WillisBack/dataset-financial-user-claim huggingface dataset:
You mean the short version : we fell behind on our mortgage because and storm damage insurance claim was denied and we were in the midst of the double dip recession XXXX and a severe reduction in income. Since then we applied for a mortgage modification with CitiMortgage. I started keeping better records as of XXXX XXXX, XXXX, I have since then kept all copies of submitted documents. We respond either within hours, if a few documents are required or within a few days of XXXX-XXXX pages are requested. It seems after each submission latter part of XXXX we would receive email/mail stating : 'your file is now complete and has been forwarded to the underwriter ' Then some time later we get the request for more documents, which we supply. By then of course some other documents have expired, so we send those updated documents again. Then, of course they change the person in charge of my account and so on and so on. This has gone on for over a year with no end in sight. Sadly and in addition to this cruel and unusual punishment, my income, which had been reduced to negative ( my company 's gross was reduced by 90 %, therefore I lived of savings ... .they are now exhausted ) is now coming back. Yes, we are quite behind and it will take a few years to catch up, however, we can now afford the mortgage. We just can not afford to catch up on XXXX late payments. We keep asking, begging for a solution but none seems forthcoming. Should this go on for 2 years? Five years? Is there any limit? 
Of course this the the very condensed version, I can submit a much more detailed timeline with ALL supporting documents. I will attach an early XXXX as well as this year 's documents. We would gladly submit copies of ALL documents for XX/XX/XXXX-XX/XX/XXXX but that might have to be vial XXXX on a jump drive.
Last night on XXXX/XXXX/15 at XXXX XXXX, a sallie mae account manager named XXXX XXXX called my mother 's XXXX neighbor ( first name XXXX ) and disclosed my personal student loan information on a voicemail. They were attempting to reach my mother regaind my loans. They have been harrasing me and my relatives with repeated phone calls and have now illegally contacted an outside party and revealed confidential information.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Calls 4-5 times a day, leaves a message not saying who they are, and when I do answer they do n't say who they are and ask me to hold to talk to someone after talking to someone. I get calls at random times of day Monday - Sunday. Even worse is my loan is t late. They call for payment on a loan that is current.
XXXX {$680.00}, {$510.00}, {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX   or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I received a phone call from Navient in XX/XX/XXXX asking to speak with my brother. I explained I did not know how to contact him and asked that I not be called again. On XX/XX/XXXX, I received a second call, from XXXX. She left a message. I received a third call today, XX/XX/XXXX at XXXX. XXXX left me a voicemail. 
I called back and was informed by XXXX that because navient is a private company, the fair debt collection practices do not apply to them. She then told me that she was allowed to call me as much as she wanted to. And that no one has ever called me before. At the end of the conversation, XXXX did agree to remove my number from the file. 

According to the fair debt collection practices, a debt collector an agency my only called family member one time, Unless the family member request a call back. I did not request a call back and do not want to be called by navient.
I was contacted by I.C. Systems Inc around XX/XX/XXXX about a XX/XX/XXXX medical debt. I have not not heard about this debt so I wrote I.C. systems a certified letter requesting additional information and asking them to verify the debt. I have not received any responses, but instead, have received another collection letter threatening to escalate the issue to their attorney for not attempting to pay or resolve the issue, which is a lie. Today, I sent 2 more certified letters, one to their XXXX XXXX and another to their physical address. And, they reported this debt to the credit bureaus incorrectly showing a Date of Delinquency of XX/XX/XXXX
Debt was submitted for dispute longer than 30 days with paid information. I have not received any answers from the debt collection agency nor XXXX XXXX ( known as XXXX wireless ) The debt was fully paid to prior collection agency in the total of XXXX. I have submitted such proof with proof of the settlement with the collection agency. XXXX is failing to remove the collection out of my credit report or simply report it as paid. I have made every attempt to contact the collection agency and XXXX ending with no result.s
In XX/XX/XXXX Transunion had deleted several inquiries from my credit report. I have now come to find out upon reviewing my Transunion credit report that the same inquiries that had been deleted have all been reinserted without any notification. Upon further looking into this matter it us my understanding that they did not legally add those inquiries back on. Section 611 under the fair credit reporting act states that anything deleted from my credit report and then reinserted must be notified within 5 days after such action is taken. I never received anything. I have called them and have been told that they can not help me and was told that it was a system error on their part but that it is now fixed. It is my understanding that Transunion did not go about this the legal way which is why I am now submitting this complaint. Please the list below of the inquiries that had been deleted and then added back on. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I submitted documents for a HELOC, and the lender ( BECU - Boeing Employees Credit Union ; Routing # XXXX ) lost them. The loan application expired w/out the lender making me aware prior to expiration.
