WillisBack/dataset-financial-user-claim huggingface dataset:
*** This is not a duplicate *** I had written twice to XXXX XXXX on XXXX XXXX via certified mail USPS XXXX USPS XXXX concerning XXXX account by debt collectors XXXX XXXX XXXX account XXXX and XXXX Account XXXX. 

I had seek validation from XXXX through certified mail but did not received it. Tracking numbers are : XXXX/XXXX/XXXX USPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX USPS XXXX XXXX XXXX XXXX XXXX XXXX Also XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX I did not get any response from either that this debt is valid. I escalated this to XXXX XXXX, sending them copies of the letters I mailed to the collector as well as proof of delivery, and they also did not respond. It has passed more than 30 days since I requested validation and have not received it.
I have been repaying on my private student loans for the last 6 years and when economic hardship fell upon my family, I had defaulted on XXXX my smaller loans. The loan did get paid off but this has effected my credit score as well as my parents and when trying to talk with representatives from the private loan institutions no one is willing to talk or help take care of any of issues or terms of repayment to ease the monthly financial burden. There are no options and the debt burden on myself as well as my parents who are cosigners is effecting everything in our lives. When asked if the terms could be changed or allowed for my cosigner parents to be released from my loans after so many consecutive on time payments, the idea was completly dismissed. Its so frustrating and upsetting that there is no relief or willingness to help elevate the burden that so many people are facing with student loan debt. How are you to repay your loans when the whole system is set up for you to most likely fail, the uncertainties of life can not be managed and accounted always and its unfair for students trying to better their lives and living situations to be stifled so much from being able to live. It 's no longer just that individual persons problem it is a problem that is effecting many aspects of families as well as the economic growth of a generation that ca n't truly establish themselves.
Citi credit card closed XXXX of my accounts for " excessive '' adding and deleting of users on my account. I am in right standing with the company and I have a credit score of XXXX. I did break any rules or laws.
On   XX/XX/XXXX ,  I became a tenant at  XXXX  at  XXXX   XXXX . I signed a  one  year lease.   Moved out after 10 months on   XX/XX/XXXX   because of I had another place that was available and afraid to lose this opportunity. I paid the  XXXX  month before I vacated.   There was {$870.00} still due..for 12 month rent.   I waited to see if the landlord could rent my apartment to someone else.   Sure enough they were able to rent to a new tenant on   XX/XX/XXXX .    Under Florida  State  law a landlord is not permitted to collect double rent on an apartment, therefore by law I was not to pay the landlord for the  XXXX  month.   The landlord without any notice with complete malice gave the debt to attorney Warfield for collections. The landlord gave me no credit for the  XXXX  month that I paid as well as requested collection for the  XXXX  month.   I did not know this was in collections occurred until receiving a phone call in   XX/XX/XXXX .    This is an error on  XXXX  counts. Please have this removed from my credit report.
I MADE A COMPLAINT TO CADOI BELOW. I HAVE ALREADY PAID MY INSURANCE PREMIUM IN FULL WITH {$110.00} OUTSTANDING OVERPAID I WANT CREDITED FOR XX/XX/XXXX PAYMENT AND THE INSURANCE PREMIUM TO BE REMOVED FROM MY ACCOUNT. YOU MAY HAVE TO DO ACCOUNTING ADJUSTMENTS. A COPY OF THIS COMPLAINT WILL BE FORWARDED TO CONSUMER FINANCIAL PROTECTION BUREAU. 

