WillisBack/dataset-financial-user-claim huggingface dataset:
I am applying for a mortgage and Resident Collect of XX/XX/XXXX, Texas put an item on my credit report that says I owe {$7000.00}. I had disputed this debt years ago, and requested the company give me a breakdown of the alleged debt and they failed to do so at the time.
Now, the piece is still on my credit report and I attempted to contact Resident Collect to get a letter clearing me of the debt. When they did not respond to me, I hired an attorney to discuss it with them and they emailed the case was closed to him. However, they did not provide him a letter, and later the same employed tried to email me directly and said I needed to pay {$3600.00} to solve the issue.
My lawyer, the credit company my mortgage company uses and I have all tried to get this letter and this issue close, but Resident Collect is unresponsive and uncooperative.
I need a letter clearing me of this debt, as the company that originally claimed the debt has dissolved and the statute of limitations for collections has expired in my home state, the state the defunct company is in and the state of the collection agency.
The mortgage company will not issue it until I get this cleared up, and we have tried to clear this matter for 4 weeks.
I have been trying to contact Equifax about the fraud accounts on my report and no one will help me. They keep adding things on my credit report that is fraud and I am a victim of identity theft. They have removed somethings but then they add it right back. I also sent in several police reports and they are still not blocking the accounts that are fraud. They are violating the fcra and me as well. I am a victim of the data breach as well as identity theft that was also sent to the hackers and they keep wanting me to send more of my personal information to them so that the hackers can keep stealing my information. I just want them to block the fraud accounts that are on my police report and they are not doing what is required by law. I need this resolved imediately.
I have been trying for almost a year to get into an affordable repayment plan with my private student loan servicer, Navient. First I tried an interest only plan, but even that was almost $ XXXX/month, on top of the $ XXXX/month I have to pay on my government IBR plan. After multiple attempts at contact ( often having to wait on hold for extended periods of time and being transferred to multiple different people ), I was finally advised that I MAY be eligible for an alternative payment plan ( no details on what that means have ever been given ). I was sent documents asking for my personal financial information, as well as the personal financial information of my co-signers. When I asked my co-signers to complete the forms for my financial assistance application to Navient, they asked why the servicer needed their information to determine whether or not I was able to afford MY monthly payments. I again contacted Navient and conveyed my co-signers confusion. I was advised that, if my co-signers financial information showed that THEY could afford my current monthly payment, my application for a lower alternative payment plan would be denied and they would simply collect from my co-signer after I was forced into default. This is exactly what they and I both feared. While we understand that a co-signer is equally responsible for the full amount of the debt, the co-signer is only supposed to be collected upon if I disappear or otherwise refuse to pay my debt. The lender should not force me into default just so they can collect the higher payments from someone who was doing me a favor to further my education. I am trying to work with Navient in good faith to establish a payment schedule I can afford. Their callous disregard and refusal to work with borrowers who want to repay their debt is unfair and abusive to both borrowers and their co-signers. I only have two months of forbearance left and I fear my co-signers and I will end up facing negative consequences if Navient is not forced by the CFPB to act ethically.
monterey collection agency is damaging my credit report with a debt that i do n't owe the company is constantly calling me threatng me and harassing me over the phone when i already have told then that the account that they are trying to collect is no mine.   but they insist this company is not respecting the law and they are acting like a mafia by using threats abusive language and adverse tactics to intimidate the people to collect money that the consumer does not owe.
On XX/XX/XXXX I call USAA Federal Savings Bank which I have been a member for 6 yrs. to do a stop payment on my account for XXXX XXXX for {$370.00}. I was with them for three months and paid them monthly by check, my last payment was {$110.00} on XX/XX/XXXX for the month of XX/XX/XXXX by check, I call XXXX XXXX and told them I was cancelled my service and they told me I still owe them {$370.00} for service not rendered and they said they was going to go in my bank account and get the {$370.00}, that when I call USAA and told them my situation, and USAA told me to do a stop payment on XXXX XXXX for the {$370.00} on XX/XX/XXXX and not to worried, so on XX/XX/XXXX USAA let XXXX XXXX go in to account and take the {$370.00} out, so I call USAA about this dispute and they return my money on XX/XX/XXXX. Now on XX/XX/XXXX USAA let them do again take my {$370.00} so call USAA and they said I lost my dispute. My thing is this if I owe XXXX money that on me and XXXX my bank USAA did not have the right to let XXXX go in my account after I did a stop payment with them in a timely fashion, I want my {$370.00} back in my account, my problem is with USAA for letting this happen to me, they can`t tell me who to pay and who not to pay that my right, I did what they USAA told me to do a stop payment. I`m a XXXX Veteran with XXXX and everybody try to may a fool out of us and our money everyday. I pay XXXX what I owe them, can you CFPB help me in my situation. Thank you for let me tell my side of this situation. Have a great day.
