WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2016, I received a letter from my mortgage company, XXXX XXXX, that they would stop using XXXX XXXX for processing of their accounts starting XXXX XXXX 2016. From XXXX to XXXX, XXXX XXXX, continued to withdraw money from my account electronically through ACH. I phoned XXXX on XXXX XXXX with no contact with a representative. On XXXX XXXX, which a representatives " XXXX '' said it was the fault of XXXX XXXX, who is a third party in which XXXX XXXX used. On XXXX XXXX, I phoned XXXX XXXX and canceled my program with them, receiving the confirmation number of XXXX. My bank XXXX started a dispute with XXXX, XXXX, in which XXXX XXXX finished them a copy ( which I do not have nor been given ) of my authorization for withdrawal. On XXXX XXXX, XXXX XXXX withdrew another {$1300.00} from my account through ACH. I phoned XXXX, whose representatives reached XXXX XXXX ( after dialing XXXX nonworking customer service numbers ). We spoke with XXXX, agent # XXXX, who again tried to push it off as an XXXX XXXX problem. XXXX tells me I need to provide proof that payment was actually received on their end through providing several documents and then their accounting division will " research '' the problem. This seems very unlawful as I do not, nor ever have, had a loan with XXXX XXXX and as of XXXX XXXX 2016, my mortgage company ceased to operate with XXXX. Therefore any authorization on my behalf to submit payments to XXXX XXXX would be null and void based on the fact that XXXX does not service loans with XXXX XXXX. XXXX XXXX is not receiving the payments from XXXX XXXX. On XXXX XXXX, I phoned XXXX XXXX to confirm they closed my account with them as requested on XXXX XXXX. I spoke with XXXX who tells me I owe XXXX XXXX over {$2000.00} because they reversed the payments and supervisor XXXX, acknowledged that the company unlawfully accessed my account on XXXX XXXX to recoup the funds. I never gave them verbal or written access to my account. Thus, BOTH companies are conducting themselves in unethical ways by withdrawing money using ACH under different company names and accessing accounts without approval.
I monitor my credit report weekly and I have discovered that this is the *XXXX* time that Debt Recovery Solutions , LLC has placed this {$80.00} debt on my credit report. Thus, the debt mysteriously appeared on my credit report without given a 30 day notice to dispute the debt. Thus, this is the XXXX time that this debt collector violated my consumer rights under the FCRA. 

In addition, I have already disputed this debt back in XX/XX/XXXX and Debt Recovery Solutions , LLC removed the debt from my credit report because they could not validate it. Yet ... here they are again ... trying to damage my credit without validation 10 months later. 

Hence, I need proof that I owe this debt. Please show me a copy of the " written agreement '' that created my original requirement to pay? 

Furthermore, I would like to add that I have already contacted XXXX ( the original debtor ) on XX/XX/XXXX at XXXX and they could find no such debt. I spent about XXXX minutes on the phone with XXXX exploring this supposed debt. XXXX indicates that I own them nothing and that all accounts were paid in full with them. 

In addition, just to make sure that I did not owe this debt, I took the risk of giving XXXX my full social security number ( which should never be done ) so that they could do a thorough search to assure that I did not owe them a debt. Thus, XXXX indicated that they did not even know what Debt Recovery Solutions was talking about. 

I have had quite enough of this!!!!
