WillisBack/dataset-financial-user-claim huggingface dataset:
I have been dealing with STUART-LIPPMAN & ASSOCIATE INC, I  sent a debt validation letter on to them certified mail return receipt on XX/XX/XXXX, and never received any response from them. They received the certified letter on Monday, XX/XX/XXXX. As you can see in my letter I have asked for validation, bearing my signature, showing that I have or ever had some contractual obligation to pay Stuart-Lippman & Associate , Inc. This negative mark found on my credit report from this company is a violation of the FCRA & FDCPA. I never received the paperwork as asked. I have asked XXXX to validate the debt bearing my signature and ask for a method of verification, and still nothing. Yet every month it is on my credit report paid was a collection. This debt is not valid or have been validated bearing my signature, and should not be on my credit report. If STUART-LIPPMAN & ASSOCIATE INC can not provide all the validation this account MUST be DELETED. XXXX deleted the account as they found there was no validation of the account. This account was closed XX/XX/XXXX Also, reporting a debt to the credit reporting agency, XXXX that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ),  and carries a fine to be paid to me.
I made two extra payments for {$2000.00} and {$2100.00} to my car loan ( # XXXX ) with Ally on XX/XX/XXXX and XX/XX/XXXX respectively. When the payments posted to my account Ally charged me interest for each one. 

On XX/XX/XXXX I contacted XXXX separate Ally representatives ( XXXX and XXXX ) via Ally 's account chat feature to request that the extra payments be applied to principal only. The reps said they would apply the total amounts to principal. The XXXX representatives stated that any future extra payments that I want to make to principal only can be accomplished if I make a request after the payment by phone or chat and then they would adjust the payment to apply to principal only ( chat sessions attached ). 

On XX/XX/XXXX I viewed my account to make sure Ally had applied the extra payments to principal but instead they had added XXXX confusing transactions to my account and I could not determine if the amounts were applied to principal. Furthermore, there is no itemization on my account which shows how each of the transactions affected the principal amount. 

On XX/XX/XXXX I telephoned Ally and spoke to XXXX ( refused last name ) and she avoided my question multiple times when I asked her to explain why they created the XXXX additional confusing transactions for just XXXX payment adjustments. The descriptions for the transaction types vary greatly and they make no sense considering I only asked for XXXX simple payment adjustments. They include " online payment reversal, '' " unpaid balance reduction, '' " payment for check reversed, '' and " insurance payment. '' I then noticed that one of the interest charges ( {$3.00} ), for one of the extra payments, was credited and debited 5 times but in the end it was not reversed. XXXX, contradicting what the other XXXX reps told me, said Ally only applies extra payments to future payments, applies daily interest to the extra payment, which pushes back my payment due date. XXXX said that even if I request the extra payments be applied as principal only, interest will still be charged despite what the other XXXX reps told me. 

All the above actions by Ally are just a tactic to optimize the interest they earn on car loans. Furthermore, for XXXX Ally representatives to say principal only payments can occur and a third that says they ca n't is very suspicious.
Company is alleging that my XXXX bill was sent to them for collection and that I owe them {$130.00}. I do not owe XXXX anything as I moved out of the apartment.
I just learned that I have an account in collections with this company. I do not have an account number or any other identifying information since I have not received any contact from this company. They are collecting on behalf of XXXX XXXX XXXX, an apartment complex that I no longer reside at. My family left XXXX XXXX on bad terms and they charged us for a number of items which we disputed but to no avail. In the end we sent a check to the company and we heard nothing further so we assumed there was no further action needed. We have n't received any dunning notice, verification of debt, notice to dispute from Ideal Collections Services therefore we were n't able to dispute the debt or even request verification. When I contacted the company I was told that because I do n't have an account number they would not be able to look into it but that they would " continue to pursue me '' for the debt and " most likely '' we will be sued. Threats and other improper communication tactics being used are violating my rights as a consumer.
I received 3 letters from TransUnion Credit monitoring membership dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. First letter dated XX/XX/XXXX states that on this same date XX/XX/XXXX the following changes appeared in my credit file : Major Derogatory from Creditor XXXX XXXX in the amount XXXX ( new medical collection ). 

Soon after receiving this information I submitted Dispute Letters to ( TransUnion, XXXX, & XXXX ) with the above derogatory account information on it that was given to me from TransUnion. 

I received a response from TransUnion dated XX/XX/XXXX(  less then 10 days of me quickly responding to this report ) stating RE : Unable to Locate Credit Report dispute Request. 