Pacific Union Financial by law is obligated to pay my insurance on time as long as I am not 30 days late on my payment. they are three months late on paying my insurance. Secondly, when calculating my RESPA they calculated the account wrong and by law I need to receive an initial and current RESPA analysis in writing within 30 days after initial and current calculations and have received no mailed documents at all. Thirdly, by federal law the maximum allowable escrow cushion is XXXX of total escrow in 12 months and Pacific Union Financial has more cushion than that.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no notification that I could potentially be impacted, no email, letter, or phone call. Instead had to discover it via social media and through news agencies.
On XX/XX/XXXX i reached out to XXXX XXXX XXXX XXXX via XXXX XXXX. Our emails looks legit on their part, being that they explained to me somebody was staying in the home and to look online. ... we proceeded the conversation via text message ( unfortunately i blocked and deleted their number/messages when i figured Chase Bank had my back after explaining my story several times, before and after they withdrew the {$75.00} non refundable dollars! ) so why would Chase not stop the pending transacation? - I was looking to see the inside of the home for rent, physically not online. I had expressed this several times. When we text, i was told they had multiple properties like the one of my interest in that area, so i was instructed to fill out the online application, so that they can have my information to view the property. Like I told Chase, ive done this with another company and they didnt allow the charge to go through and i happily saw their property. Now after i filled this app out, they proceeded to tell me again to go online and i could now pass by to see the outside of the home, bc they have a person renting weekly, Really!? I expressed to the housing company my concerns in the pending transaction and how it looks shady ( they assured me it wont go through! ), i called chase to inform them about it. They told me to wait a few days, then call back if the transaction went through. It did, so i called chase to report a claim, so they have notes before and after the transaction cleared! On XX/XX/XXXX ( my birthday ), the {$75.00} was refunded to me, then XX/XX/XXXX hits and the money is taken back out of my account. I called Chase to see why and i could barely hear the man explain to me why, he then proceeded to tell me to contact the merchant? I definitely had done that already ( duh ), and theyre the scammers!! Like Im leaving this bank! In XX/XX/2018 i reached a settlement in taking my name off the house i owned with my Father, I had a traumatic experience that forced me to move out and remove my name. That money was 100 % legit and i was 100 % broken when i cashed it, its not like I didnt tell them where it came from! Without notice on a XXXX Friday! My account was locked, they closed my card ( i had to get a total new one! ) i was so hurt bc i hated that i had the money honestly and now i have XXXX accusing me of fraud. Spent a whole week borrowing money that i had, and was even more humiliated after already being a victim to liers. This was the XXXX XXXX XXXX in XXXX XXXX. My XX/XX/2018 experience with Chase and my money XXXX, so Im forced to let this money dry up And take my monies elsewhere. Thank you for hearing me out. People need to be aware of chase, especially when you have money constantly flowing in and out of your account ( s ). I NEVER had these issues banking, EVER! Im running a small business and I dont trust Chase Anything anymore. Im out.
For the past  XXXX  to   XXXX   months my  Federal loan payments have been wrongfully allocated to my Private loans, Making my Federal loan payment late. I then have to call them and have them figure thing s out and re-allocate the funds to the correct loan. This happened today   XXXX   and   XXXX     and once in  XXXX  but I ca n't remember the day. On the  XXXX  phone call they said that after they moved the money back to the Federal loan it would make the  Private  loan {$80.00} short. however when I called this evening they said that they saw were that payment was made, however it was n't applied to anything. I have probably had over {$800.00} misallocated. Also the company in question is Navient.
I have tried to get a Mortgage from US Bank and have submitted all taxes & XXXX forms etc, what ever they requested. After multiple delays on there part, mortgage agent went on vacation for two weeks as did XXXX XXXX the Supervisor for this XXXX Colorado area, I was pushed aside, have been ignored on phone messages and emails. They I was told I do n't need a prequel letter til I have a sales contract. The real Estate Agent said without prequel letter we ca n't lock in rates or move forward?? So being XXXX, & US Bank is aware of this, I have been pushed aside for bigger loans as mine is a very small loan. Discrimination is playing a factor into all this from the fact I 'm XXXX and easily tricked into the wrong protocol as told to due & the fact my loan is not a large loan and is not considered as important. But locking in rates, getting a prequel letter comes BEFORE CONTRACT!!! This I have been told is not true saved on my email from US BANK Supervisor and US Bank Mortgage Agent.
Harley Davidson Financial has been calling me everyday all day repeatedly. I called them and made payment arraignment. They are still calling and harassing me. I told them that they are harassing me and they said according to my contract that they are allowed to call me up to XXXX times a day. I told them by law it is still harassment and they called me back again.
I have a collection account on my credit report who was supposed to be included in my bankruptcy. I want to make sure that this is account reflect discharged in bankruptcy with a XXXX balance and be reported to credit agency correctly. do n't want to received anymore calls from this collection agency.
After reviewing my credit report, I came to realize that a debt was being reported twice by XXXX different companies, XXXX and Mainstreet Acquisitions. Original creditor is XXXX and that account 's date of first delinquency is XX/XX/XXXX. Mainstreet is not accurately reporting the date of first delinquency on my credit report and has the date opened as XX/XX/XXXX but is showing the collection as being reported XX/XX/XXXX. 

