WillisBack/dataset-financial-user-claim huggingface dataset:
A co-worker and a male friend forwarded me a msg that was left on their work phone and cell phones stating that this was my final notice and that she needed my attorney to contact her by the end of the day. That is a form of harassment. The message came from XXXX, XXXX, the message was left by XXXX XXXX.
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXXXXXX XXXX Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX ( XXXX ) and XXXX and XXXX ( XXXX ). Im not sure when this happened, I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
On XXXX XXXX, XXXX, I wired {$8600.00} to a XXXX XXXX XXXX account. It was posted XXXX XXXX, XXXX but the receiver advised me that XXXX XXXX wanted me to request the money be returned to my account. I submitted a letter to my bank and they wired it the same way the money was wired. I have been in contact with my bank and XXXX XXXX since then trying to get my money returned. During this time, I have learned that the recipient has a history of wire scams that I was unaware of. The last correspondence was on XXXX/XXXX/XXXX with XXXX XXXX. Their representative told me that no one had access to the money and XXXX XXXX was still looking into the situation. As of XXXX/XXXX/XXXX, I have not heard from XXXX XXXX.
Date of incident : XX/XX/XXXX Date of emergency visit : XX/XX/XXXX Amount I have to pay : {$3100.00} Company I contracted XXXX XXXX from : XXXX XXXX. 
Collections company : Amcol systems Hello, I was told to reach out to yall regarding this on going issue I have been facing with XXXX  XXXX for almost a year now. 

I had dined in at XXXX XXXX in XXXX XXXX, tx and contracted severe XXXX XXXX that resulted in a very expensive emergency room bill. I could not eat or drink for 3 days nor work. When i went to the emergency room it was infact XXXX XXXX XXXX I had gotten from XXXX XXXX. I had never been that sick in my entire life. I have been reaching out to them since the incident to see if they will help pay for the bill. I get no return phone calls or emails from them regarding my complaint. When i do call and I am lucky enough to actually speak to someone they blow me off saying someone will reach out to me and it never happens. This is the same restaurant that was in the news for having bad temperatures in their freezers and having to discard thousands of dollars in bad food products. 

At this point my bill had been sent to collections and I have almost paid the entire thing off while I have been going back and forth with XXXX  and getting no where. I dine with XXXX quite frequently and also a member of XXXX select club and their XXXX XXXX club with the casino. I feel this is absolutely rediculous for them to treat customers this way and am reaching out to yall as a last leg for help. 

I do not feel obligated to pay this bill. I have been paying on my collections and have n't missed one payment. My account is up to date and in good standing however I have 2 derogatory marks on my credit right now because of this issue
Balance of {$310.00} showing in collections is now a closed account when the balance should have never been in collections to begin with because balance was covered under federal student loan
I have tried linking my TD bank account with my XXXX account so that I can buy digital currency. However, TD will not let me link my account with them.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
This account was opened to purchase XXXX XXXX. We have made our monthly payment every month. In XX/XX/XXXX, we received at letter stating that we owe quite a substantial amount in late fees. We call the company to be told that we missed a payment back in XX/XX/XXXX. I looked at my bank records and said no, we made the payment. The Credit Card Services stated that I was making my payments to early, so they were being applied to the principal not as a payment. I said I have never heard of anything so crazy and why did you wait until XX/XX/XXXX for something you thought was wrong back in XX/XX/XXXX? No explanation, just wanted us to pay the full amount of late charges. We have made a payment every month, everyone agrees that money was received from us every month. On XX/XX/XXXX we spoke with an American speaking representative that told us that we are caught up in a, " MISS POSTED PAYMENTS CYCLE ''. Meaning that we are billed out on the XXXX of every month, so we can only pay on our bill after the XXXX of the month because our payment is due on the XXXX of the month. I have been paying the bill consistently between the the XXXX to the XXXX of the month and they are adding late fees and additional fees for non payment every month, even though we are paying the monthly payment! The representative stated that she was filing a complaint with the company, but it will take up to 30 days to get a response due to the high volume of complaints regarding this credit card company! The credit card company has reported us as a late payment risk that shows up on my credit report now! 
We understand that we are not the first people this credit card company has done this to, we want the excessive charges dropped and removed and our credit restored with explanation and remove the late payment history. from my credit report to be made whole.
We purchased a home in XXXX and were underwater by XXXX ; received a modification which took months, but eventually had to list the home for sale in XXXX. The process with SunTrust Mortgage took over a year and a half to resolve with them asking for {$120000.00} to close. We said we did n't have that so then they asked for {$60000.00} ; we could n't do that, but the bank said we would need to sign a promissory note at closing. We felt stuck and did not want to disappoint the buyers, so we agreed. Currently, we are ages XXXX and XXXX and still paying from our pensions on a house we had to short sale in XXXX XXXX. We need some advise and assistance. Thanks.
