WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX18 at XXXX XXXX XXXX XXXX XXXX XXXX received certified letter requesting proof of original application, contract, any and all statements related to the debts, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debts that they claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ) XXXX XXXX XXXX XXXX, is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition XXXX XXXX XXXX XXXX   received a notarized affidavit requesting original documentation containing my signature regarding this  debt. Since XXXX XXXX XXXX XXXX has failed to provide the requested documentation, I  expect this debt to be removed from the all three of the major consumer reporting agencies immediately
There a a student loan from 1986 i was only XXXX years old and I was n't even informed about this loan. I signed something that I was n't even sure what I was signing I do n't recall going to that school for a week.
XXXX XXXX XXXX {$590.00} Collection agency has no contract ; no valid claim ... settled this with original creditor ( XXXX XXXX ) unlawful to attempt to collect a debt twice ... original creditor stated that your records may be outdated ... please remove erroneous account or litigation will follow ... I was told that no one verified this account ... and that XXXXr verification that you utilize is faulty ...
I leased auto from GMAC back in XXXX for about XXXX year lease. I lost my job and was unable to continue making payments. GMAC took me to court and repossessed the vehicle. They are continuing to report this account after the passed XXXX year limitation. They seem to modify the date of this account to prolong this account as active. If you look at the account they have not updated this account until I made contact with them for status of this account. The are still operating under the name of GMAC when in actuality they are now XXXX Bank which is deceiving within itself as a corporation.
I bought a XXXX condo in XXXX. First mortgage {$140000.00}, 8.25 % from XXXX, 2nd mortgage XXXX, 13.35 % From XXXX in XXXX. I had XXXX small children and our apartment was converting to condo and out of my price range. My credit at the time was fair. I had been living in the US Virgin Islands for 7 years. Within months of buying the place, the financial crisis occurred and BOTH lenders were out of business. My 1st mortgage went to XXXX ( XXXX ) and lowered to 3.75. Thank you. My second loan ended up on the desk of Franklin Credit Management Corp of XXXX XXXX NJ. I was current on both loans and remained that way until ... .. In XXXX or XXXX, Franklin calls me and says we are lowering your interest rate to 4 % for the next 12 months. Why ... I asked myself. I was not behind on my loan.. What happens after 12 months? They said, We'll extend it for another 12 months ... ... ..that never happened. After 12 months, they called me said, OK now we go back to 13.35 % ... ... and I said No ... ... I told them I did not want the home for free but I would like a FAIR interest rate ... ... .they took my financial information over the phone, turned me down for loan modification on the call and I believed I was being taken advantage of ... ... .I believe they lowered my interest rate to 4 % because there were being audited and interested in getting my 13.35 % loan off their books. After the audit, business as usual, back to 13.35 %. I am digging to find proof of that audit ... .If that fact is true, they lied to me AND to the auditors of the Federal Government ( or State, I am not sure ). Long story short, I have not paid them a dime since the day they refused to consider a loan modification, asking for financials over the phone and making a decision without a written application appears to me haphazard and unprofessional.. The conversation is on a recording in their log. THEY were the one 's recording the call for quality assurance. I was current on BOTH loans at this point. 
I believe both my original loans in XXXX were excessive, however, I signed with the intent to refinance after 12 months. I was not the cause of the financial crisis but XXXX and XXXX, and continuing Franklin Credit, were playing the game. XXXX immediately lowered my 1st mortgage rate voluntarily, and my second mortgage servicer, Franklin Credit Management Corp, should either return all funds paid to them by me under a predatory original 2nd loan bought from XXXX, be forced to modify my loan, and/or move to drop the foreclosure matter. The investors of my 2nd mortgage are XXXX and XXXX. I have never done business with them directly. Their names are on the foreclosure papers. 
I would appreciate any help or guidance you can afford me in this matter. I am fighting for my home and protection of my family. Also, my 2nd mortgage loan is not on my credit report.
I responded to the XXXX XXXX XXXX to make a XX/XX/XXXX mortgage payment, where I was informed by the teller that my mortgage account was closed, unbeknownst to me. 

