WillisBack/dataset-financial-user-claim huggingface dataset:
I have previously disputed this credit card account from XXXX with both Transunion and XXXX. I have disputed the account several times and each time receive a different response from Transunion. The updates/responses I have received are- no payment information provided on my report or incorrect payment information reported on my account. I have also written to XXXX asking them to provide me with the payment history on the account and to verify the accuracy. I continue to get the same form letter from them which is attached as a file below. 
This account was charged off in XX/XX/2009, it has been charged off for more than seven years and should be deleted from my Transunion credit report. I have experienced re-aging on this account multiple times. And seen from the screenshot below there is no payment information attached to the account right now just a last payment date which is not accurate. 
Please delete the XXXX credit card account from my Transunion report.
I took out a loan with XXXX and was making my payments on time and never missed a payment up until the time I fell on hard times and loss my job. I then ask them to stop debiting my checking account on the date they were taking it out. I ask the company if they could work with me and change my due date but they told me they could not because I did n't have enough funds to renew my loan. I explain that I did n't want my loan renewed I just simply needed my date change because my pay period had change because I change jobs with lesser income. Myself an my husband had an acooutn with this company but they were not willing to work with us. XXXX is a member of the community financial services as a member they agree to offer an extended payment plan to consumers but this was not offer to my husband and I and the change of the date was not offer to us. So after stopping the payments to be drafted out of my account I no longer heard from the company, now today XXXX I get an harassing call from XXXX telling me they are placing a claim against me and the original creditor was XXXX. So I asked XXXX XXXX when he called me from a south Carolina number could he send me correspondence in the mail about this debt so I can look over the amount and see if this is correct and they I can get back with him. XXXX XXXX then gets loud with me and told me I had enough time to get in contact with him to settle the debt I then told him me or my husband that the account was sold to them and I would need to look over the debt before I made a statement. XXXX XXXX told me that he would do what he had to do and good luck. I said ok sir. XXXX XXXX then calls back 5 minutes later and says mam what exactly are u going to do. I said sir I ask for correspondence in the mail about this debt and within 30 days I will give you a statment. XXXX XXXX was loud and not willing to work with me, so I ask that he did not call be back. XXXX sold our account to this XXXX XXXX XXXX and I was not aware and they never offer us any payment plans or anything during our financial hard time. I want the calls to stop and the account be written off due to lack of communication from XXXX and not offering us any type of assistance to help us with this account.
I disputed multiply addresses on my report that i haved never lived, and they wont come off.
XXXX XXXX I was approved on an individual basis for an American Eagle credit card through GE. According to Regulation Z page XXXX ( under XXXX years of age ) and page XXXX ( under limitations on fees ), I was approved on an improper basis. I was under XXXX at the time, with no income, job, or assets. My ex fiance at the time was also approved for a card on an individual basis in which he was much older than me with his own business, house, mortgage, car payments. He paid for everything minus what little cash I obtained from doing paper work for his business at the time to pay on this credit card with an APR of more than 25 %. I feel that I have paid enough interest and actual payments on this debt to cover the whole {$2800.00}. I was n't actually earning my own income until XXXX. In the meantime I had gone to school and obtained my own job. I now am a XXXX student only able to work 10-15 hours/week, car loan payments through my bank, a personal loan I paid off 2 years ago for an internet scam I was involved in, monthly rent, electrical bills, phone bill, tuition loans I have through my college. Not to mention I am on government food service assistance. This debt that I was more than loyal to for years should be relinquished. There is no way I can afford this amount whether it be in small payments or not. I have paid my share and feel that I was approved for this credit card in error from the beginning, based on my ex fiances assets and credit score. As if being a XXXX student is n't stressful enough, I have been stressing about his debt that is hurting my credit score!
U.S. Collections West, INC did not respond to everything I asked of them with the CFPB. I 've conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. <P/><P/>According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28
I do have a very good credit ( maybe an excellent credit ), but I can not run my credit or get a credit score or a print out because I do not have a Social Security. I apply for my credit cards more than 10 years ago using a ITIN # or Tax Payer ID #, I used to run my credit report or credit score without problem and now I ca n't. I feel discriminated ... DISCRIMINATION it 's a horrible feeling ...
I have this loan opened under my name, This is a fraudulent charge, I have never opened any kind of loan with this company.
The property went into foreclosure and I was contacted by this company directly with a guarantee to get a loan modification and adjusted terms on the mortgage. The office kept contacting to make an appointment to go to their office, finally a representative came to the property even though I had tried to cancel the appointment. I initially paid {$500.00} at the first meeting and signed a contract with the company trying to save my home. Throughout the process I was not happy with the service provided so I decided to then contact the lender and found out there was a sheriff sale scheduled. Information was only being accepting by the lender from the third party. I paid {$2000.00} to XXXX XXXX for XXXX aka XXXX XXXX XXXX XXXX. Throughout the process they were very confrontational and even more so when I asked for a refund. They only offered to provide 50 % of what I had paid back which I have declined because upon further research and working with a housing counselor I determined I should have never had to pay for this due to being mislead. When I asked for a full refund the owner of the company " XXXX XXXX '' contacted me and screamed that they did lots of work and I would not be getting my full money back.
I was over 90 days behind on my mortgage payments to Wells Fargo when the issue occurred. I received a letter from them stating that they had information that my property may be vacant which may effect my insurance. On the morning of XXXX XXXX, 2016 I called them and explained the home is a rental and was rented as of last month and is not vacant. I asked if they needed a copy of the lease as proof and they said no, they would update their file. That evening I received an irate call from my tenant stating someone came to the house with an order saying the house has been foreclosed, they needed to vacate, and they were there to change the locks and winterize the home. The people had my name and papers the tenant described as an order. I called Wells Fargo and asked why they are sending someone to my house when I just confirmed with them the home is occupied. They said it was a home preservation service. I explained my tenant is now under the belief my home has been foreclosed on now and they must vacate. If they leave I will not be able to make payments and I will lose the house. I complained to Wells Fargo and spoke to someone in the office of the president. They said I would be contacted in 48 hours about my complaint. As of today no one has contacted me. 

