WillisBack/dataset-financial-user-claim huggingface dataset:
I got a call for Portfolio say i owe them {$1500.00} and how i will like to pay it i ask them to give me some information on the debt i owe they say they cant tell her over the phone i have to send a letter in to them I them send them a letter of verification of the debt the send me a letter saying the have completed they investigation and the send additional documentation for my review witch is only a print out of a account statement for a balance of {$1000.00} and did not send me anything i ask for in my letter of verification for the debt Explanation of why you say I owe this debt ; Explanation of how you calculated the balance you say I owe ; Explanation of why you say I owe this debt ; Explanation of how you calculated the balance you say I owe ; Copies of any documentation establishing that the debt you say I owe is valid ; Copies of any documentation establishing the date the debt was open ; then they keep on call me ask me to pay the debt I ask for the information i ask them for in writing a over because the cant see nothing were i send a letter and i most have send it to the wrong address I told them it was a register mail them i send them back a register mail NOTICE OF INSUFFICIENT VERIFICATION and the send back the same letter ans statement and still calling me to pay the debt
A letter requesting validation of the debt that this company claims is owed to them was mailed to them certified mail on XX/XX/XXXX and received by them on XX/XX/XXXX. The letter specifically requested that the company VALIDATE the alleged debt by sending proof that the debt belonged to me as I have NO knowledge of this debt. The letter requested that Optimum Outcomes send a copy of all statements from the original creditor, as well as any signed agreement between myself and the creditor which would show proof that the debt is owed. Optimum Outcomes simply sent a letter in response that in NO way validates that this debt belongs to me. I have attached both the letter that was sent to them as well as their response. Since this debt has NOT been validated as requested, I want this removed from my credit report immediately. If this debt is not removed I will move forward with contact my attorney about the lack of proof that the debt belongs to me as well as the fact that the company continued to contact me by phone leaving voicemails AFTER the validation letter was received which requested all communication be done in writing which is also a violation of the FDCPA.
I want to file a complaint against, SOUTHWEST CREDIT SYSTEMS, LP. XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX, and THE COLLECTION FIRMOF XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX. The claim I owe {$700.00}. 
On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to XXXX XXXX regarding Acct # XXXX. ( See Attached letters ). After finding out about this negative accounts on my credit karma account I submitted the validation letters to SOUTHWEST CREDIT SYSTEMS, LP. They removed it from my credit report but now I received a letter from THE COLLECTION FIRM OF XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX, and they are calming I owe {$700.00} for them. I honestly feel like I didnt get what I requested and its just getting passed around. 
They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter. 

