WillisBack/dataset-financial-user-claim huggingface dataset:
THE TRACKING INFO IS # XXXX IT GOT MAILED OFF ON XXXX/XXXX/2015 FROM US POST OFFICE IT GOT TO XXXX ON XXXX/XXXX/2015 @ XXXX AND IT HAS N'T BEEN SCANNED ANY MORE SO THEY CLOSED THE CASE & SAID THEY CANMT GIVE ME AN REFUND THAT WILL NOT HAPPEN I WILL NOT PAY ANYTHING FOR AN PHONE I PAID TO SEND BACK & XXXX DID N'T SCAN PACKAGE IN TO SHOW WHERE IT IS ITS NOT LIKE I CAN JUST GO TO THE PLACE OR CALL & ASK WHERE IS MY PACKAGE & THEY KNOW THIS & USE THESE TRICKS TO MAKE YOU PAY FOR ITEMS YOU HAVE RETURNED WHEN THE SELLER SOLD ME AN ITEM THAT WAS N'T WORKING I HAVE ALSO COMPLAINED TO CFPB ALSO AND THE FEDERAL RESERVE ABOUT THE PAYPAL. I WAS SENT AN EMAIL TELLING ME TO RETURN THE MERCHANDISE BACK TO SELLER & I NEED TO USE A SHIPPING METHOD THAT PROVIDES ONLINE TRACKING INFORMATION! I DID THIS.
I received notice  from Lloyd & McDaniel   XXXX   XXXX   XXXX   XXXX  ( dated    XXXX   XXXX   XXXX   ), stating  that   XXXX   XXXX   XXXX   had referred my account to them for collection. The letter stated the amount owed and where payments could be made.   I sent out a letter on    XXXX   XXXX   XXXX   (  Certified Return Receipt ) to the   XXXX   XXXX   stating that I was willing to make payments on this account. The letter was received at the  XXXX .  XXXX  address provided on    XXXX   XXXX   XXXX      at   XXXX   XXXX  . No contact was ever made to me in reference to the letter that I sent, trying to resolve the debt. I also submitted a settlement offer on the firms website  on   XXXX   XXXX   XXXX    and no response was ever provided.  <P/> On Saturday,    XXXX   XXXX   XXXX   I receive a n otice in the mail from  XXXX   XXXX   XXXX ,  XXXX  stating that it had come to their attention that a civil suit has been filed against me in  XXXX   XXXX   XXXX . I have not received notice in reference to any of the matters and I have certainly been trying to resolve the situation without having to have a judgment filed against me.  <P/> This law firm does not seem to want to assist those who are willing to take care of their debts, they are automatically trying to sue and garnish wages.
The loan officer XXXX with SWBC misrepresented the product with her company by claiming to have a three in one close with an VA approval. I discovered that SWBC do not offer an construction when XXXX claimed she would have to speak with another bank. 
She mislead me to believe she was the one that would process the loan and do the lot, construction and permanent loan all in one. She falsely stated that the VA loan offered only 5 % and that I would only have one close. All this turn out to be false and again SWBC do not offer construction loans. 
She violated my trust and presented false statement about the loan process and when confronted about what she did, she attempted to avoid the conversation. I presented this information to XXXX XXXX who ignored my concerns and refused to address what she stated and did. They acted in a malicious manner and refused to be truthful about what she stated but the realtor that referred her to me was on the phone when she claimed what she could do and the type of loan she would provide.
I am writing you about a response I received from MIDLAND CREDIT MANAGEMENT. I Disputed an account that was charged off on my credit reports with the XXXX major credit bureaus. It was charged off on XXXX. I am filing an complaint because Midland Credit Management is requesting the XXXX major credit reporting agencies report this account they have bought of mine that is over seven years old -- as " DISPUTED ''. They requested this as of XXXX. This Dispute is OVER 30 days old. They continue to request it as an ongoing continuous dispute. I am no longer Disputing this account as inaccurate. I NO LONGER want Midland Credit management to keep processing this dispute. It is well over 30 days past my initial dispute. I want to pay debts and resolve problems, unfortunately, MIDLAND is holding my credit report hostage to dispute notations -- - that are old disputes that should have been resolved in 30 days. Otherwise, I could pay more off with better credit reports. If they keep reporting as disputed, I will have to take legal action. I know you can assist me with this considering Midland 's legal trouble and history.They are no longer legally allowed to investigate my OLD dispute. This account is # XXXX. I am NO LONGER DISPUTING THIS ACCOUNT WITH MIDLAND CREDIT MANAGEMENT , INC . ADDRESS : XXXX, CA, XXXX.PHONE : XXXX
My XX/XX/XXXX mortgage statements if payment is received after XX/XX/XXXX a XXXX late fee will be charged. my payment was sent by express mail on XX/XX/XXXX and delivery was attempted at XXXX on XX/XX/XXXX the attached document shows. 
my payment was there before the designated day and I was still charged a late charge
My mortgage servicer did not apply my payment in a timely manner and caused me to be delinquent per their records. My bank confirmed the draft check ( sent by my bank - see below ) was received by SLS on XXXX/XXXX/2016. SLS did not process the payment until XX/XX/XXXX - after the late fee cutoff. My scheduled payment of {$11000.00} was placed in suspense on XX/XX/XXXX and not applied. I was current on the account and have been for 10 years. My payment is still in suspense and I received a default notice today showing my un-applied funds and a late fee of {$560.00}. I called customer service and was passed to an executive queue, where SLS confirmed that their cashiering department put my payment into suspense and would open a research ticket!!!! I should call back in 2-3 days!!!! This is an issue that should have been resolved on the spot. I have been forced to send my payment via normal mail and am concerned that it will be processed in the same manner this month. This is poor customer service and appears to be a non-compliant process - not posting funds when a complete P & I payment is in hand. 