We own a home mortgaged thru Greentree loan number # XXXX. We put it up for sale in XX/XX/XXXX. We were notify by the County that the key numbers were incorrect. We notify Greentree when we had a accepted offer thru our XXXX title company. They were trying to get the neighbors loan modify since XXXX loans were loans were with Greentree .Should be easy fix. Closing scheduled XX/XX/XXXX. Did n't happen. Green tree did n't work with it. Sent tile company that neighbors on XXXX XXXX behind on payment. Fired Title Company hired new now all research done documents sent they email yesterday and stated it could be 6 to 8 month before I can sell my home. I will lose my buyer they have waited since XX/XX/XXXX. I would understand if it was XXXX different mortgage co but the same. I have no idea who to turn to. All I want to do is pay off my mortgage and sell to these buyers. If it is not closed by the end of this month they will back out. XXXX XXXX
I have a loan with XXXX XXXX XXXX. I set up and auto-pay online. I assumed all was well until I received notification that my account was delinquent. They never emailed me on this matter even thought they do have my email address. They said they called but never reached me. The moment I found out about this I rectified the issue. Now my credit report shows a 30 day delinquency even thought their website failed to process my auto-pay. I have a 30 year credit history with no delinquencies. I would like this resolved due to the error on their side and their lack of contacting me to give me a chance to resolve the problem prior to going to the credit bureaus.
GM Financial, called my mother over and over again, I have written sworn statements from her that I will be using in court since they are trying to sue me. She repeatedly told them to stop calling her and any information that they needed would have to come from me. So they were calling her asking her do so know where the car was, and I was behind in my payments. What 's sad is they went to the measure to tell her that they would give her XXXX XXXX dollars if she told them where the car was. Now remind you my mother is sick and this was happening every single time they called her. Next, the repo man knocked at my door and my family member answered the door and told him the car was n't here then he told her well they going to sue her and start garnishment of her checks. she told him they have to do what they have to do cause it 's not here and plus she do n't work. I just think it 's sad for any company or someone working for the company to tell people in detail your business. I have people coming to court with me to tell the judge what was going on. So I gave the car back and it 's not like the car had to be towed from my house. The repo man drove it away the car was never damage or in accident so tell me how you sell a car for XXXX that 's being reported on there papers. But I have another paper stating that they sold the car for XXXX But XXXX went to the car to make it seem like I made a payment so they could keep it on my report longer I ca n't wait to go to court. I even asked for a payment history and they sent me payments history from XXXX till XXXX mind you I had the car since XXXX Then they sent me paper work with XXXX different amounts for repossession fees for XXXX on one paper XXXX on another paper,XXXX On another paper really which one is it. Then there is a assignment contract which requires Ameri credit and the car company to sign for this to be legal only the car palce sign the letter, which it states that dealer-seller and Americredit must initial well Americredit never signed it at all.
Without my consent, Equifax collect my private information and sold it without my knowledge or consent. They then released my confidential, private information to criminals who will use it to steal my identity. Equifax then tried to 'compensate ' my by 'offering ' 'credit monitoring. ' Equifax FAILED to even provide this 'credit monitoring ' in that they NEVER provide the promised e-mail so that I could register for this 'credit monitoring. '
Hello this is XXXX XXXX XXXX I'm still alive and crimes against me murder for hire and premeditated life sentence all properties through XXXX XXXX and bank our to be in my name with no restrictions also wells fargo accounts in my name I'm primary from beneficial account from XXXX XXXX mother who had two pages of lawsuits from XXXX XXXX XXXX XXXX XXXX is not primary all court orders and judgements in my favor either is XXXX XXXX primary or delegate or consertiver.XXXX XXXX account is in my name but refuse to give account number.XXXX fund is from XXXX XXXX in my name no ex wifes our entitled to any assets and would like to counter sue all against me for XXXX XXXX dollars for putting my life in danger and keeping my funds not giving back have no joint accounts anywhere XXXX XXXX is XXXX XXXX married to deathrow inmate XXXX XXXX.
In 2012 XXXX XXXX deceptively : - engaged in double cycle billing - improperly assessed my account a late fee, - in violation of the FCRA negatively reported to all XXXX credit reporting agencies the late fee I am attempting to re-finance my home, and the negative reporting is directly affecting my ability to refinance my home on better terms including a better interest rate, lower monthly payments, restricting my ability to refinance other debt. This is costing me significant amounts of money. Due to the deceptive nature of the credit reporting need XXXX XXXX to clear on all XXXX credit reports any negative history so I can proceed with getting ideal financing. This is directly affecting my reputation and harming me financially. 
