WillisBack/dataset-financial-user-claim huggingface dataset:
I had requested from Credit management Company to provide me with legal validation on the alleged claims that they claim I owe and had requested that they provide me proof of there ownership of this account. I had also request a copy of a signed authorization by me with the alleged original creditor to release my personal private information and the contract that I had with Credit management Company. I made this request in writing sent via certified mail return receipt to Credit management. to this date I have received no response from the company only that XXXX states they have verified the debt. I had request from XXXX the information the method of verification and the Supervisor stated that it is not kept on file it is electronic. I have also disputed these account to which I have no account numbers for only a dollar amount of XXXX and XXXX with all three of the CRA XXXX and XXXX  have removed as unverified but they are continuing to report to XXXX. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I demand these items be removed from my XXXX   credit file.
XXXX previously reported this debt and It was removed from my credit report after communication with the credit bureaus with my police report and identity theft report. 

I responded to ERC 's original letter to collect the debt and let them know this has already been disputed and the original creditor should not be selling this debt as they have received all the required documents for the identity theft. They continued to list the debt on my credit report. This is the last attempt to have the debt removed.
i have a debt on my XXXX  credit report that expired on XXXX of XXXX for the amount of {$610.00} that i asked simons agency  of XXXX XXXX XXXX XXXX ny XXXX to be removed from my credit report. i disputed this with XXXX and they told me it was up to simons agency to remove this. i talked to XXXX XXXX over at the simons agency this morning XX/XX/XXXX and he told me simons would not be responsible for removal from my credit report. i have explained in several calls and through written letters that this debt is past the statute of limitations and debt reporting in new youk state but to no avail. simons will also not offer better terms of negotiation on former debts and is still trying to collect on debts that are more than 7 years old.
The medical bill owed does not belong to XXXX XXXX. The debt is a hopital bill that belongs to XXXX Hospital. This bill was reported to, XXXX didffrent agencies meaning that I would have to pay double for one bill that was reported twice.
I am a XXXX person with a modification in place w where the UPB has been paid in full and with no prepayment penalty and 0 % interest on deferred principal balance. payments of {$1600.00} and {$1500.00} there on. With intent to foreclose, Ocwen chareged a unwanted appraisal fee of {$110.00}, refused payments sent, sent delinquency notices, kept escrow account in red, loan in past due status and charging a 1 % not applicable as principal deferred is 0 % interest. statement dated XX/XX/2018 show last activity from XX/XX/XXXX to XX/XX/18 with a deferred principal balance of {$100000.00}. with XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments of {$1500.00} deferred principal balance should reflect {$94000.00} as correct principal deferred balance.
Sent mutliple letters and faxes to company as means for debt verification and have not been given a response back from them.     Company however is attempting to sue me.
I made complaints with PNC Bank about my XXXX account that transactions on my account were not being processed at the point of sale and I was not able to manage my finances properly. I received explanations over the phone that were not the same explanations each time I spoke to a different person. I attempted to close the account this month when XXXX transactions were adjusted in my account, which are evidence of my complaints throughout the past 6 months and I also complained PNC was retaliating against me for bringing up my PNC related issues.
I am enrolled in automatic payments so that I can avoid late charges on my account. During a special low APR period I chose to make the minimum payment on my card because there would be no interest. Now that the trial APR period is over, I wish to make payments in a higher amount than the minimum, but not the entire balance. The online auto payment only gives the  two o ptions : minimum payment and full balance. I feel this is unfair to the consumer, encouraging the minimum payments on the credit card, costing the consumer the maximum amount. I have many accounts that allow a different amount than the minimum or entire balance. I calculate how many billing cycles will be needed to pay the balance and figure the monthly payment. They refused to change the online option and I was told this was standard for all their credit cards. I told them I would be filing a complaint with consumer finance. I feel this is set up for them to make more money and they could easily make this change for their online customers. Auto pay has saved my credit because I am never late on payments. However I also have good credit because I never make minimum payments on high interest credit cards.
Earlier this year, I was pre-approved for a USDA home loan through Allen Tate Mortgage. After providing verification of income, college transcripts, identification records, tax forms, etc. I went under contract on a home and began the process of paying for due diligence and home appraisal. I was then informed about two weeks before my closing date that my loan had been declined ( after paying out close to {$900.00} ). My income, credit score, and other factors all met guidelines for this loan.
XXXX XXXX XXXX , XXXX. ( THIS IS NOT MY ACCOUNT ) Last reported : XX/XX/XXXX - {$1300.00} Needs Attention Overview You've paid off -60 % of your collection amount. 

