WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is in regards to my experience with this company in attempt to collect a debt. I resided with a company in XX/XX/XXXX which went under the name of XXXX XXXX owned by a separate company & within months of signing my lease the company was bought out and named XXXX XXXX. Upon leaving my lease one month early, I was expecting to a " breaking lease fee '' & my last month 's rent, which was the month I did not pay ( XX/XX/XXXX ). After leaving the complex there was NO FORM OF CONTACT, simply because none of the contact information on file was correct. I had no knowledge of all the charges the company has built up and placed on my account. XX/XX/XXXX I was applying for new apartments and kept getting denied for this misunderstanding which has now accumulated to my credit. After several attempts to contact the company and set up some arrangement I have took it upon myself to dispute the charges since I had no knowledge of it. I have called and been disrespected numerous time I have be researching where to contact, now I am here hoping to get some help from someone. I wrote a letter explaining how I was never notified of any charges, not even by e-mail and that was the only correct form of contact information. I have never received any notice in writing from this company that they were attempting to collect a debt. I have never received a phone call from this company that they were attempting to collect a debt. I did not give them my current address and - - did not attempt to verify my mailing address, email address or telephone number. I am really fed up with this company and even willing to solve the issue IF my dispute is denied, I am simply out of options and hoping to find a pointing finger here. The company ( XXXX ) was so unorganized and nonchalant that it would be modest to think that their collections company would have any more class and respect. I am hoping at the end of this and with the dispute and this additional complaint that I will soon have this issue resolved and this company name off of my credit. If anyone can provide me with the proper address I should send my letter to, a name of someone I could speak to in regards to solving this matter or any little information that I can use to solve this issue I would greatly appreciate it. Thank you and steer clear of CARTER YOUNG.
The 3 credit reporting agencies are still reporting a account that was opened in XXXX with XXXX XXXX and closed /discharged in XXXX another company called XXXX XXXX XXXX XXXX bought the debit in XXXX and reporting it as opened in XXXX this information is incorrect and currently impacting my credit greatly causing distressing harm.
" if this is not ( my name ) please call us back at XXXX XXXX XXXX to have your phone number removed from this account and discontinue listening to this message. This is Credit Protection Association calling concerning an important business matter. Please call us back at XXXX XXXX XXXX, please refer to account reference # XXXX. This is an attempt by a debt collector to collect a debt and any information received will be used for such purposes. Again, our phone number is XXXX XXXX XXXX, thank you. '' I received a voicemail with this message earlier. I googled the phone numbers and found only that it appeared to be spam. I did find a " possible '' connected website during my search, XXXX, and I entered the account reference # from the voicemail and my zip code, but it said invalid numbers. I then tried calling the number they gave, and after several automated messages, I finally got through to a real person. I gave the person my name, after I entered my " account reference number '' and simply asked her to mail me my bill, if I indeed had XXXX. She asked for my mailing address to access my account, and I refused to give her my address. She said she could be talking to anyone and could n't give any information regarding the account ; I said I did n't need any information and to send the bill to the address that she had on file. She became rude and then hung up on me. 

I know they have my name and phone number, but if I indeed have a debt and they 're legitimately trying to collect it, they would have my address, and I assume they would be a bit more professional. 

All I want from this complaint is to find out if I actually owe money, and if this is indeed a scam, to perhaps shed some light on it for future persons affected.
As opposed to deleting tax lien from my credit file as unverifiable. TransUnion marked the debt as paid, in order to keep an unverified tax lien on my credit file.
Equifax was breached, and now sensitive information such as SSN, credit card numbers, driver 's license numbers, etc., of over 143 million Americans are out for criminals to use exploit. Equifax did not notified affected customers in a timely manner, and instead took over a month before it officially dropped the ball that over half of the US 's population and some in XXXX and the XXXX was breached. The website that Equifax set up to let customers check if they were affect does not clearly state if one is affected or not.
I have been tryng to submit my Mortgage Assistance Packet to Freedom 3 times now. Each time submitted, I am sending via email and to two ( 2 ) fax numbers, all of which have been opened, per my read receipts. 

