WillisBack/dataset-financial-user-claim huggingface dataset:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine. 

I do not recall this account. Please provide documentation with my signature and services rendered validating that this account is mine. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.
I applied for a mortgage in XXXX and at closing paid the required escrow. In early XXXX, my lending, Mortgage Solutions Financial, send me a check for about XXXX saying that that money was escrow overage. When I called my lender, they stated the money was mine to spend. I was n't aware that anything was wrong. 

Around 12 months later, XX/XX/XXXX, I received a notice that my escrow was short XXXX. My lender is now requiring that I pay an additional XXXX ( new payment of XXXX ) per month to cure the shortage! Upon researching, I discovered that my taxes were assessed at land value for the year that I closed ( XXXX ) ; however, I do n't know why my lender would NOT have adjusted my expected escrow for the full purchase price the following year ( XXXX for year XXXX ). I ca n't afford this dramatic increase in mortgage payment.
I have used the Macy 's card on my account for XX/XX/XXXX and XX/XX/XXXX to pay for some things at the Macy 's store in XXXX MA. However, today is XX/XX/XXXX and I only learned that my account was overdue 2 weeks ago when they phone called me to notify me. They have added XXXX late fees on my account already XXXX of {$39.00} and XXXX more of {$29.00} dollars without warning me ahead of time. I was expecting their mail statement but they have never sent me XXXX until I requested the person that phone called me XXXX weeks ago to do so. On XXXX XXXX I spoke with XXXX XXXX ( Manager ) at the collection department who was very rude and verbalized to me that I used their card and that I do n't want to pay now. No need to mention that I felt so offended With her statement. Nevertheless, I asked XXXX to waive the late fees since it was their fault for not mailing a statement to me before but she stated that I was supposed to call them and ask about my bill and that they have no obligation to mail me anything. I friendly verbalized to XXXX that I would not know how often they generate their statement and for that reason I would not call as it has only been 2 months and considering the fact that every company generate their statement differently. Some generates it every month, others every3 months, etc.. XXXX XXXX my argument irrelevant and stated she is not going to waive anything for me.
We had a home equity line of credit for 5 years that expired in XXXX 2016, with a balloon payment due of {$240000.00} which we received a letter in the mail a week before the expiry date telling us that our payment was due. I immediately went to see my local bank and he could not help us, because we were a member of private banking and he could not even see our information. So, he then gave us a name for a loan officer, which we called when we got home and sent him all our paperwork, he then determined that we would not be eligible for a mortgage because my husband had a year before that lost his job with the company he had been with for 30 years, because the company moved back to XXXX. My husband was working, but only making half the money, so he suggested that if we pay our car loan, we would qualify for pre approval. We took our savings and paid the loan, and called him after it was paid, he then said the loan had been sent to collections and he could not help us. I then went back to my local bank and asked to speak with another loan officer and after one week, she called us back saying she also could not help us, we had to contact collections. I have spoke to maybe XXXX different people, gone to our local bank 3 times, spoke with a lady from the executive office once and she also said she could not help us and had no interest in helping, I called her supervisor and we did not receive a call back. Before this happened, our credit was very good and we had missed 1 payment, which was a few days late, in the whole 5 years of this loan. Because of all