On or around XX/XX/XXXX, during the application process the mortgage originator asked me why I had been out of work and I responded " due to medical reasons ''. He probed further and I explained that I have a XXXX. He then went on to ask me what my XXXX was and I explained that I am being treated for XXXX and XXXX. He then asked if I have any supporting documentation to prove that I am indeed XXXX? I explained that I could get a letter my my doctor and I am also willing to write a letter and provide any other requested documentation. My FHA loan was then denied. I was told that the reason was because I had not been on my job long enough, however, I had discussed the possibility if changing jobs with one of the mortgage originators and was told that it would not affect me as long as I did not switch jobs during closing. I also told XXXX XXXX that I had received the go ahead from the referring loan originator that I had just changed jobs and I had been assured that it would not affect my application. I believe that knowledge of my XXXX influence the loan decision resulting in a denial of my FHA funding. This situation has caused me a great deal of emotional distress, it has affected my ability to purchase the home, which will effect me financially and emotionally, especially due to the fact that I have been renting in the same high crime area since XX/XX/XXXX and I am feeling trapped and I have now lost the opportunity to purchase an affordable home due to the fact that my XXXX was used to discriminate against me and deny my loan. I also believe the fact that I am a single one income female coupled with a XXXX led to the denial. XXXX XXXX then had me apply for a conventional loan, which was also denied.
I misplaced a rebate card issued by Citi for tires I purchased in XXXX of 2015. When I located the piece of mail and opened it I found the card expired a week earlier. I called Citi to get a new card and was refused being told they XXXX the balance as of the last day of XXXX. The card was for {$70.00}.
XXXX billed me once and I paid on the account. I got no further correspondence from them. NGRCA collections sent me a bill. I asked for information about the bill as I though the amount was incorrect. NGRCA refused to give me the information and I finally called XXXX and they gave me the billing co phone and address. I asked for an itemized statement and they refused saying that NGRCA would have to ask for the billing and NGRCA refused. I do not trust this XXXX group billing because they before tried to bill me for what XXXX said they were suppose to write off. After that was settled. they then called me at work and said that BC/BS did a charge back. After talking to XXXX at XXXX she informed me it was for another patient. I do not trust anything that comes from this company and NGRCA the collections company refused within the 30 days to get me a copy of the billing. This billing company committed fraud before and I am not sure they are not doing it again. After reading reviews of this group, i have noticed this seems to be a practice. I asked XXXX to audit these doctors and their billing practices, because I am not the only one that has had these problems. How many times does the billing co get by with not following proper procedures without the doctors being held responsible because the hired them. My husband would like to pay the bill in full but they will not give me an itemized statement.
Hi, I found a collection debt on XXXX XXXX and wanted to pay it off. I 've called the collection company twice now to ask for the bill, so I may pay the debt. The XXXX person I talked to said she will send via mail and the XXXX person I spoke to said they 'll have to figure it out and that the XXXX person should n't have told me they would send a bill. I am not sure why they are withholding the bill but I would like this off my record as soon as possible. It has been a month since my first contact with them. How do I pay this off?
In XX/XX/XXXX, I saw an advertisement for BBVA Clearspend prepaid debit card. The ad promised a {$25.00} bonus credit if I opened the account between XX/XX/XXXX and XX/XX/XXXX and loaded {$100.00} on the card prior to XX/XX/XXXX. I opened the account XX/XX/XXXX and loaded {$100.00} on it on XX/XX/XXXX via a bank transfer from XXXX XXXX. The details indicated I would have the {$25.00} credit loaded on the card with 8 weeks. Starting in early XX/XX/XXXX, I called the support number listed on the website which is only number they provide - XXXX ( XXXX ) XXXX. I called three times and each time the representative agreed I was entitled to the bonus and they said they would send the request on to the appropriate unit within their organization. I do n't have the exact dates however they were approximately once every 30 days after the first call in XX/XX/XXXX. After the calls did not result in the {$25.00} credit, I mailed 2 letters, one on XX/XX/XXXX and one on XX/XX/XXXX, to the only address I could find for them which was the return address on a piece of mail sent from them regarding privacy. The address was XXXX XXXX XXXX XXXX, AL XXXX. They do not provide any mailing address on their website contact page ( https : //clearspend.bbvacompass.com/XXXX ). In the letters, I again requested that they credit me with the {$25.00} and I provided all the card information they would need. I received no response.
