WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I am doing a settlement to XXXX XXXX XXXX , XXXX, File No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX  using MACHOL JOHANNES LLC   Attorney at Law but they are not a lawyer XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone # XXXX where I paid {$3000.00} from my Debit Card ending XXXX and it shows from my bank account that they received my payments. I called them today that they will be sent a printout receipt from their system. Now, I received another collection letter from another collection company name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX   phone XXXX claiming a {$5000.00} don't want to deduct my payment {$3000.00}.

XXXX XXXX XXXX , XXXX already removed my derogatory remarks from Credit report such as XXXX, and XXXX XXXX was already deleted XX/XX/2018. They advise me not to send a payment to XXXX XXXX, XXXX  until they send me to collections and we have to file a dispute.
I received a 30 day to collections letter from Amsher in XXXX about an alleged debt that is not mines. I sent them a letter requesting verification of debt. XX/XX/XXXX I received a copy of a bill as their response to my request for verification according to the Fair Debt Collection Practices Act. Their response was a bill, which does not constitute a form of verification that the debt belongs to me. I immediately responded within 3 days of receiving that bill ( XX/XX/XXXX ) that the unknown debt is not mines and sent a certified letter that was delivered and signed for on XX/XX/XXXX requesting that they verify the debt as per the Fair Debt Collections Practices Act. They never responded afterwards or sent any validation that is competent bearing my signature or any evidence that I had any contractual obligation to pay. Today ( XX/XX/XXXX ) I received a credit monitoring alert that a new collection account from Amsher was added to my report. This has to be illegal and a violation of the Fair Debt Collections Practices Act. This needs to be removed immediately.
My complaint is with Transunion credit bureau. I was part of there system glitch that caused my inquires to be removed from my credit report. The law states that Transunion would have to notify me with 5 days to inform me that the inquires would be added back to my credit report. Transunion failed to give me proper notification and just illegally added them on my report. This is causing a financial hardship on me as I am in the process of applying for a home loan and with these inquires being added to my report it brought my score down which disqualified me for my loan. I have reached out to Transunion on several occasions and spoke with a XXXX and a XXXX. They did not want to remove the inquires after I stated that they were illegally added and some were fraud. This was not a mistake on my behalf so I should not have to suffer. This was a Transunion issue and they did not take the proper steps before adding illegal information on my report. My rights were violated by Transunion. I am requesting your help in resolving this matter and so Transunion can stop victimizing me. As a resolution I am hoping to get all of my inquiries deleted from my report.
I sent a letter to Portfolio Recovery Associates ( PRA, LLC XXXX on XX/XX/XXXX notifying them of their default to report according to Texas XXXX XXXX XXXX XXXX and in fact default according to FCRA section XXXX ( a ) ( XXXX ) ( f ) ( XXXX ) ( XXXX ), I received a response from PRA greater than XXXX day of the original dispute with no clear validation of this account. I requested that PRA delete the inaccurate information and to notify the all credit bureaus. In Reviewing my credit report on XX/XX/XXXX this account still shows as derogatory with all XXXX bureaus. I sent another letter to PRA on XX/XX/XXXX to inform them of the default back in XX/XX/XXXX and asked for validation on this account. I also reiterated that they must report this to the CRA. I received a letter from PRA dated XX/XX/XXXX however this letter was not received until XX/XX/XXXX. PRA 's letter did not justify validation nor did it justify the information in regards to the XX/XX/XXXX dispute. In response to PRA 's letter, I AGAIN notified PRA on XX/XX/XXXX that the letter dated XX/XX/XXXX did not validate the account according to TFC and FCRA. I received a follow up letter from PRA dated XX/XX/XXXX, greater than 5 days of the re-dispute, referencing 15 U.S.C Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) but failed to reference Section 1681s-2 ( a ) ( 8 ) ( F ) ( ii ) ( iii ) - that a dispute is frivolous or irrelevant, the person shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the person. I did not receive notification from PRA of " such determination '' within the grace period. According to PRA, if they continue to receive subsequent correspondences from me regarding a dispute that has already been resolved, they will consider my inquiry answered. Therefore, my only options are to submit a complaint and to notify the credit bureaus in writing. Thank you in advance for you time
i have XXXX hard inquires from this company that i never applied for and the credit bureaus are giving me a hard time about removing them
I contacted my bank in order to stop the first time of a recurring month to month payment using my debit card, under FDIC Consumer regulations the bank is to allow me to do this if I contact them 3 business days before my payment is to go out. If I have contacted the other party, which I had I am able to according to this website https : XXXX stop my payment under the Stopping an automatic, recurring payment : section. Am allowed to stop the payment in such cases so that my account will not go negative, I may be liable for the payment at a later time, but I am certainly allowed to stop it at no charges to me. But my bank demanded they treat it as a stop check payment, incorrect banking regulations and then proceeded to demand I pay them {$30.00} to stop a {$7.00} payment I could not cover forcing me to accept improper banking regulations or to take a payment I could not handle that I was trying to stop using my RIGHTS. They do not know the proper regulations themselves, even the supervisor at the call center for bank of america treated me terribly and refused to help me and literally said yes to my quote of " bank of america is denying me a service they should give me, refused to acknowledge their mistakes now, and are forcing these fees upon me when I attempted to execute my rights to stop them, you guys are XXXX me over, literally handing me a XXXX then another one and saying go XXXX '' She literally agreed, said yes these are our policies and this is how we treat our customers. Now I realize profanity was not needed but I was angry and these people obviously had no intention of helping me even if this is the result of their incompetence and neglect. They hide behind a " computer system does not allow us to change what has already been set in motion '' tactic. I called the local branch for bank of america, and I asked if they would help me based on what had happened with customer service on their XXXX number. An apologetic but unable to help account associate got her manager who was the one i spoke to about coming in. She could see what happened in the account, she just refused to do anything about her company the one she works for ignoring banking regulations and she herself didnt even know that stopping a check and stopping a reccuring debit transaction are nowhere near the same thing. She agreed that their regulations were to ignore proper FDIC regulations, force me to take penalties so they could add penalties on to my account. I angrily took my debit bank card and Id from the desk they had them on and she threatened to call the police on me because I was angry that they were so blatantly and fradulently trying to cheapskate me out of pausing a $ XXXX month to month payment so that my account would not go red. Once again clearly outline in the FDIC consumer site under the Stopping an automatic, recurring payment : located HERE : https : XXXX
I just obtained my free credit reports from all three of the reporting credit bureaus and found out although I had a fraud block, Equifax gave a full credit report to someone in a billing office in an out-of-state hospital, so that a third party could use my credit to charge medical bills. This happened XXXX XXXX, XXXX and I just discovered it on XXXX XXXX, XXXX. I have never been to this state, nor have I lived in this state or been associated with the hospital.
I received notification XXXX, XXXX was still working on an issue AND I checked my scores which dropped today from XXXX to XXXX. I received another alert stating my credit score was changed by an update in Equifax. I further investigated the issue.