Balance {$1300.00} Highest Balance {$850.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX   XXXX XXXX
I had previously spoken to company about a payment, informed them that I was going to have to make the payment late due to pay cycle. Asked not to contact me. Contacted me next day, first day of late payment, told them to cease comm. supervisor assured me of cease com status and that no more calls would be made. 5 months later started receiving 3 calls daily about late payment. answered on third day. In call supervisor informed me that account was in fact notated to not call. 

Do not know how my acct would show up if account is notated with no call notice. 

No cease comm letter was formally written to company, but no respect to consumers wishes were taken after verbal verification of cease comm either.
It has now been more than a year that I have no information on my mortgage account. Seterus has systematically refused to send me any information on my mortgage account for more than a year now. They have also shut me off any online access. I spoke with them at least 3 times in the past year. They responded that they needed to receive a " reaffirmation of debt '' from my ( bankruptcy ) lawyer. Even though my mortgage was never part of the bankruptcy, my lawyer still faxed them a Revocation of Legal Representation letter XX/XX/XXXX. This did not change anything. I am still barred from my account. I am not even sure how much I am supposed to pay monthly. Since XX/XX/XXXX I am paying {$540.00}. Is that still the monthly payment 2 years later? I do not know. Twice, I spoke with Seterus Customer Service, the last time XX/XX/XXXX. They promised me access to my account online, but it turned out to be a lie. I then filed a complaint with the XXXX. They responded they had contacted my lawyer but it was another lie.
I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status.  Why would it go to charge off, after I paid the balance to XXXX? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 ) XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX XXXX  on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.
I found an unauthorized credit card account, opened XXXX XXXX, on my credit report. It was opened in a town, over a XXXX miles away, that I lived in over five years ago. There were no charges on the account. 