Note : SLS does n't accept borrower initiated ACH payments anymore - my banks, both XXXX XXXX XXXX and XXXX XXXX XXXX, both confirmed SLS will not accept electronic payments and instead the Banks have to cut a Draft Check for mailing to SLS. SLS offers ACH - only if you sign up for one account on a specific day so SLS can draft at their initiative. They offer XXXX XXXX for {$9.00} a payment after the XXXX of the month. These are not acceptable options in today 's world, not convenient for me and provides me no flexibility to pay ( 1 ) on any day prior to the end of the 15 day grace period from month to month, and ( 2 ) from any of my accounts from month to month. I was able to make my payments easily before XX/XX/XXXX - and now a business practice has caused a delinquency issue, all the while they had my funds
I returned to the XXXX several years ago after being out XXXX working for several years and finally checked my credit report and found I had a Charge-Off from Synchrony/JCPenney from a credit card that had been opened while I was out of the country working I tried calling Synchrony many, many times trying to get information and report it as a fraudulent account and was told by their customer service employees that they had no information to give me and that the account was originally serviced by GE Money and they never received anything from them whey they took over the account? They told me that I had to contact the Collection agency XXXX XXXX and that if there was any paperwork to " Validate the Debt '' they would have it. 

I started sending Debt Validation letters to both Synchrony and XXXX XXXX in XXXX of this year ( 2015 XXXX and neither company responded as required by U.S Federal law? Finally when I hired an attorney to sue XXXX for failure to validate the debt and for illegally reporting false information to the credit reporting agencies they immediately contacted me and notified me that they indeed did not have the information to Validate the Debt and that I was no longer responsible for the debt and they would contact all XXXX credit reporting agencies and remove the false information. 

Synchrony on the other hand is the worst company I have ever had to deal with in my entire life they are continuing to report the debt even though they can not even validate it and they have yet to respond to even XXXX XXXX XXXX XXXX of my debt validation letters and they do not care that they have no records to back up their claims and yet they continue to illegally report false and negative information they will not even give me any information how to contact their legal department to serve them for lawsuit its pretty bad that this country lets crooked companies like Synchrony operate and it is really sad that you have to resort to hiring an attorney. 