I became a victim of fraud XX/XX/2017 between the XXXX   through the XXXX  ( actual date is unknown to me because I was locked out of my account and have not had access to much information since ). A check was deposited into my account in another state, I never received any fraud protection alert via email, text, call or any other preference that was set. As a result of this {$930.00} deposit Bank of America closed my account. Since then I have been reported to the early warning agency and have not been able to hold a successful account since. As I had no knowledge of this, I continued getting my statements in the mail ( Which I was not getting right away because my billing address is my hometown and I am away at college ), but nothing via email. I was never given the opportunity to report the fraud or resolve this conflict and it has negatively affected me in many ways. The last mail I received was a account closing notice. I have written letters to the bank and am hoping to hear back soon, I have no received any further response from early warning besides my consumer report which I have also taken steps to resolve.
XXXX XXXX has once again turned over an account to a collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Please see the attached documentation of the same account that XXXX XXXX has submitted to various credit reporting agencies over the last three years. This is an ongoing problem. WHY DOES XXXX XXXX Continue to knowingly and willing report incorrect information to various collection agencies? Why is collection agency refusing to verify the information with XXXX XXXX. 

Upon giving my SS # to the above credit reporting. The agent on the phone asked if my name was " XXXX XXXX ''. I have never lived in Louisiana or the area where " XXXX XXXX '' resides. My name, as I have stated to XXXX XXXX multiple times in writing in the past three years is XXXX XXXX. I am in good standing a XXXX XXXX customer today. The agent ( in a recorded call ) furthermore said that I should report this situation as identity theft. I have had no other attempts by anyone to use my identity to open other accounts. This is clearly a case of poor and possibly fraudulent collection practices by XXXX XXXX. Please see all the attached documentation from many past attempts to collect money on the same erroneous account information.
I made a transaction with Paypal that was to be paid using my Paypal balance first, with the remaining balance charged to my credit card. However, when the transaction was processed, Paypal charged the balance to my bank account instead of my credit card. 

Prior to completing the transaction, I verified this configuration several times on the Merchant 's website as well as Paypal 's. I 'm not sure what went wrong, and frankly, I do n't care. I just needed Paypal to fix it. 

When I contacted Paypal, they assumed I was at fault and were unwilling to change the funding source for the transaction or offer any solution to correct the problem.
I checked my ssn on the Equifax breach page, and found out I was in fact breached, without any notification from Equifax, I then clicked yes to a free year of security given to those affected without any further information available on that link, I then read it does'nt protect you and that they had a hidden disclaimer the veiwer couldnt see that automatically prevents you from suing if you are a victim of identy theft related to their breach
I paid for this debt in full for the amount of {$1300.00} to a XXXX XXXX law firm who is allegedly associated with Ad Astra Recovery Svs In. I asked for a receipt for the amount I paid and was told they do n't give receipts. I call the company several times before I even paid the debt and no one would assist me in resolving the matter. I want a receipt for my money paid mailed to me asap and this item removed from my credit report. I do n't even live in XXXX I live in XXXX and I was n't even suppose to receive a loan if I was n't a resident of the state XXXX. I do not have a XXXX Id or DL, I was temporarily working a XXXX job there over a year ago. I have paid this debt and I want my proof.