XXXX/XXXX did another update for two accounts that settled same day adding erroneous remarks for 3rd parties to view from one dispute to the next that continue to conflict. XXXX does not have a quality control and works against the consumer demonstrating discriminatory practices and affiliated with XXXX XXXX as I am too a member. Every request to remove creditor from my file has been either ignored or causes more damage. XXXX/XXXX showing one account with a credit limit of {$250.00} and a high balance of {$1500.00} when in fact the account was increased from {$250.00} to {$2500.00}, that account was settled over 4 years ago. XXXX/XXXX has made at least 4 to 5 derogatory erroneous updates within a 30 day period over the last 4 months
On Friday, XXXX I contacted a creditor that I owed. The company name is XXXX. I called trying to pay out an account I had with them but i was told another agency was handling my account and to call them. The company that was handling my account is Security Credit Services. I called and I informed the lady that I needed to pay out the account. She said the balance was {$700.00}. I said okay and then I said to her I see this is not been reporting on my credit report and she said No it isnt. I proceeded to pay the money and she said it declined but that she would run the card again the next day which was Saturday. I said okay. She stated she would send an email and confirmation when it was done. Saturday morning I checked the account and the pymt was made yet I did not receive an email or confirmation from them. Approx 1-2 hours later I received an alert from XXXX XXXX indicating a new collection was added to my account. I logged in to see that this company had reported it to my credit reporting agency as an unpaid account as of XX/XX/XXXX. As a result my credit score dropped over 34 points causing me delay in trying to purchase my first home. Prior to Friday I had never heard anything from this company. No phone calls or letters. It was not on my credit report until after they got their money. This company reported false information not by accident but knowingly they put false information on my report causing me harm. This company should be fined because they violated the FDCPA LAW which states if a company puts false information on your credit report knowingly this is a violation.
they sent me collection paper work with my social security number on it .it did come in the US mail ( regular mail ) and I am concerned about this getting in the hands of the wrong people
I would like to file an additional complaint against Old National Bank. Upon reading the response to their complaint more thoroughly after disputing the original response, I read that Old National Bank claims that I went into the banking center which housed my bank account exhibiting disruptive and belligerent behavior. This could not be further from the truth, as the banking center which housed my checking account is located in XXXX, which I have not been in for over a year, as lately the job I have has me working in XXXX and the XXXX. I can barely find the time to drive down to XXXX to service my customers down there. This statement is slanderous and libelous. I expect Old National Bank retracts that statement. I did raise my voice on the phone with collections, but I only went into a banking center of Old National in XXXX to make a deposit. I expect Old National to be truthful in their response. Lying and slandering people is not " banking with integrity '' which Old National claims to do. Furthermore, I would like the XXXX be contacted and the removal of their accreditation of Old National Bank to be looked into.
Financial Institution : PNC Mortgage, a Division of PNC Bank, NA My spouse and I refinanced our residence on XXXX/XXXX/XXXX with a mortgage from XXXX XXXX XXXX ( XXXX XXXX XXXX ). The loan note ( Attachment XXXX ) specified that payments would be made every 14 days. The loan note also specified that the manner of payment would be automatic deduction from an account maintained with XXXX XXXX XXXX ( in this case our checking account ). 