I purchased a used vehicle from XXXX XXXX in XXXX, IL. around XX/XX/XXXX. A week after the purchase I came to realized that it is a Used Lemon vehicle. The vehicle has been serviced by their auto mechanics 4-5 times in regards to the same issue ( Engine and Cooling system ) and had to pay {$350.00} deductible each time, it has been address to the company 's customer service along with the Finance Company ( TOTAL FINANCE, LLC. ) and the person and his manager that sold me the vehicle. I have already invested a little more than {$4500.00} in repairs for the same issue. It was sold to me at an interest rate of 29 %. Well getting to the issue, I have been trying to get in contact with the finance company ( as of XX/XX/XXXX ), to do a voluntary surrender of the vehicle, I already explained that I can no longer afford the vehicle payments and also can not afford to be making more repairs. They have been refusing to talk to me, after leaving voicemail messages to contact me, but have been calling my wife 's cell phone non-stop and also sending her text messages, and even threatening her that they are going to get a hold of her social security number to garnish her wages. She ( My wife ) was also told that they are not even interested in doing an voluntary surrender. As of today, she has received 5 phone calls from the company and so far 1 text message. The XX/XX/XXXX information clearly states that I 'm currently the 7th owner of the vehicle, and the rating is XXXX, the vehicle is only worth less than a {$1000.00} for trade in or to sell. My payment was due on XX/XX/XXXX, I 'm only 10 days late.
My family share plan with XXXX started XX/XX/XXXX. XXXX lines, XXXX,XXXX,XXXX,XXXX. XXXX lines out of XXXX had expired contract ( no contract binding ) and the other would have expired XX/XX/XXXX. XXXX had offered me free phones with a 2 year contract renewal, but the phones they sent us were not what we expected so I returned it with in the 14 days. We had no service with XXXX as of XX/XX/XXXX. But XXXX decided to charge me for XXXX cancelled contracts for XXXX phones ( XXXX. X XXXX = {$680.00} ) which were returned within the time limit. 
XXXX then had sold the false debt to Pinnacle ( debt collection agency ). I contacted XXXX, spoke to XXXX XXXX and Supervisor XXXX but they said they can not do anything about this because they sold it to Pinnacle collection and I should dispute it with them. Pinnacle said they can not do anything about it and that I should go to XXXX. XXXX SOLD A FALSE DEBT TO PINNACLE TO PUNISH ME BECAUSE I LEFT THEIR COMPANY AND WENT TO THEIR COMPETITOR XXXX on XX/XX/XXXX. Receipt attachedLINE ENDING XXXX CONTRACT ENDED XX/XX/XXXX. Contract was cancelled 4 months before expiration date. Charges should have been prorated. ( XXXX x XXXX = XXXX XXXX XXXX not only sold a incorrect debt to Pinnacle but report and damage my credit for four years plus. If they had sent me a bill for XXXX, I would have paid it immediately. Please stop this cheating company from cheating the average people of our country. 
Thank you
My wallet was stolen on XXXX XXXX 2016 with all my information social security, debit and credit cards, Drivers license. The perps have used my social to open credit card accounts under my name I 've reported the situation to the credit bureaus I 've placed a fraud alert and only transunion has deleted the fraudulent inquiries I 've had about XXXX inquiries since XXXX XXXX and XXXX account was opened. I 've reported this to the FTC and my local police I 'm a victim of identity fraud and I need help. The perpetrators address has been added to my own credit report as if it 's mine.
Chase put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly I badly need help to get it removed from all my credit reports and stop this harassment.
I contacted PayPal XX/XX/XXXX and communicated with them throughout the morning on my request to have fees totaling {$61.00} returned to me. They are unfairly charging me a fee for requesting money from a close friend paying me rent. Where I used to have the option when requesting money to select friend/family or goods/service, I no longer have that option. Instead, I can only request the funds, with no disclosure that a fee will be accessed based on what the payer selects when they approve my request. Further, on the payer end paypal has admitted to me that it defaults to good or service, as opposed to prompting the payee to select. This results in the payee, if quickly trying to submit a payment, to be unaware they have more then one option. Their only solution is to return the funds to the original payee and have them resubmit the transaction. Further their final communication with me told me they would not be refunding the fees and they have failed to acknowledge the disclosure issue. PayPal should be allowing the requester to select if its friend/family or good/service and the payee to approve or deny before sending the funds. In addition, PayPal used to give the option for the requester to select friend or family but changed it without sending out proper notification to customers and then referred me to a different site to read about it. And finally, I had to send screenshots to representatives to prove that you could not select friend/family on the requester side because they weren't aware the option wasn't available to customers. Simply put, PayPal needs to have disclosures that the consumer can agree to before submitting. Even if they had a disclosure that said " a fee could be charged based on the options selected by the payee '' that would alert the requester would be sufficient.