I submitted another Dispute Letter only to receive a TransUnion response dated XX/XX/XXXX RE : Dispute Status ... .Based on the information provided to TransUnion , our records show that the information you disputed does not currently appear on your TransUnion credit report. 

The certified letters that I submitted to the credit bureaus were sent expediently and most importantly I am using the same data that can be found on my current status credit report and the information that I received from TransUnion credit monitoring. 

I clearly monitor my credit report very closely and I went from XXXX to XXXX ... 33points dropped and now XXXX  dropped another 7 points! I work very hard to get where I am at. 

So how can I have a 33 and now 40 points dropped for the ( only ) negative thing on my credit report in which TransUnion and XXXX   now say does not exist or can not be found? When it is on my credit reports. All 3 of the bureaus has the same information I am rightfully disputing and all 3 credit bureaus : TransUnion, XXXX  and XXXX  each received a letter from me disputing this account and asking for validation.
1ST : MY BALANCE IS PAID OFF TO XXXX : WHY DOES IT STILL SHOW $ XXXX BALANCE? 

2ND : I ASKED TO HAVE MY WIFE REMOVED OFF THE ACCT AS WELL OFF THE CREDIT REPORTS, WHY HAS IT HAS NOT HAPPEN? XXXX XXXX ss # XXXX. 

Acct # XXXX
In XXXX of this year I started to receive letters from the mortgage company stating that I was in default on my loan and the terms of the re modification agreement ( Which I can add the scans to this later ). I contacted them to find out how the funds that they had received that I had been sending since XXXX and them placing them in a suspense account were being used because there was a charge of almost a loan payment from the first foreclosure the company tried to initiate ( which my understanding of the HAMP ) they are not supposed to be doing that. So when I noticed it on the bill I contacted them and was informed by an agent of their customer service that the amount I was inquiring about could be paid then or at the end of the loan. So it was not paid because I informed him I would rather it be placed at the end and he stated that was fine. Since XXXX since full payment was not sent on the XXXX even though the contract is supposed to allow me til the XXXX to pay before it is late, these funds were placed in the suspense account. Well in XXXX I started receiving mail stating that I had until XXXX to make a payment of around {$1700.00} or they would start foreclosure proceedings I have contacted them several times via email and have read receipts requesting a break down because the money that to total was placed in the suspense account by them should have at least covered until XXXX given my math, not XXXX like they claim. But they refuse to send any communication through email even though I have authorized them to and they refuse to send the requested information, even though they will send " Service Members Assistance letters '', threat letters to cure the debt, bill statements, suspense account letters, etc. And the reason I ask for the breakdown is because even on their site it does not show the breakdown or what is/was in the suspense account or even have a way for you to see the suspense account. Now they send another letter yesterday contradicting the first stating that I have until XXXX/XXXX/2016 to pay the XXXX they claim I owe or they will proceed with the foreclosure. This company was made well aware before the new modification was made that I no longer received the Social Security Income I did when I took out the original mortgage which is why the due date was for the XXXX of the month with 15 day grace period, but ignored that and any attempt I try to inform them of what is going on. Their modifications are based on income but not things that affect income such as government debt you have to pay back etc. This is a predatory lender and something needs to be done against them before I or hundreds of others lose their home because of this companies illegal HAMP actions, lack of record keeping, lack of providing customers necessary information, etc.
The was a loan on my account from XXXX XXXX that has incorrect terms that was never verified by Transunion, therefore the account was deleted from my credit file. However, it was re added without any notice, justification, or how the investigation was completed. XXXX XXXX was to submit documents on XX/XX/2017 to the credit agency to update my file of when the account should be removed. XXXX has n't honored the new terms from XXXX that are attached. My file has n't been updated to show accurate information about my credit history. I am requesting my credit file be updated to show the correct information or deleted in regards outlined in the FCRA.