I feel Wells Fargo sending someone to my house to tell my tenants the home had been foreclosed on and they had to leave is an unfair and unethical business practice.
Hi! 

I have a mortgage with Carrington Mortgage on XX/XX/2018 I set up automatic payment arrangements to catch my mortgage up, because I missed my XX/XX/XXXX Payment due to being off work for a medical emergency without pay. These payments were scheduled to come out automatically on XX/XX/XXXX, XX/XX/XXXX and then I would have to call in for the XXXX payment. The payments came out as suppose to for XX/XX/XXXX, however the XX/XX/XXXX payment did not come out on XX/XX/XXXX so on XX/XX/XXXX when I realized it didn't come out I went into the payment portal and made the payment online myself. Well on XX/XX/XXXX, Carrington tried to process that payment as well as the one originally scheduled which caused my bank account to go into overdraft for one of the payments and it was returned. The payment that was automatically scheduled was paid with funds in my wells fargo account that day. That amount was XXXX. I found out in XX/XX/XXXX, that Carrington is now saying they received no payment in XX/XX/XXXX, and that it was returned. This is not the case. Only the payment that I tried to make when the original payment they were suppose to pull didn't come out on time. The payment that Carrington automatically deducted did come out and I have a bank statement showing that deduction. I have contacted Carrington numerous times about this payment and have told them and explained what happened, and I was given a fax number for their research and investigation department. I sent them a letter explaining what happened and a copy of my XX/XX/XXXX bank ledger directly from the bank. As of today XX/XX/2018 they are still saying they have no record of that payment at the mortgage company and that it is being researched. I am making a payment today, but because of this it is still showing me one payment behind which is not true. Thank you for your help.
In XXXX of 2018 I was contacted by the debt collectors, Coast Proffessional Inc, about a payment arrangement to settle my defaulted student loan. I agreed to the terms and the payment plan which was {$37.00} a month and they would stop my paycheck garnishment and get my loan out of default. Despite our agreement Coast Proffesionals Inc took my Federal income taxes of {$4300.00} even with me paying my {$37.00} a month as we agreed. I am a single mom who has lost her job as of XX/XX/2018. I have no other way of supporting myself and my child. I called Coast Proffessional Inc and discussed this with a manager. He let me know that I should have received a notice that this would happen but with me telling him I never received such notice, all he could do was be rude and repeat that I was still in default even though I am on a payment plan. As I stated above, I am a single mother with no income. My daughter is still in diapers, needs food and is starting school soon. It is not fair to leave us stuck in this bind without notice.
I recently reviewed my credit report and found a debt in the amount of {$990.00} that is being reported by a collection agency by the name of AR Resources..this is not my debt.
This is a complaint against Chase Credit Card Business. The reason is that I am in a state of shock I do n't know the reason for you taking the decision to close the credit card of business for my company without contacting me in anyway to warn me or explain to me why they are doing this. They took a very drastic decision, violating my rights as a costumer. I consider that the decision they took is out the protecting of a consumer. I consider too that it is a disrespect towards my person and discrimination and lack of ethic financially. They closed the account and only sent me a letter after already closed that does n't say anything about the reason why they closed that account, because it is because of the letter I have a credit score XXXX which is a good score, I have been rightly paying of the card, so I do n't understand why you have abused of this