WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I sent Merchants & Medical Credit Corporation a letter disputing a claim of alleged debt of {$4000.00} by original Creditor XXXX XXXX XXXX I asked for proof of validation per my rights under Under the Fair Debt collection Practices Act ( FDCPA ). I also let them know in my letter that I have been a victim of Identity theft as of XX/XX/XXXX when someone attempted to use my personal information to file my federal IRS income taxes. Since that breach I have been a victim of multiple fraudulent accounts setup in my name ( per my credit reports ). I have also been a victim of both breaches of XXXX and XXXX. ***Please note they are reporting this debt under XXXX XXXX******* My name is XXXX XXXX ! Still with all this information they have refused to provide me with any proof of validation of this debt. I have asked for all of the following below CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I asked for them to remove this reporting from all 3 collection bureaus. They are still reporting and not have provided any proof
I have asked why since XX/XX/XXXX that my payments {$800.00} started to increase greatly, to XX/XX/XXXX XXXX Each time I ask to refinace or ask about the HAMP or any other way that would help. I am told i don't qualify. I am told taxes and insurance are the reasons. 
I asked they send me itemized statements that included the statements they receive from my home owners insurance company and my local tax office. 
I send {$50.00} more each month than what is due. I am asking that someone please audit. They sent my tax mortgage statement and then another due to an error.
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Credit reporting laws ensure that bureaus report on only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

In a letter back in my first dispute, I requested PHYSICAL VERIFICATION OF PROOF THE CREDITOR USED TO VERIFY THIS ACCOUNT IS ACCURATE. As of this date and two disputes later, I have not received anything from your credit bureau, but I did contact you a couple of weeks ago and spoke to a XXXX and I was told by XXXX  that when investigating disputes, everything is sent electronically including the Creditors response ; which in my case the Creditor listed didnt send any documents to verify that this account was accurate.

I requested why I didnt receive documents that the Creditor sent to the Credit Union ; I was told there wasnt any documents sent, the Creditor just responded that the information reported is correct without having to provide any documentation to support the claim. I received a response back from you stating that the consumer stated that the information in the credit file has been VERIFIED AS ACCURATE AND UPDATED.

My next step is to contact the Federal Trade Commission, the local news, XXXX to get the answers I deserve as a consumer.

I am supposed to be protected through the Fair Debt Collection Practices Act. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this debt and if they can not verify then the item must be deleted from the report as soon as possible : The listed item is completely inaccurate the item attachments ). XXXX College is the original creditor. My account with XXXX is paid monthly. As you can see I can extend my time whenever I chose by calling, see attachment. Also, from XXXX  own website, I can cancel at any time and they will deduct the amount of the tuition which by their schedule, I have not submitted fifty percent of the assignments, so why am I being charged the full tuition amount. If anything, I completed 25 % of the assignments and should pay a portion.

I never cancelled the course just postpone due to financial reasons. Per their own document on their website, I will need to cancel my program in writing. I never submitted a cancellation letter, so I am requesting a copy of this alleged letter to validate their claim.
My credit report has erroneous information about a civil judgment from the XXXX XXXX Court small claims court. The apartment complex where my son previously lived sued him for {$1600.00} and were awarded the judgment. My son and I have both the same first name, but different middle initials. I have lived at my private home address for almost XXXX years and have never co-signed for any of his credit. I believe this information was placed on my report in an effort for me to pay for his debts. The credit reporting agency has not investigated this issue thoroughly even though I have filed XXXX disputes. Each time they replied within XXXX days to reaffirm that the report remains uncorrected. A cursory investigation would easily reveal that all the personal information on file at the court and the apartment complex differs from mine.
These accounts are not mine I recently had identity theft and submitted a fraud affidavit to all 3 bureaus. these accounts are not mine. 
1.XXXX XXXX 2 . XXXX XXXX. 
3. XXXX
My daughter, filed bankruptcy last XX/XX/XXXX to stop the foreclosure on our home. Due to my illness I was not well enough to file. Once she filed the mortgage company has worked out a curved with the trustee. To sell our home.. and when I called, to try to work out something with the mortgage company I was giving all this wrong information and no help. Surely my daughter is only on the deed of the property. I 'm on the note, and deed of property. We 're force to be homeless due to an aggressive trustee, wanting to make money for himself, and a mortgage company with no morals. Trustee going to court to ask for my part of property to sell our home.which the mortgage company could have work out something with me to be able to sell my own home.. not be force by trustee and his realtor .. so they can make money .. and my family and I will become homeless. My granddaughter who is XXXX years of age has been approach by strangers coming and lurking on our property asking her all kinds of questions about the house being for sale.. I hope that Shellpoint Mortgage Servicing will not get a chance to do this to another family.