Equifax obviously lost my data and in the process gave a misleading website designed to get people to forfeit their ability to complain about this terrible breach, under the guise of checking your " status ''.
I recieved a letter in mid XX/XX/XXXX ( Dated XX/XX/XXXX ) from a debt collection comapny named I.C. System Inc ( XXXX. XXXX XXXX, XXXX XXXX, MN XXXX ) stating that I owed {$100.00} to from a debt owed to XXXX. I have never had XXXX service for anything ( phone, internet, tv ). I had when I was originally buying my new home in Maryland ( I signed the paperwork in XX/XX/XXXX, however I did not move into it until XX/XX/XXXXas I was on military orders in FL until XX/XX/XXXX ) looked into getting XXXX service, and provided XXXX some basic information in order to get pricing infomration for my area. I however went with XXXX XXXX service rather than XXXX and never had XXXX service hooked up. At one point several months after having moved into my new home ( possibly XX/XX/XXXX timeframe ) recieved a bill from XXXX. I called XXXX and was able to talk to a customer service representative who confirmed that I never utilized the service and removed my account from their system. I believed at the time that this had resolved the issue, until I recieved the letter from I.C.  System. I immediately called I.C. System to attempt to resolve the issue. Their customer service represntative told me that the collection account would be placed in a disputed status and that I would have to send in proof to show that I did not have any XXXX services at my home. I did this ( original documents sent to I.C. Systems are included as an atttachment to this complaint - updated to show that I have continued to utilize the same services ) and did not hear anything back from either XXXX, nor I.C. Systems so I considered the issue resolved once again. That was until I saw my credit score drop drastically last month and was very concerned about this especially due to the recent XXXX leaks, as well as the fact that I am in the XXXX and XXXX had my information at the time they expeirenced a massive data breach as well. I keep a tight eye on my finances and do not like to have deragotry marks on my record especially when I have attempted twice now to resolve this issue. The proof I provided is substantial as it coverd the entire timeframe that I had been in this new home ( I moved into the home in XX/XX/XXXX ). Prior to that I was on XXXX XXXX XXXX to XXXX FL at XXXX XXXX. I would like to resolve this issue as quickly as possible as I was planning on buying a new car near the end of the year for my wife and the massive hit to my credit report for a debt that I am in no way responsible for is not something that I would like to have on my record. Please let me know if there is anything you need from me in order to expedite this result.
I have been a customer of Citibank for over 16 years. Within the past two years, the Bank began to sneakily begin charging me a {$25.00} service fee every month. Despite never having had to pay this fee before, they began charging it to me without my knowledge or notification. I called today about the fee, and it was clear that this was instituted to catch people like me off-guard, as I was able to move, without any difference in service, to a free account. They were only willing to reimburse me for three months of the fees, however, despite the fact that I have paid more than 10 of such feed.
After graduating in XXXX XXXX from XXXX, my loans far exceeded the amount listed for monthly payment. I attempted to file for Income Based Repayment, online but the website would not allow me to bypass a specific page to file my information. I even attempted to send my information via mail on two occasions only to hear from Navient/XXXX that " they did not receive the paperwork. '' During the period of time from XXXX I was continually pushed into forbearance by each Navient/XXXX rep, on multiple occasions being told that no money would be added to my principal at the time. In XXXX, I finally realized how much capitalized interested had been added to my loans and paid them down immediately. As I have worked to pay them down further throughout this year ( XXXX ) I 've noticed that XXXX of the XXXX loans I have paid off in full over 3 months ago do not reflect as such on my account. I hope that all involved are tried and prosecuted. Put me on the stand!
In XXXX of 2010 my mother in law passed away still owing a mortgage on her house. The house was left in a trust, the beneficiary being her son, my husband. 

