They are reporting delinquent information to the credit bureaus that I am asking be deleted.They failed to validate these alleged debts. If these collections are not deleted I might sue for violation of the FDCPA.
I have made repeated requests to have the PMI from my mortgage be removed and it has not. My Mortgage is through Freedom Mortgage and they have given me information that I do n't believe is correct - such as a loan under two years old ca n't have the PMI removed and loans that are 2-5 years old have to have a 75 % LTV amount ( I am at 71.5 % LTV ). I have spoken to numerous people during this process yet my most recent request submitted in XXXX has not been responded to. I have however received numerous unsolicited phone calls from them asking if I want to refinance my loan. I have no desire to refinance my loan with a company that wo n't communicate with me regarding inquiries I have submitted. 
During XXXX of the unsolicited phone calls from them I was actually yelled at by the manager telling me I was crazy for not refinancing and that he had no idea why I where I was 'coming up with my LTV . ' His name was XXXX XXXX I emailed Freedom Mortgage after that call on XXXX XXXX and also never heard back from them with my complaint on how he treated me. I used the appraising company that Freedom Mortgage said I had to use, my house appraised for {$400000.00} and my current loan balance ( As of my XXXX XXXX statement ) on my conventional loan is {$280000.00} giving me a LTV of 71.5 %. 
I have NO Idea why they wo n't remove the PMI when I have followed the steps I had to follow to remove the PMI.
I recently discovered fraudulent and unauthorized credit inquiries on my Transunion and XXXX credit reports. I was able to easily and successfully remove these inquiries from XXXX using their online tool, but Transunion does not offer this functionality. I called Transunion and spoke to a representative who told me that Transunoin does not verify or remove inquiries and, would not launch an investigation into the accuracy of the data even if it is reported as fraudulent. The Transunion representative was unable to assist me further. I find it unethical and unreasonable that a reporting agency would not be responsible for the data they maintain and provide.
I admit that I owe something but the loan amount itself should not be more than {$10000.00} then whatever interest it would have accrued over time. 

Also, the student loan company has taken my tax refund on a couple of occasions. One time it was nearly {$8000.00} The contracts they sent me if they are legitimate amount to less than {$10000.00}, nowhere near the {$30000.00} they say I owe. 

Keep in mind ACT student loans must have sold the rights to consolidate and take over my student loan debt to NAVIENT. 

Either way, these amounts are grossly wrong. 

When I was in college my legal name was XXXX XXXX XXXX XXXX. I changed it legally on XX/XX/2013 to XXXX XXXX XXXX XXXX. This will explain the slight difference you'll see. 

I need to have the unfounded student loan debt wiped out and I need for NAVIENT to correct the debt on my credit report immediately. 

As I stated on our call earlier today, NAVIENT is reporting this debt as {$54000.00} to all three credit bureaus ( XXXX XXXX XXXX XXXX ) making it look as though I had a {$30000.00} loan and I went over the balance by {$24000.00} this is a 185 % debt to credit ratio and has been hurting my credit for years. 

I'd like for ... Navient Student Loan Services to ...

1. Provide copies of all student loan agreements/contracts that they say I signed for a total of {$30000.00} 2. I'd like for the true amounts to be recalculated and interest on the new balance corrected for the past 26 years 3. I'd like for my credit reports to reflect all true and factual numbers 4. I'd like for my credit report to reflect the true balance of the actual loan amounts they say I owe to all credit bureaus 5. I'd like for my credit report to reflect the interest as part of the balance and not reflect that I went over the balance by {$24000.00} as it does now. 

Keep in mind that i have hired an attorney to try and get them to do the right thing and they did not provide proof to us about loan amounts, nor did they correct the reporting on my credit reports. 