In conjunction with that, Mainstreet is reporting that my terms with them is " Terms : XXXX months '' on a paid, closed account despite me not having any signed contractual repayment terms with this company. This violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as " Terms : 1 Month '' on my credit reports. 

On my XXXX report, this collection is being reported as open. With respect to the " Type Of Account : Open Account '' notation on my XXXX report : I do not have any known type of agreement or contract in writing or otherwise with Mainstreet Acquisitions that creates or procures any type of " Open Account ''. A revolving line of credit is known as an " Open-ended account where there is a possibility on continuing transactions '', and being that this is a collection account, there can be no " open-ended '' account terms. Mainstreet Acquisitions violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency " Type Of Account : Open Account '' on my XXXX credit report. 

Mainstreet Acquisitions violates FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Type Of Account : Open Account '' on my XXXX credit report. 

I sent a letter to Mainstreet Acquisitions on XX/XX/XXXX requesting that the paid collection be removed from my credit reports with XXXX, XXXX, and XXXX, but have never received a reply despite including my address, phone number, and email address. 
Also, I recently changed my name to XXXX XXXX after getting married but my credit reports with the incorrect information will show XXXX XXXX.
On XX/XX/XXXX, Wells Fargo charged {$2000.00} to my XXXX XXXX XXXX XXXX XXXX from a company called XXXX XXXX , in XXXX FL. I called them and told them I had never heard of such a company and had not done any business with them. They refused to return my money and claimed I had dealt with them. There was no phone number to make any contact. I have been fighting this cause since then. Last week I was told that my time of limitation has run out BUT I have been on this case since XXXX. 

The following year on XXXX, I was charged {$1500.00} to sell my timeshare. Then on XX/XX/XXXX, the same company, XXXX XXXX XXXX, called me and hurriedly told me they needed {$3800.00} as they were selling the property. I was confused and did not realize that I had already paid them {$1500.00} earlier that year. This was charged to my XXXX XXXX XXXX XXXX XXXX. I refused to sign the contract and asked them to cancel. 
I called Wells Fargo and asked them to refuse the charge. They told me they could n't reverse it. In doing so, they accepted the scam charge rather than supporting their client who had been with them since the sixties. I received a letter which claimed I had profited from this charge. How can they prove that? Still pursuing this all these years and the time of limitations is up. They never sold my timeshare.
In XX/XX/XXXX, Wells Fargo Bank was involved in online banking with my name and social security number. I received statements from Wells Fargo regarding several open checking and savings accounts. These accounts were opened using a fraudulent name and address and social security number. Upon receiving this statements, I immediately contacted Wells Fargo to report the identify theft. 
On XX/XX/XXXX, I received a letter from Wells Fargo saying that Wells Fargo will be closing the accounts on XX/XX/XXXX due to reports of identify theft. This is weeks after I reported the fraudulent accounts. 
On XX/XX/XXXX, I received a statement of accounts from Wells Fargo to let me know that my account options are online banking and my spending report. I immediately contacted Wells Fargo and their fraud department and I received a run-around. I talked to 6 different people, which are noted on the attachments, and received no satisfaction. 

