WillisBack/dataset-financial-user-claim huggingface dataset:
Earlier this year in XXXX, I received a collection letter from Olympic Collection Inc ( OCI ), XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX ( XXXX ) XXXX claiming that I owe over {$500.00} relating to towing expenses. I called OCI and was told that there is a XXXX XXXX that was towed, and that the vehicle is registered under me thus they sent me a collection letter on behalf of the towing co. I told the case manager that I sold that vehicle in XX/XX/XXXX and that I will provide her information to prove so. 
On XX/XX/XXXX I emailed them a copy of the Notice of Transfer that I obtained from the local tag agency where I filed the paperwork right after I sold the vehicle. The Notice of Transfer shows that I sold the vehicle on XX/XX/XXXX and it also lists the name and the address of the person the vehicle was sold to. In the State of Oklahoma, when you sell a vehicle, you are required to get a Notice of Transfer to prove that the vehicle have been transferred from the seller to the buyer. From that moment on, it is the responsibility of the buyer to have the vehicle registered in any state they desire ; the seller bares no liability. I called and explained this to an OCI employee and was told this is not enough to prove the vehicle is not mine. 

I decided to contact the Oklahoma Tax Commission ( OTC ) agency and they agreed with me that according to Oklahoma law. They offered to write a letter on my behalf which stated that " A Notice of Transfer was filed with the State of Oklahoma on XX/XX/XXXX. Per Oklahoma law, XXXX  is no longer the owner of record. The Notice of Transfer releases him from liability for this vehicle. '' The letter also includes the office number in case OCI wanted to contact them. I emailed the letter to OCI on XX/XX/XXXX and called twice within 3 weeks and was told that they will contact the Oklahoma Tax Commission and get back to me. 