and me and making me look like an XXXX and the card being declined without me knowing anything about it. I want to know if this is going to continue because Chase Auto has approved a car very expensive, that I have also paid off, I do n't want it that one day to find out I do n't have a car like you have done with the credit card. What type of institution have you have to be to be like this to the consumer where the consumer is in the right. What else do I have to wait from you? That you take my car and my house? Already that I have had a lot of products with you. I request that you clarify why you have closed my account and if you are going to continue this?
After checking my credit report back in XXXX, and receiving a phone call from XXXX XXXX, XXXX, - I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls prior to pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency XXXX XXXX XXXX XXXX advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX, XXXX - I am not liable for the collection of the debt from XXXX as this debt is not mine. I have been disputing this inaccurate information since I first found out about this fraudulent information and they have not removed this information from my credit file, nor have they understood that this debt does not belong to me. They have called and harassed me about this debt day and night. This has hurt me severely in regards to obtaining credit. XXXX XXXX, XXXX states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). XXXX XXXX has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
I have a loan that is being serviced by Sertus ( XXXX ). I received XXXX statements with an adjustment of principal. I have been informed for the XXXX time that the company does not amortize mortgages, and as such, can not furnish me with an amortization schedule. If the individual is not making any additional principal payments, this would not be a problem. However, I do make extra principal payments, and by not amortizing the mortgage, the mortgagee will be paying interest on a nonexistent principal balance and will be overcharged as a result. I have attached the following mortgage statements. As you can see there is an adjustment of principal paid, but no adjustment to the principal balance. My work number is XXXX. My mailing address is on the statement. Please advise as to what action you plan to take with respect to the above. 
XXXX XXXX, XXXX
I submited a complaint yesterday XX/XX/2016 and you are having problems finding cco morgage they a part of citizens bank and my complaint number is XXXX
I was being fraudulently charged for a gym membership that I had cancelled over 1-year ago. Throughout this year of additional charges, I had called Chase 6 different times to explain that I needed them to block the fraudulent gym membership charges from going through on my credit card. Chase failed to block these charges. As a result, I reported this to the CFPB. When Chase found out I had reported them to the CFPB for failing to protect me as a consumer, they raised the interest rates on my credit cards as retaliation. I just got a notice this week saying my interest rates went up. Chase provided no legitimate reason for raising my interest rates ; the company did this solely to punish me for reporting their previous behavior.
Even we create an online profile, it asks for verification/confirmation before it really creates profile. This is a case of money transfer. One button click, you are in TROUBLE. This is what happened with meI needed to redo my website design so put an advertisement on XXXX. I was contacted by a person " XXXX XXXX '' from a " XXXX '', " XXXX ''. When I asked his PayPal account for payment, he gave me as " XXXXXXXXXXXX ''. 
When I try to pay him by PayPal, It asks me email address and Amount. When I click next button, I see confirmation by Name " XXXX XXXX ''. Oops did I do a mistake. When I realized it is big mistake ..., I am in real trouble. 
PayPal did not alert/confirm me, the person I am sending money is the real person. No alert/no confirmation message/consequence, nothing. 