this fooling around, they have reported us to the credit bureau as late and this has taken a bad hit on our credit. They now do not want to give us another loan and offered to possibly have a second look and see if we qualified for the hardship remodification loan and he said it 's not sure we will get it, you have to be under a certain salary, we can pay our payments, my husband is making good money, that is not the problem and i told this to the bank. We did not realize going into this at 5 years, we would have to pay back the whole {$240000.00} we were not made aware of this, oh it was probably in the fine print of the contract, but i do n't understand that jargon and relied on the loan officer at the time to tell me this and he failed to do so. We are not faced with a foreclosure and need help immediately. Please help!
A billpay transaction on XXXX XXXX, XXXX was not received by the payee after 11 days and I asked Keybank on XXXX/XXXX/XXXX @ XXXX to stop payment on the transaction and reverse the charges replacing the funds in my account. During my call with the Rep I was never advised of the {$34.00} service charge nor did she request authorization to debit my checking account. She did not say there is a charge and do we have permission to debit your checkling account. I advised Keybank the same day on XXXX that to me this is a UDAAP issue but they ignored my complaint. To me thus is a pattern of failure to advise the customer and provide them the opportunity to agree or not to the fee or direct the bank to which account to debit the fee. Their failure to advise my checking account would be debited may have resulted in an overdraft of funds. I am one of the lucky ones who signed up for alerts on my account.
In XXXX 2007 my wife and I took a 30 year mortgage against our home from Wells Fargo Bank the loan was originated in an " off site '' office location. My credit was very poor my wife 's credit was very strong the agent advised us to use my income as my wife 's income we questioned this, he said we would be fine it 's done all the time. The interest rate is 7.95 % APR we are struggling financially. We were told by an attorney to reach out to the CFPB for support as he felt he falsified loan application at an offsite location may be something that needs to be addressed
Company - XXXX - Bills for my XXXXProblem started over 2 years ago. They never sent bills and then turned me into collections for a large amount. No previous bill received. I paid the bill. The next year, after not receiving bills I called to find out what I owed and was told I had a credit with the company. They would notify when I began to owe them. Same story - a few months later got a collection letter. Once again it was a large amount but this time was unable to pay this. I was set up on a payment plan - I was told that all I owed was included in this plan. Few months later I was called by their collection department to pay an additional XXXX+. When I called them they said this as not included in the plan. They found this other amount. I have repeatedly explained the situation to them and they tell me it is taken care of but then it happens again. Finally in XXXX we put together a new payment plan of XXXX/month for a year and I was to be paid off in full. Today I received a collection letter for XXXX. I have never received a bill and they keep changing their stories. I have no idea any more what is right or wrong but I truly feel as if I am being cheated. I cancelled my XXXX because I just could n't put up with this anymore. I have enough health issues and I ca n't take this stress. How do I make this stop. I have received calls and notices and I am just tired of having to deal with his over and over again. I work in a professional office and I would have been fired by now if I handled the billing like this company does. If you google them you will see I m not alone in my complaint. Please help me. This also involves my credit but none of this has been my fault. Should n't they be held responsible on their end also? Thanks for any help you can give me. I do appreciate it. 