I received a call on XX/XX/XXXX from an OCI employee who told me that the claim will go forward since I did not provide enough information which is incorrect. According to the state I reside in and in which I conducted the business, I am not liable for that vehicle.
I had homesite home owners ins. It was {$2000.00} a year. I had my mortgage company pay my taxes and insurance through an escrow account. I paid {$1500.00} as a fixed price. My taxes have NOT gone up. My PMI has NOT gone up. I changed my insurance company to liberty mutual. My new yearly price is {$1000.00}. When I notified Bogman Inc. of the change, my new monthly payment only went Down {$10.00}. I have called the company 4 times. First speaking to " XXXX '' whom did not help me, then to her manager " XXXX XXXX ''. Who is telling me they have only been paying {$1000.00} a year for my previous years insurance, which is a lie.
XXXX on XX/XX/2016 Did not have permission to check my personal credit.
ARS ( Account Resolution Services ) is claiming they received a debt from XXXX XXXX XXXX which oversees ER doctors. They claim that XXXX has record of me seeing a XXXX XXXX XXXX at the ER of XXXX XXXX XXXX in XXXX, VA in XX/XX/XXXX. I did not visit the ER at XXXX XXXX XXXX at anytime in XX/XX/XXXX. I never saw a XXXX XXXX. I called XXXX and was routed to an organization called XXXX. I spoke with a representative who tried to look up my collections account by all means possible ( i.e. First name, Middle name, Last name, SSN, birthdate, etc. ) with no success. They said that I was never a patient with them. Being that I did not use the services of the ER and that there is no record with the original debtor I am contesting this debt. Lastly, I was never notified of this debt with any statements or phone calls. The address they claimed to send the statement to that came back as " undeliverable mail '' was not an address I was living at the time they claim the services were rendered. The debt appeared on my credit report in XX/XX/XXXX, two years after the supposed event. I was made aware of the debt when my mortgage loan officer sent me a credit report recently. It was not on my credit in XXXX. I have filed a dispute with all XXXX credit bureaus but wanted to make you aware that this is not my debt and I was never notified before it was negatively reported on my credit.
We have been working with a HUD counselor since XX/XX/XXXX. In XX/XX/XXXX a lis pendens was put on our property. We have submitted all documents requested by Freedom Mortgage and they have been ve19ry slow to respond, We have asked them to allow us to pay our mortgage as they keep telling us we are responsible for payments during the slow process of evaluating our circumstances, but they will not accept any payments from us. The process of resubmitting documents went in for 3 months and we couldn't make any payments during this time. On XX/XX/XXXX we received a letter stating that we could not prove our case. We had requested that since we didn't receive the promised help during Hurricane Irma, we requested to have several payments put on the end of the loan, since we were out of work and had expenses due to the storm. We also had family members diagnosed with XXXX and several deaths which required us to travel. We could not produce every receipt they wanted because we didn't expect to end up in this situation, so they denied our claim and have told us that our only two options are to do a pre-foreclosure sale or a deed-in-lieu.
Wells Fargo is trustee to the account of my mortgage, serviced by XXXX. For the last five years I have battled these companies over issues such as illegal foreclosure, where they sold and repurchased the property for XXXX more than the original loan while I was applying for loan modification. Wells Fargo rescinded the sale but left the principle balance at the higher amount. Communicating with them is impossible as the call center is outsourced to XXXX. There is no communicating with these people They simply do not understand the issue and are like robots you can barely understand. Wells Fargo denied they have a connection to me. I am unable to participate in any programs to save my home. Apparantly this is an illegal XXXX equity loan that we simply did not understand. How can the average consumer win with the big business bankers? Who can help? What happened to the american way? After 16 years of paying a mortgage my principle balance is more than the original loan and I will lose the house XX/XX/XXXX. I was offered only to agree to foreclosure, no other options available from XXXX, the servicing company who 's motto is ; " Helping people is what we do '' This is my last attempt to find someone who will listen. I will have to let them win in the end and just walk away like so many other americans have had to do. Lose everything and start again while executives live the life of luxury. In XX/XX/XXXX-XX/XX/XXXX I invested XXXX dollars with an attorney and a class action suit to battle XXXX and Wells Fargo. Just before settlement my attorney disbarred and left me hanging. If this complaint is actually seen or read, I respectfully appreciate any help or direction with the issue.
This debt has been disputed and it was found that original collection company did not have sufficient information to validate debt so item was removed from my credit file. However, they sold it to another agency, XXXX and if is now reporting again.
Conn 's begins auto calling my cell phone beginning at XXXX the day after my bill is due and continues to call 8-10 times per day, everyday including the day the bill is paid. The calls start around XXXX each day and do not stop until XXXX each day. It is an auto call with a prerecorded message asking me to contact XXXX 's. I have complained to Conn 's about the harassing calls and have asked them to stop but was told they are allowed to call me. I understand calling when a bill is past due but 8-10 times per day is excessive and borders on harassment. I have a record of every call from them each day. They also call from different numbers each month making it next to impossible to ignore these calls. Even if I make a payment arrangement, the calls continue. I just want them to be reasonable with their calls. 1 or 2 calls a day is fine but not almost every hour.
In XXXX XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XXXX XXXX, XXXX to XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A XXXX certified letter dated XXXX XXXX, XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XXXX XXXX, XXXX to Experian requesting the same information and nothing has been done by either XXXX XXXX XXXX or Experian.
I purchased my home XX/XX/XXXX. Since my purchase, my loan has been sold twice, first to XXXX XXXX XXXX & this last time to Carrrington Mortgage. Looking through the paperwork that I received in regards to the sale I think Carrington Mortgage purchased my loan XX/XX/XXXX but my first letter of contact from them was XX/XX/XXXX. While XXXX owned my loan they pulled my mortgage payment from my checking account twice a month, the XXXX & XXXX for the amount of {$1300.00}. My last payment made was XX/XX/XXXX made to XXXX. I assumed that Carrington would continue to honor the payment arrangements. When next payment came up on XXXX XXXX no payment was removed. I waited a few days assuming that things might be a slow because of the sale. I finally called Carrington regarding the payment not being pulled & was informed that I need to re-apply for this service and that because I was behind on the mortgage they would not consider me until I was caught up. When I inquired about being behind they told me that because they had yet to receive the XXXX XXXX payment I was now overdue ( XXXX pulled this payment on XXXX XXXX and Carrington took over loan on XXXX XXXX ). I was also informed that I had an escrow shortage and that my payment was going to increase. As of XXXX XXXX I will be a little over $ XXXX late on my mortgage. I have cashiers checks for XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX but I 'm not allowed to make these payments because Carrington does not accept partial payments ( XXXX XXXX is still missing according to their records ). We are risking our credit and losing our home, but would like to see Carrington continue to honor the same terms of our loan that was established with XXXX. We would also like to see them take the partial payment XXXX pulled and apply it to XX/XX/XXXX. When that payment is applied we could then catch up on our loan with the cashiers checks that we have.
In XXXX of 2007 I sold a business that I co-owned, it was sold under legal contract, to the other co-owner. From that time the new owner had 30 days to remove me from all items related to that company. Unknown to me this never happened per the contract, as we were not speaking, due to the fact that I was assaulted by my business partner. Fast forward eight years and the new owner quite paying their bills. At that time, I was contacted for collection since my name was never removed from the sold business as it was suppose to be. A court case was opened and herd, in which I was found not liable for the items in question. This information was sent to all three credit reporting agencies, Experian and XXXX XXXX both removed these items from my report after reviewing the information, but Experian didn't. We feel this should be removed as I was found not liable in court. I have always worked very hard, to maintain an excellent credit score and through no fault of mine now its damaged. Please help to get this removed from the Experian report.
Please verify this account and please send me the original contract bearing my signature not a computer generated  Bill or i temized statement
In XX/XX/XXXX we discovered a fraudulent savings account had been opened at Goldman Sachs Bank by a third party who illegally obtained our personal data. We contacted the bank immediately at that time by phone and US mail, requesting that the account be closed. However, over the next 10 months we continued to receive correspondence referencing this fraudulent but still active account, forcing us to recontact the bank on XX/XX/XXXX. We learned at that time the account had in fact NOT been closed. Having heard nothing from them over the next two weeks, on XX/XX/XXXX we again requested by phone and US mail, that the account be closed immediately. We have been told verbally the account is closed, but so far have not received complete and accurate documentation to that effect. We have also continued to receive correspondence from Goldman Sachs referencing this account as late as XX/XX/XXXX. On XX/XX/XXXX we again contacted Goldman Sachs Bank by phone, but the Fraud Department representatives refused to speak with us directly to resolve this issue. We are still waiting to hear from them.
I purchased a XX/XX/XXXXXXXX XXXX  account # XXXX which was finance with XXXX XXXX XXXX XXXX XX/XX/XXXX. later in XX/XX/XXXX I signed over the title and took a settlement offer to payoff the loan in full to XXXX XXXX XXXX this loan had been paid off but XXXX is still reporting this loan as if its late and I still owe money I was told by XXXX   confirmation # XXXX. I owe this company no money and I received my title I later signed the title over to XXXX XXXX I had no interest in the loan nor the vehicle after I signed it over I received the title and paid this loan off in full and the XXXX XXXX   company was reporting as if I wasn't making my payments or if I was behind on payments I took a settlement offer. This needs a removal of the account off my credit report with XXXX  this information is outdated and incorrect and needs immediately attention of removal this Loan needs to be deleted off my credit report. I have mailed supporting documents to XXXX to support my request XX/XX/XXXX
Multiple attempts have been made to Fay Servicing to provide an amount to reduce our monthly escrow payment which would reduce our overall monthly mortgage payment. This is a breach of the contract. Additionally, our original contract provided an option to make our monthly payment in two installments which Fay Servicing is not allowing. These deceptive practices by Fay Servicing we believe is an attempt to force us into a foreclosure. 

