WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by phone to let me know that the caller would be coming to my home on XXXX XXXX, 2016 to have me sign forms regarding collecting a debt I ( supposedly ) owed. 

When I asked the caller what was the debt? She did not tell me but referred me to a phone number to call to get such answers. She politely supplied the number, and I immediately called it. The number I called : ( XXXX ) belongs to a debt collection company LHG - Lionstone Holding Group. I spoke with a customer service representative by the name of XXXX XXXX. She verified that they were attempting to collect a debt from a XXXX XXXX at telephone XXXX. The social security last for digits did not match my social security number and the date of birth also did not match my date of birth. With this information verified, she said that the may have the wrong person, and to not worry about it. I asked for the address that they were sending the first caller to, this they would not diverge because they said it did not matter since it appears that they probably had the wrong person. 

I told her that this matter still mattered to me because I had never heard of a credit collection agency sending someone out to your home to have persons sign papers regarding a debt. The Rep replied that that part was handled in another department and she did not know about that portion of the work. I asked what was the debt, but she insisted that since the social security number and DOB did not match, she could not tell me any more about the debt. I told her I was very disturbed about how the whole issue was being handled because I was called on my phone and harassed about a debt they claim I owed and would be coming to my home on Friday XXXX XXXX ) to have me sign certain forms, yet they can not tell me what kind of debt or how much it is ... after disturbing me in my home by an harassing phone call over it ...., left me disturbed and unsatisfied with the results. I also told her that I had never heard of a collection agency being sent to your home to collect a debt or sign papers concerning the debt, and that the only people I know that come to your home are sheriffs to serve notices and warrants - and they come with guns on their hips prepared to protect themselves ; I also stated that the collection agency 's practices were disturbing to innocent people and dangerous to the people being sent out, and I would report this incident to Consumer Financial Protection Bureau both for my sake and for the workers ' sake, and that they needed to change their practices.
Due to a banking mishap I was stuck out of town in a business trip with no cell phone or way to pay for food. I had to get a payday loan to survive. As I was new my job I had to get the first one that approved me. Now I am paying 775 % on a XXXX loan.
For 3 weeks I have been trying to get a repayment plan. I have been waiting on my point of contact to call me with the new monthly payment on the repayment plan. He finally called and told me we could only do a 10 month repayment plan and he would call me on Monday,XX/XX/XXXX to set up the plan. He never called and I called them ( Shellpoint Mortgage ) Tuesday and they informed me that the person I was speaking with did not know what he was doing and should not have told me I could get a repayment plan, because it was less than 15 days from the sale. They said it is nothing they can do. If I would have known 15 days ago I would have demanded a new person to speak with. I hope someone can help, because I don't think this is fair.
I am writing to you about a discrepancy on the final amount owed on my mortgage. I have emailed the company several times and have had several phone calls about this. I started emailing them two years ago about the amount owed at the end of my loan. Somehow {$4700.00} got tacked on the end of this loan. This {$4700.00} is our discrepancy ; I tried to pay my last payment of {$600.00}. They told me I could not pay my payment until the investigation was done. In XX/XX/XXXX they had to look into this further. I have been in constant contact with the company ( weekly )  to get this resolved. I have documented all of our conversations. I was told in XX/XX/XXXX it should be resolved XX/XX/XXXX called and they said they were still investigating it, give them till XX/XX/XXXX. called them today, they said " to be patient '' they have assigned this to a escalations team. I am getting collection calls from their collections department asking why I am not paying the payments, I told them it is being investigated you can see it in the notes. They said this is not being investigated that they sent me a letter saying it has been resolved, ( I never received a letter ) and the company that had my mortgage before them has gone out of business and that I owe the money to them. I was told that today by XXXX XXXX XXXX, he wouldn't give me his last name, said he doesn't give his name to strangers. I have been given several supervisors being told the others are not available. They keep saying it is being worked on. My payoff date for this mortgage was XX/XX/2018. I am looking to find what steps I can take to resolve this.
On XXXX XXXX, 2017, I sent my settlement payment ( USPS money order ) to Trident Asset Management. My payment was delivered on XXXX XXXX, 2017 at XXXX. They are claiming they have not received my payment. I have called everyday since being delivered checking the status. I believe they have my payment and are holding it for some reason.
I have received multiple bills from this collection company, but after research have discovered that they are not authorized to collect this debt in the state of Hawaii.