I want them to comply with U.S Federal Law and provide me with the information they are required to by law ( Validate the Debt ) immediately and or remove the false account from my credit reports. This has gone on far to long and I am paying much higher interest rates on all my credit accounts because of their illegal reporting.
On XXXX XXXX, 2018, I tried to send {$500.00} via Western Union online site to my brother in XXXX. I received an email informing me that my request was being reviewed. Two hours later, I received another email informing me that I must send copies of my passport or drivers license by email. 
I contacted the WU using the phone number they provide in their email, and spoke with an agent ( apparently from outside the U.S. ). I told the agent that in the U.S. we do not send copies of our government issued documents by email. If we have to provide identification verification documents, for example to open banking accounts, we do so via secure website of well-established financial institutions within the U.S. I explained this by phone and emails to this and other WU agents ( all of whom were from overseas ), but they did not seem to understand the importance of securing customers ID information. They continued to insist on having me send my IDs by email. 
I went to one of the local WU branch ( XXXX XXXX, XXXX, Maryland ), and provided the tracking number ( XXXX ), and showed two photo IDs. The local WU agent called WU and spoke with an agent ( from overseas ) who said to her that he needs me to send my ID by email. She told him that she saw my IDs. The overseas agent said that he will transfer her to the compliance department. The local agent spoke with the compliance representative, who also was from overseas. The compliance representative repeated to the local WU agent and me the same request, that I must send my ID by email. I told her that I can not send my ID by email. At this point I realized there was an impass, and I lost trust in WU. I asked the local WU agent to cancel the money transfer and return to money ( {$500.00} + {$11.00} ) to my credit card account. The local agent called the overseas compliance agent again, who said that I still need to send my photo ID in order to get a refund. Sine the local agent was not able to help, I told her the I will ask my credit card company to stop the transfer.

I called my credit card company, but they said they can not stop the transfer because it has already be transferred to WU, and that my only option to file a dispute when the money is cleared ( now it is pending ).

I called WU agents, compliance representatives and customer care representatives and emailed them several times. They were all from oversees and they never provided my with a phone number of someone I can talk to with the U.S. Finally, someone from the compliance department called me and asked my to submit a letter in liu of the photo ID, to provide additional information ( full name, gender, date and place of birth, relationship to recipient, purpose of transfer, etc. ). I provide all the information requested by email. Agi, they sent me an email that I still need to provide photo ID to ancel the transfer. 
I am extremely distressed, and not only that I fear that my personal information that I have given to WU could be mishandled, but also my money and credit card account can be subject to fraud.