We want to pay at least half of our monthly escrow amount to reduce our overall payment, if not the full annual amount to further reduce our monthly obligations.
When trying to change the account from which my monthly payments were automatically drawn from I was given untrue information from PNC bank which ended with XXXX payments being late and thus affecting my credit score. I have tried working with PNC to resolve the issue, but it has not been successful. I 'm simply looking for the recorded phone calls I 've had with PNC to be reviewed to prove their error and my credit score to be adjusted accordingly.
The Experian credit report says I have a delinquency in 2012 on my student loan. This is a mistake because I have never been without a deferment. 
Furthermore I am in my third and final year of the forgiveness process.
On XX/XX/2015 a balance of {$870.00} from XXXX XXXX Bank appeared on my Transunion and XXXX   credit report. I am challenging Transunion and XXXX to verify this account Per Section 609 of the Fair Credit reporting Act ). This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever i filled out and signed upon opening the account with the reporting creditors.
Hi, I have a KOHL 'S store credit card the I used onXX/XX/2017 and another statement received was payment due on XX/XX/2017?? I was contacted by Kohl 's that may account is going to be 60 days late and paid {$210.00} which was for all including statement due on XX/XX/2017 Being close to XXXX years old I have been forgetting thinks and all they did was send e mail regarding bill which I thought was spam. A rep from Kohls called in regards to past due account and said if I pay bill I will not be charged a late fee nor will they report me to any of the credit bureaus. I apologized and payed past due explaining that I forgot and asked for wireless billing to be stopped. I then checked my credit report and the did report me to the bureaus bringing my credit score down XXXX points. 
I was in the process of a refi on my mortgage and now I am not eligible unless I want to pay higher fees and interest rates. This is not right what they do to people. Kohls now said it will be on my credit score for 7 years and refused to remove it. I contacted XXXX XXXX and XXXX and the said I have to file a dispute which may take up tp XXXX to 45 days. 
XXXX was closed today due to XXXX XXXX. We are now basicly XXXX by what Kohls has done. Maybe this is something the government needs to look at. It 's no wonder the housing market is the way it is since a simple mistake cost people a chance to advance in home ownership and refi there mortgage to save on monthly payments. 
ALSO WHY IS IT WHEN YOU CALL THESE PLACES THE SEND YOU TO PEOPLE IN THE XXXX THAT YOU CAN NOT UNDERSTAND. 
WHAT HAPPENED TO JOBS FOR THE PEOPLE OF THE UNIITED STATE OF AMERICA. GOVERNMENT SHOULD GO AFTER THESE COMPANIES AND PUT THE MONEY IN THE POCKET OF AMERICANS NOT XXXX. 
Please help us if you can and stop us from being a victim of society.
A bank fraudently claimed ownership of land that isnot there property. In an attempt to sell a home they rippeddown posted signs, removed a house trailerand sold it, and trespassed. They refuse toreturn any phone calls and will not talk to lawenforcement. They are attempting to sell a propertywithout a proper land survey, then leave the messto my family and the new land owner in an effortto make a quick profit- this is fraud. The Bank is Sun Trust. 
The land has been in my family for about 100years with well defined borders. The addressis next to the banks land at XXXX XXXX XXXX PA. I have attempted to call SunTrust 18 times, they will not respond. I filed a policereport with the State Police, but they hang upon law enforcement and refuse to answer anyquestions. They hired a people to illegallytrespass, rip down posted signs and stealproperty- an RV home. This all is an attempt toile a quick saleand profit before law enforcement can react.
I have called Capital One multiple times regarding crediting the interest charges for three months due to impacting by recent hurricane Irma in Florida for all three of my accounts and they only gave me one interest charge back when I requesting for three months of interest to be refunded. Also I noticed they reported my accounts to the credit reporting agencies eventhough I was supposed to be on a natural disaster relief program and I was told I wasnt supposed to be reported to the credit bureaus for being late.
I disputed charges with XXXX. XXXX did not contest the dispute. Instead, XXXX sent the dispute to successive collection agencies. Each time the debt was disputed, XXXX moved the issue to new collection agency without addressing the underlying concern that the debt was not owed. 