Hi, please i have two hard inquiry XXXX/XXXX Inquiry from XX/XX/2018 not yet XXXX/XXXX Inquiry from XX/XX/2018 has Removed this two inquiry i Contacted XXXX Credit Dispute and i received letter from them in process to remove and TransUnion removed only one so i made this complaint to remove another one Thanks
I called in XX/XX/XXXX to inquire about a forbearance form. They mailed me a form and I filled it out and mailed it back. I called to follow up upon receiving another months bill ; to which I was told I didnt include the co-signer information ( mind you, no where on any of my bills I receive nor anywhere on the user portal online logging in does it show or demonstrate that these two loans have a co-signer ). So they mail the form again and I fill it out again, this time including my co-signers information. I follow up on XX/XX/XXXX and was then told that they had me fill out the wrong forbearance form. I attempted to inquire about this issue and was given the runaround. What forbearance form did I fill out? What one was I supposed to receive? The forms were mailed directly to me by AES so how could they get this wrong twice? They tell me they will mail me the correct form and it is now XX/XX/XXXX and I have yet to receive the new form so I called again today and they had no clue about why I didnt get it. Well now its coming up on 60 days without payment because the forbearance was supposed to have started on XX/XX/XXXX whe. They received the form the first time I filled it out. Please help get this company to do right!! This is so wrong that I keep getting the runaround and have to re-do things
XXXX sold my loan to Fay Servicing ( about {$5000.00} left ).
Fay Servicing wants to add insurance to my loan amount for a home that is non-existant, just like XXXX did. 
They sent me a policy from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX Delaware XXXX 
The certificate they sent says the insurer must be licensed to operate in my state, I tried to get some kind of insurance, with no home to insure, and my insurance lady said there was no insurance company in Oregon that would issue such a policy. So I do n't believe XXXX XXXX XXXX. XXXX and Fay Servicing have the right to charge me for a homeowners insurance policy when there is no home. 
They are also putting any money I pay that is over the payment amount required into a non-applied account? I have requested on the phone and in writing that I want any money over the payment to be applied to the principal, but they do n't do it. 
They are stealing and cheating.
Equifax still refuses to take off my Oregon State Tax Lien that has been deleted from record. 
They say it says released but do n't get to the part where it says extinguished. I contacted Attorney General XXXX XXXX and told her of this issue. She told me to give this XXXX more try before she has to step in. I sent the file to XXXX XXXX and she told me yes it extinguished means it has been deleted from record. I have gotten the same answer from the court house several times. XXXX XXXX said it should n't be on my credit reports like the court house told me several times. XXXX XXXX told me the same thing, that Oregon State is n't a data furnisher and that they do n't provide information to the credit bureaus. Experian and Transunion have already deleted this off my credit reports and told me that they had to because it does n't exist anymore. I want this resolved this time because this is getting tiring. If I have to take this farther, I will do so. My outcome is to have this Tax Lien deleted off my credit report and for me to be done with this once and for all.
I first contacted this company as a result of returning a missed phone call. When the person in that company answer they asked me for my name which I gave. From there they began demanding I give them my social security number, address and date of birth. 
I asked two times for very basic information on my end Who are you and what is this about? They refuse to tell me instead they kept demanding for my private information and claim they wouldn't tell me who they were unless I gave such information. When I told them that I would not give them any private information the woman on the other end of the phone got really angry. Began to threaten to sue me and that she would report that I was being uncooperative and refusing to help. I still don't know what this is about but I just go another call from the same phone number. So I did a phone number reversal look up online and it turns out its a company called. Miller Stark and Associates located in North Carolina. I live in California so I have no idea why a company in North Carolina would be trying to contact me. This sounds extremely sketchy, abusive and harrasement. I do believe even if its some sort of old debt which I am unaware of *I have really good credit and don't have any outstanding debt* this is illegal in my State.