Please read the above details for more clarity.
I am to repay my student loan, my original loan payment went from {$5.00} to {$280.00} after Navient bought my loan from a creditor. this is illegal practice I do should not have to jump through hoops to get my payments back to what they were, I want a new lender to deal with.
The following agency Enhanced Recovery Corporation is not bonded in the state of Texas, therefore can not legally collect debit. Please remove from my credit report and confirm this debit is not owed.
I have been paying on my XXXX XXXX ( now Navient ) Student loan since XX/XX/XXXX at 7.375 % interest and all the payments have gone to interest, my balance remains the same. I still owe {$45000.00}. I am paying $ XXXX per month and they 're telling me it wo n't be paid off till XX/XX/XXXX when I 'm XXXX years old. I can not refinance since I consolidated them many years ago and I think the set up is a total scam. I do n't have enough monthly income to afford a used car and barely have enough for food and regular bills every month. Should a medical emergency or issue befall me, I will be ruined. I can not afford to put much back for retirement so I am looking at working to well in my XXXX. This is outrageous punishment for trying to better myself. I have kept up on my payments and they are just using my payments to line their pockets. I think this loan should be paid off by now considering I 've been paying on it for XXXX years and I believe it should be forgiven at this point. This student loan is such a burden on my quality of life and possibility for retirement. Please help me.
I opened a credit card with Citi in XX/XX/2018, which is Citi Premier card. It says I would get XXXX bonus ThankYou points after I have spent {$4000.00} on this card within 3 months. Now I have met the requirement on time, but I haven ' t received the sign-up bonus yet. I talked to the representatives over the phone twice and tried to explained this issue but it is still not resolved. They told me that they will not give me the sign-up bonus because I have had this card before, but it was stated in the term when I applied for this card. I'm supposed to get the XXXX ThankYou Points bonus.
I submitted a clients packet twice, the third party authorization was sent over three times via the fax number ( s ) provided by the customer service representatives. The last customer service representative XXXX, informed me to resend all of the documents to ANOTHER fax number. The number XXXX gave me was a completely different number the number the other XXXX XXXX XXXX gave me. XXXX was asked several times if I could speak to the XXXX, or given the managers phone number or email XXXX refused. XXXX finally said this is n't the " place '' you emailed those documents to, let me transfer you. '' I was then transferred back to the Receptionist who transferred me to XXXX who informed me his manager XXXX XXXX was not available. I explained to XXXX that I had forwarded the RMA to them three times. A clients personal information was sent via FAX three times and was transmitted to someone, and I was not going to send that CONFIDENTIAL INFORMATION again until I spoke with a supervisor. I then asked why are the CSR 's NOT giving out the same fax number? He said he does not know, he then placed me on a brief XXXX minute hold and told me to MAIL a complaint to Nation star Mtg. LLC and rattled off their physical mailing address. I then asked XXXX XXXX # XXXX to transfer me to the Loss Mitigation Department, he then informed me, '' Although you faxed a loss mitigation packet over as well as a third party authorization, you FAXED IT TOGETHER and the loss mitigation department will NOT acknowledge it/ upload the third party authorization because it was not suppose to be sent to them. '' XXXX was asked to repeat him self. He did just that ... I was instructed to resend both do then asked XXXX to see if some one in loss mitigation was available, ( this call began at XXXX XXXX, as I type I am still on hold, it is XXXX XXXX. ) I was then transferred to a XXXX rep, who gave me another number to fax the third party authorization. Told me she could not help me any further and hung up on me. I then called the client and she was informed by the lender Rep XXXX XXXX that she had not received a submission/RMA from XXXX XXXX XXXX XXXX PA and to resubmit another packet. Attached is proof of transmittal as well as proof of another RMA submitted.
I went to XXXX XXXX on XXXX/XXXX/2015, to get a root canal. The policy of this dentist office is to pay your bill in full before services are rendered. I signed a contract with the dental office and paid all monies due and requested in full. The dental office for some reason sent my account to a collection agency stating that I owe them {$420.00}. I do not owe them any money. They got all their money upfront. Somebody has made a mistake and I need this corrected.
XXXX XXXX XXXX XXXX reporting and attempt to collect on a debit I do not owe. 

Per Federal and State Lending Guidelines for consumer loans ( Auto, Personal, Real Estate ) in this case an Auto Loan. 

THIS IS NOT MY LOAN OR ACCOUNT AS ANY TYPE OF RESPONSABLE PARTY An auto loan shall have a endorsed and signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note for all consumer loans. The endorsee and signers by all parties would be the Borrowers, Co-Borrowers, and or Guarantors. 

In this case the auto loan with XXXX XXXX XXXX a request was made to them to provide actual proof that the reporting guarantor did actually make this loan by providing a copy of the signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note. Which they have fail to do. 

The only documentation they were able to provide was a Notice to Guarantor from  XXXX XXXX XXXX XXXX and a check cashed and signed by another person identified as the borrower of the loan which happens to be a relative of mine. 

To note the Notice to Guarantor from XXXX XXXX XXXX XXXX clearly states the notice is not the contract that makes you liable for the debit. It also further states that the sign promissory is the actually agreement and contact of liability of such a loan and debit. 

Theyre failure to provide any such proof and supporting require documentation clearly shows that I XXXX XXXX am not liable for or agreed to this said such loan. 
That I never agreed to finalize and or accept any loan, nor did I sign or agree to any legal loan documentation such as promissory note, a Truth-In-Lending, Security Instrument as a Borrowers, Co-Borrowers, and or Guarantor which is required by law. Nor did I XXXX XXXX sign for, accept, and or cash any check or instrument in this supposed Auto Loan. 