I have heard nothing from them, just form letters with contact information and XXXX requests for documents I have already submitted. Nothing - other than this. 

Currently, I am in the hole with payments, and can blame really no one else but myself, as the don't care about my current situation. Per my previous complaint, I have stated that I can not afford the new monthly payment due to tax reassessment. However, no communication, nothing to show that they give a hoot. 
I am sending this complaint for several reasons : 1. To force someone to contact me via email, rather than postal mail, per my request in every note, email and fax I have sent them. Postal mail takes to long, and can be used to XXXX me out of deadlines. 
2. To create a paper trail, which is admissible in any court, showing that I am trying to get help to no avail from Freedom. 
3. I feel taken advantage of, as I am on a fixed income and can not make additional higher contributions to payment, at this time. 

Continued ignoring and lack of communication is a well known tactic, one that often results in a foreclosure. I will not have it, and that is why I am pushing the issue.
I have disputed the issue with Equifax, but have received no response other than a request for more information that I responded to over 2 months ago. I am trying to get a  " Fraud Victim Extended Alert ''   removed from the account. Equifax is extremely difficult to contact I have written 3 times via snail mail ; the last  X/X/2017   .
I have had several issues in the past year with Equifax. I have no issues getting credit information thru XXXX or XXXX. Equifax claims there is no credit information tied to my name, address or social security number. I contacted my bank whom I have had several auto loans thru and they stated they are sending information to all XXXX bureaus every 30 days. I contacted Equifax and they tried throwing everything in my court saying I needed to prove who I am by sending copies of my drivers license and social security card via fax. How is it that XXXX of the XXXX bureaus have no issue with my identity and reporting from multiple lenders yet according to Equifax I do n't exist? Honestly, I am extremely uncomfortable about having to prove to Equifax who I am when I have already done so with all the lenders whom I have accounts with.
In XXXX we purchased a timeshare in XXXX and when we tried to use it they never responded. There have been numerous charges against them on the XXXX XXXX as being fraudulent/scam. All of our charges on our XXXX CC were reversed back to us, as all of our charges on our Chase card in XXXX XXXX. On XXXX/XXXX/XXXX we received a letter stating the charges were all charged back to us and that we could appeal. I have sent numerous letters to Chase, including the extra documentation they wanted ( proof that XXXX credited our account, information from the XXXX XXXX ). I still did n't hear anything from Chase. I used their online dispute system and sent inquiries, no response. I then called in XXXX, spoke with XXXX who said I would receive a credit on my card by XXXX XXXX. Nothing. I called again on XXXX and spoke with supervisor XXXX who said they could not credit my account until they get the money back from the timeshare bank. Upon further discussion, they were calling a customer in XXXX ... this is a XXXX company. I gave her the correct number and she stated someone would be calling them and then would let me know the outcome. I asked for a followup date, she could not give me that. I asked for her contact information, she said she could not give me that as well. I then called again on XXXX/XXXX/XXXX and spoke with supervisor XXXX XXXX. He said I would hear in XXXX week the results. I asked if we can make a decision now. He said no. After a lot of discussion, we decided to call XXXX XXXX XXXX together on the phone - which they said no one answered. So we called on a XXXX call, they did answer and were answering our questions, then was disconnected. I 'm not sure who disconnected the call. It 's been more than week as XXXX has said, and still no response. 

I just want the charges credited back to my account and the interest that has been accruing all of this time. This is very discouraging. I have a huge packet of our correspondence, and they just push me off. I 've asked for a supervisor or higher management to call me back, and I hear " we do n't do that. '' Please help!
XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Round Point Mortgage Administration and Law Firm has already sold the house to XXXX XXXX a relative or wife of XXXX, Texas XXXX XXXX to rapidly cover the Corruptions, Fraud, Scandal and Inflanted Value Appraisal of XXXX. 

