WillisBack/dataset-financial-user-claim huggingface dataset:
I filled out a complaint on XX/XX/2016 about a collection notice I received from AFNI, XXXX On a debt from Century Link for {$82.00} and today I spent the next 3 hours on the phone with XXXX after the collection company told me that XXXX recalled the debt. Once again I was unable to verify the debt with XXXX XXXX in that amount. I spoke with XXXX different customer service reps from billing to credit and collections. NONE was able to tell me how or where this amount came from. Yet it 's been almost 2 years and this debt has been reported to all XXXX credit reporting agencies. I have tried and failed to verify this debt with the original creditor and collection agency. Neither has been very helpful other then they would be happy to clear this up after I paid them this amount. Again I would be happy to pay if I could verify the debt and when I was billed for it. Further more my XXXX XXXX account is paid via auto bill pay and once again I was told by XXXX XXXX that my account is current and show NO outstanding balance. They looked up my account using my name, account number, home phone number my wife 's name and finally my social security number all showing I do n't have any debt in said amount. So once again I got nowhere with this issue and I still have this debt being report on my credit score.
I tried contacting XXXX on XX/XX/XXXX via correspondence USPS tracking number XXXX. The late payment dates for XX/XX/XXXXto XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.
The student loan that I 'm complaining about. Transferred my account without me being informed by phone or letter. Then they put a 30 day late on my account this is from 2009. They closed the account and now it 's been updated on my rcredit report as of this week cause I disputed they in accuracy on my report. I do n't own this account and I do n't owe them anything. They even said on my credit report that I 'm not responsible for this debit. Can you please help me to get this removed. It 's showing on all XXXX credit reports now. Please help. When I called XXXX and XXXX they told me I had to pay them to have them check my report. This is not right. I have work so hard to build my credit and it went down because of tbis issue XXXX points. I 'm so upset about this.
Hi, my name is XXXX XXXX and On XX/XX/XXXX XXXX XXXX   ran my credit without permission. XXXX XXXX needs to be removed as well because that case is closed. XXXX also needs to be removed
Seneca Mortgage LLC has mismanaged escrow funds for my mortgage from what I 've been able to gather Senca made double payments to my property insurer on file as part of maintaining my Escrow. They then sent me a vague letter informing me I was to receive a check from my insurance company which I was to cash then send on to Seneca. I never received a check from my insurer so I assumed Seneca resolved their own problem until I discovered they are now attempting to charge late fee 's because the Escrow account is now in arrears.
On XX/XX/XXXX we contacted Arvest regarding options for home loan modification or options as we qualify according to our lender. When I called Arvest to get information they said We do not let anyone speak to the people that handle this. Terrible policy especially when you are needing to know your options. 
They then tell us to fill out paperwork for hardship assistance but it isnt available and must be mailed. 
We call back 3 weeks later as it was never mailed. We have informed delivery from the post office and can prove it was never mailed. I spent another 30 minutes and they said they would mail it. It never arrived. Instead they sent us a small loan application. Then we call again and request the application. No letter. This time we get a letter to remove authorization of a user. Still no application. Finally, today we get more mail from Arvest but not the hardship letter. So 3 letters from Arvest have arrived in the time 0 letters regarding our hardship. Closing in on 6 weeks they have delayed our options costing us now 1 mortgage payment and another as the process will be delayed. 
We qualify for hardship assistance from our lender but Arvest the services refuses to do their duties. Theyve failed to do their due diligence acting as servicer, delayed paperwork critical to our mortgage, have policy that is anti-consumer by refusing to let you speak to someone regarding options and are misrepresenting facts regarding the mailing of the documents.
I have sent many letters to the credit bureau and they didn't remove the credit alert which prevents me from applying for credit.
I have had this level premium term policy a long time. Within the last three months the payments due appeared to increase. I called customer service and spoke with a nice lady in the XXXX  who services American customers for XXXX XXXX. She confirmed I was up to date. I asked her which bank is the company using for its billing? Answer Wells Fargo. No surprise! XXXX up the accounting in an attempt to drop my policy when they want to for non payment because on the form it looks like past due amount, note the dates. On the original contract it is monthly payments. Just another dirty tactic on the part of the XXXX XXXX  XXXX of which Wells Fargo is. My guess is that they want to be able to cancel liability to life insurance policies when they decide because it must be due to the fact of more people dying and anticipation of it. Already the American people are being assaulted on a daily especially NY which is in a cool down due to the Geoengineering by HARP. I feel like I live next to the runway of a major airport because it is non stop even as I write this. Those elite the " in '' are getting ready to push the button on the next false flag or maybe they are just going to kill the American people by other silent weapons for their quiet wars. I know your agency won't do anything because all you are designed to do is assist the XXXX by getting information from the people to use it against them. So I am using you to get this message that the people are waking up. 