XXXX XXXX XXXX XXXX Ohio XXXX Phone XXXX Phone XXXX
I got the card in XXXX and have carried a balance much of the time, paying their usurious 24.74 % interest that I agreed to. ( {$320.00} in interest in XXXX alone ) On XX/XX/XXXX, when my balance was {$3000.00}, I made an electronic payment of the same amount, which should have brought my balance to XXXX. 

When I received my next statement on XX/XX/XXXX, it showed that I had paid the balance in full, but added an additional {$33.00} in interest. 

I called the company and asked them to retract this charge on the basis of customer goodwill and my tenure with them. They told me that they would not and there isnt anyone that I can talk to or write a letter to. They would not provide a name or phone for anyone, including the VP of customer service or the CEO. I WAS TOLD THERE IS NO ONE ELSE IN THE ENTIRE COMPANY THAT CAN TALK TO ME OR HELP ME. 

I understand capitalism and the desire of large corporations to make a fair return on their investments. However, when companies are this arrogant there is typically some other dynamic going on. 

Thank you
Loan amount taken out was {$22000.00} in XXXX. Balance still owed is {$22000.00}. Been paying every month for years at 5.5 % interest rate. Payment is {$130.00} a month now and {$99.00} is applied to interest and fees assessed. It has been 11 years without anything coming off the principal.
I disputed items on my credit report with credit bureau , bureau refused to reinvestigate any of the items stating they had previously investigated the items my problem is I asked for proof of investigation which I didnt receive and I contact each creditor to be told they had not been contacted by Experian I want proof of any information Experian has on file in regards to these accounts Accounts in questions are XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX   # XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  # XXXX Names on file that I have NEVER used please remove XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX I always sign and apply in my full legal name of XXXX XXXX XXXX Inquired on file that are unauthorized and should be removed XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  / XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
My mortgage account is not reflecting correctly on my credit reports, Equifax is showing my account as closed after numerous disputes and documentation sent to prove account is open still no resolution account still showing as closed, contacted my mortgage company they stated that they are reporting the account correctly.
There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
I applied for and received a credit card from american express. I have just received my first bill and no where on it is found my account number with the company. This is the first time I have ever experienced this ; in my opinion it should be illegal. No other credit card company I know of does this. I thought I had misplaced the card as I attempted to setup a bank payment for the bill for which the account number is of course required ; it took me some period of time, but I finally found it. I should not have been put to this trouble ; this is security taken a step too far - I should like to see this stopped before it becomes a fashion among the credit card issuers.
this is the first time I 've ever checked my credit score and I saw how terrible it was and a lot of cards and inquiries that was n't mine. I have sent a lot of mails and called all the 3 credit bureaus regarding fraudulent inquiries on my account. I have no knowledge whatsoever about these inquiries and I even contacted the companies who did the hard inquiry and they said theres no record of it in their system. I have placed a freeze and fraud alert on my account and I do n't know where these came from. I am requesting CFPB to please verify the validity of these inquiries since TRANSUNION REFUSED to help me and was being very rude I am trying to build my credit and responsibly use my financials into getting a mortgage and these are really hurting my credit score XXXX XXXX. XXXX MY ACCT WAS FREEZED, IDK WHO DID THIS, XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXX XX/XX/XXXX
XXXX has been non-compliant with removing the unverified account CHASE CARD which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
2nd Mortgage Payoff I am very disappointed with Citizens One Bank and their payoff of practices with regards to my 2nd Mortgage. It is my educated opinion that Citizens One practices are unethical and not in the consumers interest. I have also filed a complaint, XXXX, related to their practices of mortgage loan payoffs with regards to my 1st mortgage. 

XX/XX/XXXX Payoff letter requested. Interest cost {$2.00} per day, starting on XX/XX/XXXX, until paid in full, please see calculations on supporting documentation. Disclaimer on Citizens One payoff letter states " any outstanding checks or charges that are not included in the above payoff amount are the responsibility of the customer. '' XX/XX/XXXX Closing documents signed. 

XX/XX/XXXX Funds received by customer and Citizens One Bank. Citizens One did not dispute this assumption on my part when I complained about my 1st mortgage payoff. Interest due {$27.00} plus payoff XXXX = {$13000.00}, less that original check amount of {$13000.00}.??, see below. 

XX/XX/XXXX Citizens One generated letter stating my loan was paid in full. 

XX/XX/XXXX Collection letter generated by Citizens One. 

XX/XX/XXXX Called customer service. In speaking with customer service I was told that a check was received for {$13000.00}.??, that it was posted to my account, reversed and returned to the closing agent on XX/XX/XXXX. I was also told that on XX/XX/XXXX a second check was posted, {$13000.00}, which paid the loan in full. At no time was I ever informed that my payoff was short as implied in the payoff letter quote above. Citizens went back to the title company and charge me interest on the loan balance while they waited for resolution. I was also made aware at the time of my call that since my loan was paid in full that Citizens only maintains the loan on their online banking system for two days after pay off so I, as the customer, ca n't see how the final payoff was completed, no transparency. In addition when I asked to confirm the date the original check was received I was told that the only department that could confirm the date was the payoff department but they do not take phone calls and customer service does not have access to that information. 