A neighbor has sent me of evidence of XXXX County Judge ordering me to vacate me out of the house while I am nursing a XXXX XXXX and throwing me on the street. 
It appears that XXXX County Judge doesn't have no feeling or Care for our Military Veterans. 
Texas Laws is in favorite of all major billionaires financial Institutions and the special interest. 
On XXXXXX/XX/XXXX at XXXX Military Hours, the Sheriff and Crew will tear down the doors to enter the home.
" XXXX XXXX XXXX/NELN '' and " XXXX XXXX XXXX XXXX/XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.
On XXXX/XXXX/XXXX I settled a debt with XXXX for {$1000.00}. Subsequently they sold the debt to Portfolio Recovery Associates , LLC ( PRA ). PRA made NO attempts to collect the debt. In XXXX XXXX I discovered the debt on my credit report and contacted PRA via email asking for verification of the debt validity. The request was NEVER honored. I notified PRA that I was disputing the debt, I NEVER received any information from PRA. In XXXX XXXX I was informed by the Florida XXXX that my credit report indicated the invalid PRA debt. I again contacted PRA and received a form letter stating the original account holder, the date the account was open the balance on the account. In my XXXX XXXX contact I also requested verification of the validity of the debt, in writing and via the telephone. This was NEVER provided. I was informed by PRA via telephone that I MUST contact XXXX. XXXX advised when the debt was sold all records were given the PRA. PRA refuses to release ANY documentation to verify the validity of the debt other than a form letter saying it is valid. PRA has NEVER provide a statement, contract or any other documentation demonstrating the debt is valid. NOW I am XXXX but can not pass the XXXX until this matter is resolved.
I made a SEPA transfer of XXXX Euros to COINBASE on XXXX XXXX, XXXX. Until this day the amount is n't available in my Coinbase account. My bank told me that the transfer has gone through. Coinbase usually has the money available within 2 to 3 working days, which was the case of my previous transfer. For this one, it is taking too long. The phone support line does n't handle money transfer issues, so I used the online " submit a Request '' form at Coinbase 's website to no avail. The details of the request are : " I did a SEPA transfer from a XXXX bank on XXXX XXXX and I still have no available funds on coinbase! I could have doubled this amount by trading by now. Where is my money? 
Case ID : XXXX Updated : XXXX XXXX, XXXX XXXX PST Created : XXXX XXXX, XXXX XXXX PST. " This is preventing me from making some good investments I had in mind and I urgently request help in solving this issue. 


I 'm attaching the transfer details ( One PDF with the summay of the transfer, from my online account, plus the picture of the document that the Bank gave my in paper with all the transfer details along with its translation.
Several inquiries on my credit report which I did not authorize and/or recognize. Please remove these unauthorized credit inquiries immediately.
XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX.
I have been living in XXXX since XX/XX/XXXX and was never contacted by Midland Funding or XXXX XXXX XXXX, their New York legal representatives. In XX/XX/XXXX there was a judgement entered against me in County of XXXX court which, in turn, was added to my public records on my credit report. 

After requesting a copy of the procedural filings in XXXX County ( where I used to reside with my parents ) I noticed that the process server, hired by XXXX XXXX XXXX, falsified service to my mother. My parents moved from that house to XXXX prior to the alleged date of service on the court records. The description of my mother is XXXX inaccurate. 