I received a letter from XXXX XXXX XXXX indicating that they sold my loan to XXXX XXXX XXXX. During that week, I attempted numerous times to contact Carrington Mortgage ( No answered-awful ) so that I could make my mortgage for XX/XX/XXXX, however, the phone continued to ring with no answer the phone. This went on for about 4 days, where I was able to speak with someone. 

The teller informed me that their were not a debt collector. I asked her what happen and why was my mortgage transferred to them, when I was never late with my mortgage payments. The teller informed me that XXXX XXXX XXXX was not following the proper procedures with the loan. She informed me not to worry that I would receive a letter from XXXX XXXX   XXXX welcoming me to their company with a statement to pay my mortgage for the month of XX/XX/XXXX. In any event, she also informed me that if I wish to pay my mortgage I could it on-line. After several attempts to make my XX/XX/XXXX mortgage payment, I was finally successful in making my mortgage payment. 

However, XXXX XXXX XXXX continues to call me requesting my mortgage payment for XX/XX/XXXX. I informed them that I was sending the mortgage payment via mail ( which I prefer ) and asked them why were they calling me. They called me again with the same request, I informed that I sent in my mortgage payment. I explained that maybe due to the XXXX XXXX we just had. Moreover, they continue to harass me with phone calls about paying my mortgage. When their is a 16 day grace period, in which, I have to pay my mortgage. 

Since the Loan Modification with XXXX XXXX XXXX in XX/XX/XXXX, I haven't been late or failed to pay my mortgage payment. I don't understand why XXXX XXXX XXXX continues to harass me repeatedly for no reason. 

I am not late with my mortgage payment.
The three credit reporting companies had confused my identity with my brothers because we have similar first name and last name and we live in the same household.However we have different date of birth and social security number. XXXX has resolved the issues but Equifax and XXXX still confusing our identity. 

I can not access Equifax because it can't identity me with my social security and date of birth.When I try to login, they either can't find me in the system or they confuse my credit report with my brothers. So when I input my information they take me to my brothers credit report. 

XXXX has my brothers credit report and my credit report combined together. There are accounts that belong to my brother and there are accounts that belong to me but however XXXX   has all information incorrect. They have my brothers date of birth and name on my report when I try to pull the report with my social security and date of birth. 

Example of Personal Information displayed in XXXX which is incorrect : Name XXXX XXXX  XXXX Also Known As XXXX XXXX  XXXX XXXX XXXX Birth Year XXXX Employer ( s ) XXXX Address ( es ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Statements Personal Statement ( s ) No Statement ( s ) present at this time
I sent money to my step son in XXXX through Paypal.com. They changed the email address and sent it to the wrong person. I sent it to XXXX. Their system changed it to this address XXXX. I contacted them within 30 minutes of transaction. They told me it could not be changed. I cancelled a transaction the day before with no issues. I have emailed this recipient but no feedback. I have filed a report with my bank also. 

Sent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXX Payment sent to : XXXX Payment amount : ( in currency funded ) - {$170.00} USD Your fees : - {$8.00} USD Your total charge : - {$180.00} USD Payment amount : - {$170.00} USD XXXX XXXX 's fees : {$0.00} USD XXXX XXXX receives : {$170.00} USD Date : XX/XX/2018 Time : XXXX CDT Status : Completed Funds will be available to your recipient on or before : XX/XX/2018 Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply. 