I urge you to please investigate this issue or let me know who I should contact to help me with this situation.
I sent Sunrise Credit Services to certified Validation of Debt letters. They never responded to my request and never gave me any prior notice of this debt. My understanding of the Fair Credit Reporting Act they are required to provide me the information I requested and if they do n't they are required to remove this negative report with the CB. Furthermore, they ran my credit without oral or written authorization damaging my credit as well.
I borrowed money from XXXX XXXX XXXX, the sum of {$450.00} sense that time I loss my job and they new this. They called me several times and I told them my income had dropped tremendously but they kept calling me. Then they started running a check through my account every night until the bank closed my account. I paid out more than {$400.00} in over draft fees which could have been their money but they ran a check through my account every night until I have no account now. I did n't know that my account had been turned over to a collection agency until today when I received a notice from the XXXX. It stated that XXXX XXXX XXXX had turn my account over to National Credit Adjusters. I have been receiving a lot of calls from credit adjusters over the pass couple of months they call me at lease 3-4 times a week. They ask me for personal information such as my Social Security Number and my birth date and I refuse to give that information. We were told by the Federal Government not to give out personal Information over the phone because you never know who you are speaking with on the other end of the phone. I refuse to give out that information. National Credit Adjusters refused to give me their address instead they started asking me a lot of questions, all I wanted was the address from them and they refused to give it to me instead they asking me a lot of questions.
Issue with AES misapplying student loan payments in late XX/XX/XXXX/ early XX/XX/XXXXand after payment correction they reported one of the loans as defaulted on my credit report and on their website. I submitted this letter via website and via fax to AES. This issue has not been resolved. Account # XXXX - Loan Sequence # 2 AES has a confusing practice of handling loans. The reps do not relay the same information from call to call. Mishandled payments and told me everything was ok after payment resolution and then they proceeded to report a defaulted loan. One account number with 3 loans and I could never talk to one rep about all 3 loans. <P/>RE : URGENT - Appeal Request - Reinstate XXXX Loan Request I am requesting an Appeal to reinstate the XXXX Loan ( XXXX ) currently in Default Status. I have two other loans ( XXXX Loan - Type XXXX ) and ( XXXX Type XXXX ) that are both in good standing. My account history will show that payments were always on time until the misapplications of payments began to occur in XXXX. Over a five month period inXX/XX/XXXX ( XX/XX/XXXX ) calls were made repeatedly to AES requesting that payments be re-applied correctly. It wasnt until Supervisor XXXX ( check my records for her rep id ) suggested that the problem required a review of the entire account in order to accurately correct all misapplied payments. Prior to this time the reps were only requesting investigation department correct the month in question and not going back to first occurrence of the problem in XX/XX/XXXX. InXX/XX/XXXX there was one more occurrence of misapplied payments. After each request a follow-up occurred to see if the correction was complete and each time the representative stated that the payments were corrected and that the entire account was current. On, XX/XX/XXXX I spoke with two reps prior before speaking to a supervisor for assistance. Supervisor XXXX ( rep # XXXX ) confirmed that my other loans are in good standing and did not find any issues with my payment history. He was unable to assist me further hence the purpose of the request. I request that you reinstate the defaulted XXXX Loan ( XXXX ) with the consideration that I had an exceptional customer history prior to this mishap and that you understand how the following facts directly contributed to the defaulted XXXX loan : 1 ) five months of misapplied payments, 2 ) two loans with same due date not clearly distinguishable to AES reps during calls, and 3 ) lengthy payment correction time. Please accept this request that I deserve to have the loan reinstated and not have my credit ruined as a result of these events. I have never defaulted on any loan ever. It is my desire that you provide exceptional customer service that is a direct reflection of me being a valuable AES customer. Sincerely, XXXX XXXX XXXX
MRS BPO continues to mail me letters saying that I owe them money or they are attempting to collect a debt from me.
I have never done business with MRS BPO nor do they have a contact with their company containing my signature. I sent them a letter requesting a contract from MRS BPO   reflecting my signature and they continue to send me letters from  XXXX   XXXX   XXXX   XXXX  instead of documents showing my signature listed.    MRS BPO needs to produce a contract from myself to them with my signature as I originally requested. I HAVE NO CONTRACT WITH MRS BPO. MRS BPO  NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
I have a Bank of America Credit card which was compromised. I contacted Bank of America on or around XX/XX/2016 and informed them of all the unauthorized transactions. Bank of America has acknowledged these disputes however refuse to deduct the amount in dispute from my balance as required by Federal policy. Further, Bank of America has reported this inaccurate balance to XXXX, XXXX and XXXX, again in violation of Federal Policy. I have disputed this balance with the XXXX bureau mentioned.
I had to unfortunately file for Chapter XXXX bankruptcy in XXXX, XXXX. I took pains to make sure that my home mortgage with Bank of America was not included in the bankruptcy because I did not want to lose my house to foreclosure and I wanted to protect my credit for future home mortgage loans. I had to list all of my debts for the Court, so the loan was listed. One of the credit card accounts that I did include was with Bank of America. I kept making my mortgage payments in full as usual. I then listed and sold my home and paid off the mortgage through escrow in XXXX, XXXX. I kept receiving monthly statements from BofA all the time leading up to the close of escrow showing that I made my previous payments as usual and my balance right up until I paid it off. I received a XXXX form for my IRS taxes in XXXX of XXXX for the year XXXX and in XXXX of XXXX for the year XXXX showing that I paid interest that was included in my monthly payments for the year. However, when I applied later for credit I was turned down and I requested a copy of the credit report through XXXX I saw that the BofA reported that my home loan was included in my bankruptcy and that I stopped making payments as of the date of the bankruptcy in XXXX, XXXX. I requested an investigation to resolve this error through XXXX. XXXX simply sent my letter to BofA, who simply did nothing to change the status. I contacted my attorney who did the bankruptcy for me and she said it was the BofA that had to confirm with the Court that they were not included in the Bankruptcy ... which they did not do. Perhaps they got it mixed up with my credit card account or they are punishing me for the credit card account dismissal. Later, I requested another credit report through XXXX with the same results, including a request to resolve this issue to no avail with BofA. I am now appealing to the Consumer Financial Protection Bureau and will attach all my documentation.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. I contact the credit bureau Equifax, but they did not help me, the accounts are still on my credit report and it is hurting my credit score. CFPB do something to remove XXXX XXXX XXXX XXXX XXXX
My bankruptcy ended on XXXX/XXXX/2015 and I received verification from my lawyer that those that I had XXXX loans with have been notified. Out of XXXX lenders, Wells Fargo was the only XXXX that I had not received bills from since then. 