More recently, Southwest Credit ( collection agency ) contacted me while I was at work. I indicated that my job was not conducive to a discussion on debt but the representative persisted. I explained that the debt was in dispute and I would provide written correspondence. I sent the correspondence and Southwest Credit continued to call me while I was at work.Southwest, having no capacity to conduct an impartial investigation, decided that the debt was owed and reported a disputed debt to the credit agency resulting in the harming of my good credit. 

I told Southwest that I was open to an an impartial arbitration, but instead Southwest acted in bad faith and reported a debt to the credit agency. Again, I do NOT the debt as all equipment for XXXX was returned. Southwest has harmed my good credit with the sole purpose of coercing payment. I have suffered significant harm to my otherwise good credit.
I applied for a Chase Sapphire card to qualify for bonus points that Chase was offering to new cardholders. I was called the next day by a Chase representative telling me that since I already reached the maximum credit line from my 3 Chase cards, they would have to allocate some credit from one of my existing cards in order to open the new card. I agreed and moved {$5000.00} from one of my credit lines to the new card. 

I later checked my credit score because XXXX XXXX sent me an alert. Chase did a hard pull on my credit and dropped both of my credit scores from XXXX down to XXXX even though they did not extend me any new credit and merely moved my credit from one card to another. 

I reached out to Chase and the Credit reporting agent that I was transferred to was rude and condescending on the phone, while providing absolutely no attempt to help me out. 

Chase has also been locking my cards seemingly at random due to " fraud detection '' even though I've been only using my cards on the same websites, and near where I live. Previously, I've also tried to get them to honor their card benefit of covering the return of a product that the seller refused to refund, and Chase was unwilling to reimburse me in spite of several attempts at contact and speaking to several agents. I have never missed a payment, or made a late payment to Chase and have been a customer with them for over 12 years but will be moving my business elsewhere because they clearly have no regard for customer satisfaction.
I have been paying my mortgage for 14 years and have never been late, until XXXX when I was diagnosed with XXXX XXXX and under went treatment. I explained my situation to my mortgage ( HSBC ) company and requested a loan modification, but was denied. I reapplied for a loan modification in XXXX but was denied again due late payments. XXXX XXXX HSBC sent me a notice regarding an increase in my escroll account and that I could pay the difference of my to prevent an increase in my monthly payment, which I did. In XXXX of XXXX my monthly payments increased. It took six month and several hours on the telephone with HSBC to find my payment and apply the correct account. In XXXX of XXXX I had no choose but to obtain a lawyer for assistance with my home mortgage loan. My lawyer requested a loan modification and was told that I has already modified my loan in XXXX, which was not true. In accordance with the Affordable Home Act I should be able to modify my loan by reducing my 6.5 interest rate to current comparable rate. HSBC had continuous denied my request for load modification without any valid justification.
As a stall tactic for not having to remove inaccurate, outdated and Hippa violation accounts reporting to my credit report ; Equifax has place a 90 day fraud alert to my credit report and sent a letter to XXXX and XXXX advising them to do the same. I NEVER requested a fraud alert as the letter stated.