WELLS FARGO DEALER SERVICES ARE BILLING ME IN USURY ( OVERBILLING ME ) FOR CAR INSURANCE ATTACHED TO MY CAR PAYMENT EACH MONTH. THE COMPANY XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX, CA XXXX POLICY NO XXXX. PHONE NUMBER XXXX. MY INSURANCE STARTED XX/XX/XXXX. I WAS BILLED {$94.00} A MONTH UNTIL XXXX XXXX WHEN I WAS BILLED {$140.00} A MONTH. THEREFORE I PAID {$94.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX {$140.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I PAID {$140.00} A MONTH. I PAID {$1100.00} IN TOTAL THAT WELLS FARGO IS CHARGING ME MONTHLY TO PLACE INSURANCE MONEY IN THEIR REVENUE ACCOUNT WHEN I HAVE ALREADY PAID MY FULL PREMIUM. I HAVE OVERPAID BY {$110.00}. THIS {$110.00} I ASK TO BE CREDITED TO MY PAYMENT FOR XXXX XXXX. WFDS IS CAHRGING ME {$370.00} FOR XX/XX/XXXX WHICH WOULD MAKE ME OVERPAID BY {$280.00}. PLEASE ADDRESS THIS ASAP. I AM REPORTING THIS TO THE CFPB. 
Fw : XXXX XXXX ACCT XXXX WFDS RE XXXX XXXX XXXX CALIFORNIA DEPARTMENT OF INSURANCE COMPLAINT XXXX XXXX XXXX Reply| Today XXXX XXXXXXXXXXXX Sent Items This message was sent with high importance. 
WELLSFARGOINSURANCECAR XXXX XXXX WELLSFARGOINSURANCECADOICOMPLAINTQBE.pdf XXXX XXXX attachments ( XXXX ) Download all Save all to OneDrive XXXX TO XXXX XXXX . 

**XXXXALL SEVEN PAYMENTS FOR INSURANCE WERE MADE SINCE XX/XX/XXXX. ***I AM REQUESTING AN ADJUSTMENT ON MY ACCOUNT. 

XXXX XXXX Payment History Help Print This Page End of HelpAndPrint Loan XXXX -- XXXX NISSAN SENTRA-XXXX CYL. 


Posting Dates XXXX/XXXX/XXXX ( MM/DD/YYYY ) to XXXX/XXXX/XXXX ( MM/DD/YYYY ) Invalid date range Transaction History ( Select a payment to view Transaction Detail ) Posting Date Effective Date Description Amount Principal Balance Next Due Date XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX*XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LATE CHARGE ADDED XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX*XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LATE CHARGE ADDED XXXX XXXX XXXX/XXXX/XXXX LATE CHARGE ADJUSTMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX*XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LATE CHARGE ADDED XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX MO DEFERMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX CORRECTION/ADJUSTMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
I have notified the different credit agencies and the collection agency that this account do not belong to me. Please review the attached police report. The XXXX - XXXX  ( XXXX ) and the unknown collection account on my XXXX  - Acct # XXXX account do not belong to me. Please remove these accounts from my credit file.
XXXX 2016 my wife was mobilized from XXXX status to XXXX then XXXX overseas. 
We filed the appropriate paperwork with XXXX to invoke the Servicemen 's Civil Relief Act ( SCRA ) for this loan. The mortgage payment prior to SCRA was : - ( P & I ) = {$770.00} - Escrow = {$260.00} -  TOTAL = {$1000.00} After SCRA was invoked the payment was : - ( P & I ) = {$770.00} XXXX Escrow = {$240.00} - Buy down ( SCRA ) = XXXX - TOTAL = {$900.00} XXXX incorrectly lowered the Escrow payment and, in violation of Federal law, kept the amount of interest paid to the bank at the 7.78 % rate. 
The lowering of the Escrow payment has now caused a huge Escrow shortage. 
XXXX, a manager at XXXX, has documented my grievance. I believe this is not the only SCRA loan that has been incorrectly modified to collect funds boosting the banks profits and harming the service member.
I noticed on my credit report a charged off {$930.00} balance with Synchrony Bank for an XXXX card account. I called the available customer service number, gave them my Social Security number, then was told by an automated voice " we are not taking calls at this time. '' I have tried numerous times to contact the company to no avail. I do not know how I am supposed to rectify my past due debt.
This communication is in response to Complaint ID : XXXX with XXXX XXXX. I have received correspondence that XXXX XXXX and they didn't receive any verbal nor written agreement from the original creditor in order to validate the debt as being mine, however I have stated that I don't recall owing them anything, and it is still showing on my report.

This is a clear violation of my rights under the Consumer File Rights, Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act. If they aren't able to validate the debt, then they need to remove the item from my credit.