On XXXX XXXX 2017 I attempted to use my ADP TotalPay card to purchase a computer at XXXX XXXX in XXXX XXXX XXXX in Maryland. I wanted to charge {$800.00} on the card. At the time I had a balance of {$1800.00} of available funds. The card was declined. XXXX XXXX attempted twice and it was declined twice. I had to use my XXXX XXXX XXXX Check card to make the purchase. I contact customer service at the Money Network and was told they could find no reason as to why my card was declined and they apologized for my inconvenience. They stated I could transfer funds from the ADP card to cover the bank card. On XX/XX/XXXX, I processed the transfer of funds from my ADP card to my personal XXXX XXXX XXXX checking account in the amount of {$950.00}. My ADP card was charged {$3.00} for this transfer. On XX/XX/XXXX the funds had been returned by my ADP card ( less the {$3.00} fee which was not returned ). I called customer service and was told they were having a technical glitch and could not transfer the funds at this time. They once again apologized for my inconvenience. At this time TotalPay has approximated {$1800.00} of my funds and will not allow me to use the money as I wish. As it is they limit me to the use of {$1000.00} of my funds per day. I have accepted this limitation and tried to work within this limit but now their process of declining my transactions is excessive.
Usaa bank is in my mind committing the biggest act of consumer XXXX I have ever seen.You should be ashamed of yourselves. I got a letter from XXXX that investigated part of the issues and this is the second time they investigated and USAA has lied to them, And sadly, I have proof. I have two phone calls from one of your CEO telling me that USAA OWES ME NOTHING AT ALL, dated XXXX XXXX and XXXX XXXX. In letter to XXXX you stated in XXXX XXXX and XXXX XXXX that you were waiting for receipt of my medical bills for car accident. Which is untrue. You point blank told me in XXXX XXXX when I sent a 15 day demand letter over issues with BANKING, CREDIT CARD, AUTO and RENTERS INSURANCE, you told me you were gon na look into these matter, as of XXXX XXXX, nothing, not one issue was resolved or even addressed properly. You use your stall tactics well. I have phone records, faxes emails and the like to show all I have on my end to prove my issues are valid. But USAA Does not care if a customer complains cause you laugh it off. You have no state of grace. I never seen a company who operates under such false pretenses and I have heard my share of other USAA complaints form other former members and the fact that the issues are so similar scare me. Whenever there is an issue whether it be banking or insurance, USAA immediate response is to yell at the customer and make them feel bad. Usaa loves to use stall tactics and drag its feet so that it can use time to make the issue disappear without having to be responsible. Usaa uses standard policies to under mind its customers and pull rug out from underneath them. USAA does not return calls or letters or responses on time or ever in most cases, when it comes to handling a claim or having to respond or react to something and actually take care of policy or regulation issues. Usaa would rather spend money on keeping up false front then handling the banking and insurance issues they are suppose to. After all the issues we went through, with over XXXX policy issues not taken care of. And USAA closing bank accounts down and holding our money for months right after we were identity theft and that is just a few of the issues USAA has done. But after all that, after USAA refused to help get us a car when they were suppose to costing us over XXXX more money then needed. And after the XX/XX/XXXX car accident USAA had nerve to send letters begging we keep auto insurance policy active even though we did not have a car, so you could get your {$150.00} a month for NOTHING. You are quite simply worst of the worst. These issues will not go away until resolved.
This is the closest selection. This is a timeshare debt, specifically non payment of maintenance fees. Per Mass Gl 183B sec 29, the timeshare is subject to forfeiture for this non payment. However, it specifies a requirement of FORECLOSURE to recoup. use of debt collection agencies are not permitted per the law. Meridian Financial has been informed of this and continues to attempt to collect. 
additionally MASS GL183B states that additional charges ( such as subsequent maintenance fees or assessments ) can not be accrued once the 90 day limit of the first default has been reached. 
bot the timeshare company ( XXXX XXXX at XXXX ) and Meridian Financial have continued to add charges to the amount owed. Meridian had further indicted additional charges or interest XXXX be applied.
I have an account on my credit report for a bill for utilities company who was paid in full and now apparently still showing open and sold to a collection agency. I did n't have any knowledge about that before I check my credit report currently.
ERC contacted my elderly parents at a number and residence that I have not lived at or used in over twenty years. They attempted to pump my parents for information about me but would not state who they were or what they wanted. I only found out that they were a debt collection agency through XXXX. This number and residence have never been associated with the account in question and I never gave permission to be contacted at this number by anyone.
