WillisBack/dataset-financial-user-claim huggingface dataset:
Our XXXX County Maryland XXXX Department said that they never received information from GMAC Mortgage that our mortgage was paid off in full so that the release of lien could be recorded. We have a letter from GMAC Mortgage dated XXXX XXXX, 2001 stating that the mortgage had been paid in full & that the necessary release documentation for the property was in the process of being completed and being sent to the county XXXX office. We have not been able to contact GMAC. Until the County XXXX XXXX office receives documentation, our property will continue to show a lien against it which will continue to create problems in acquiring credit or selling our property.
XXXX # XXXX and XXXX XXXX XXXX has multiple names and continue to duplicating accounts on my credit reports. This account has been paid. Both creditor and collections are reporting incomplete information misleading potential creditors offers. XXXX XXXX exceed XXXX year statue for reporting. 

Capital One Best Buy paid as well all adverse information listed on credit report is incomplete. 

XXXX XXXX XXXX XXXX Bank are all the same duplicated accounts.. I have record showing I paid this account.
I have asked Central Financial Control to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
XXXX XXXX XXXX  2 Accounts keep recording incorrect information on my account as well as XXXX. These accounts are listed by the FTA local authorities and every other credit reporting agency available including credit account freezes etc. I have sent certified mail etc included all identifying information asked and they continue to report identity theft fraudulent information on my accounts, these accounts are not mine. Fraud! I have certain rights by law!! 
Discover Bank fraudulent account XXXX XXXX XXXX  Fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX fraudulent reporting XXXX XXXX tires and credit accounts Fraudulent not correctly reporting, I have receipts of accounts paid in full, My bank XXXX XXXX XXXX. XXXX fraudulent spending of deposited checks fraudulent. I have contacted local and fta and froze every other credit reporting. I have a truck and student loans that is it this needs to stop Im a victim, please help
Lender ( OneMain Financial ) claimed late payments, despite being authorized ACH withdrawals on a specific date. Lender did not attempt withdrawals on authorized date on at least XXXX occasions, and then began charging late fees despite not taking the money on agreed upon date. Lender refuses to refund late fees, and continues to attempt to collect them despite the error on their part. Lender was given written notice revoking ACH withdrawal authorization, yet continued to withdraw money. Lender refuses to make the correction to the account and has initiated a harassment campaign including numerous phone calls, letters, XXXX letters, and calls to friends/relatives. This complaint is also being filed in conjunction with civil litigation.
I sent Rash Curtis & Associates a letter by certified mail return receipt that they received on XXXX XXXX, 2014 requesting that they cease and desist any and all collection activities on a medical debt that they have failed to properly validate. 

Despite this, they continue to call my cell phone ( which costs me money ) repeatedly. 