XXXX XXXX Trustee All Rights Reserved Previous recent complaint ... .and all the others that are not being addressed with this bank ... 
Latest Complaint filed today XX/XX/2018. 
Wells Fargo Bank committed acts of fraud and account manipulation on the mortgage as detailed in previous complaints. The Trust is not obligate for the fraudulent debts perpetrated by this creditor and does not acknowledge the alleged mortgage that was unlawful and improper See all previous complaints of the numerous attempts and unlawful actions taken by Wells Fargo Bank to steal the Trusts Property.. All the answers from Wells Fargo Bank are unacceptable and the CFPB should address the complaints more seriously. The latest stunt by XXXX XXXX was a 200 +page document submitted to the XXXX County Supreme Court requesting a referee for summary judgement which I found out after the fact. The court removed this case out of the forclosure settlement part because the Trust does not have a contract with Wells Fargo. This is yet another sneaky attempt attempt to steal the Trusts property. I am not accepting this document for the record publicly which was recently received as attached as there has been no settlement acknowledged by the Trust. As Trustee I have no idea what this check is about.The County Clerk, the Court and the XXXX DA Offices were notified of the problems with the continued actions of Wells Fargo Bank. 

See numerous complaints filed and unaddressed properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This is a continued attempt to collect a debt on an old credit card that I do not believe to be mine. I have requested verification of this amount, and am either ignored or sent extensive paperwork to complete. At no time has either third-party agency provided me with proof of debt. If I received anything from them that showed this was valid, I am happy to provide payment, but as my records show my last payment on the card ( which I paid in full ) was in XX/XX/XXXX, I am concerned at the paperwork stating that it was paid last in XX/XX/XXXX, years after I had moved from XXXX and last used the card. Again, I had paid this card in full and then relocated to Washington three months later. After researching both Northland Group and XXXX XXXX XXXX and learning of their less than ethical practices, I felt it necessary to report their activity.
Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau can not verify the BK, ( because the court doesn't share information with credit companies ). This credit bureau has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file.
The cfpb issued a XXXX fold administrative proceeding ( File No. XXXX ) against Central Financial Control. 
One mandate of the proceeding was a penalty of up to {$120.00} ( aprox ) per incident to each affected customer. 
Another mandate was to issue a full refund to customers who had paid the implicated debts ( accounts ) in full. ( The third aspect of the proceeding is to forgive in full the debt of afflicted customers who failed to pay their debt. ) I was issued XXXX penalty checks of {$120.00} each, complying with XXXX mandate of the proceeding. In addition and as per the proceeding, a refund is due to me in the amount of {$2700.00}. for account number XXXX, for a debt that was paid in full to Central Financial Control and is XXXX of the accounts I held covered by the cfpb mandate. A check for {$120.00} to comply with the penalty mandated was issued for this account, but absolutely no refund has been issued. Central Financial Control is still in violation of the 'refund ' mandate in the proceeding. 
Please refer to the cfpb directive XXXX XXXX. XXXX, link : XXXX XXXX I anticipate a timely response.
I requested, in a Qualified Written Request on  XX/XX/XXXX  on a number of items, detailed in a letter attached an d SunTrust re plied on  XX/XX/XXXX . Suntrust  : 1 ) Fa iled to provide me the requested items particularly modification documents from  XX/XX/XXXX / XX/XX/XXXX .  <P/>  2 ) F ailed to address my concern in a modification request that  my Uniform Borrower Request sho ws affordability of the mortgage.  <P/>  3 )  Asked me in  XX/XX/XXXX  to make  3 Tr ial Payments, all of which they received and of which SunTrust confirmed in a  XX/XX/XXXX  reply to CFPB yet SunTrust has disregarded its  XX/XX/XXXX  approval and confirmation that the modification was approved.  <P/> 4 ) Sent two misleading letters to me on  XX/XX/XXXX  that it was reviewing the new modification and and a letter denying the request. Both letters arrived the same day.  <P/>  5  ) Denied a request for forbearance in a  XX/XX/XXXX  application for modification and false noted that I did not mak e 3 TP Ps timely and therefore my  XX/XX/XXXX  modification was rejected when SunTrust had the three TPPs timely.  <P/>  6 ) Nev er asked me to support my income in th e Uniform   Borrower Appl ication submitted in  XX/XX/XXXX  and if they had, it was improper, in that  SunTrust  had my tax returns as part of the application for relief and I signed documentation that the items submitted were true, correct, and accurate to the best of my knowledge.  <P/>  7  ) Did not submit a denial of the modification request for almost 90 days after they had all of the data to make a credit decision.  <P/>  8 ) A scertains that it can not make a modification approval even though my application was complete and showed historical income to make the payments by my tax returns.  <P/>  9  ) Appears to be continuously to be fraudulently responding to me and the CFPB and such should replies should be referred to the U.S. Attorney General.  <P/> 10 ) Asked me to submit a second request for modification and then wholly disregarded the data submitted as to income and expenses.  <P/> 11 ) Noted that my loan is 28 months past due when it issued a new modification in  XX/XX/XXXX  and the payments I made to obtain the modification were received timely and Suntrust represented to the CFPB what I was supposed to do and I did it timely.  <P/> 12 ) Has continuously noted my mortgage on my credit report as delinquent during the payment period on the mod request i n  XX/XX/XXXX  con trary to what SunTrust reported in writing to me before and after the modification that there would be no negative credit reporting.  <P/>  SunTrust,  via  XXXX   XXXX , a Officer in the Mortgage Escalations Team, has not replied to my numerous request on the last TPP that was paid to SunTrust
I applied to a mailer for an installment loan from Big Pictures Loans, which in its mailer said it was NOT a payday lender. After applying on line I was approved for just {$1000.00}. However, the interest rate was over 940 % and the total payback was nearly {$9000.00} over a one year period with bi weekly payments of {$350.00}.
My mortgage is with Bank of America. I filed Chapter XXXX bankruptcy in 2012. The BOA mortgage has been modified but has never been with another lender. BOA is refusing to report my payments to the credit bureaus- my payments are always made on time- and this is causing me to have a XXXX credit score. I reached out to them a few days ago and they are still refusing to report the account to the credit bureaus.
Debt collector called XXXX XXXX XXXX, XXXX Phone : XXXX XXXX XXXX XXXX , XXXX , TX XXXX Saying i owe {$8000.00} for an auto loan. They can not provide the company or account no from the original loan. I do not have anything on my credit report regarding this loan nor have they been able to give any specific information about what type of car or anything. If they can provide me with further specific information then i could verify if i owe or not. They said the company that had the loan was bought by another company. I dont want to pay something if its not mine. Please help! I did try to use the little info they gave me to see if i could find out anything but to no avail.
I recently received my credit report from Equifax. Confirmation number XXXX. There is information missing from this report from when I filed bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX XXXX have been removed. The bankruptcy case number is XXXX. The property at XXXX XXXX XXXX TN XXXX was included when I filed. Someone is using my personal information to abuse my credit. There is an address listed that do n't belong to me. It is XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. I 've never lived in Michigan, nor have I ever visited there. XXXX-mortgage statements have been reported to IRS for XXXX XXXX XXXX. The loan number is XXXX. Their Federal Identification number is XXXX/address XXXX XXXX XXXX XXXX Kentucky XXXX. The loan I had with XXXX XXXX is not on this credit report, yet when I filed bankruptcy in XX/XX/XXXX loan number XXXX was in the court database base. The property was foreclosed on and sold to Tennessee Housing Authority. A XXXX was reported to IRS in XX/XX/XXXX. Someone reported The Department of labor Federal Identification to IRS. Rather than Tennessee Housing Federal Identification number. The deed number after the property was sold is XXXX. The property was sold in the amount of {$18000.00}. I was not involved with the transaction. I requested this information from XXXX XXXX XXXX County Register Office in XX/XX/XXXX. I pulled my transcripts from IRS, this is how I gained access to the number. There are medical accounts on the report that do not belong to me. Account # XXXX ( XXXX ) $ XXXX-XXXX XXXX XXXX. Account # XXXX ( XXXX XXXX ) {$42.00}. XXXX XXXX XXXX -Account number XXXX ( XXXX XXXX ) {$0.00}. XXXX XXXX XXXX -account # 's XXXX,XXXX,XXXX & XXXX is on my credit report.
I received a threat to sue me from a debt collector named Express Recovery Inc. located in XXXX XXXX XXXX, UT.