I reported it to Equifax , on XXXX XXXX. Just yesterday, XXXX XXXX, I received their confirmation of dispute completion ; and they claim that they have have verified that it is indeed my account. Now, there are {$240.00} of charges on that card.
Today I received XXXX more phone calls from Chase Card Services. I submitted a complaint yesterday regarding the calls. Again today I had to explain when I was making the payment which should have already been in the notes. I am currently unemployed, when that happened I immediately notified them of my current change in employment status. Before my unemployment, I had a great payment history with them, as this is what I was told by the representative. I am currently enrolled in a training course that goes from XXXX to XXXX, Monday-Friday, and as a result, I can not answer my phone. But why should I if my status has not changed. They state that they will contact you every 5 to 7 days. I a representative today the exact same thing that I had told a previous representative at Chase Card Services. I am very frustrated and fill that this is harassment. When I mentioned this to the representative, she stated we have called you, but we did not speak with you XXXX times. It does n't matter. I have informed them of my efforts to make a payment, when I would make a payment and how much. I have just told another representative the same thing this evening. XXXX from XXXX, XXXX, XXXX, and the last time is was contacted was at XXXX all from XXXX, Chase Card Services .
I originally received a mortgage loan from  XXXX   XXXX  and they then sold the loan t o Penny Mac . At the time that I received a mortgage loan from  XXXX   XXXX , my new home appraised for  XXXX . The home was sold to us for  XXXX  and we put about  60000  down. Therefore, based on the appraised value, we were starting off with a loan-to-value ratio of a bout 0.68. N evertheless, when my loan was sold from  XXXX    XXXX   t o Penny Mac, I should  not have had to pay for Private Mortgage Insurance ( PMI ) seeing that I already had a n LTV of 0.78. Penny Mac has said that I need to pay for another appraisal or a buyer 's purchase opinion in order to remove the PMI from my account. My appraisal is a little over 4 months old and Penny Mac insists that the appraisal that I have be 90 days old or less.
In XX/XX/2018 I closed all of my accounts with XXXX XXXX including my XXXX card with TD Bank. When the XXXX account was closed there was no balance on the account. Since the account is closed, I have no access to the account. TD Bank has not been sending me statements. On XX/XX/XXXX I received a letter from TD Bank indicating my credit card account was past due. I called the number on the letter and asked if the TD Bank account was closed and I was told the status is closed. After about half an hour I was connected to a supervisor. She indicated that a charge was made to the account on XX/XX/2018 in the amount of {$190.00}. A second charge was made to the account on XX/XX/2018 in the amount of {$24.00}. The supervisor said she would waive the late fee and interest but I was still responsible for the charges. She said that TD Bank was required to accept the charges because I had done business with these merchants in the past and they had the account information including the expiration date which I have on my records as XX/XX/2018. Neither of these merchants contacted me about an additional purchase. If they had I would have given them a current account number that is active if they were selling something that I wanted. I never authorized a charge on a closed account. Its my understanding that once an account is closed and has no balance, no additional transactions are permitted on the account. Is TD Bank permitted to accept charges on an account with no balance that I closed after the account expiration date just because someone has the account number and expiration date?
I leased a vehicle through Ally Financial, made all the required lease payments and turned in the car two months early, fulfilling my lease obligation. I then receive a letter from All saying I owe {$38000.00} as a " Gross Early Termination Amount '' so I immediately called them. Ally stated this letter was the standard/generic letter that goes out when a customer returns a vehicle and not to worry. I called a month later to follow-up on my final billing. Ally is telling me they ca n't issue a final billing until the car has been sold at auction. I have extensive experience with leasing vehicles, however always with XXXX XXXX XXXX who treats their customers like gold, and never with Ally. This policy of Ally 's seems to be illegal and I will never use them again.
I have a Dick 's Sporting Goods Card. I have been very good about making payments on time. Recently I had a payment returned because I supposedly had insufficient funds. My bank must have made some kind of mistake. I know there were funds in my account. The Dick 's Sporting Goods card people are not being very helpful in resolving the manner. I want to get the account reopened and I am begging for your help in resolving the manner.
I receive a workers compensation check that is drawn on Wells Fargo, which is were my checking account is. 
Mind you I could sign the check and cash with no problem, but when I put check in my account they lock up the funds for XXXX days before they release anything. 
It like they deliberately want to hold on to my funds so they can charge for overdrafts and make interest.
I had a charge of account that I disputed on my Experian credit report as being obsolete as it had been 7 years since the DoFD, instead of removing the account they re-aged it, and not I am not able to dispute the account online as Experian 's online dispute keeps saying it can not honor my request. I have contacted Experian about this issue multiple times with no resolution nor any explanation. Previous to this I never had an issue using Experian 's online dispute option. If you can get them to explain why I can no longer utilize their online disputing options, even with a purchased report number from them, the only way their CSR said I could dispute, making me spend more money for it to still not work, that would be great. Also the XXXX account needs to be removed from my credit report as it still states it is a charge off account but now will not be removed until 2023. These CRA 's need to follow the laws put forth by the CFPB for accurate credit reporting as the only one that seems to have an accurate report for me is XXXX. My XXXX report is all screwed up, yet they still will not fix it, even after countless complaints through the CFPB, who I was under the impression, was supposed to advocate for the consumer when these huge companies do n't do anything about the customers complaints.
Dear Flagship  Credit Acceptance Corporation :  I have been an account holder sin ce 2014  and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I hav e two late p ayments on the above referenced account that date back  to 2014    since that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the las t two  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on   XXXX   XXXX   my last month of   XXXX  no  pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope tha t Flagship Credit Acceptance is willing to work with m e on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers. Flagship has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.      May Flagsh  ip  please remove all negative remarks off my credit report. In good faith.       Sincerely,
I have been called dozens of times for someone named XXXX over the last several years. I have explained repeatedly that I have never known this person and been assured our number would be removed. 