This entire experience has left me to wonder how much of Citizens One 's interest income is made up of income derived by not applying payoff funds when received, not backdating funds to the date received or by not following through by contacting their customer when funds are short, if it is stated as my responsibility they have a duty to inform me of the shortage. Citizens One practices are one sided, their side to increase income, and are seriously in need of a review of internal controls ( collection letter generated after paid in full letter ). I firmly believe that the CFPB should look into the payoff processes at Citizens One for both their mortgage and consumer loans divisions.
I have an unverified account from IC SYSTEM, INC. I had previously disputed this account. I have never done business with IC SYSTEM, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC SYSTEM, INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM, INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt
Equifax has refused to block the fraudulent accounts listed in the police report. They continually investigate and are dragging the process on. I have sent them copies of my ID, police report, Identity theft affidavit supporting my dispute.
Informed my lender ( Nationstar Mortgage ) in XXXX XXXX that I had discovered that my original home loan they had bought from XXXX XXXX XXXX XXXX XXXX contained falsified information on my income and assets. I was unaware when I originally obtained the loan that the lender XXXX XXXX XXXX XXXX had falsified information. Consequently, I now owe more than the home is worth and the ARM in the original note has nearly doubled my mortgage payments. I am trying to obtain a loan modification from Nationstar but was informed that the modification had been denied. I have yet to receive any formal letter from Nationstar but the Nationstar Rep mentioned that I would pay more if the loan was modified. I am only asking for an option to keep my home that I have lived in for XXXX years. The loan from XXXX XXXX has damaged my credit, the terms of the loan that I thought I was agreeing to were not what I had been led to believe, and I have no equity in my home. I do not want to lose my home and I am trying to come up with a solution.
I have contacted Equifax on several occasions.   XXXX  2017,  XXXX 2107, XXXX 2017. I have also mailed in certified letters om  XXXX 2017 asking for several hard inquiries that I did not do be removed from my credit report. I asked them to do a investigation. They have not provided proof that an investigation has been done. They also have not removed any of the hard inquires that I have requested for them to delete due to fraud.
Starting on XX/XX/XXXX I started the process of Disputing debt being reported by XXXX XXXX XXXX  who was reporting ( 7 ) accounts to my credit reports, all the same, account number but different amounts totaling {$94000.00}. I first sent a letter XX/XX/XX/XX/XXXX to XXXX  XXXX XXXX  and again on XX/XX/XXXX to all 3 credit reporting agencies Experian, XXXX and XXXX. I explained these accounts did not belong to me and were unverifiable. Additionally, all accounts did not meet the Metro 2 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 provided copies of my ( 14 ) different letters addressing each line item on my credit bureaus and copies of signature required service via UPS along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " 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 DISPUTED TWO COLLECTION ACCOUNTS SEVERAL TIMES WITH EQUIFAX NEITHER CAME FORWARD WITH ANY DOCUMENTS, SIGNATURES THAT I AM LIABLE FOR THESE COLLECTIONS JUST RECENT THE TWO COLLECTION ACCOUNTS WAS REMOVED FROM MY EQUIFAX CREDIT FILE THEN A DAY OR TWO LATER THEY WERE RE-INSERTED WITHOUT GIVING ME A FIVE DAY NOTICES OF INSERTION OF WHICH IS A VOLIATION OF THE FCRA LAW. YOU CAN NOT REMOVE SOMETHING THEN INSERT IT BACK WITHOUT SENDING THE CONSUMER PROPER DOCUMENTATION OF SUCH COLLECTION THAT THE CONSUMER IS LIABLE FOR EQUIFAX HAS FAILED TO GIVE PROPER NOTICE OF WHICH IS WHY THEY AS A COMPANY HAS SEVERAL LITIGATION OF LAW SUITS FILED UPON THEM DUE TO THE BREACH OF CONSUMER INFORMATION. ALSO I HAVE A ACCUNT THAT WAS REMOVED AND ITS STILL SHOWING ON MY CREDIT REPORT
I paid on my car loan for XXXX years on time. I lost my job and I communicated that to the lender of my car loan. They were not willing to work with me so my car was repossessed. I was expected to pay the balance of the loan and not the missed payments.
Six accounts were open in a similar to mine. My name is XXXX XXXX. The accounts are in the name of XXXX XXXX XXXX. XXXX XXXX open up the following account that are fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX Walmart, XXXX XXXX and XXXX XXXX. This is affecting my consumer report and would like them to be removed. Synchrony sent me a letter letting me know do to fraudlent account they would be closing the accounts above.
I have had various loans dating back to before Navient broke off from Sallie Mae. I currently have several loans from Navient that are private, and one that is federal. The private student loans are in excess of 13 % interest, and because I was unable to make some payments when down on my luck, I ruined my credit and can not get a refinance loan. I was approved for a federal income based repayment plan, which equates to about XXXX  dollars a month. However, the private school loan payments are in excess of XXXX dollars a month, putting my payments at XXXX dollars monthly. I have discussed with Navient multiple times that I can not afford to pay this amount and need it lowered, and was responded to every time with the only way is to do forbearance or go back to school. I went back to school as it was the only way to defer. I am currently back in repayment, while still enrolled in school and I know I still have two years left of in school deferment. I have called and tried, and still no one will help.