XX/XX/XXXX I opened : " XXXX '' I used a credit card issued TO MY XXXX from " XXXX '' bank out of XXXX to purchase inventory. XXXX XXXX went BANKRUPT in XX/XX/XXXX-XX/XX/XXXX. My XXXX was unable to pay its debts and through court action was taken from me. " FEDERATED CAPITOL '' acquired all the toxic debt of XXXX XXXX, including that of " XXXX. '' Federated has repeatedly called, sent letters & issued summons to court three times. Once in XXXX, once in XXXX XXXX XXXX, XXXX, XXXX and recently XX/XX/XXXX ) attempted to place a LIEN against me through XXXX County Court, XXXX, XXXX. I have written Federated, spoken to them, hired a lawyer who contacted them. They refuse to drop the issue.
On XX/XX/XXXX Capital One charged of a debt of {$420000.00}. On XX/XX/XXXX I receive a letter from XXXX XXXX the debt is now owed to then for the amount of {$4200.00}. On XX/XX/XXXX I receive a letter in the amount of {$4300.00} that is owed to them. On XX/XX/XXXX I receive a letter from XXXX XXXX now I owe them {$4300.00}. A Greater balance of {$87.00}. On XX/XX/XXXX I receive a Summons and Complaint from XXXX thru XXXX County Court in the amount of {$4400.00}. XX/XX/XXXX I receive an Order To Appear before Commissioner, balance now is {$4700.00}. Now the balance is greater by {$460.00}. The next time I hear from XXXX in the form of a Garnishment Notice dated XX/XX/XXXX in the amount of {$7200.00}. Next is the Garnishment Notice to collect money on rent in which I was not even collecting for the amount of {$6700.00}. Another Garnishment Notice in the amount of {$6100.00}. Then another Garnishment Notice on XX/XX/XXXX in the amount of $ XXXX.Several letters and correspondence I receive regarding this debt have amounts that do not match. Leading me to believe they have significantly inflated this debt as to they see fit. On XX/XX/XXXX I file a complaint with your agency. A response letter fro XXXX states that as of XX/XX/XXXX the date of their letter the amount is $ XXXX.The Garnishment in XX/XX/XXXX states XXXX. A letter Capital One responds to you, dated XXXX that XXXX XXXX XXXX charging interest on this debt as of XX/XX/XXXX. You will clearly notice the interest is higher on each garnish notice to date. An e-mail between my Payroll and Benefits states as of XX/XX/XXXX XXXX tells them the amount is {$6100.00}. I have now paid {$3000.00}. Then on XX/XX/XXXX XXXX states the amount is {$5000.00}. To this date I have had garnished the amount of {$4600.00}. Then on XXXX/XXXX/XXXX I receive a phone call from a male regarding this debt. I am not able to discuss this matte since I am in the woods and do not have access to any paperwork. The male then becomes threating as to say it would be in your best interest to discuss and pay this debt. I have a lawyer who they need to go thru for any other contact then court documents, this law was broken. And also the threat. I believe they carried out the threat by serving me another Order To Appear to the Commissioner. This meeting was schedule in the furthest point of XXXX County WI. Making me drive the farthest as possible to inconvenience me. During the meeting they were by phone. They asked me questions they already knew and not once asked for the taxes, paystubs, or bank statements they requested. This was just to inconvenience me and charge me another {$100.00} for court proceedings. My wife was present who was not part of this debt they say I owe. They then harass her asking her questions about her job and wages threatening to come after her. They clearly can not do this.
Step XXXX above did not provide a choice that covers my issue : Equifax used the " Inquiries that do not impact your credit rating '' from my credit report as " hard inquiries '' ( their term used when I questioned them over the phone ) when coming up with my credit score. Key factors listed as adversely affecting my credit score on a recent residential mortgage credit score notice included " too many inquiries last XXXX months ''. On my Equifax credit report, I have XXXX inquiries listed under " Inquiries that may impact your credit rating '' and there are XXXX inquiries listed under " Inquiries that do not impact your credit rating ''. I did not initiate any of those XXXX inquiries. I believe all of those XXXX inquiries to be marketing related. Equifax is not being truthful in the wording on its credit report. When I questioned this practice, instead of acknowledging that the wording on the credit report states that these XXXX inquiries should not impact my credit rating, they tried to sell me their monthly credit report privacy service at $ XXXX/month as the only way to resolve this type of thing from happening, or I was told I would have to contact each of the companies making the XXXX inquiries not to access my credit report. There is no way to dispute this with Equifax in its dispute process.