I have never done online banking and Wells Fargo put me in jeopardy by not doing not doing any investigation by opening accounts, without proper verification. I have included two documents which I hope will shed light on this injustice done to a senior citizen. I am approaching my XXXX year and I can not believe it takes someone online minutes to open up a fraudulent account and it may take weeks or months for me to resolve this problem.
I requested mortgage assistance from Franklin Credit Management XXXX XXXX XXXX XXXX, XXXX regarding my defaulted 2nd mortgage and they have not offered my any assistance.
I was prescribed glasses and decided not get the glasses. So I never signed a contact stating that I would have to pay for the glasses once they are made, however they charge me for them anyone. Why should I pay for something that I do not have or need. Now it is on my credit report in XXXX.
Credit Reporting agency Equifax never validate my judgment. They updated satisfied instead of removing like XXXX and XXXX.
Toyota Motor Credit sent a claim against me for {$370.00} for an end of lease amount due on a XX/XX/XXXX lease. They sent it to XXXX XXXX of New Jersey at XXXX XXXX XXXX, XXXX, NJ XXXX for collection. XXXX made harassing phone calls to me. Previously, I asked them for a justification for the charge. On XX/XX/XXXX, I spent over an hour and half on the phone with Toyota Motor Credit and Toyota Motor Credit was unable to tell me why they say I owed {$370.00}. Toyota Motor Credit patched me to a person at XXXX XXXX. On XX/XX/XXXX, the XXXX Associate told me the the {$370.00} was for for a disposition fee and that he was sending to me proof of this. When I received the package from XXXX on XX/XX/XXXX, it shows that the deposition fee had been waived and the paperwork did not provide a justification for the {$370.00} charge. Being tired of being harassed by XXXX, on XX/XX/XXXX I paid the {$370.00} by mail and filed this complaint.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX In XX/XX/XXXX we paid {$6000.00} to this company to assist in posting review to our customers experience on our webstore. We also paid 2 more years. In XX/XX/XXXX, we were advised the service was expiring and we allowed to to expire and advised the company of the same. They claim that we can not terminate the service ( even though it is for future services ) and they have created collection and intimidation efforts on this false debt. We have been very clear that this debt is not owed, they are not entitled contractually for any subscription type of future service, and they have ignored.

XXXX XXXX has a huge amount of negative review and a D- rating with XXXX XXXX XXXX . They use intimidation and aggression. 

They state they will stop if we pay them {$6000.00} for a future year of services and we will not allow this extortion.
A creditor came to my place of employment at the bank and threaten to sue me if I did not pay back my private loan from XXXX XXXX College in XXXX Texas. I know this is clearly against the law.
I 've previously disputed two charges on my Capital One Credit Card in the amounts of XXXX and XXXX for merchandise I never received and I was assured by Capital One that the problem would be resolved. It 's been several weeks and the problem still persists and I 'm being rebilled for merchandise I never received. This is very disturbing and I want the matter resolved immediately. Thank You.
Received a call from XXXX indicating I owed a credit card bill to Capital One from 2001. My niece also received a call from them asking about my whereabouts. My niece would have been a XXXX in 2001 and would know nothing about a credit card in my name. I asked to receive something in writing from them about this account and he refused to send me anything. He further stated that he was going to send this back to the lender as a refusal on my part.
I called Great Lakes in XX/XX/XXXX about what paperwork would need to be filled out by me in order to proceed with the XXXX Loan Forgiveness for which I qualified for by working in 2 XXXX for 5 consecutive years XXXX XXXX  and holding a XXXX XXXX.

I filled out one packet for each XXXX XXXX  as instructed and both boards signed the packets which were mailed in XX/XX/XXXX and sent via email and faxed.

Great Lakes is now saying the need two additional applications, one for each XXXX worked within the same county backed by the same board and signed off by the same person before they can proceed with filing the forgiveness ( which takes 90 days to process and forever to hear back if there is an issue. ) The qualifying XXXX are : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX county Ga XXXX ), and XXXX XXXX XXXX  ( XXXX  county XXXX ). All XXXX  in the state of Ga.

I hold a XXXX  in XXXX   and XXXX in XXXX XXXX. I XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, and XXXXXX/XX/XXXX - XX/XX/XXXX for struggling XXXX XXXX. I am now enrolled in my XXXX program and quickly running out of funds to play their games.
I asked my bank BBVA COMPASS BANK for a loan modification several ti times and they just say no without allowing me to do an application or anything.
XXXX from XX/XX/XXXX on one patient and XX/XX/XXXX on the other patient. Two XXXX bills and one XXXX XXXX bill sent to collections without written notification or any notification for that matter. We have been making monthly payments on all three accounts and all of a sudden they were sent to collections without notice. The monthly payments varied when my husband lost his job but payments are still being made consistently. No notice was sent to put on a payment plan to pay the bills down to avoid collections. Phone calls have been made numerous times and messages left with XXXX XXXX XXXX XXXX with no return calls. No one ever answers the phone in their billing department. XXXX. A message was sent online recently and still awaiting a response on that as well. Two of the accounts are with XXXX XXXX XXXX and one is with XXXX XXXX XXXX XXXX. They are all out of XXXX XXXX XXXX XXXX. I did speak with XXXX XXXX XXXX this morning and they are looking into the account. XXXX XXXX XXXX XXXX is my biggest complaint
I have contacted both the creditor and the credit bureau TransUnion about an account that was opened through identity theft but neither will help me clear this matter up.The TransUnion dispute results came back as " meets FCRA requirements '' Which I do n't understand because I did n't open this account. I had my identity stolen. The other fraudulent accounts opened we 're removed. 

The account was sold to : XXXXXXXX XXXX, MIXXXX ( XXXX ) XXXXOriginal creditor is : XXXX balance XXXX and account opened XXXX XXXX, 2011.