The note was for 15 years, maturing on XXXX/XXXX/XXXX, but making biweekly payments would cause the loan to be paid off on XXXX/XXXX/XXXX. In XXXX XXXX XXXX XXXX was acquired by PNC Bank. 

Several months ago we realized the payoff date was approaching, but when we checked our mortgage statement, it became obvious that the outstanding principal would not be paid off by XXXX/XXXX/XXXX. We first contacted our local PNC Bank, then later corresponded directly with PNC Mortgage ( PNCM ) customer service. PNCM is a division of PNC Bank. Neither had an explanation for the discrepancy, but PNCM did provide an amortization ( part of Attachment XXXX ) that ran from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. The final payment would be on XXXX/XXXX/XXXX. The payoff date computed by PNCM is after the expiration of the 15-year loan period. 

From the time of the acquisition until XXXX/XXXX/XXXX XXXX XXXX , XXXX serviced the loan for PNC Bank. PNCM handled the loan after that. 

In its letter of XXXX/XXXX/XXXX ( Attachment XXXX ) PNCM stated they did not have loan history prior to XXXX ; they asked us to forward any information we might have. We searched back through old XXXX XXXX XXXX checking account statements and found that after the first payment was properly taken on XXXX/XXXX/XXXX, subsequent automatic deductions were taken at a variety of different intervals. The vast majority of payments were taken at intervals greater than 14 days, the longest being 29 days. This explained why the outstanding balance was so high : principal was being paid off much slower and interest was accruing faster than would be the case if XXXX XXXX XXXX had made payment deductions as required by the loan note. We forwarded this information to PNC ( Attachment XXXX ). 