See attach documentation I was able to obtain which clearly supports my dispute. 

If the creditor disagrees with my dispute I demand them to present a signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note by me XXXX XXXX as a Borrower, Co-Borrower, and or Guarantor which is required by federal and state lending laws. Failure to do so again will support my claim that this loan being reported in not mine nor do I have any liability to such said loan. 

Under the Fair Credit Reporting Act, Consumer Protection Act, and other Federal and State Lending and Financial laws and guidelines they XXXX XXXX XXXX XXXX have fail to follow and adhere to.
I'm right in the middle of trying to obtain a mortgage and some how I have a bogus account pop up on my credit report it has lowered my score 8 points and the worst part is I don't have any services with this company and they had the nerve to send me to collections. It states on my report that I opened this account in XX/XX/XXXX and it's on my credit report for non payment, I haven't received a letter or anything the amount is XXXX dollars and it's supposed to be for internet services, I have had XXXX internet for over 2 years.
Went online to look for repayment options at the department of education website. While trying to apply for income driven repayment, I accidentally applied for a consolidation. The website still provided me an IDR form that I printed out at the time ( thinking I had just completed that part, not a consolidation ) and sent to XXXX to request the income driven repayment. XXXX responded within days of the request outlining the new payment arrangement and provided no indication that they were no longer servicing my loans. I went out of town for a week for my grandfathers XXXX ( can provide evidence through flight receipts and obituary ), when I returned home I had some mail indicating that fedloan servicing was now handling my loan and I had 10 days to reverse this. I was unable to contact them during that period, but attempted to contact them within 15 days to determine my options and figure out how I had made the mistake. I first spoke to a young lady that just kept repeating that she was documenting my complaint and that it was my fault for esigning and she ca n't help. I get transferred to a " supervisor '' who claimed he would file a request with the department of education to let them know my concerns and attempt to have the loan moved back to XXXX. He also advised me to send in the IDR because it was not likely the Department of Education would address my mistake by unconsolidating the loans. The IDR was sent to fedloan servicing in XX/XX/XXXX, stating I would hear back in 10 days or sooner. Took them more than a month to deny the IDR, siting first that they were missing " Page 2 '' of the IDR when I called. The rep also told me they " resolved my complaint '' as " unsubstantiated ''. This rep also claimed they did not send anything to the Department of Education as they had claimed. They did not contact me in regards to this complaint. Yesterday, they called me during work hours, after I asked them not to, to let me know the IDR was incomplete. This time, they claimed they were missing my income information. Keep in mind I sent them the same documents 2 times that were received and processed successfully by XXXX in a matter of a few days. Fedloan Servicing is clearly intentionally " missing '' documents to not allow students to enter repayment plans. Furthermore, I feel deceived regarding the consolidation in the first place. I feel like practices employed ( lying about contacted dept of ed, lying about what is " missing '' from the request, continued calls during work hours ) are unfair and deceptive in nature.
I had a flex line ( home equity line of credit ) with 5/3 Bank for {$11000.00}. It had a XXXX balance on it for years. In the fall of XXXX, 5/3 Bank charged an annual fee of {$65.00} to keep the line of credit open. I failed to pay the {$65.00} fee. Then 5/3 Bank placed the {$65.00} annual fee in my line of credit as a balance and charged {$1.00} interest. When the fee was 30 days late, they called me at work and notified me. I authorized payment over the phone or I moved the money from one of my 5/3 Bank accounts to pay the fee immediately in the amount of {$66.00}. In the early part of XXXX, 5/3 Bank reported to the credit bureaus that I was more than 30 days late on a mortgage payment. This report has caused my credit to drop by more than XXXX points. I have contacted 5/3 Branch managers and been told that they can not do anything about this matter. I have contacted the customer care center and spoke to the support manager XXXX, employee id : XXXX. 
She told me that the fee is a mortgage payment and therefore has been reported correctly. I believe that the {$65.00} fee is an invoiced item. I do not believe that it is accurate or fair to report the late invoiced item as a mortgage late.
Dear Sir/Madame : Approximately 1 year ago, it came to my attention that erroneous information was present on my credit report. I immediately contacted the collection agency regarding this matter via phone and then via written mail. My initial contact with the collection agency was met with hostility ultimately terminating in vile words being exchanged. After researching the matter, I determined that the collection agency was required by federal law to " verify the accuracy '' of the information being reported. Federal law is very clear concerning this matter. In my case, the data being reported is are three delinquent medical bills. Because of the nature of the bills, I requested very specific information regarding the debt that must be maintained and provided upon request. As this date, the information has not been provided nor have the accounts been removed from my credit profile. After further research, I determined that the credit reporting agency is required by federal and state law to " verify '' any disputed debt or remove the delinquent account ( s ) from the consumer 's profile. I immediately contacted Experian, first via telephone and ultimately through multiple letters sent via certified mail to have the " debt verified '' or removed from my credit profile. Again, during the debt verification process, I have requested very specific information which is required under federal law to be disclosed upon request or have the accounts removed from my credit profile without prejudice. On at least two occasions, Experian has contacted me via U.S. mail stating that the accounts have been verified but have not provided me with any of the information I have requested. In addition, they have refused to remove the delinquent accounts from my credit profile. As a result, I have taken the liberty of contacting an attorney regarding this matter. Through our research, we have determined that the collection company ( XXXX XXXX XXXX XXXX ) has a well documented history of implementing deceitful, illegal and immoral practices. As a result, they have been successfully sued multiple times, currently maintain a grade of F with the XXXX XXXX XXXX   and a currently facing multiple lawsuits in both state and federal court. These facts were disclosed to Experian, yet the steadfast refuse to remove the accounts. In a final attempt to resolve this matter without entering litigation, I have been advised to contact you to have this matter investigated and resolved. Thank you in advance for your cooperation and concern. I am truly appreciative of any efforts you make to resolve this matter. XXXX XXXX
I am currently being evaluated for a loan modification. 
There is an agreement withThe California Attorney General Office to not do dual tracking. 
It should not be forward with a Trustee SaleWhile I am under review for a loan modification. 
The Sale date must be vacated. 
We want to keep our house. 
We hope everything going well on our loan modification.
I have no recollection of what this debt is, I have been hassled and threatened by this collection agency, the caller never identified himself as a collector and never read me my Mini Maranda Rights but instead told me that my credit will be ruined if this debt is not paid.
Over thirty days has lapsed and I still have not received a written response to my debt validation request. I am trying to purchase home and my credit score dropped about 90 points as a result of this account being reported to my credit report. To date, I have yet to receive any kind of phone call or written notification regarding this supposed debt. I do know how or why someone can place something on your report without contacting you first. I have no knowledge of this debt or any monies owed to who they say i do. That is why I wanted them to validate the debt and they are not responding to me.
XXXX - CMS acquired my mortgage from XXXX XXXX - Agent contacted me to discuss FHA Streamline refinance options from XXXX office. 