The threat was over a utility bill that was past due to the gas company, then known as XXXX XXXX, now known as XXXX XXXX.

The trouble all started when I went online and closed my account due to moving to a new location. I was informed that a final bill would be sent via mail. When we moved onXX/XX/XXXX we had placed a change of address with the USPS. They said it would take about a week before the mail would be rerouted.

XXXX XXXX sent the final bill to the wrong address and we never received the final bill so naturally, it slipped my mind over time.

Then on XX/XX/XXXX I received a threat notice from Express Recovery Inc. claiming they were going to sue me if I didn't pay the debt. So I contacted XXXX XXXX  ( the gas company ) and paid them the negative balance of XXXX  which was owed. I explained the situation to them about not receiving the final bill and how it had slipped my mind.

After paying the debt directly to XXXX XXXX ( the gas company ) I called Express Recovery Inc. and told them that the debt to the gas company was paid. They transferred me immediately over to the law office of the guy who owns Express Recovery Inc. When the lady answered the phone she asks me if I was calling in to pay the balance owed which she claimed was XXXX. I said no I paid the {$200.00} directly to the gas company and I wasn't paying it twice. Then she said well, we are going to pursue the lawsuit then.

XXXX XXXX ( the gas company ) confirmed to me on XX/XX/XXXX, that they notified Express Recovery Inc. on XX/XX/XXXXthat the debt was no longer owed. The lawsuit was still filed against me on XX/XX/XXXX in the amount of {$350.00} and some change which still includes the original debt of {$200.00} according to the court when I spoke with them on XX/XX/XXXX.

Express Recovery Inc. and the owner whose name I will not mention here has committed fraud by filing a lawsuit on XX/XX/XXXX when they were notified directly by XXXX XXXX ( the gas company ) on XX/XX/XXXX that the debt was no longer owed.

This debt is also still on my credit report and both Express Recovery Inc. and the owner ( the lawyer ) have refused to have this removed off my credit report even though the original debt doesn't exist.