For the last 8 years we've struggled to communicate with the mortgage company because we're not 'authorized ' to speak on behalf of the mortgage. We make the payments and claim the mortgage interest and real estate taxes every year. 

My husband is on the deed. After my mother in law passed away the attorney filed a new deed with his name with the county. 

We've faxed the trust, the death certificate and a copy of the deed to the mortgage company and again to the company who took over servicing the loan. 

They will not talk to us. Still. After reviewing all the documents. They will not discharge my deceased mother in law so we can refinance the house in our names. It's been 8 years. I'm tired of fighting with them. 

Every month they send someone to the house to take a picture of it and make contact with us to ensure someone is living in the home. 

They refuse to tell us why. 

Can you help? 

Clearly we have demonstrated an interest in the property, we've paid for it for the last 8 years and my husband 's name is on the deed. 

They keep saying they need a fiduciary statement. The registry of deeds and our lawyer said because the house was in a trust it never had to go to probate, therefore a fiduciary statement will never exist. 

They are making this impossible. 

What options do we have?
On XX/XX/2017 I found on XXXX good offer for high quality XXXX. I contacted the company and received much higher price, but I accepted this offer. After I received invoice on XX/XX/XXXX, I paid by wire transfer $ XXXX kilogram plus {$50.00} for shipping. However, when I received this package it weight total only XXXX grams, and inside envelope weight XXXX grams. inside are documents with information that they send XXXX grams silica powder. I complained it, and they send me email that I received what I paid. 
After that I searched on Internet and found that many people where cheated by them. 
On XX/XX/XXXX, I was in Chase bank and asked for help. The banker opened claim number : XXXX and promised me that they will act in this case and will try to reverse my money within about three days. Unfortunately, to this day did nothing in this cheat.
In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted XXXX XXXX AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off my credit report.
I began calling the company several times in the weeks leading up to the end of the lease. I requested a payoff amount so that I could purchase the car outright. I was told that I would receive the information in the mail. It took at least 10 calls to get someone to give me even a ballpark figure to pay the car off. I finally  could not wait any longer, as my lease was expiring at the end of XXXX, so I sent a check for around {$17000.00}, a figure I came to based on payments through the years. This meant that I paid over {$30000.00} total for a car whose value is around {$16000.00}. Yet the only thing I received was telephone calls from XXXX of XXXX telling me that, since I was a " loyal '' customer, I could turn the car in and get another leased car. This was not what I wanted. I never received any kind of receipt for the {$17000.00}, but the calls from XXXX of XXXX did stop at my request. Since then, I have called Toyota Financial and have been told that documentation for my payoff were sent to me, XXXX at the wrong address ) but were returned to them. They said it is against their policy to send them again, even though they have my correct address. It is the same address I have been using to pay them every month. 
I NEED the documentation that the car was paid off in order to change the title from XXXX of XXXX being the owner of the car. 
The last time I called, I talked to someone on XX/XX/XXXX, and told her to please send me the documentation that my car was paid off, the DMV was notified, and that all fees were paid in order for me to own the car. She did not speak enough English and the telephone connection was very bad, so she hung up before giving me any indication that the documentation would be sent to me.
" XXXX '' communications shared my personal information to a collection agency named " Eastern Account Systems '' to collect on a past due debt that was n't even mine. The only thing this other person had in common with me was my last name! This seemed to be a " Phishing '' attempt to pay a " past due '' bill. And that " XXXX '' released my information without my consent or for " Just Cause '' .I believe that both companies involved behaved in an unprofessional manner.
XXXX XXXX has sent an invoice from XXXX XXXX XXXX which has several charges that are duplicates or over charges for the same procedures. They seem to be padding their bill, on top of the fact that it was never sent to my address. It also clearly lacks any signature by me. Furthermore, it clearly does not disclose that I am in any way liable for the billing or was ever made aware that I would be. After further investigation on my part, I have found that ; since I never asked for credit from XXXX XXXX XXXX and never contracted to pay them, they have no right to act as though I did! This means they have no right to place it in Collections or place it on my credit reports. In Texas they must have written, contractual, signed permission to inquire of my credit report and to post to it. Further, they have yet to prove they ever sent me a notice, as I have stated numerous times before. In Eastern 's reply to my last complaint, they admitted as much when they claimed they had sent notice twice and made no reference to XXXX 's having done so and on which dates. Never the less, none were ever sent to me.
I went to Wells Fargo Bank to wire my mortgage payment and gave the teller all the correct information, but the teller instead of sending my money to my mortgage company she deposited into a Well Fargo Bank account that has the same account number as my mortgage company. Went back to Wells Fargo and explained that my money wasn't received by my mortgage company and Well Fargo tells me that the money was deposited into one of there account and that there was no way to retrieve my money and that if I wanted it back i would have to sue Wells Fargo. It was {$2500.00} and they say that they can't get in touch with their account holder nor will they give me the information of the account holder per the privacy act. This is just another example of how corrupt of a bank that Wells Fargo is. I've been fighting this with them over a year to no avail. Please help. I found out that they can retrieve my money back but won't. I even spoke with a executive at Wells Fargo Executive office and they told me the same thing.
I 've applied to the Department of Education for a Student Loan Discharge based on False Certification - Disqualifying Status, as outlined in 34 CFR 685.215. They have denied me four times, citing a reason that is not supported in law. I have met the eligibility requirements to have my student loan discharged, but they are unwilling to do so since they are the holders of the debt. I am attempting to seek relief. Keep in mind, that the only reason they can come up with to deny my application is one that is specifically not included in the law. This is testament to how strong my application is.
I have requested in writing on 3 different occasions to not be called at work, as I am NOT allowed to make or receive personal calls at the office. They keep calling, and left a message with my supervisor. I do not wish to be fired because of these practices and have already been warned by my supervisor to not make or receive personal calls.
I have asked Focus Financial Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Repeatedly calling my federally issued XXXX number for a XXXX saying that its my final notice, this has been recorded, ect ect.