A debt that I was not aware of because I never received any letters or correspondence from the company was placed on file with the credit bureau giving a date of XX/XX/2018. Even if the debt was valid, which I'm disputing since I have not received any information on it, it would not be from XXXX of 2018. The only reason I found this debt was because I check my credit regularly. This caused my credit to decrease by almost 50 points. Since I have no information about this debt prior to this I do not believe it is valid. I also have not been in school 4 years so even if it was a valid debt which again I am disputing it would be from years ago not XXXX of 2018. This company is trying to make it seem as though I have a new debt which I do not.
XXXX DE XXXX Y XXXX XXXX XXXX, REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER XXXX NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL THE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS XXXX IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.
the XXXX items are not minds, they was opens in a name that is similar to minds and when I looked at my credit report I saw them was on it, XXXX have tried a lot of time to get the credit companies to remove them but they keep coming back seeing they are minds ... and I keep asking how did they verifty the items are minds
THIS IS NOT A DEBT THAT I OWE NOR DO I HAVE ANY KNOWLEDGE OF THE DEBT. THEY CONTINUOUSLY CALL AND HANG UP AND WHEN SOMEONE ACTUALLY DOES SPEAK I AM CUSSED AT AND THREATENED TO BE ARRESTED FOR A BACK DEBT THAT HAS NOT BEEN PAID!
I called Bank of America to activate my card as an authorized user, which I received in the mail. The call went to the Fraud Dept. They said that my mom 's account was on hold by the Risk Dept. XXXX of the Risk Dept said she could not speak with me about the account. She needed to speak to my mom as the primary account holder. I got my mom on the call. She asked my XXXX XXXX XXXX mother, who does n't speak XXXX and for whom I have always handled her affairs, to tell her how long she has lived in her current address. My mom could n't remember the exact date but said we had been living there for XXXX something years. The correct answer was XXXX. XXXX said that was an unacceptable response and was unable to verify the information and refused to assist us any further. When I asked to speak with a supervisor because she was being difficult, she hung up the phone on my mother and me. She was rude and unprofessional. Now, every time I call back, XXXX must have written some notes on the account that would force us to go into a Bank of America branch because every person we have asked for help has refused - with the exception of XXXX ( I think that was her name ) which could relate and empathize as she cared for elderly parents as well. And even when speaking to a supervisor and answering the security questions correctly because I am looking at the details online, I was told that they could not verify my mom and could not help us further. In my 44 years on this planet, I have never, ever been subjected to this mistreatment in my life by a credit card company. Please help.
For the last 3 months this company by the name of Fast has been contacting my grandmother on her home telephone number about a balance on an old apartment from college. They have been advised by both me and my grandmother to stop calling as this is not my phone number. Tonight I received a phone call from the person working for a company called FAST, they gave a mini XXXX and asked was I XXXX XXXX. I advised them not to call this number again as this is not my number. She told me she will make as many calls as she wants as much as she can and would be calling again tomorrow. I advised she would continue to go to voicemail. She was very nasty and rude and told me directly she will call everyday! Please look into this matter and enjoy them paying for it own their dime!
When I called to inquire about the  XXXX    XXXX   debt fro m 2012 the indiv idual started asking me questions about the debt. I explained that we paid the  XXXX   XXXX  bill and proved it to the collector years ago, she then hung up the phone on me. Unfortunately it 's still there.
I am writing today in wish to obtain your help. Currently I am working on examining my credit, paying down my balances, and pursuing better credit worthiness. You play an essential role in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX XXXX and XXXX   ) on XX/XX/XXXX and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
Does n't want to help me adding land taxing or land inspection to mortgage on ever paper every month I need help low it or get it back to something that is not add on but they are adding land in section on my payment.
Received notification from Transworld Systems Inc, Debt Collector on   XXXX   XXXX  , 2017. Called Debt collector on   XXXX   XXXX  , 2017 to find out more information regarding debt owed. I told them I would need to contact the insurance company regarding payment. Received insurance information on   XXXX   XXXX  , 2017 showing debt paid to creditor. Called debt collector on   XXXX   XXXX  , 2017 and gave them the information. Debt collect will not allow scanned email of insurance information but will allow fax or mail. Both can be unreliably when trying to prove they received the documentation.