As a matter of fact, I see another company on my XXXX  credit report that appears to be collecting the same debt. I'm not even sure what this debt is, neither am I sure of whom I'm supposed to be dealing with in regard to its resolution. 

This item doesn't have enough support to validate being mine, let along negatively impacting my credit report.
I had a checking and savings account with PNC for around 4 years. I also had a revolving credit card ( card where you put down money as collateral, in my case {$300.00} ) While at PNC I experienced having to pay to take my money out of my savings account, unforgiving overdraft fees, and all together lousy service. I was stuck with them though because they were the most convenient option given where I lived. 

On to my complaint. When I moved across town, I switched banks and went to close out my accounts. Checking and savings were closed just fine. To close my credit card account, I had to pay the full balance of the card which was {$380.00} minus the {$300.00} that I had put down on the account. I was dealing with a banker, not a teller. I handed over the {$85.00}, and was not given a receipt, but I was told it would all be taken care of. 

Fast forward 4 months and I get a call from a COLLECTION AGENT of PNC asking me to pay the balance on the card of {$150.00} dollars. She also informed me that my account had been closed. I went into the branch that I had gone in to close my account and see the same banker I had dealt with. She remembers me and after I explain what happened, she calls customer service and files a complaint. I get a call 2 days later from consumer complaints and I am told that my agent will investigate the records from the branch in Ohio that I dealt with for the {$85.00} that I had paid when my account was closed. A couple days later I get a call. She did n't find anything supporting my claim, and that I have to pay the balance in full. 

( The date of account closing and final balance on card are approximated, after many phone calls, and records showing different amounts. This is because I NEVER RECIEVED A RECIEPT ) What does n't make sense to me is why in the world would I close all of my accounts and ask for my revolving credit card to be cleared of all charges except the {$85.00}? What kind of XXXX would allow me to do that? Why would they refund my {$300.00} dollars and keep the account open, without any collateral? 

I have been very patient. I put up with a lot of ABUSE and have paid EXORBITANT FEES in my time with PNC. To me this is just another in a long string of UNFAIR COLLECTION PRACTICES.
{$1700.00} someone use the card and been using it and paying the bill.I contact the company and my stuff was sent over to the credit reporting agency and to a collection department .I would like to get this off, I spoke with them and they said this account should be deleted due to fraud .i had papers and all.here s the  company THE BUREAUS INC XXXX XXXX XXXX XXXX. 