XXXX XXXX XXXX monthly checking account statements covered from the middle of one month to the middle of the next. We noted the mortgage payments as statements were received, but it did not occur to us to calculate the number of days since the previous payment. A reasonable person would assume a financial institution that makes loans could and would compute automatic payments properly. 

On XXXX/XXXX/XXXX PNCM replied that they were not able to help in this matter ( Attachment XXXX ). They suggested we contact XXXX XXXX XXXX for assistance. As mentioned above, PNC Bank had acquired XXXX XXXX XXXX in XXXX. There is no XXXX to contact. PNCM seems to feel that it has no responsibility for the legacy bank 's failure to carry out its requirements under the loan agreement. 

Attachments : 1 : XXXX/XXXX/XXXX Loan Note 2 : XXXX/XXXX/XXXX Letter from PNCM ( includes amortization ) 3 : XXXX/XXXX/XXXX Letter to PNCM 4 : XXXX/XXXX/XXXX Letter from PNCM
We continue to wait for action by the lender on the shortsaleThey wont move forward and they continue to delay the shortsale its been almost XXXX months and they have an appraisal value of {$25000.00} and are sitting on a cash offer of {$24000.00}
I received a collection notice from Collection Information Bureau Inc for a service that I did not receive at a Hospital I have never been to. I tried to contact the Creditor ( XXXX XXXX XXXX ) but there is no number to be found. I called my insurance company and they have no record of it also.
I received a debt validation notice dated  XXXX    XXXX ,2017  from  XXXX   XXXX   XXXX  stating that an account (   XXXX    XXXX   XXXX   XXXX .  ) h as been placed with their organization for collections with a balance of {$3100.00}. On  XXXX   XXXX ,  2017  I sent  Client Services Inc  a letter that they received on  XXXX   XXXX ,  2017  to provide me with proof that this debt belongs to me. As of  XXXX   XXXX ,    2017  I still have not received a response from  Client Services Inc. Therefore, the collection agency failed to validate this debt  I the required time frame. I have attached a copy of both their letter and mine along with proof of them receiving my letter.
The status open date for collection precedes the date provided by original creditor. Name of original creditor does not match what XXXX   XXXX XXXX XXXX claims the original creditor to be. Contact information being listed is matching to the original creditor [ XXXX ] which claims not to be the original creditor. Account number is being listed and displayed incorrectly.
Sirs : I have spent the last 6 yrs. trying to give Bank of America and now XXXX 20 % of my debt to satisfy it as I did with a {$30000.00} debt with XXXX a few years ago. The time for collection is over. It has been over 6 yrs.since my last payment as I indicated in my first sentence. This debt should be NOT reported any longer on my credit history. This debt is continuing to be reported on my credit history for a longer period than the law allows. 
I want this debt removed from my credit history by. Thank you. 
XXXX
This number calls at XXXX XXXX and the caller ID identifies it as XXXX They leave no message. When I call back and ask who they are I am told they are looking for a XXXX and they can not ID themselves or who they work for because of the nature of their call???? They are an accounts receivable office. Really, as if I do n't know they are a bill collector. I think they believe without a name you can not report them. I told them not to call me again since hang up calls are harrassment.
Countrywide used a bait and switch at the time of the Mortgage signing and split the loan into XXXX loans. Countrywide went out of business partially because of their illegal practices. Bank of America took over the XXXX loans and they are calling the smaller loan an EQUITY LOAN. It is not an Equity loan and never was. After four years of disputing - what they call an equity loan - they finally Modified the loan with the same terms of teh original illegal loan. How is this legal? Because they are calling it an equity loan, they will not modify it the same way the modified the first loan. Bank of America is using the illegal terms of the COUNTYWIDE LOAN to make us pay all the interest they caused by delaying the modification for four years.
I have sent multiple letters to this 3rd party collection agency and in reference to an alleged debt and no response.