Express Recovery Inc. has committed fraud by filing a fictitious lawsuit to collect the original debt owed which no longer exist and at this point is also falsely reporting a collection and/or debt still owed that doesn't exist.
My personal information was part of the Equifax data breach.
The breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
X/XX/12 XXXX XXXX # XXXX I had an account opened with a friend/significant other. He had opened the account in my name because he was unable to. We had separated and I gave him ownership of the account. XXXX did not transfer over responsibility from me to him and allowed the account to go to collections. All the billing information and addresses on file were to the friend/significant other. I had to eventually pay for the collections amount and also received a negative collections indicator on my credit report. I tried disputing this with both XXXX and the credit bureau, but both were unhelpful at providing any information or a solution on how to resolve this issue. I have had this negative account on my credit file when I did not own the account.
XXXX is reporting a credit card account on my credit that does not belong to me through XXXX, XXXX, and Equifax. I did not authorize or had knowledge if this account. Furthermore, once I became aware of it via my credit report I noticed that it is reporting with big questionable errors. It looks fraudulent. It is reporting as XXXX XXXX XXXX account and XXXX account, Please see attached copy of my credit report. I am requesting that this fraudulent account XXXX and XXXX be permanently deleted because neither of them belongs to me effective immediately.
I walked into the bank and was denied a checking account due to incorrect information on a report from early warning services. I submitted a letter to early warning services to have the negative report remove. Early Warning Services told me that they will not remove the negative inquiry, even though I provided a letter from the company stating that the reporting is incorrect.
Dear Sir or Madam, WHO : I am a XXXX male who was XXXX while in military service during the XXXX. It is my opinion that Chase Bank Credit Card Services is attempting to avoid their statutory obligations relative to statutory credit card services. They are attempting to avoid procedures relative to a disputed debt practice. 
ISSUE : In XX/XX/XXXX I disputed a debt with a contractor, XXXX. 
The contract is dated XX/XX/XXXX, the work began XX/XX/XXXX, and the last day the contractor was on site was XX/XX/XXXX. The contractor failed to use material specified in the agreement, damaged what they did install, and failed to install a shower door. To compensate me for the inferior materials, damage, and failure to perform as stipulated in the agreement, Chase was asked to withhold {$500.00} from two payments totaling {$2800.00}. 
On XX/XX/XXXX, I mailed a copy of my contract with the merchant and a letter detailing contractual deficiencies. On XX/XX/XXXX, Chase sent a letter telling me that my claim had not been approved. 
On XXXX I called XXXX. I was told that the decision could not be reversed but I could repeat my dispute and send in more information. I explained other than a copy of the contract, and a detail of items wrongfully substituted, damage caused by the merchants contractor, and failure to install the shower door, could not provide any other relative information. All the XXXX customer service could say was " send more information ''. After 45 minutes, I had accomplished nothing and asked to speak with a supervisor. As the supervisor had eight call waiting, I decided to simply request a return call. 
The following day, I again called Chase XXXX, and talked to a second customer service representative. She transferred me to a third Chase supervisor who asked questions that had no nexus to my claim. The federal statute which provides for a disputed claim process with a merchant does not permit Chase to inquire or provide information that has no relevancy to my dispute. 
Feeling very frustrated and agitated, I simply asked the last customer service supervisor to terminate my Chase account, and provide an explanation as to why anymore information or documents was necessary to substantiate my claim. Unless I receive a response from Chase that is relevant to their denial of my claim, it will take judicial action by Chase to recover the alleged amount in dispute. 
RESOLUTION : All in all, correspondence and phone time, I spent more than eight hours on this issue. Enough is enough. Please assist in validating my claim and clearing the charge on my credit card.
I am currently paying this debt to XXXX XXXX they are collecting XXXX from me. This debt collection is causing me severe XXXX. I am a XXXX XXXX with severe medical issues who is making monthly payments to XXXX.
Last XX/XX/XXXX, checking my credit report, I noticed that an account is incorrectly reported with Select porfolio # XXXX balance of {$140.00} open which does not belong to me and / or I have any obligation, as a result of the first investigation submitted to the bureaus of credit the result was satisfactory obtaining an increase in my score of +70 points, extremely satisfied with the results and procedures of FCRA law. It is not when I received a notification on XXXX-2017 that my score fell due to the fact that said account that was  removed from my credit report was reported with a new balance amount of {$140000.00}, however I proceed to send a new one. investigation sending to XXXX evidence of the results of the reports and the corrections made but to date they have not corrected this error that makes a future purchase impossible.