I received a letter today ( XXXX/XXXX/2015 ) stating that my loan has been defaulted and I need to pay the full amount. I was also given the option to try and work out a payment schedule but my only option to do that is by phone. Unfortunately I ca n't afford to make that call or to have a phone. 

I hope through here I can facilitate some type of electronic communication to get this resolved. I also prefer electronic communication so I have the documentation for my records in case I need to go to court regarding this issue as I will need to represent myself and need the documentation on my end of my efforts.
Hello, I leased a vehicle through Honda Financial ( dba Acura Financial ) in XX/XX/XXXX. I paid that loan off in XX/XX/XXXX and the installment account was reported as closed and " pays as agreed '' on my Credit Report. In XX/XX/XXXX, I was contacted by Acura Financial about " toll fees '' that I accrued in XX/XX/XXXX and XX/XX/XXXX unbeknownst to me. At this point in time, the lease account had already been closed and paid for ... well over a year. I told them I would pay the fees and made a single payment over the phone. I admit that I forgot to pay them after that as I did not have an active loan or credit account with them. I also did not receive any correspondence about the rest of the toll fees. On XX/XX/XXXX, I was alerted to a credit alert on my report. I noticed that my old lease account, which was closed and was once " pays as greed '' had changed to " pays XXXX days ''. As a result, my credit score dropped XXXX points. I think this is highly deceptive to anyone looking at my credit. This change implies that I did not pay my lease agreement on time which is untrue. I was NEVER late paying my lease or any of my cars. I had NO idea about these fees until over a year later. If I accrued these tickets in XX/XX/XXXX and XX/XX/XXXX..why was n't this added to my loan? Why was I able to pay my lease off with unpaid tickets? Why a year later? I admit that I forgot to pay the fees after being contacted in XX/XX/XXXX, but it seems they also forgot to add these " unpaid tickets '' to my loan while it was still active. I also do n't see how it 's legal to " update '' a closed account with false information. 

I purchased another Acura at a dealership and we had to payoff the account before I could obtain possession of the new car. I have proof that these tickets were added to my closed account over a year after the payoff was sent. 

I 've been very loyal to Acura and Honda up until this year, all I have purchased is Honda and Acura cars ... .but it seems they do not share the same loyalty.
I have recently started to repair my credit with the assistance of XXXX XXXX. During my review of my credit reports there had been a hard pull by XXXX XXXX as a request by a Mortgage Company called Envoy Mortgage, located in XXXX Texas and it is a Military Financing Company. 

XXXX XXXX sent out letters to both XXXX XXXX and the Mortgage informing them that I had not applied for a Mortgage and that the information should be removed from my credit. 

To date I have not heard from the Mortgage Company and XXXX XXXX refuses to accept liability.