I am concerned about retaliatory conduct on their part because I have requested them to comply with the law including HIPAA, FCRA, and FDPCA which they apparently continue to ignore and not comply with.
In 2017 I contacted Transunion and filed a complaint regarding the XXXX XXXX account. I informed them that they are reporting false information. I do not owe a balance of {$610.00}.
Ally Financial bought a debt that exceeds the statutes of limitations. They then sold the debt to XXXX who attempted to collect the debt. A complaint was filed against XXXX with the CFPB who refused to respond and one filed with the BBB complaint # XXXX which they acknowledged the debt was expired. The debt expired in 2016 yet they are still trying to collect.
Freedom Mortgage has held payment on my account and has not applied toward my balance. Freedom Mortgage did not advise me of a escrow change to my account and has not applied my payment but has reported my account late to the Credit Reporting Agencies. I have contacted Freedom Mortgage 3 times to attempt to have this corrected.
Due to medical issues and bills and a loss of job we filed for XXXX loan modifications with Owcen, but were denied. We were eventually forced to leave the house and relocate to another state. We notified the lender we had vacated the premises and completed XXXX short sale applications. Both were eventually denied, although I periodically receive letters from Owcen saying " Thank you for your short sale application it is being reviewed ''. It 's been over 1 1/2 years.
I have now spoken with three/four ( but the second woman hung up on me after she said her scripted info ... it was strange ) people at American Express. Each of them told me completely different information. The card was activated in XXXX, but she could n't say anymore. Then she told me There was no manager they were " on a call '' and I told her I 'd wait, and the VP was never in a meeting,
Hi : Little bit long story but i try to keep it in short. So basically my case involves : XXXX XXXX, XXXX and a debt collection agency called the receivable management services corporation. XXXX began since around XX/XX/XXXX. I tried to book a flight schedule from XXXX XXXX to XXXX on XXXX. It cost {$1000.00}, I booked this flight around XXXX, but then i realized that i had a schedule conflicts so that i had to change a flight. I decided to cancel the flight, so I 'm sure i cancelled my flight around 3 hours later. According to XXXX policy, customer should get full refund if cancelled within 24 hours. I 've done same thing before so i thought i have nothing to worry. But this time was little bit strange, because couple weeks later, i believe it was in XX/XX/XXXX, when I checked my XXXX XXXX  account, ( I booked this flight my XXXX credit card ). I still see the record on my statement and it means i still have not receive my refund which is {$1000.00}. So i decided to call XXXX customer support and ask them what happen. After i have spoke to a rep, she told me she will help to me dispute my case but i need to provided some evidences. So i gave her my provement, after couple days, i received a phone call from XXXX, the rep told me that my case has been disputed, and then when i double checked my online bank account, i do see i have received the refund, at this point i thought this case is over. But until recently, I think it was around in XX/XX/XXXX. I have been bothered by a company called RMS ( the receivable management services Crop. ) they called me almost every single day and i also received a letter by them. They told me that i owned {$300.00} of debt. When i first noticed by them, i had no clue what this {$300.00} for, so i asked them, they told me it was because XXXX gave out my personal info to them and ask them to collect debt from me. After then i contacted XXXX by calling and sending email ask them about my case, all of the answer I received from XXXX were none of their customer rep could identify about this {$300.00}, and they told me they would never ever gave out personal info to any company, they also had no relation with RMS. So i was confused, I also went to XXXX XXXX, let the manager checked my bank account, the manager told me my account is clean and i do not own them anything. XXXX also do not corporate with RMS. So i believe it was a scam and i have no idea how to they have my personal info. Because they are kept calling me and ask me paying the debt over the phone, i felt i really bothered by them. Even today, i called XXXX, and ask them to check my credit report to see if theres anything related a company called RMS, the XXXX rep told me there 's nothing has related wi
th RMS on my account. Thanks for helping me, Best,
Checking my credit, and I have n't applied to the company, it is a reoccurring problem each month
On XXXX/XXXX/XXXX, payment was received by XXXX XXXX XXXX in the amount of {$69.00}. Of which {$34.00} was disbursed to XXXX XXXX same day. 

Also, XXXX XXXX had just received its disbursal for {$250.00} on XXXX/XXXX/XXXX, which is around the usual date for that payment. But fours days later, on XXXX/XXXX/XXXX there was a new civil action by XXXX XXXX on my credit alert for the Last {$34.00} owed to them. On XXXX/XXXX/XXXX I made my final payment ever to XXXX XXXX Counseling which they disbursed to XXXX XXXX on the same day. However I received XXXX more credit alerts. Another XXXX XXXX by XXXX XXXX on XXXX/XXXX/XXXX and a charge off account notice on XXXX/XXXX/XXXX by XXXX XXXX. These are all showing as derogatory remarks on my credit report and I would like them deleted please. Thanks.
On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on two others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was serving ten years in XXXX Prison when this collection was put on my credit report. So this is ID Fraud
Macy 's DSNB has deleted a payment history on all credit bureaus, even though there would have been one as far back as XX/XX/XXXX. They state that the first delinquency was XX/XX/XXXX, whereas the drop off date for removal with all pertinent credit reporting agencies would be XX/XX/XXXX. The account was discharged from a Chapter XXXX bankruptcy petition. However, there are ten ( 10 ) years of payment history deleted from the credit bureau, and I make a claim that I was at least 30 days late several times before the inserted XX/XX/XXXX. Accordingly, I believe that I am well within the 7-year rule timeline for the removal of obsolete information and the account should be deleted immediately and permanently. DELETE THIS CREDIT ITEM!!!
I spoke with Pennslyvania Higher education this month and on that call I requested to arrange a lower payment or some sort of plan. I was told there were none available to me at this point. The man stated on the phone if I made my full payment in XX/XX/XXXX my taxes would not be taken from me, when i called today because they called me yesterday they stated they sent to the IRS yesterday to take my returns. I asked to speak to a Supervisor and she informed me there was nothing I could do I told her I spoke with them and siad nothing would be done with my taxes unless I missed anotherIr XXXX. which I have no idea how! I attended XXXX College in XXXX CA that is no longer there I was promissed every quarter to get on the job experience while I attended and it never happened they told me this was part of the program I graduated without every once stepping into any hands on training of any kind. I 'm currently unemployed and a single parent I 've never been able to get a job in the field most places claiming because I have no hands on experience. This student loan has ruined my life, I can never buy a home and constantly have poor credit no matter what I do. Please help me if you can. 