To the CFPB, Caliber home loans, and other recipients XXXX this letter go on record as it states the facts in our complaint against Caliber Home Loans. On XXXX XXXX Caliber became the new servicer of our mortgage.In the 2 years since we have never received any SPOC from Caliber to help us retain our home.in Calibers most recent response to the CFPB, Caliber claims that they could not contact us with a SPOC because f a cease and desist on the loan. The fact is in XXXX we hired an attorney to respond to a foreclosure attempt by XXXX, who was the mortgage holder at that time. In the letter sent to XXXX formally disputing their attempt, the wording is as follows " We are demanding that XXXX cease and desist any attempt to foreclose on the home. '' The wording did not state a do not contact cease and desist and further more Caliber Home Loans was not named in this as it would be XXXX more years until Caliber became the new servicer of the loan. Caliber also stated in their recent response that a letter was sent to our bankruptcy attorney on XXXX XXXX, XXXX regarding our loss mitigation options. Our attorney has no record of such letter. Are request through the CFPB was for Caliber to send us any proof that this letter was sent to and received by our bankruptcy attorney. There has still been no response. It is clear that through Calibers lack of contact over the last two years, manipulation of wording, and lack of response to our complaints, that Caliber never intended to help our family stay in our home and only to foreclose and evict us. Leaving this family homeless. Further more the purpose of the CFPB is to help the rights of the consumer but it would seem that is not the case because their hands are tied. Disappointing. XXXX is also go on record that a copy of this letter has been sent to the Massachusetts Attorney General, Massachusetts division of banks, The Justice Department, and our State Senators. We have also consulted with an attorney and we will be taking legal action for the loss of our home, severe violations of our rights, and the mental and emotional stress put on our family. 

The XXXX XXXX
I just recently started monitoring my credit when I noticed that  Portfolio Recovery is   on my report several times. I had no knowledge of any of these debts, nor did I receive anything from them in writing until after I disputed with the credit bureaus and asked them to send me the documentation that validates this debt. Neither the bureaus or the collection agency have validated these amounts ; however, they refused to remove them. They have  XXXX  different accounts on my report that they have failed to validate.
Good afternoon, I receive continues and annoying phone calls from this debt collector. They do not let me finish when I try to explain that I am not the person they are trying to reach. This is every day and every week. 

This needs to stop please!
XXXX is wrongly reporting late payments on my credit reports for my secured credit card. They should remove the late payments or delete the Account in it 's entirety. Ask Experian to delete the account asap.
As of pulling my credit report recently I realized that XXXX XXXX credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.
I am having a huge problem with them allowing me to pay down my unsubsidized loan. They wont allow on line payment, credit card payment or phone payment. I was instructed the only way was to mail a letter with a check and I was told to state to place at pay ahead status and for my sequence XXXX loan only to indicate which loan I was paying off. They told me this was the only way to pay off this loan of {$3300.00}. They did not do this and and only applied $ XXXX to the the loan. I used a check from my credit card company as the plan was to pay my credit card back as I wouldnt need to deal with the constant manipulation and unethical practices of this American Education Services. The previous month they put a payment in " suspension '' and I had to fight for a half a dy to get a refund. They also made me " prove '' I sent a check even though they acknowledged it was there. They are playing games and they tell me how to pay this loan off and then change the rules when you do it that way. They are operating in fraudlent manner and making it harder and harder to pay off loans. This unethical
I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? I attached with it all the relevant documentation as evidence/proof of what i was disputing. But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. For yet another time, the following accounts are erroneous : XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$260000.00} XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX XXXX  ACC XXXX, Date Opened XX/XX/XXXX, XXXX Credit Limit {$3500.00} XXXX XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} XXXX  ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2600.00} XXXX XXXX  XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00} XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2000.00} Attached herewith are : 1. The dispute letter I sent to this company on XX/XX/XXXX
My husband and I are applying for a home equity loan. XX/XX/XXXX Property Report shows judgement on XX/XX/XXXX Capital One Bank {$800.00} in my name XXXX XXXX. 
We filed Chapter XXXX bankruptcy XX/XX/XXXX Listed on the final report and account is Capital One Bank ( secured ) Our case  was completed on XX/XX/XXXX. 
We received a plan completion report on XX/XX/XXXX stating that the Trustee has received enough money to pay ALL claims to the fullest extent required by the confirmed plan and other orders of the court. 
I called Capital One bank explaining this to them, asking for a letter of release, proof of paid, something ... .anything so that we can file it and also give a copy to our loan officer. They informed me that no accounts with my SSN were in their records so they asked me to go through this huge long process with their Credit Dispute Dept. 
Send a letter backed by documents which will take up to 30 days to process then 14 more days to receive a letter of their decision. 
Please Help!!!!!!!