XXXX XXXX was already faced with a {$210.00} XXXX dollar enforcement action due to improper marketing and billing, and I continue to be harmed by the deceptive practices XXXX XXXX was engaged in during that time. I need negative reporting cleared so I can proceed with a better financing of my debt.
An item showed up on my credit from a law firm Kimball , Trey & St John on behalf of XXXX XXXX XXXX. Saying that I owe {$6600.00} for an eviction. I contacted XXXX  and disputed the line item letting them know it was not my debt and for this to be removed. In retaliation they filed a levy on all property against me. I have never lived at the property. I had no idea about this until I received a Notification of Levy, filed XX/XX/2018, AFTER they XXXX XXXX out my bank account with XXXX XXXX. I tried contacting them but was unsuccessful. I have sent a letter demanding they provide CREDIBLE proof this is my debt. The levy they have improperly placed on my bank account and all property causes a hardship on my life as I only receive assistance from the state as I have a XXXX XXXX child I take care of. In addition this has greatly affected my credit report in a very negative manner.
XX/XX/XXXX XX/XX/XXXX : I requested validation/substantiation of a collection claim from XXXX XXXX XXXX XXXX XXXX in the amount of {$220.00}. No response was received at all, so I took it a step further and contacted TransUnion. ( followed the same steps for XXXX and XXXX, XXXX  removed the account after their investigation but TransUnion and XXXX continued to report this negative account on my credit report and hence this complaint. <P/>XX/XX/XXXX : I requested TransUnion investigate and remove the account due to XXXX XXXX XXXX XXXX XXXX failure to reply ( provided a copy of the letter that I sent to XXXX XXXX XXXX XXXX XXXX ). <P/>XX/XX/XXXX : TransUnion responded indicating that their investigation was complete and the item was verified. <P/>XX/XX/XXXX : I requested the method/explanation of verification in a very detailed letter. <P/>XX/XX/XXXX : TransUnion responded with a duplicate of the letter received datedXX/XX/XXXX, the only difference was the date. <P/>My request was completely ignored ; at the bottom of the TransUnion cover letter it indicates word for word, " if interested, you may request a more detailed description of how the investigation was conducted along with the business name, address and telephone number of the source of information. '' My requests were mailed certified, I am not only losing money but also spending time on detailed correspondence which is not read by a human, this is obvious because I am receiving duplicate automated responses.
I purchased an speaker and I told the guy I wouldhave to come back and get it because XXXX too big to fit into an car a truckwould have to pick it up I told himI would call him if i could n't get a truckand if so will he just give me an refundi asked all of this before i purchase thespeaker he agreed. I called the next day talk to thegirl that works with him I think its it his girlfriend shesaid he was n't in and she would tell himi want to cancel the transaction she said ok ikept calling him i would be told he was n't inhe only works on Monday so i calledon an Monday still he was never in. 
i disputed the transaction this owner told chase ileft with the speaker that was XXXX feet tall imonly XXXX XXXX tall and it would n't have fit in my carhe presented an different receipt looks as ifit was altered ( read letters ) enclosed in theend he sent in no more than me Chase went withthe XXXX man over me that i took this speakerand left with it he said we took the speakeri went to his store and i have an link of himNOW STATING AS EVER WHITE PERSONSAYS " A TALL XXXX UNKNOW MAN '' picked up the speaker HE USES THE '' THE BLACK '' CARD EVERY RACE USETO GET OVER! Your Exe. XXXX XXXX whoI feel is very Prejudice as he wrote mea letter stating HE WILL NOT GIVE ME ACREDIT I called and called this man overand over he never returned a phone or didhe answer the phone I sent him the video link tohear this liar that we sent a ramdon tallblack to pick up speaker when hejust told chase i took it with me orHasani did when i XXXX was theonly one to pick it up that iswhy all my info is wrote on receiptSOMEBODY IS GOING TO GIVE ME MY MONEYBACK PLUS ALL FEES OR THE SPEAKERSIM LEFT WITH A BILL AND NO ITEM THATWILL NOT WORK TODAY OR NEVERI WILL BE SENDING PAPER WORKSMALL CLAIMS SUEING CHASE FORSTRESS DOCTORS BILLS PAIN & SUFFERING MISSED WORK DAYS FOR THETOTAL AMOUNT I CAN SUE FOR $ XXXX. XXXX
I am filing this complaint against Trans Union. They are reporting fraudulent information on my credit report. I have tried to resolve this issue on several occasions via phone conversation, online dispute, and by mail. They wo n't comply with my requests. The items listed on my report are fraudulent. I am requesting that the accounts and inquires be deleted upon receipt. If this matter is n't handled in a timely response I am filing a class action lawsuit against Trans Union and reporting the agencies to the BBB.