Sincerely, XXXX XXXX
My identity has been compromised or stolen. I filed a police report and notified XXXX XXXX and Trans Union.
I feel that they are not taking the matter very seriously at all.
I purchased a prepaid MasterCard and when I went to use the card, it was declined. I called the number on the card and was asked to fax my receipt in and a new card would be issued. It has been 3 months and several phone calls later and still have n't received the new card.
We have been in foreclosure for over 6 years now. Throughout that time we have been passed from several different servicers. First XXXX then to XXXX XXXX XXXX and now Resedential Credit Solutions ( RCS ). We have tried for over six years now to try to get the servicer to modify our mortgage. Each time we were denied for whatever reasons they said like we do n't make enough money. More recently RCS declined modifying our mortgage they say because we do n't make enough money. We asked them several times to lower the principle balance of our home because they are asking us to pay over a million dollars for a home that is worth less the. Half of that. They are asking us to pay all the late fees, the mortgage for six years now and other fees, taxes and such. We want them to lower the principle balance on the home to what it 's worth today and forgive all the past charges and fees. We want them to bring the mortgage current so we can stay in our home we lived in for the past 10 years now. RCS has given us the run a round by telling us we do n't make enough money to pay the mortgage. We do if they forgive the past 6 years of fees. They wo n't work with us and I 've faxed and relaxed hundreds of pages of paperwork to RCS. They are now foreclosing on us with a sale date of XXXX XXXX 2015. We would like consumer finance to hopefully help resolve this matter with RCS. At the end of this we want RCS to modify the mortgage to what the home is worth anywhere from XXXX to XXXX, forgive all the past charges, lower the interest to 2 % at a 30 year fixed rate. We want to keep our home. I have tried for over 6 years to get the servicers to comply with us and they never have. I feel they are greedy and do n't care about homeowners they are out only for themselves. Please help us in any way you can. Thanks for your time in this matter. We hope that RCS hears us loud and clear we want them to modify our mortgage at the rate that the home is worth and forgive all past charges fees etc. Thank you
I.Q. Data International , Inc ; Collection company refuse to cooperate with my request for Debt Validation over and over again, ( illegal collection practices ) this is the info I sent them : Dear Sir/Madam, I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it. 
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations. 
Texas Finance Code Section 392.202 requires a debt collection agency or / and credit bureau to provide the alleged debtor with specific information concerning their debt including : Please dispatch copies of the following with your reply:1. The agreement which authorizes you to collect debt on the assumed debt. 
2. The signed agreement from the debtor confirming to pay the debt. 
3. The documents regarding the payments made on this account and validation of the amount. 
The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety Bond information I request that the debt collector and or credit bureau reply in writing to ensure that there is a record of all correspondence between myself and the collection agency. 
And they have fell to response to 3 letters, causing further harm to my credit profile.
I have submitted requests for this account in the past and have not had it removed previous complaints has stated that a universal data form would be sent to my email at XXXXXXXXXXXX i have not recieved it and it is still reflected on my XXXX credit report can you please look into this and email me or comuncate with XXXX to finally get this fraudulent account removed XXXX
I disputed a inaccurate public record with Equifax they failed to respond. I have been disputing this for almost a year. Each time they just ignore me
This complaint is specifically about Equifax, and how they could not provide me with a credit score due to missing my SSN. I have always been able to get my credit report from XXXX ( who I regularly monitor my credit with ) and XXXX. However, with Equifax, I have always received an error message. I decided to look into it a couple months ago when I tried to get my 3 bureau report from XXXX and they told me there was an issue. So I called XXXX, no issue. Then I called Equifax, major issue. Equifax was very difficult to get through to but ultimately they said that they had no information about me and were missing my SSN ( apparently no lenders have reported about me to them, which I find shocking ). So they tell me to email my Divers ID and my SSN card to  XXXX. I send it and get a vague and useless email later saying that they are having issues with my information and that I need to fax the same exact information that I had just sent to a specific number. First of all, why am I getting mixed messages on where to send this very sensitive information to? Second of all, why am I being asked to send it to several places where I can not validate the security? Third of all, why do they not keep their data centralized? Would n't you expect information that was emailed over, be stored in with all other information? Anyway, I called the number in the email response about my information a few times. Every time I called, I mentioned the Case ID # from the email. None of them had a clue what I was talking about. None of them knew about any type of Case ID #, which makes me think they do n't centralize their complaints. No one was helpful and no one could give me any real answers about where my information is going and why they do n't have it and why I need to send it again. They also put me on hold indefinitely so that I ca n't respond to the survey at the end. I 've been given the run around for over a month now, have gotten nowhere, and am at my wit 's end. All I want is for them to update my blank SSN with my actual existent SSN ( exactly what XXXX and XXXX successfully have on file ). I then just want my credit score.
XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX ny XXXX had a man by the name of XXXX XXXX XXXX XXXX file # XXXX, call me about a check I had made to XXXX. I told him I could pay in a few weeks he told me NO that won ; t do and writing bad checks is against the law and I would be arrested. I said well arrest me then and hung up. I called him back paniced and said if I pay next thursday would that be ok he said yes and he would stop the sheriff from coming to my house. I am XXXX and told someone who cares for me about this and she said, what he did was not legal. He had left a message on my phone impersonating a lawyer saying XXXX had called his FIRM and retained him. I still have that tape. 