Thank you in advance XXXX XXXX
I had a loan for XXXX which interest will XXXX so i pay XXXX off t loan and they still saying I owe them XXXX plus interest wich is XXXX
I called in and I open up account with capital one 360 and I was told that I violated the terms and conditions and I have n't done anything wrong at all and they also told me that someone open a account in my name last year around 2016 of XXXX and I did n't open it up and at the end I was told I ca n't have a capital one 360 checking account ever again
I had a perfect credit history. I had no late payments with my creditors for some several years.  My score ranged for XXXX to XXXX normally.  On XX/XX/XXXX, the XXXX company reported a 90 day late to the credit bureau for the months of XX/XX/XXXX and XX/XX/XXXX.  This infarction caused my credit score to drop to XXXX.  I had been making payments monthly to XXXX. Consistently, the XXXX Reps ensured me that as long as payments were consistently made; I would be in good standings. However, that was not the case. I made my last payment on XX/XX/XXXX. and was held in default for not only XXXX but XXXX as well. I have contacted XXXX by phone to dispute, but was unsuccessful. I have submitted a written Dispute that is pending. My frustration comes because XXXX  incorrectly informed me on my account situation and also was not given the appropriate consideration.I asked that the 90 Day lates be removed from my credit report. Thank you in advance for your cooperation into this matter.
Recieved a called stating I have been sued by GE money bank for XXXX. On a debt that was opened in XXXX of XXXX and charged off in XXXX XXXX. All this infor was given to me by the caller. I was advised that they would garnish my wages and take any property that i may have
Navient continues to harass me day and night. I tried to explain to them that I lost my job in XXXX and could not pay right now, but they call numerous times per day. So far, today along, XX/XX/18, they have called me 7 times and it's only XXXX. They harass me and my ex-husband who co-signed. I am not getting anywhere with them and they have also over the years never told me that when you did a deferment or forebarance that the interest would stack up. This goes for my private and public loans. My total loans started out at around 80,000 and are now just under 150,000. I even called XXXX XXXX XXXX at one time because the harassment wouldn't stop. I don't know what to do with them anymore.
JPMorgan Chase sent bill to email account instead of mailing me a paper statement. 
Had this credit card account since XXXX always made payments on time paid off account in XX/XX/XXXX from a high balance of XXXX. Always got a paper statement. Used the card one time in on XX/XX/XXXX for XXXX for XXXX ( For some reason XXXX had rejected XXXX attempts with other cards ). For some reason Chase sent the statements via email????. Talking with XXXX ID XXXX he stated I had requested email instead of Mailed statements in XX/XX/XXXX. Forgive me but, XXXX, I would not have requested paperless statements on an account that I had n't used or had no balance since XX/XX/XXXX. Of course with late fees and charges that XXXX ballooned to XXXX by XX/XX/XXXX and was charged off. I was n't even aware of this activity till I pulled my credit report in XX/XX/XXXX. I called Chase and setteled the account for XXXX. But I 'm feeling extremely RIPPED OFF. And this is still going to show up on my credit score.
I became aware of ( 2 ) XXXX accounts that were taken fraudulently in my name in XXXX of XXXX. I notified XXXX directly followed by sending them an identity theft affidavit generated with the FTC. I was unable to get XXXX to correct the error. I then followed back up on XX/XX/XXXX and XX/XX/XXXX through certified service, proof of service attached separately. I once again formally disputed the ( 2 ) accounts, requesting them to adhere to both FDCPA and FCRA. Both times they failed to adhere to FDCPA and FCRA regulations by not responding. I then notified all ( 3 ) credit bureaus, XXXX, XXXX, and Transunion of my efforts and started the formal process with them. 

I had informed them of the following as a result, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I'm also aware that, " All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.
i for got my back pack on a city bus, when i realized I left it on the bus with all my credentials I called the transportation department to no avail. I called my bank Bank Of America and notified them of my loss they said they would freeze the account and that I would have to re-open a new account to prevent identity theft. I only had a few dollars in there so I did n't worry about it. 
on my next payday I went to try to open a new account and was advised of a returned Item. 
and from there on I havent been able to clear this matter.
I '' m a victim of fraud and I have a file with the Federal Trade Commission. While preparing to check my credit for incorrect information, I have noticed there are six inquires that I have no knowledge of nor do I have or ever had any accounts opened with the companies, please will you help me in solving these issues? 

1.XXXX ... .XXXX XXXX XXXX 4.XXXX XXXX ....

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 2.XXXX .... 5. XXXX XXXX ....

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 3.XXXX .... 6. XXXX XXXX ...

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX
Received faux notice stating " your XXXX XXXX XXXX account is over 90 days past due in the amount shown above, excluding any disputed and is scheduled to be cancelled and submitted for salary offset. The travel and transportation reform act, public law 105-264 of 1998 and CFR posts 301-76 authorized us to offset up to 15 % of your disposable pay "
I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX 2014 I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!! Amount : {$2700.00} Reported XX/XX/XXXX Filed 1XX/XX/XXXX XXXX County Superior Court
This is my XXXX complaint against this company in the past 2 weeks. After I made contact with them on Thursday XXXX XXXX and verified my contact information information, they still proceeded to contact my cousins today ( whom I have n't talked to in years ) looking for me and even left XXXX of them a message stating that she is from Northstar and trying to collect a debt. Is n't this ALL illegal? This company is relentlessly breaking the law!
Collection of medical services I never received or agreed to or otherwise. I have called the agency reported on my credit file multiple times in good faith offering my telephone number and requesting they return my call in order to clear up the issue not a single call has ever been returned. 