XX/XX/2018 {$1700.00} {$1700.00} XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
NCB magement bought my installment loan from risecredit. I am the process of selling my home. When my home sells. I will pay off the amount that I borrowed not any interest or late payments. I just would like to notify ncb that I will pay this off once my house sells.
I made a purchase on XX/XX/XXXX and I was told by the associate that I would receive 10 % cash back in rewards if I opened a store credit card and made a purchase the same day. This associate told me that it would take up to 30 days to receive the rewards. He walked me through the process step by step. I initiated a chat through a representative and they stated that I would receive the rewards. 30 days later, I did not receive my rewards credit. So I called Best buy and they stated to me that because I did financing, I was not eligible. They told me that I would have to pay the balance in full in order to receive the credit. So I asked them what was the purpose of me doing a hard inquiry on my credit report, take out a credit card and make a purchase just to turn around and pay the bill in full in order to receive the rewards credit? That does not make any sense. So I went through their terms and conditions and I do not see where it explicitly states that you are not eligible for the rewards credit if you are doing financing. So I went back to the store and ask another associate and they stated that you do not have to pay the balance in full in order to get the cash back. I am receiving different stories from different areas. The information that was provided to me was misleading. Why would I take out a credit card just to get rewards credit, if I had to pay the balance in full? This is a deceptive practice that Best Buy is doing to consumers. Also, the store associates needs to be properly informed of how the rewards options work. In addition, I would like to see where in your terms and conditions it states that if you choose financing, you are not eligible for the credit. The purpose of a credit card is for financing. Why would someone risk a hard inquiry on their report, if they could just pay the balance in full or use a card that has already been established to pay the bill.
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX,
Today and yesterday I received repeated calls from Wells Fargo dealer service after they have left messages and they continue to call me
Our property is in Tn, and we had to leave due to my health in XXXX of XXXX. Leaving our sons to take over the mortgage payments and utilities and all of our belongings. Everything was going fine until we got a couple months behind in our mortgage. The original mortgage holder sold the mortgage to another company without our knowledge. 
When we found out, we tried to work with them and we told that they do n't make arrangements. They want the whole arrears or nothing. The loan holder is a XXXX Veteran and there is no way to come up this kind of money. We even gave them new our address away from the property. 
This went on for 2 years until I hired XXXX XXXX, an attorney, to stop the foreclosure in XXXX I paid the attorney to do my wishes, which did n't happen. We tried to do cash for keys, and it was never presented. We dismissed the attorney in XXXX. 
XXXX of XXXX, some XXXX came to the door asking questions about the property, wanting to come in. My son refused. She went around to see our XXXX XXXX XXXX barking, and she stated that he was the XXXX making all the noise. The next day he came up missing. 
A police report was filed. Cars passed slowly taking pictures of my house and property. 
We contacted the mortgage company in XXXX of XXXX requesting loan modification. We submitted the paper work many times and they kept tells us they never received the paper work. 
They sold the property at foreclosure sale on XXXX XXXX, XXXX, and no one purchased it. They still would n't work with us. Our personal belongings were still in the house, and we were trying to work with them so we could get our stuff out. 
We were never served with with eviction papers until XXXX XXXX, XXXX, giving us 30 days from the XXXX to remove our things. 
On the XXXX, the mortgage company ordered all our belongings inside and out side be removed and destroyed. We have litigation over the disposal of the personal property. 
This complaint is that they never allowed us to do a Loan Modification, and foreclosed on us, and sent people to harass our son while he was staying there. We finally brought him to live with us XXXX of XXXX cause he could n't handle the harassing any longer.
I previously filed complaint XXXX XX/XX/18 against Equifax for not changing the account XXXX XXXX XXXX that was included in my chapter XXXX and charged off with a balance of XXXX. It was corrected and actually removed from my report as requested ; therefore, I withdrew my complaint with your company. As of today XX/XX/18 it has reappeared on my credit report and my score has dropped once again. I want Equifax to permanently remove XXXX XXXX XXXX from my credit report. My next step is to contact my bankruptcy attorney as I know legal action can be taken.
This company is reporting various names and addresses that have never belonged to me and even though I have provided documentation they have not corrected the information on my credit report.
I'm noticing that my personal information and line of credit that is open has been open back before when I started establishing credit myself because back then I had someone else in control of my credit so I need to dispute and erase that off of my credit report because I did open any kind of line of credit on my credit report since I have been legally authorized to do it on my own. I had my first line of credit opened on XX/XX/XXXX my first credit report according to my credit wise account is saying that my first single my credit report inquiry that must done by me was on XX/XX/XXXX and my first line of credit got opened on XX/XX/XXXX by me and anything farther back from XX/XX/XXXX is not accurate information done by me on my credit report and I need to disputed
I have loans with Navient, formally XXXX XXXX. This company is ridiculous. They do not try to help in any way. Every time you call and try to get help with lowering your payments they tell you there are no options at this time and give you the option of putting your loans in forbearance. I my loans are currently up-to-date and they still will not help loyal customers. People have life changing events that happen and they still do not want to help. The amount of money that you pay is outrageous and the interest rate is unbelievable. This company sucks in so many ways.
XXXX cable has sent me to collection for {$210.00} i was sent to credit protection association XXXX account # XXXX. they where informed this is a legal dispute and there is no debt owed. I am seeking damages due to poor quality service provided and network outages has resulted in a loss of trading profit of {$4900.00}. i do not owe them nothing for poor quality service provided. so i hear by now dispute this debt with you also. i have disputed this debt with the collection agency and XXXX personal and they keep on trying to collect. the damaged out way the debt. so this debt was paid when the damages out ways the debt.
This collection is for an early termination fee for cell phone service from  XXXX   XXXX . First of all I have successfully disputed this debt several times and it was removed from my credit report. Then the  Debt collector sold the Debt to another Debt c ollection agency and it appears back on my credit report. The dates of the erroneous debt was falsified prior to being sold to the next Collection agency to make it appear as a recent and valid dated outstanding debt. This is actually a very old account and that in itself should warrant its removal. As to the original early termination fee charged by  XXXX   XXXX .  1  ) I was a long standing customer of  XXXX   XXXX  and was never late with a Paymen t 2 ) S ince had the service for a very long time I was no longer under contract with  XXXX   XXXX  therefore an early termination fee would not app ly. 3 ) I  contacted  XXXX   XXXX  in writing 30 days prior to terminating the service. I do not owe this money and I will never pay this invalid bill because I do not owe it. But it has taken up a huge amount of my time responding to the false charge. Please assist me in its removal. This negatively impact me in several ways. If this charge had appeared when I recently refinanced my house it would have resulted in a higher interest rate which would have affected me financially for years. This is a predatory collection. I understand its their business. But I have to work for my money and Im not giving it away for free. That would equate to letting them steal from me. That 's not happening. Thanks for your help.
On XX/XX/XXXX I submitted a complaint through this venue directed at Experian for inaccurate and fraudulent information that continues to report on my credit report with Experian. 