I have a health savings card through my employer. I had ordered some vitamins online, two products, and have the receipts for {$4.00} each. My health savings card was charged 4 times, 2 at {$69.00} and 2 at {$79.00}. I went to the bank that my employer uses for our XXXX account, filed a dispute, and they denied it. They did not ask any questions, just went by what the people who charged my card without authorization from me told them. I do not see how this should be allowed and not be taken care of by the people who I put my trust into, our bank. Our bank is Great Western Bank, and I talked with their acting manager, XXXX, at XXXX. I am furious over this. {$300.00} stolen from me and they will do nothing
This is a follow-up complaint to my previous submission, Case number XXXX. The previous submission involved a {$5700.00} " Ghost Loan Fragment '' that kept appearing on the larger of my XXXX HELOC loans with BMO Harris Bank. This XXXX problem was resolved by human intervention of the local Branch Manager, who effectively " zeroed-out '' the loan to show a true {$0.00} principal balance. I received XXXX letters via regular mail from BMO Harris regarding this issue. NOW, however, I am faced with ANOTHER Principal & Interest pay-down issue with my smaller HELOC that still carries a balance! Just yesterday ( Tues., XXXX XXXX, 2015 ), I went to my local bank branch and wrote out XXXX separate checks : a principal payment check of {$850.00}, and an interest-payment check of {$25.00}. After submitting these to the bank teller, I asked for a printed ACCOUNT INQUIRY. To my dismay, the CURRENT PRINCIPAL balance showed a reduction from the previous balance of {$24000.00}, to a new principal balance of {$23000.00}! And the CURRENT INTEREST was still held at {$25.00}! Therefore, a basic accounting error was made by BMO Harris! Instead of applying the directed {$25.00} to the interest, they erroneously applied ALL of the payment to the principal! 
Thoroughly disgusted, I immediately asked the teller to check, who then referred me to the Chief Teller. " Everything was coded correctly [ regarding P & I payments ], on our Front End, '' the Chief Teller told me. " This must have happened in THE BACK ROOM! So, we know nothing about this! '' THIS IS A MAJOR PROBLEM FOR THIS BANK! NO ONE SEEMS TO KNOW WHAT HAPPENS REGARDING YOUR P & I LOAN PAYMENTS! EVEN WORSE, THEY TELL ME THAT THERE IS NO LOAN DEPARTMENT, PER SE! THEREFORE, THERE IS NO ONE TO WHOM THE CONSUMER CAN COMPLAIN, WHO KNOWS THE ANSWERS! 
I then asked to see the Bank Manager ( the XXXX who had zeroed-out my XXXX HELOC balance ). I showed her the check intended for interest payment, and she walked back to the Teller area. She ( XXXX XXXX, Bank Manager ) soonreturned, bringing with her XXXX XXXX ( Market Manager ). XXXX XXXX complained that XXXX XXXX had to " break our Protocol '' in order to correct and remove the previous {$5700.00} " Ghost Loan Fragment, '' and that she really should n't have done that! As regards my current dilemma, he said ( incorrectly ) that my current interest was even owed! Instead, the amount paid mysteriously appeared in the PAYOFF section of the ACCOUNT INQUIRY. Very disturbed, I pointed out to him that the Bank 's ACCOUNT INQUIRY was INTERNALLY INCONSISTENT! I told him that there was very little accountability and way too much oblique " blame-passing '' to their mysterious BACK ROOM for loans! He replied that it would take hundreds of thousands of dollars to correct their system! Thus, I asked XXXX XXXX the name and phone number of the person above him. It was XXXX XXXX, Regional President. I phoned her office that very afternoon. She was away on business, so I gave a detailed description of the problem to her Assistant - - XXXX XXXX. I also gave her my home phone number. As of now, no return call to me has been made.
On XX/XX/XXXX, Midland Funding somehow filed a judgment against me for a debt it claimed had originally been a XXXX credit card. However, I was never served with any court documents, nor was I given a chance to validate the debt or provide any input on this decision. The judgment was just all of a sudden on my credit report. When I discovered what had happened, I sent a letter requesting validation of the debt ; however, I never received any response to my request. I am now planning to file a request to vacate the judgment as my credit report shows that at the time this judgment was filed, the statute of limitations had expired on the XXXX debt, which Midland Funding claimed to have the right to collect. According to my XXXX credit report, there is no record of any payments having been made in XX/XX/XXXX until the present. In addition, the debt was declared as a charge-off in XX/XX/XXXX, which does not happen until a debt is seriously delinquent. It is against the law for a debt collector to pursue legal action for a debt that is time barred ; therefore, this judgment needs to be removed from the public records and from my credit report, or I will take further legal action. Midland Funding is in violation of the Fair Debt Collection and Practices Act.