I have recently made a transaction on XXXX XXXX. The receiver in XXXX informed me she has not received the money yet. I contacted western union and they told me that the transaction was declined and the refund will be made within 7 business days. After 7 business days i called for the follow-up, they told me there was an issue to the refund, and asked me to wait 7 more business days. After a third 7 business days, i called them again and the agent asked me to wait another 7 business days. They told me the same thing for the fouth call. Today, i call them for the fifth time, and they still ask me to wait 3-5 business days.
Estoppel letter dated  XX/XX/XXXX, was presented to  The Thomas agency as a result of their default in dishonor, via tacit acquiescence, regarding  previously served  Cease and Desist / Verification of Debt  of which was received by their office  XX/XX/XXXX, substantiated by certified receipt  XXXX. The Thomas Agency (Collection Agent) was legally  estopped  from  collecting and or  reporting any/all of those alleged debts listed in Attachment XXXX, And yet, as of XX/XX/XXXX, the Thomas Agency continues to  illegally report  these alleged debts as though  they are valid to all XXXX credit bureaus. Those alleged debts the Thomas Agency continues to report have never been validated though request for validation has been made over and over again. XXXX written request for validation was sent to the Thomas Agency XX/XX/XXXX with no response. A XXXX request for validation was sent to the Thomas Agency XX/XX/XXXX,no response. A XXXX request for validation was sent XX/XX/XXXX, no response. Last request sent XX/XX/XXXX, no response.
I have an inaccurate account on my credit reports from a Fair Collections & Out Inc I called them and they keep giving me a number to call another collection agencies about the account but they stated the account is n't with their office
I was contacted in XXXX of XXXX by a Cedar Financial that I had a {$330.00} ticket stemming from a trip to XXXX in XXXX of XXXX. He threatened to report it to my credit when I said that I never was pulled over or was issued a ticket. He said that I was photographed in a high congestion area and that I was given a ticket that now had several late fees associated with it and I had better pay it now. They have called me incessantly since, even after I told them that I needed to see evidence and I certainly was n't responsible for late fees when in good faith, I had no knowledge of this ticket and dispute that I was in that area.
I have been struggling to make payments so last year I tried filing for repayment plan based on income which was n't successful. I have been making the monthly payments now for a year but they havent made a dent if anything my loans are increasing this has been going on now for 8 years
XXXX. I had intended to purchase a home warranty through XXXX XXXX with the purchase of my new home. I placed multiple calls to them and had a few conversations with various persons who promptly transferred me on to another person who did not answer. I left many voicemails during the period of XXXX XXXX thru XXXX XXXX. Through continued attempts by pushing option " XXXX '', I was promised return calls and the XXXX I received said my warranty would not cover the issue for one reason or another. At one point they even said someone came out for a second and said there was no drain clean out so it would again not be covered. I was workingfrom home and could not have missed I could not have missed them had they come. Furthermore the drain cleanout is at the front of the home, visible from the road. 
I had what appeared to be a pool leak. After many many calls they agreed to send out a pool person who was to contact me before coming. I was present at the home but he did not call. He did not look at my pool or at anything besides the pump which was, and still is operating just fine. I have a witness to this encounter. 
The company left me a message that this also would not be a covered repair as he reported that I had a leak in the solar panel. That is on the roof. He never looked at it. And that my pump had overheated and therefore it would also not be covered. My pump still is working fine. I never reported a pump issue. 
As I said I made many attempts to discuss the issues but they are obviously not staffed well enough to answer the calls and the person that no one can reach only works til XXXX Pacific time ... 
I opted not to purchase the warranty due to very poor, dishonest service and contractors. I never bought the warranty. They have attempted to bill me for XXXX and sent XXXX to collections, which is now XXXX. I am now being contacted by Transworld Systems Inc, repeatedly and they have yet to demonstrate that I purchased the warranty.
I live in TX and according to my research ( XXXX ) collectors have up to 4 years to contact me about a debt. XXXX XXXX XXXX XXXX is contacting me about a debt that was charged off in approximatley 2003. And Dynamic Recovery Solutions is also contacting me about a debt that was charged off approximately 2003. 
I believe these tactics are very decptive and I wish them to stop.