I filed bankruptcy last year, and my home mortgage was discharged. I agreed to a loan modification through Wells Fargo. I have been making my payments on time, for about a year. I do receive loan statements, and the payments are being credited to my loan. Wells Fargo, states, they do not report payments, due to bankruptcy. I view this as unjust, due to, they are receiving money for this mortgage. I am not in foreclosure, and due plan to stay at the residence. I have n't received my payment history from Wells Fargo yet, or else I would be attaching. Before I filed bankruptcy, my ex husband did, while we were divorced in XXXX. I was on the loan, as well. Wells Fargo claimed me as part of the bankruptcy, and did not report my payments. I had not filed bankruptcy until XXXX. I contacted Wells Fargo, and all they did is give me the run around. My lawyer was supposed to reaffirm my debt, but all I got from their office was a run around. I basically got screwed on all accounts. I just want to rebuild my credit, and notify Wells Fargo, that the money I pay into their company, reflects on my credit report. I 'm paying them the mortgage, they are receiving my money. This is not right. Important information, my name is shown as XXXX XXXX on loan. Married name.
My Case number : XXXX. I submitted a complaint by in XXXX of this year. Since then we have been trying to do a loan Modification with Select Portfolio Services. We continue to submit documents and resubmitting. On 6 different times I have request the SPS send us the transfer of the Trust Deed for every time my loan has been sold. Twice in writing and 4 times on the phone. I have also request my complete payment history from the origination of the loan. Finally this week they sent me the payment history dating back about 3 years ( the loan was originated in 2007 with XXXX XXXX ). I have never received the Trust Deed or the complete payment history. Yesterday we were sent a notice that they were filing a notice of default and setting a sale date, and we thought we were negotiating for a loan modification. We ca n't understand how they can file a notice of default if they refuse to supply us with the required documentation.
On XXXX XXXX, I submitted a reply to Capital Management Services , LP 's letter received around XXXX XXXX of XXXX, regarding their intent to resolve a delinquent debt of XXXX. This debt was charged off by XXXX. I recall working with Capital Management Services in the past around XXXX, I believe. Then I was XXXX. The debt then went to another collector from somewhere in Texas. The name of the company was XXXX XXXX XXXX XXXX XXXX I was contacted by them around XXXX in the spring. I requested a verification of debt letter. Instead, it appears after two years, they passed the debt back to Capital management. So, this was when I submitted the debt verification letter to Capital Management. They acknowledged receipt of the letter. I have taken pictures of the certified letter I sent. But instead of responding back to me, they contacted my co-signer and told them I was not willing to pay and demanded the full amount from them.
I began this process in XX/XX/XXXX. We are currently in XX/XX/XXXX. That is 28 months now. I feel like I am being stonewalled and they keep asking and asking and asking and asking for documentation that I feel I have already provided and which should be obvious for them to find by looking at the tax returns which I have already provided. I really would like this thing to wrap up as 28 months is a long time to wait and every month that this doesn't get done it is ruining my credit and making it difficult to impossible to conduct normal business.
On XX/XX/XXXX a XXXX Country Sheriff went to my parents house in XXXX, PA to an address I have not lived at it over 5 years, nor the address on the account in question. I was immediately contacted by my parents, and reached out to the sheriffs office to find out what paper were being server. The papers were a lawsuit filed by Portfolio Recovery Associates LLC for a debt from a overdue credit account. They would not provide me with the details of the account information. They continued to call my parents house after the sheriff was told I no longer lived at that address. On XX/XX/XXXX I contacted Portfolio Recovery Associates to make payment in full for the debt to resolve the issue from my credit report. The payment was verbally authorized to be made on XX/XX/XXXX. As of today the payment still has not been withdrawn, and when I contacted Portfolio Recovery Associates I was told, " We 'll see you in court. '' And hung up the phone. I 've filed a dispute with XXXX, and Portfolio recovery is now causing damages to my mortgage application, because of not accepting payment in full. I have filed a stop payment order with my bank and I will not continue correspondence with this company. I only made the attempt to pay it off to avoid legal costs and have it removed from my credit report.
CBE group keeps harrasing a family member at the number given. This family member is not the debtor. The debt is for XXXX XXXX / XXXX XXXX TV, and is disputed. The collector at CBE violated the FDCPA and told the third party family member about the debt ( creditor, amount, and my ssn! ) Please investigate this company. CBE group, XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX website wwwcbegroup.com They call multiple times per day, one of their fake phone numbers is XXXX