Subject : You have sent {$170.00} USD to XXXX XXXX with PayPal Funding Type : Credit Card Funding Source : {$180.00} USD XXXX Debit Card XXXX This transaction will appear on your bill as " PAYPAL XXXX ''.
I used to have account with XXXX including XXXX XXXX . Last year I moved to different city and request them to transfer XXXX XXXX account under my wife name . After 2 months they discounted the service saying that I owed them XXXX dollar and after paying that amount they restored the service again. In XXXX they started calling me to pay that amount again and started threatening to send for collection. . In XXXX I got letter from Diversified consultants for collections of XXXX( reference number XXXX). I called them and made them clear about the situation. Now they put this note on my credit file.
Beneficial can not read or understand ENGLISH! I am making a complaint against them for a mistake they made in XXXX XXXX. That 's XXXX XXXX. DO YOU UNDERSTAND THAT THE YEAR IN QUESTION IS XXXX?? NOT NOT NOT XXXX. Beneficial DID own this mortgage loan in XXXX XXXX. They have stolen our money. Here is my complaint and possibly you can locate someone at Beneficial that can actually read and understand English. And make sure they understand that the theft by Beneficial happened in XXXX XXXX NOT XXXX. They did hold the mortgage in XXXX XXXX. BENEFICIAL IS THE RESPONSIBLE PARTY!!! 
Beneficial applied two monthly payments XX/XX/XXXX to XX/XX/XXXX. They have sent us their accounting records that show that they made this mistake but they refuse to rectify the mistake. On XXXX XXXX, XXXX they completed a reconciliation of our account and their lawyer informed the federal bankruptcy judge that our account was up to day. On XXXX XXXX, XXXX after completing another reconciliation they told the NYS Attorney General 's Office that our account was up to date. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX they were paid a total of {$10000.00} which was more than enough to cover 6 months of payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of {$1700.00}. On XXXX XXXX, XXXX they sold our mortgage to XXXX XXXX Loans. Not only did they not tell XXXX that we were paid through XX/XX/XXXX, they told them that we were a month behind. This caused us to incur late fees. They seem to think that XXXX can fix their mistake. XXXX CAN NOT FIX A MISTAKE THAT BENEFICIAL MADE! Beneficial needs to be held accountable for stealing a customer 's money. This is a heinous act and they need to be punished. After many requests they sent us their accounting records of our mortgage. THEIR OWN RECORDS SHOW THAT THEY MADE A MISTAKE IN APPLYING THE PAYMENT TO THE CORRECT MONTH. Apparently no one at Beneficial Customer Service can read and understand English. Nor can anyone decipher their own accounting records. PLEASE make every effort to find someone at Beneficial that can read and understand English and can also understand their own accounting records. I DO NOT WANT TO HEAR THAT THEY BEAR NO RESPONSIBILITY TO FIX THEIR MISTAKE BECAUSE THEY SOLD THE LOAN TO XXXX AFTER THEY STOLE OUR MONEY. 
This information is also being shared with the NYS Attorney General 's Office and the federal bankruptcy court judge of the southern division of NYS.
This has been an on going problem for over a year. I received a call from a XXXX XXXX who claims to represents Allied Interstate XXXX XXXX his contact number is XXXX XXXX XXXX. XXXX is trying to allegedly collect a out of state family members, debt that I have no knowledge of nor am I cosigner for this family member who I have no contact with. The phone calls are continuously coming at all time of the day and night.
I transferred XXXX IRA 's to Merrill lynch last year. From the time I opened my account I was asked repeatedly by the broker in XXXX to return to his office to fill out the same forms over and over again. I also was asked to provide a death certificate for the inherited IRA, which I did to the merrill lynch broker in XXXX and again to another merrill lynch broker in XXXX. I had to provide the death certificate before I could withdraw the RMD required minimum distribution. I also filled out forms so the RMD would be withdrawn automatically and sent to me. last Friday I called merrill lynch to see what happened to my RMD. I was told they dont have the form for an automatic withdrawal on file but they would send me a check as I requested. Shortly thereafter I received a message on my phone telling me to call merrill lynch. I did and when I was finally able to get through their automated phone system i was told they refuse to send me MY money from MY account in the RMD unless I send them a copy of the death certificate, which i already did twice. If I do n't receive the RMD before year end I will have a problem with the IRS. I ask you to contact merrill lynch and get me my money now, I also read in the past merrill lynch entered into a consent decree when sued by you, Apparently merrill lynch does not take you seriously as they continue to flout the law, therefore I ask you to fine the as much money as you can and to revoke the brokers licenses of all those involved in attempting to deny me access to my money.
XXXX XXXX, 2017 I sent in the final payment for my car but, my credit scores when down why is that? I feel like I 'm being targeted
XX/XX/2018 - Wells Fargo charged my credit card for an upfront appraisal fee, my rate/term refinance did not require an appraisal ( XXXX underwriting allowed a " rapid value '' in this case ), and they did not refund the fee. The fee should have never been charged. 