Additionally, I called and spoke with Experian 's Fraud department to confirm that hey had indeed received my attachments of my driver 's license 's and first two pages of my previous and present lease agreement 's to further validate my disputes. They instructed me that not only had they not received any of these documents, but they would not be able to see said document 's. I find this disheartening to say the least. I have multiple things reporting on my credit that are either inaccurate or fraudulent ( not mine ). 

Once I received the results back from my previous disputes on XX/XX/XXXX ( Report # XXXX ) all of the results had been completed and updated which I find discouraging. First off, how is that possible that every one of my disputes with these companies come back on the same day with the exception of my inquiries and one account with XXXX? While I understand that inquiries for examples are totally separate than accounts etc., I do know that these companies that re reporting on me that are not mine have absolutely no way to prove that they are mine. I have submitted documents over and over and over again that clearly support my stance, yet they continue to report on my credit. 

Bottom line, the accounts that I am disputing yet again are certainly not mine and I would be extremely grateful if whomever is responsible for leading this investigation to please do their due diligence accordingly. For example the ( 2 ) XXXX XXXX collections both of which were not mine as I wasn't even living in those states at the time these accounts/collections were even established. 

Thank you kindly,
i been communicated via letter, via phone with experience, i must send 10 letter and over 10 calls, which you get a XXXX, XXXX operators, never one here in teh us, disputing errors on my credit report, letter after they do nothing, they are fraudulent, hurting my changes of getting a home. I am a responsible citizen, that works pay her taxes and bills on time, this comapny intentionally is not reacting to my claims
On XX/XX/XXXX, Friday, a girl named XXXX XXXX texts me that she has an interest in renting the room in my Appartment. She sees the floor plans online and says she's interested and she asked me to send me money as she needed some assurance for it. She says she sent me {$130.00}. Instead she calls my bank and makes a ATM deposit claim of {$1300.00}. After that, my bank credits me {$1300.00} as a temporary credit. She tells me she sent {$1300.00} instead of {$130.00} and send her {$1100.00} back. I did via XXXX transfer. Again that evening she texts me that it wasn't working and she has reverted money back to me, when again she made a second claim on my behalf calling bank of America. I send her the money again. So I send her the money actually from the claim but not the money I thought as she transferrd. I get two messages on my bank of America about the claim, I didn't understand anything. I'm amazed how anyone can call from phone and make a claim without calling from an authorized number from Bank of America. Since it's a XXXX transfer, bank of America will reach out to her account and investigate, but I highly doubt it will work. I want justice against this XXXX and bank of America transfer system which has no fraud protection.
Please provide the most recent version of the promissory note, and life of the loan accounting for XXXX # XXXX XXXX # XXXX and the application for credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX. 
XXXX