XXXX - Moved forward to closing after delivering all paperwork required. Initial signing botched by Notary. Closing rescheduled for XXXX. " Bring to closing '' amount refunded. No other concerns reported. 

XXXX - Calls start coming in about " why I have n't paid my mortgage '' ( were told we would skip XXXX payment as part of the closing ). Emailed Sr. Loan Officer on XXXX to ask about calls. He responded on XXXX saying it was normal, procedural, and not to worry, all was fine. 

XXXX closing - signed all papers with new notary. She sent them off. Called Sr. Loan Officer to discuss higher " bring to closing '' payment required. He explained that amount was probably designated to cover previous XXXX payment that was skipped, and now we would be skipping XXXX payment instead, new loan starting in XXXX. Sent off closing amount as cashier 's check a few days later ( once refunded check cleared bank ). 

XXXX - received collections call from Carrington Collections department. Asked why I have n't paid mortgage in two months. I explained that we were refinancing ( as I had before ). Was told that there is no record of refinancing, and anyway, we are not qualified for refi because of missed payments ( we do n't miss payments - only skipped because told to! ). Reach out to original loan officer. No answer. Reach out to Sr. Loan Officer. No answer. Reach out to their boss. No answer. Emails. No response. 

XXXX - Receive a check from Carrington via certified mail dated for XXXX XXXX for exact amount of " bring to closing '' fees. Multiple calls placed to all loan officers. No answer, nor any call back. Reach out to Carrington customer advocate dept. Told situation looks unusual, told he could see a request for origination/funding the loan, but loses the trail there. Advocate reached out. At last check, XXXX, no further information given. 

XXXX - Negative credit report notification via XXXX " protect my ID '' service. 

We followed all instructions and signed in what I thought was a legally binding, notarized closing. Now we are in default with credit action being taken against us, no one will pick up the phone or call us back, and no one seems to have any answers. I am appalled and disgusted with this situation.
Was unsuccessful trying to contact XXXX XXXX XXXX And aargon agency didn't want to explain why my name is with them