XX/XX/2018 - I requested the $ XXXX allowable cash out for a " limited cash out rate/term '' refinance, Wells Fargo refused. 

XX/XX/2018 - I asked to speak with a manager and was refused.
I filed a bankruptcy chapter XXXX that was discharged on XX/XX/2018. I checked my credit report and all was fine except XXXX XXXX a debt collector for XXXX XXXX XX/XX/XXXX XXXX XXXX Has my account as bankrupt however they still have it listed as open. I called before the discharge and asked the gentlemen why it was still listed as open, he advised me that he would correct it immediately. I filed a complaint with transunion and XXXX so far I haven't heard back from them, however I decided to call XXXX again and the collection agent advised me that they did have it as bankrupt however they by law code 93 of the fair credit reporting law had to keep it open. According to my credit report they last reported this account open on XX/XX/2018. I realize that if the account is closed and has been closed for almost two years it should say closed having it a bankrupt is not enough. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX their phone number is XXXX The account number is XXXX
In XX/XX/XXXX2018 my closing co ask and received by fax a payoff on my loan at Specialized loan servicing co for closing as i sold my property, this amount was sent to them on XX/XX/XXXX18, and returned approximately to the closing co on XX/XX/XXXX18 saying it wasn't enough to payoff the loan, in the meantime they sent me a escrow /insurance refund, they called me approximately XX/XX/XXXX18 saying i needed to return this escrow amount, it was sent to me in error, i was instructed to send it by certified check back to them, i did this, My closing company re-sent the amount given to them back to my mortgage co, My mortgage company once again returned it to my closing co as they said it wasnt emough to pay off the loan, they didnt wait for my escrow check returned to get to them,. So finallly on XX/XX/XXXX18, my closing co sent the mortgage co ( SLS ) a new wire amount with the total payoff again including what they had refunded to me, Now the mortgage co has a new wire $ amount for the NEW total payoff amount and has my check where i returned the money to them, While checking my credit file they have turned in i didnt pay XXXX and XXXX payment showing me 60 days past due on my credit, dropping my credit score from near XXXX to XXXX, i have always had GREAT CREDIT, i need help and my credit restored, none of this was my fault, it was all started by SLS giving us the wrong payoff amount, and now they are hurting my credit because of the delay to payoff the loan I have called and was told theres nothing i can do, the payments were not paid on time and thats it. PLEASE HELP ME ALSO I NEED my ecsrow refund returned to me asap, thanks
I was sued XX/XX/XXXX. However, I was not notified that I was sued until I received a wage garnishment notice in the mail on XX/XX/XXXX. 

The company alleges that had sent an initial demand letter with the notice of right to dispute to XXXX XXXX XXXX XXXX XXXX , CA on XX/XX/XXXX. I did not reside at this address when they had allegedly sent the initial demand and thus never received it. 

The wage garnishment and shock of having been sued has caused stress in my family life and my work life. 