On confirmation message, it says if you want to cancel, you can do with in XXXX minutes but I do n't see any option to cancel the transaction. Called customer service with in XXXX minutes of my transaction, they say money is gone to receiver 's account. You could file a claim for refund, if receiver return then we will return money back to you. 
Otherwise if receiver verifies that he is " XXXX XXXX '' and deserve the money, PayPal will not take any action. My concern not with " XXXX XXXX '' or " XXXX XXXX ''. In this internet age, it is hard to verify a fraud. At least as a customer, I should have alerted before transaction made. I would rather should be alerted whatever PayPal customer service says the consequence. 
People can do a typing mistake simply a wrong email. One button click, you are in TROUBLE. Why not PayPal do simply says a confirmation message ....
XXXX  and Experian has continued to report an inaccurate and unverified bankruptcy that has no accounts included to support it. I have sent in notarized dispute letter after dispute letter with a document from the court stating that the federal bk court does not furnish any information to credit reporting agencies. XXXX XXXX is suppressed. They will not provide me with any verification of proof that I have requested. One rep from Experian told me over the phone while checking on a dispute that they don't have to provide anything to me. I said that's a violation of section 609 and you have up to 15 days to delete this bk but she did not.
The charge from XXXX / {$700.00} that I do not owe because I do n't have XXXX nor have I ever had XXXX
I was contacted by Phoenix Financial Services on my business phone during business hours. They called serval times and hung up after each ring. They asked that I verify my personal information, I refused and asked that they verify who they are and why they are calling. The rep refused to provide any details about the company. He stated that I owe a medical bill to them but would not give me any information about the alleged debt or the medical facility where the services were provided. ( I owe no one! I have Insurance that covers all my medical needs ) He mentioned someone else 's personal information mixed with some personal identifiable information of mine. This sounds like a merge of information!! I'm not sure. I don't know who Phoenix Financial Services are AND I've seen where they have been sued many times for their deceptive and aggressive collection practices. I will report them to any and every platform. ( XXXX ) ( XXXX ) ( CFPB, YOU GUYS ) and the ATTORNEY GENERAL. As I have RIGHTS as a consumer! ( FDCPA ) ( FCRA ) ( FTC )
Our home was flooded by Hurricane Florence and our Flood insurance company sent us a check in our names and the mortgage company Nationstar Mortgage d/b/a as Mr Cooper.

I registered my disaster claim with Mr Cooper on XX/XX/XXXX and received a Tracking number and information. 

I have been asking questions for more accountability and transparency of them for how my claim check is going to be handled, such as : XX/XX/XXXX Why is my claim monitored diffently then my flood Matthew disaster? I was told Fema guidelines and because of the amount of my check. Is my money going to be placed in a interest bearing acct.. I was told no. Later I am told yes. Every time I call the special disaster relief number I speak with a different person and receive conflicting information from before or new information that gives me a little bit of the BIG picture of how and where is my money being held. No accountability to me how they are governing my check and Not fully being transparent to me what I have to do to have some of my money sent to me for needed repairs as well as reimbursement of our out of pocket expenses. 

I have been asking basically the same questions over and over again and have requested this information be put in writing to me. As of this time and date I still have not received this information. 
I have been told it is on the website. Just need to register and I can read it there. NO it is not on : XXXX So I call back again, I am told I can find the information on MrCooper.com. NO its not there either.

I can go on and on how I get the run around from Mr Cooper servicing department.

# 1 When I send this claim check in I want to know who and where my money is being held. This money is not a payment and not escrow money.

# 2 How is the money held? Trust acct? Escrow Names on acct etc?

# 3 insured?

# 4 Can we do self contracting? What are guide lines? And Hire Contractors too!

I have been asking these questions and have asked it be put in writing and as of this date have not been given or received requested information.

This is our home. We have had an Excellent mortgage history on this loan before Mr Cooper took over and since he took over. We repaired our home after the XXXX Hurricane Matthew flood. We have continued to improve our home and will do the same to repair and improve our home after this Hurricane Florence disaster.

I feel we and any consumer deserve more respect than what I have received from Mr Cooper and full transparency and accountability for this insurance money they want to hold. Today is XX/XX/XXXX.. They have had long enough time to honor my request so we can move forward to repairing our home. They have left me in limbo long enough. I request your assistance.
This is not a debt I accrued. The debt is under a last name of XXXX. My name is XXXX XXXX. I have called the collection agency but they are very rude and I do not believe that they are taking me seriously. This is not my debt. What do I do? 

This is the info on my credit report : Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$7100.00} Amount {$7100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX Creditor Classification Rental or Leasing Last Payment Date Date of First Delinquency