Recently associates of Delta Management Associatiates of Massachusetts and Arizona have been placing robo calls from various local numbers several times a day and leaving messages stating that a failure to return calls is an affirmation that XXXX is at this number. 

Today I talked to someone named XXXX XXXX@XXXX ext XXXX. Once again I was given assurances that my number would be removed. I cant believe it will at this point.
I fell behind on my mortgage XX/XX/2009. I spoke with my lender, Bank of America and they instructed me to send {$1400.00} overnight to prevent foreclosure, which I did. I was told that this would bring me up to date and that they would respond with the next steps to take. Two months later they sent the money back and told me that it was a miscommunication and that they were going to foreclose anyway. I made attempts over the next 3 years to work with Bank of America but they refused to take any payments stating they would only accept the full balance, or they would proceed with the foreclose. 
Eventually I beat them back in court in the XXXX Judicial Circuit of Illinois and forced them to modify the loan. A {$2000.00} settlement payment followed from Bank of America to compensate me for the improper foreclosure effort. 
As a result of the improper foreclosure Bank of America has placed over 38 late / missing payment notations on my credit report, even though they would not accept payments during that period. Additionally, it was agreed during the loan modification that Bank of America would remove the late / missed payment notations. It was agreed that I could n't have been late or missed payments that the lender refused to accept. They now have simply forgotten that part of the agreement. 
I have attempted to speak with Bank of America regarding this complaint, but there is no one who is willing to address the modification, or even discuss the mis-reporting. This is having a huge affect on my credit score and my ability to refinance to get a lower interest rate. It has cost me thousands of dollars in high interest rates with other lenders as well.
We have had a mortgage with HSBC for 30 years. In XXXX HSBC transferred our loan to their HFC/Beneficial division where we have been till now. We were given a three month deferment/forbearance some time ago after I spoke with them about my husbands XXXX and our financial situation and resulting late payments. This took the end of our loan to XXXX XXXX. They denied us a modification. Now we were just notified that the deferment has been taken away and the original loan maturity date reinstated being XXXX XXXX. Our payments are/were current as of XXXX XXXX. Now they want the amount of {$4200.00} as final payment which is shocking as well as incorrect. It does not reflect XXXX payment they received and accepted. Also if all payments are current with no past due amount, then where is the amount in principal of {$2400.00} from? there should only be the three months worth of forbearance payments they decided to renege on which is {$460.00} x XXXX. I called and got a run around, hung up on and no answers. After 30 years of struggling and finally near the end and owning our home they are pulling this. Its not the fact that we do not want to make final payment on our home so we can finally retire but the fact that again HSBC is playing games, changing dates and padding amounts due that is unethical. Now we have to scramble to try and find the money before they again try to take our home!! Which they will definitely do with out payment.
on XX/XX/2018 I called XXXX XXXX reguarding an unauthorized inquiry on my credit report that was pulled on may XX/XX/XXXX during the purchase of my new vehicle at XXXX XXXX in XXXX Fl. I talked to XXXX and they said they could not do anything about the unauthorized inquiry. I'm looking forward to pursue deletion for an inquiry I didn't authorized
I received a demand letter from XXXX  a collection company. XXXX is demanding XXXX for debt collection for XXXX XXXX XXXX XXXX XXXX.

This debt does not belong to me and is a result of identity theft. I have made serval attempts to resolve this issue with XXXX with no help.

XXXX is attempting to collect a debt which never belonged to me.

I demand this debt be verified and copies of all documentation for this account be emailed to me for discovery.