In XX/XX/XXXX I graduated XXXX and was accepted in to XXXX XXXX in XXXX Arkansas. At that time I applied for a private student loan through XXXX XXXX, now Navient. My co-signer was a friends dad who is a XXXX year old retiree. I have the documents to prove that loan exists. My complaint is there was another private loan which was taken out the next year in which I am paying for now but no one remembers applying for and I do not have the documents for. Now I have {$150000.00} in student debt, which XXXX is private and I only have 3 months of deferment left. I am on a 25 year repayment plan paying $ XXXX/month for the private loans and $ XXXX/month for my federal loans equaling {$1200.00} per month in student loans, which takes all of my income per month. I would like the CFPB to look into the private loans to see where the second loan came from, were any predatory lending practices committed, and if any of my loans can be forgiven. I would deeply applicate any help because I had no idea what I was getting myself into when I was XXXX, I was just trying to go to college.
Since our XXXX XXXX away we have been attempting to seek assistance from SLS in order to avoid foreclosure on our family home.we have applied to SLS for mortgage modification, deed in lieu and short sale multiple times.We recently requested the dollar amount to reinstate the loan.In a letter from SLS dated XX/XX/XXXX the amount of payments due through XX/XX/XXXX7 was {$79000.00} plus legal fees of {$1000.00} and corporate advances of {$3100.00} for a total of $ XXXXIn a letter from SLS dated XX/XX/XXXX the amount of payments due through XX/XX/XXXX was {$79000.00} plus legal fees of {$210.00} and corporate advances of {$3100.00} for a total of {$82000.00}. 
How can that amount be less than one week earlier? 
How much of the {$79000.00} is allocated to principal, interest and escrows? 
How can SLS charge twice for principal payments? 
The language " the amount of payments due through such and such a date is confusing to us in that it appears as though SLS is attempting to illegally profit from our mothers estate by inflating and or muddleing the dollar amount to reinstate.
On XXXX XXXX I requested my XXXX free credit reports from this website and I was not able to get a report from Transunion. I was able to get XXXX and XXXX but not XXXX. After 2 days of calling I still am not able to access my Transunion report, the agency will not provide a digital copy and I have an already existing issue of mail fraud at my residence. It has been 5 days and I am still not able to access my credit report and after several phone calls the customer service is unable to do anything. Effectively I am locked out of my Transunion credit report, unable to correct errors, which there has been on my other XXXX reports, or access my report by any other means other than regular mail. If mail is the only means of getting my report then there will not be any ways to correct the report, which is n't verifiable. I want to access my report online just like I did for the other ones. I have called XXXX different times and spoke to multiple reps that bounce me around and do not help or hang up.
I had to finance a broken A/C in the summer of XXXX using a Wells Fargo XXXX XXXX card. At the time I setup the card, I elected for paperless billing which in this case, involved the bank posting a PDF of the bill on their website. I also setup online bill pay to pay the minimum amount with a plan to pay off the card before the interest free promotional period. I made an error in my calculations and did not attempt to pay the balance until XX/XX/XXXX, as it turns out, a little over a month from when the period expired on XX/XX/XXXX. I was charged the interest for the promotional period. I contacted the bank on XX/XX/XXXX to see if they could remove the interest as their paperless billing option obfuscated the warnings for the promotional period running out ( they print it on the back page of the bill they post online ). While I acknowledge my responsibility to understand my terms, I think Wells Fargo hides the appropriate information.
Wells Fargo is stating that they did not receive my mortgage payments for 4 months which I learned this new information on XXXX XXXX late that evening and that my house was in foreclosure. My last payment was on XXXX XXXX of 2016 and when I called to check on my payments they said everything was fine. On the XXXX XXXX When I found out that they had a place my house in foreclosure right after making my payments. Now I am presently being investagated by Wells Fargo for their mistakes. Which they have change the resolution dates for their findings three times and it 's XXXX XXXX. They are refusing to deal with me and advised me to contact you all after a disagreement. They are saying that all long they had the wrong account number but in XXXX they used the same account number save XXXX which they got their payments. I have not received any notices that they had this problem nor my house was going in foreclosure until 6 days later after making my house payments. Please help me..
I just lost my XXXX job and I am right now struggle to pay back of what I own. I have talked to them several time to make the agreement to lower the payments. But however, they had refused to find the solutions or working with other way. They kept the same way by paying the interest of the loans. I have explain to them several time that I can not pay full amount.
Due to a system upgrade, according to the company, my monthly statement has not been accurate since XXXX. I have called every month due to my statement showing a past due amount even though I pay more than the payment amount every month. Every month I am told a new story ; from system issues due to the upgrade, to it has been corrected but your account must have slipped through the crack, to I have opened a ticket to have your account corrected, to this month it is still not accurate due to their system issues have not been resolved. I have had my car for 9 months and my statements have been inaccurate for 5 months. I am only able to access 3 months of statements from my online account. Every time I call, I am told that the amount I am paying monthly is correct and to disregard the past due amount.