Fileing disputes with the credit agencies has not gotten very far the collections have been removed from XXXX but not from XXXX.
I am under a unlawful, deceptive, and discriminatory foreclosure practices and the company SELECT PORTFOLIO SERVICING INC . 

the system is not taking any attachments at all & gt ;
I got a mortgage with INVESTORS BANK, for my brownstone at XXXX XXXX XXXX XXXX XXXX NY XXXX. I paid in advance {$12000.00} XXXX XXXX XXXX dollars ) for the appraisal, appraisal review, environmental report and engineer report. I have been asking for months that my appraisal is sent to me, the bank refuses and states that is the bank 's property and will only be released only at closing. By law I am entitled to a copy of my appraisal. On the term sheet -that I signed- does not say that it will be released only at closing. I called the broker XXXX XXXX from XXXX XXXX XXXX and directly the bank. My attorney XXXX XXXX XXXX XXXX. has spoken with XXXX and they still refuse to give it to me. They state that I have to send a letter of cancellation and refusal of the commitment in order to get it. This is unlawful. What can I do to get my appraisal? I am a XXXX XXXX, a widow, and have several times refinance my brownstone that I have owned for close to 40 ( forty ) years. Please help!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX phone XXXX XXXX XXXX email : XXXXXXXXXXXX Many thanks
I signed up for the credit card through a promotional period where if you purchase things over {$1000.00} you get 12 months 0 % interest financing. The deal also had a 5 % credit back on all amazon purchases. I purchased a laptop for around {$13000.00} which would have built up interest that would be charged to me if I did n't pay it back by 12 months. Since the 5 % credit is nice for purchases made off Amazon, I purchased a few things and then submitted payments to cover them thinking they would be applied to the purchases I made that would have immediate interest charged. I was wrong, the payments I made were applied to the promotional balance instead, so the credit card company was then charging me interest for the purchases I made to receive the 5 % credit. 

When I noticed this I called them directly and asked a customer representative about this and to see why the payments were not being applied to the purchases that would charge me immediate interest. He said all payments go towards the promotional purchase before I can pay the immediate interest payments. I asked him if there was any option to make payments for the immediate interest and he told me no. Very upset, I go on the website and make a big payment and then browse around on it for a little while, but I noticed that their was a section showing that you can choose where to allocate the payments .... This is severely wrong, the customer representative lied to me, told me there were no other options, making me think that I would have to be paying interest until I paid off my laptop. I also feel wronged that the allocated payments were not directed towards the immediate interest payments rather than the deferred interest. 

It is tough to have time to read every single pamphlet/notice credit card companies give you and when employees lie to you about the payment policies that is very shady and the employee should be punished for such a thing. This is one of the reasons american 's are finding themselves in debt. 

On top of that their website is ridiculous and incredibly hard to log on too. They have crazy strict password restrictions, I swear it seems like they do n't want you to be on top of your finances.
i do owe for the current month of mortgage wi th Wells Fargo.  With a payment scheduled on 2nd mortgage to come out today. However. I am being calle d 10 times a day. With a message of Hello & hang up on voicemail.        Here is 1 day of calls  XXXX   XXXX  ,2017 ca lls at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
In XXXX 2013, I was unable to pay the mortgage. I had a bad renter that I had to evict, and the situation drained our savings to keep paying the mortgage. We have XXXX small children, and we ca n't choose Chase over our children. I called Chase Bank to let them know the situation and to see if I could make a few smaller payments to get caught up again. I had also called them prior to the missed payment letting them know I may not be able to pay if we could n't get a renter in place in time. They said they could n't help unless I was 90 days late and would n't even talk to me about any options. After I missed the XXXX payment, I hired an attorney to help. At this point, Chase told us that they would not issue any late fees or report any late payments to the credit agencies. They honored that for a few months, then the late fees started and so did the reporting to the credit agencies. They keep reporting that I 'm 30 days late with each payment, but there has only been one month that I was late because I did n't have the money to pay it. I 'm not asking to have that payment forgiven, I just wanted to work out an option where I could afford to pay the late payment back over a few months. We were able to get a renter in place to cover the XXXX payment, and we have n't missed another payment since. 