yours truly XXXX XXXX
On XX/XX/XXXX my husband, XXXX XXXX deposited a check into my checking account in the amount of {$800.00}. It was drawn against XXXX XXXX. XXXX XXXX said it cleared XX/XX/XXXX and that the funds were available. On XX/XX/XXXX Peoples United Bank in XXXX, XXXX. XXXX put a hold on the check from XX/XX/XXXX thru XX/XX/XXXX. They say they sent a letter to that effect but I did not receive a letter and dont believe they ever sent a letter. I dont think the Post Office lost a letter just going across town. I found out when I went to use my XXXX store card. I was shocked to see that the card was declined. When I checked to see why, I found out that the payment that was regularly scheduled to hit during the time there was a hold on my check, was sent back. XXXX closed my account and my credit score dropped 22 points. I owed XXXX about {$890.00} and the minimum due was {$35.00}. I had paid XXXX payments totaling over {$500.00} that month. I called them and they reinstated my card but my credit report had already undergone the ding. 

My husband talked to XXXX in XXXX XXXX at XXXX XXXX and she stated that the funds were available on XX/XX/XXXX and that XXXX XXXX would not have communicated anything negative about his account. She opened up a complaint against Peoples United Bank. 

Then XXXX XXXX Sent a response that the check drawn again XXXX XXXX did indeed post and clear on XX/XX/XXXX. I will attach the letter. I have tried to reason with XXXX to no avail at the XXXX Branch but their own bank person, who answered the phone at the number provided on the back of the debit card, also stated the funds were available. Thank you for your help. 
XXXX XXXX
In college, I took out two private loans from XXXX XXXX in 3 disbursements, the first was on XX/XX/XXXX for {$4400.00}, XX/XX/XXXX for {$4400.00}, and last on XX/XX/XXXX for {$3100.00}, for a total of {$12000.00}. After graduating from college and the 6 month grace period before entering loan repayment, I was unable to make payments with my current income at the time and used the forbearance option available to me to postpone my payments. At the time, the servicer was Sallie Mae. Total amount owed after graduating and grace period for my two private loans on XX/XX/XXXX was {$15000.00}. After the various periods of forbearance, my balance jumped to {$23000.00} on XX/XX/XXXX. When I started making payments, there was an inconsistency on how the payment was being applied to my principal and interest balances as demonstrated by the document attached. The loan was sold to Navient on XX/XX/XXXX at which the balance remained almost the same at {$23000.00} after two years of making payments. The inconsistency of how the payments I make are being handled is still occurring and after over 5 years making payments, my balance remains at {$19000.00} on XX/XX/XXXX. To this day, I have made {$19000.00} worth of payments that have been inconsistently applied to principal, interest, and fee balances since XX/XX/XXXX. How do I still owe almost the same that I already paid and much more than I originally borrowed? I never agreed to any type of repayment plan where my money was primarily used for interest payments. In addition, I am currently unemployed and have not source of income to continue paying this ridiculous balance.
XX/XX/2018 I called them caus I feel i like They are changing too high on interest. 24.15 % is ridiculously high. No XXXX and XXXX card just got in big trouble for that. I call asking them to lower it into the teens they told me the lowest I can go is 20.99 %. Still too high if you ask me. I told them I would be reporting them to you and as soon as I pay it off in a few months I will be deactivating my card and no longer using them due to their crookedness of a high interest-rates
it says that AmeriCredit ran a report on XXXX/XXXX/15 I do not know how this happened I never said that this could happen the only report that should of been runned that day is for XXXX XXXX XXXX XXXX, VT. 
What can we do to fix this problem. 

XXXX XXXX XXXX