Prestige Financial Services is incorrectly reporting the balance owed on my account on all three credit reports. The actual balance as of XX/XX/18 was {$8000.00}. I make payments biweekly and this balance will go down every month. Prestige needs to accurately report the balance owed monthly! It says on my credit reports that the last time they updated the balance owed was XX/XX/2018 and left it at XXXX obviously this is false.
This is not my debt. I never received any Communication about any debt. I spoke with the company they would provide proof of the debt.
I had my direct deposit set up with Rushcard and now I ca n't access my funds. It posts the funds to the account but when I try to withdraw it from the ATM it does n't allow me to. It also wipes out my balance when I try to use it in any store or contact them about not being able to use it. Also, when I contact them they hang up in my face or tell me that there is nothing they can do until it 's fixed and they have not estimated date or time that it will be corrected. I call them everyday and as soon as I 'm connected to an agent they hangs up on me.
Just got up this morning and checked my credit score and noticed that a company named XXXX XXXX XXXX has appeared on my credit whereas i have no credit history with them. I do not have loan, nor a mortgage with said company. This is an attempt of identity theft slander defimation and libel, such is being taken up in court at this time against said company. WIth no credit history with said comapny all agencies must delete this item from customers credit history since being added XX/XX/XXXX. 
There is no evidence of a mortgage with XXXX, there is no record of a mortgage. No proof of a loan being processed in customers name and such the like. 
The home owners insurance is in the customers name that only XXXX XXXX XXXX. 
The home has been paid off since XX/XX/XXXX. See attachements and court information concerning identity theft created by said company as of XX/XX/XXXX. 
The comapny XXXX is simply trying to create money out of thin air. The customer deemed for this debt is that of XXXX XXXX XXXX and a XXXX XXXX XXXX located at a different address. 
This company [ XXXX ] is simply alleding that they are the orignial lender and or have purchased an illegal debt from XXXX XXXX whereas customers XXXX XXXX XXXX and XXXX XXXX have have never had a mortgage nor a credit history with Either XXXX XXXX XXXX  nor XXXX XXXX XXXX XXXX. This is fraud. See attachments whereas President Obama passed a law on extending the Statutes of limitations on Mortgage fraud and securities fraud. Due to this attempt to continue harrassing, fraud, identity theft slander defimation and libel the credt bureus are now responsible for this action and may be financially responsible for all recoupments herein. Please see case no. XXXX and XXXX. Which are still in process. Hearing dzte scheualed later this year. XXXX   whom fraudulently attained private information from XXXX XXXX XXXX does not have the customers consent to have social security numbers not address nor other private information, this account doesnt have a account number listed as well. 
XXXX had attorneys try to offer a settlement on XX/XX/XXXX this year just a few months ago that the customers declined on. XXXX and XXXX even went as far as an illegal removal and fraudulent court docs without a court officers and judges signature. 
Because they knew it would continue in some form or way. With no history and no mortgage XXXX and XXXX XXXX continues to harass attempt to hider and delay the legal process but rather have been served a new or appeals compalint against them for any and such things to be overturned shall and the fraudulent mortgage assignment [ see attatchment ] is just that fraud. XXXX XXXX XXXX. sold a fraudulent peice of paper to XXXX XXXX XXXX XXXX to harrass customers XXXX XXXX XXXX and XXXX XXXX XXXX to get them by fear and harrassment to drop their compalint that has been amended and updated therein the court system. 
This information must be removed from the customers private information within the next 10 days.
contacted experian in regards to incorrect information on my credit report. I received a letter today XXXX/XXXX/16 stating experian will not re-investigate the incorrect information for me. I have provided substantial information proving that these accts were never late. I am re-sending today copies again from the bank showing proof that my report is to be corrected. There are XXXX items on the report that are showing as negative ... ..I do not understand because under that it states paying as agreed but showing in potentially negative. These acct 's were never paid late and I have proof to show so. I am complaining because they ( experian ) sends me this letter stating they will not re-investigate for me.