I moved into my home in XX/XX/XXXX in XX/XX/XXXX I felt behind on my mortgage 3 months my mortgage company offer me loan modification I except the loan modification thinking that they were going to put the 3 months that I was behind in at the end of the loan only to find out that they wiped out the entire 12 years of payments that I had previous from XX/XX/XXXX through XX/XX/XXXX and started the loan over for 30 years. Which mean instead of me being through with my loan and owning my home in 13 years it will now be 25 years at the age that I am now and because of this I will probably never live to be able to retire and will never live to own my home. Which mean that they would get 42 years in payments and probably still end up with them owning the house. I work all my life and will not have my home. That 's un fair this company took advantage of me when I needed help and nowhere to turn to. In reality I paid them XXXX dollars for being behind on my mortgage 3 months which was about 3.000 dollars. XXXX XXXX
Chptr  XXXX  dismissed mid  XXXX    XXXX  , out of bankruptcy had others debts owed. A decrease of my income  XXXX  job loss. Applied for loan mod during that time  Ocwen den ied me to try at a later time. There is an increase in expenses and supporting my sons younger brother as their mother passed away. He had medical issues needed counseling, medications and my savings exhausted. I wor k 36 h ours per week.My name is the on ly one on the   mortgage. I pay most of the house expenses. My spouse has a pending work meeting and not guaranteed to be employed. I need assistance in my mortgage. Loan account #  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX  CO  XXXX  End of  XXXX    XXXX   submitted  to Ocwen Loan ser vicing a modification package.  XXXX   XXXX   XXXX  my name the onl y   one  on the loan/deed. Accou nt Loan  #  XXXX . My spouse has been in contact with kynan fernandes relationship manager. Each phone call request different docs.   I contacted attorney as having issues with Ocwen. The I received a phone call  XXXX / XXXX /  XXXX   rec 'd call from  XXXX ,  XXXX , name  XXXX   XXXX  with ocwe n Loan se rvicing we had been approved for a loan modification and need to pay the attorneys fees in order to get the loan package out to us for signature. It was quoted to me via phone conversation with  XXXX   XXXX  an approval for a 30 year fixed rate for 3.75 % with a all payments in arrears added to end of loan. The monthly mortgage payment would be {$730.00} a month for the 30 year fixed rate.   I contacted the attorney, I had been in touch with he said take thr offer. I contacted  XXXX   XXXX   XXXX  stated  " Ocwen Loan servicng when calling me " I was given two name of attorneys to forward funds 1 ) {$850.00} to   XXXX   XXXX   XXXX   XXXX  receipt #  XXXX   XXXX  Fl, sent  XXXX / XXXX /  XXXX  , next funds sent to different person as  XXXX   XXXX  stated our case was with a different attorney now need to send {$730.00} to be sent to  XXXX   XXXX  receipt #  XXXX ,  XXXX  Fl both money transfer funds were picked up. Then the modificatio paperwork would be sendt out to  XXXX  to sign. I tried to contac t Ocwen. I was informed by Ocwen Loan servicing no one by those name   worked there and no money received from me. Now i have been served paperwork from attorneys pending funds foreclosure/ have less tha 30 days to respond.   I was scammed reported to federal trades comission and to date working again with an attorney to help me in the loan modification process. There has to be some resolve in this situation people work hard to keep their home circumstances happen in life that are no control of the homewowne rs. Ocwen is one of the worse companies an owner can work with. My husban d is trying to get a resolve on a fixed interest rate with a lower payment due to decrease in income and work hours. Can someone assist us. I have been in contact again with an attorney to try and help get the matter resolved.
I was set up to receive my XXXX statement online. I did not receive my statement ( second time this had happened ) one month. When I received my statement the next month and saw a past due I immediately called and was told if I paid the balance due over the phone ( approximately {$30.00} ) I would have a XXXX balance, so I did this. 
The next month I received an e-mail from XXXX, and believing what the representative had told me the previous month ( XXXX balance ) I did n't bother to open the e-mail. 
The next month I received another e-mail, which I opened, called and got into an argument with the representative and paid additional monies over the phone ( service charge ) and asked that the account be closed. I did n't use the account that much ( my balance was never over a few hundred dollars ), I would go months without using it, so I was n't used to paying it on a regular basis. 
Recently a banker told me XXXX jumped me straight to 90 days late and I should dispute it. My credit score is flawless except for this record. Thanks for your help with this matter.
On  XXXX   XXXX ,  2017 my  employer 's payroll department notified me that my wages were to be garnished by court order. The law firm responsible,  XXXX    XXXX   XXXX   XXXX  , did not notify me of the lawsuit and I did not receive any court summons. Furthermore, the action was not brought in a jurisdiction where I resided at the time, nor in the jurisdiction where I signed the contract sued upon.  <P/> I attempted to resolve this debt and put a stop to the garnishment by furnishing payment to the firm. I called them and was told to send guaranteed funds to  XXXX   XXXX   XXXX ,  XXXX , MA  XXXX  by overnight shipping. I did this, and tracked the shipment.   XXXX   indicates that it was signed for by one  XXXX   XXXX . In spite of the fact that they have received payment, they are continuing with their attempt to garnish my wages, and are actively ignoring all of my attempts to communicate with them.