Further information can be found in CFPB cases [ XXXX, XXXX ]
I received a call in XXXX of 2017 about a XXXX past due account. I told the caller I didnt order XXXX and never resided at address that account was associated with. The caller asked for my last XXXX SSN to verify that I wasnt the person they inquired about and I gave it to them not realizing what I had just done. After receiving a collection notice on my credit report i called XXXX to dispute the charges and they had me fill out a ID Theft Affidavit which i sent to them in XXXX 2017. The collection was removed from my report only to be placed back on with a different collection agency this month. The amount thats in dispute is {$1900.00}
I wrote  XXXX , Experian,  XXXX  on numerous times and the item still not coming off or my credit report not being updated .I sent copies of letters that my name was stolen and social security thru identity theft and I m getting repeating inquires on my credit report, I called all   XXXX   companies and wrote them.nothing is better done, I do n't think its fair that mh y credit score k eep going down and being damaged every time I try to clear and fix it .someone trying to keep things in my name .I disputed all the inquires and they wont take it off, The  XXXX   XXXX  for {$1400.00} not off  XXXX   XXXX  bank {$490.00},  XXXX  company for a car loan {$30000.00} that wont be taken off .Student loan that 's accurate and they still have the owe  .I believe the credit reporting agency is out to get people and not see you progress at all .I need my credit clear up soon as possible and I would like a rapid rescore this is hinder me and my family
On XXXX XXXX, I called Navient with the hopes of understanding my loan. I am trying to understand my current terms, how much I need to pay each month to reduce the length of my total pay off terms, how much I have currently paid etc. 

I also wanted to get an extension of my current payment plan. I was told by the representative that if I paid another payment of my loan that I would be current. He told me if I made the payment by the end of the month, that it would n't affect my payment. So I scheduled the payment by the end of the month with him and the funds came out of my account b y the end of the month. He did inform me that if I paid by the end of the month that I would be current. I then enrolled in an auto debit program for the next 6 months. I was happy to have had some resolution when I got off the phone. I go and check my credit today, and I saw that my score dropped 17 points because I was given terrible information. 
If the representative would have told me that you need to pay your loan by the XXXX of the month and not the XXXX, my credit report would n't have been affected. 
Loan companies are to help borrowers understand their terms and use accurate advice. It 's unfortunate that my credit is now being affected because I was trying to repay my loans.
My child 's identity has been stolen, it shows a XXXX 's credit at XXXX TX, he 's social security number has been used by this person since 2010, I have reported this issue to XXXX. and nobody has seem to help me and my child in this issue.
Received telephone call threatening to arrest me on a felony charge and freeze all banking and credit accounts on a debt that was 15 years old and past the statue of limitation. He bullied me and continued to threaten me if I did not pay money right then to him. Three business days later I sent through USPS XXXX a letter to the company disputing this debt and wanting no further contact. The following day I mailed a second letter certified mail also disputing this debt and requesting no further contact. Asset Recovery Associates have continued to call me every day and on XX/XX/XXXX they called at XXXX. They even contacted my brother believing he was my husband and demanded contact with me, however, they failed to identify themselves.
Jh portfolio debt I have a unverified account from Jh portfolio collection. I had previously disputed this account. I have never done business with agency. Pursuant to the fair debt collection practice act ( fdcpa ) I disputed the validity of the debt. I request that jh portfolio provide verification of the following : 1 ) the original application or contract. 2 ) any and all statements allegedly related to this debt. 3 ) any and all signed receipts 4 ) any and all canceled checks 5 ) original date of default and collection activity begin 6 ) whether you purchased the debt 7 ) the date ( s ) the debt allegedly accrued 8 ) an itemitzation of the costs, including an accounting for any additional interest, charges, or other fees placed on the account. I want to request jh portfolio debt cease and desist all further communcation activity and provide verification of purported debt. On XXXX XXXX jh portfolio also reported to XXXX credit reporting that I paid XXXX $ on said account. I would like documentation i.e. Voided check, debit card payment or printed receipt of said transaction. Misstating the consumer paid on this account may constitute a violation of fair debt collection practice act. The FDCPA prohibits the use of any false or deceptive or misleading representation in an attempt to collect a debt see U.S.C 1692e
To Whom it  may co ncern This my third time complaining about this company. However now since I started paying ahead of time to eliminate some interested, the company decided to raise the rate. Wow, By the time I get done paying them I would have paid  XXXX  on a total of  XXXX  Loans I took from a school (  XXXX   XXXX   XXXX   ) th at no longer exist. If that is not loan sharking I do not know what to call it. Since my last complaint I have started paying early. Now I am a month ahead almos t  XXXX  o n my payments and I get  this bomb d ropped on my, that my interest rate has increased wow. if this is not modern day  XXXX  I do not know what this is.