I work at a financial institution, and these practices by Chases are putting my job in jeopardy. All I wanted was to be able to work out a small payment plan to get caught up, and now I may have to sue Chase in order to make them do what they said they would do, which is to waive the late fees and not report any late payments to the credit agencies. I have been fighting this battle for a year and a half because Chase continues to use bully tactics to bully customers in to doing things the way Chase wants them done, not the legal way to have them done. If I lose my job over Chase 's practices, I will take them to court and sue them over this. It seems that Chase would rather you miss XXXX payments in a row in order to start a foreclosure process. Seems like a way to make extra money by bullying customers in to foreclosure.
it is about chase auto loan payment, reported to credit bureau at XX/XX/XXXX they said it was later over 30 days. 

Since i bought the car at XX/XX/XXXX, i never received bills from them. 
I called in and paid my very first payment, after that i told them that i never received any bill or letter from Chase auto, they told me it was automaticlly set as paper less. 
i was concerned that i told them my job requires me to travel all the time, i do need to have physic letters sent to my apartment, so my wife and parents can handle it as all the others bills i have. 

But still i never received the payment, neither me or my family got one at all.

I paid several payment via phone. Back to XX/XX/XXXX, after i paid via phone, i told them i need to have physic letters from them, and set me up as auto pay. 

the representative said they can help, so they put me on hold for more than 20 minutes, and the call ended automatically. 

I thought i have done the auto payment setup. i still never received anything emails or phone call from chase auto. 

at XX/XX/XXXX, i received a phone call said i have a payment overdue for more than 30 days, i paid it off immediately. I asked the Rep how could that happened? I never received bills via mail ( I ASKED THAT 2 TIMES ), and last time when i paid my bill, the rep said they can set me up and put me on hold. Now, they said auto pay can not be done unless i have an chase online account. It is frustrated that i was informed they can set it up for me via phone, but now they said it can only be done via phone. 

Also, during the period of the late payment, i never received any information from them. 
but they kept saying they did. 

Since day one, i never receive their letters for billing, i had to call them by myself to solve the problem. ( i found the information via an app called XXXX XXXX )
Equifax failed to maintain reasonable procedures to ensure the accuracy and validity of the information they are reporting on my credit report regarding four accounts related to XXXX  account numbers all beginning in XXXX.I submitted a dispute because the information reported is invalid and inaccurate. Equifax confirmed this information. I submitted formal request for method of verification to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this investigation and it was received ( I have confirmation receipt which can be submitted ) on XX/XX/18. In compliance with the FCRA, this information should have been provided to me within 15 days and it has not been produced. Further, during this time, the accounts were indeed removed from my credit report and have since been re-inserted. I received no notification of the re-insertion of negative information as per my legal rights. These inaccuracies are hurting my ability to obtain housing.
I have repeatedly requested that Progressive Management Systems provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
I suspect Ocwen Loan Servicing and/or its XXXX lawyers are hacking into my computer and email. Ocwen Loan Servicing has been committing years of fraud against me, many attempts to quietly seize my primary residence that I own free and clear. Ocwen Loan Servicing and its crooked litigation XXXX lawyers used fraud upon the court, using forged fabricated documents and robo-witnesses to intentionally send bribing signals to the judge to win its phony case. After the scums bribed the Judge Ocwen 's litigation lawyers quietly added other orders into the Judgment before the Judge signed it, praying it would stick. My investigators found much more of Owens fraud troubles which will be addressed before the court when I file my new XXXX lawsuit. CFPB is responsible for supervising shady Ocwen Loan Servicing, as its license is currently under a monitor due to Ocwen 's ongoing fraud abuse. My investigators will have its final findings report soon. I pray that CFPB takes my matter serious and send in the feds to Ocwen Loan Servicing headquarters gather all the forged fabricated documents in Ocwen 's possession before they attempt shred it and quietly seize my home again. Attached is just one of Ocwen 's cases that a honest none corrupt Judge refused to seal. Ocwen Loan Servicing and its lawyers are XXXX!
Due to some uncontrollable circumstances, I had some late payments with a company that is company represents. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for XXXX XXXX to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.