The was saying I have a balance of XXXX to XXXX. I have no idea about this account. I have not used XXXX XXXX over 2 years
I received a voicemail from ( XXXX ) XXXX, which was from an individual named XXXX from Premier Portfolio on XXXX/XXXX/15. I returned his call on XXXX/XXXX/15, and spoke to an individual named XXXX who indicated I had committed a fraudulent crime by not paying a debt. I attempted to ask for a validation of debt while explaining my current situation, and inability to pay. She would not listen, spoke over me, argued with me, threated to prosecute me to the " fullest extent '' and hung up on me. I tried to call back and speak to XXXX, the initial person that contacted me, and individual named XXXX answered. XXXX transferred me back to XXXX, and she asked me to stop calling because no one wanted to help '' me in their office. I attempted to request information to determine if this debt is legitamate, if it ineed is -I am not trying to run or avoid it, and would like to take care of it but was told to cease calling their office ...
On XXXX/XXXX/16, RGS Financial contacted my mother and repeatedly asked her for my phone number.
I applied for a home loan with suntrust mortgage, Sun trust pre approved me for the home loan and conditionally approved me for the home loan and now claim the applications incomplete. Sun trust delayed the closing of the home for over three weeks and all conditions where met and witnessed delivered. Sun trust keep adding condition to the conditions purposely delaying my home closing. further more they made me pay for an appraisal of XXXX that is worthless without financing. Sun trust also tried to make me pay for a survey of XXXX and I said I would n ot pay that there is a survey registered with the town. Suntrust sent me the application stating only 1 months income and 2 months bank statements they have demanded 2 month income I provided and 4 1/2 months bank statements that violate there own policy. Also I have an email clearly states I am paid XXXX this is a lie and wrong. I have been unfairly treated and denied a home loan that I clearly am overqualified for a simple approval, this is discrimination.
The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance. 3. Court Order. 4. Employm
ents.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 3. XXXX XXXX XXXX Dated XX/XX/XXXX( XXXX ) 4. XXXX XXXX Dated XX/XX/XXXX ( Experian and XXXX ) 5. XXXX XXXX DatedXX/XX/XXXX ( XXXX ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX Dated XX/XX/XXXX( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( Experian ) 9. XXXX DatedXX/XX/XXXX ( XXXX ) 10. XXXX DatedXX/XX/XXXX ( XXXX ) 11. XXXX Dated XX/XX/XXXX ( XXXX ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.
Im XX/XX/XXXX to XX/XX/XXXX I have a few late payments with CapitolOne due to change of employment & taking care of my sick grandmother, Ive contacted them to remove the charge off & late payments but they refuse & being non compliant, Ive also settled in the account so there shouldnt be any reason why they shouldnt remove it.
I have a charged off account with   XXXX   XXXX   XXXX  .   XXXX   XXXX   XXXX   has been inaccurately reporting on my credit report as they have sold the account to  XXXX   XXXX   XXXX . I receive mail from   XXXX   XXXX   XXXX   attempting to collect on the debt as well as a letter from   XXXX   XXXX   XXXX   regarding my   XXXX   XXXX   XXXX   account dated  XXXX   XXXX .   When I contact   XXXX   XXXX   XXXX   they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.
My insterest rates are so high that I ca n't cover XXXX payment because that XXXX payment is more than XXXX of my paychecks and I only get paid twice a month. I called navient and they do n't want to help me or hear it. I have called them so many times now and ca n't get anywhere. I literally feel at a loss because I do n't know how I 'm going to actually live have to make over a XXXX dollars in XXXX payment. They refuse to decrease the monthly payment. They even told me I do n't qualify for an income based repayment plan.