In order to get this removed from my credit report I must pay an attorney {$1500.00} to take the case, which I can not afford to do at this time. After reading horror stories online I realized that I am not alone. XXXX XXXX XXXX, in addition to Midland/Encore, are deceitful in their business practices and should be forced to pay penalties for unjustly destroying the credit of XXXX Americans.
Debt collection compnay is :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     I was contacted by them via Phone, and also throug h US M ail. They are trying to collect a debt for {$15.00} plus {$30.00} Returned Chec k Services    Charge f or a total amount of {$45.00}. When contacted by phone I would not give them any personal information. I also received in the mail a debt collection letter from this company. The debt is for the online  XXXX   XXXX   XXXX . I contacted  XXXX   XXXX  by phone and I do not have any debts due, and they told me they do not use a  XXXX  party services to collect their debts.
Submitted dispute # XXXX on X/XX/2017 completed on X/X/2017. Submitted dispute # XXXX on X/XX/2017 completed both on X/X/2017. Equifax took almost 180 days to complete these two investigations, way more than the allotted 30 days. I would like these two disputes deleted from my credit report.
What happened the school got closed do to class action law suit. The loan debt was over fifty thousand. as well as the federal loans are part Of Navient witch is also had its suits
Hello. I had a credit card debt with XXXX XXXX XXXX and they sold it to other collector. I contacted with that collecter and paid my debt. But It is still showing negative information on my credit report. Balance is {$0.00}. But it shows as bad debt. Can you please help with this?
Regarding a collection notice from a company called Afni , Inc.I received a collection letter in the mail for payment on an account ( XXXX ) that I never had. I called the number and they asked for personal information that I did not give them. They provided an address and email that I did not recognize. They mailed me a package to complete an ID THEFT AFFIDAVIT and asked me to mail it back. After researching their company online I noticed many fraudulent collection complaints. I am now providing all the information to stop them from phishing for personal information and file an official complaint.
On XXXX XXXX, 2015 I sent via next day delivery, certified, return receipt requested XXXX separate NOTICE OF VALIDATION OF ALLEGED DEBT in accordance with Fair Debt Collections Practices Act, it mandates in FDCPA section 809 ( b ), 15 USC 1692g, to Wells Fargo 's attorney of record XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX ( XXXX ) XXXX. This action should have stopped the foreclose sale of my property on XXXX XXXX, 2015. These letters were ignored by both Wells Fargo and their attorney and the sale proceed today with no response from either. This is a direct, willful, and intentional violation of federal law.
I have an account with Spencer Savigs Bank which is managed by Elan Financial. Not only did I receive a call from them telling me that I was XXXX days past due without them even verifying any information other than my name, when they discovered that my payments had applied to my spouses account, they refused to transfer the payments. They said that they could not transfer the payment because my husband has a payment due this month on the XXXX. His account is not past due and they see that more than XXXX payment has applied to his account and this is an obvious error yet they still refused to transfer the XXXX payments that were made to his account.
ORIGINALLY I FILED WITH THE CFPB CASE # XXXX. MY RESPONSE WAS PARTIALLY ANSWERED! I appreciate that XXXX RESPONDED BUT THEY ALSO CONFIRMED TO THE CFPB THAT THE LATE PAY WAS ERONEOUS AND NOT SHOWING ON THEIR BUREAU, AND NEITHER IS XXXX!!! I am asking for TRANSUNION to Please remove the negative late pay mark against me. I HAVE ATTACHED THE DOCUMENTS TO THE ACCOUNT REFERENCING THIS LATE PAY. This is merely a stall tactic to not address my concern. Pursuant to the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency?
OnXX/XX/2010 the mortgage payments on this loan were accelerated by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the entire debt became due on that date. 

Ocwen Loan Servicing is barred from foreclosing on the deed of trust as the statute of limitations to do so, has expired, per Washington State law, RCW 4.16.040 ( 1 ). 

This debt is no longer collectible. 

I have given notice to Ocwen Loan Servicing LLOC, and to the Ocwen Office of the Consumer Ombudsman without a response as of yet. 

Ocwen has previously identified themselves as the owner of the promissory note/loan, when XXXX XXXX has also been identified as the owner of the note/loan. Ocwen declared they were the owner of the note/loan under the penalty of perjury. Ocwen refuses to explain how there can be 2 owners of the note/loan, and when they became the owner of the note/loan. 

Ocwen has identified collateral file/note holder custodians, but has refused to say who these custodians were representing, whether it was XXXX XXXX or Ocwen?
Good afternoon, I am currently enrolled XXXX at XXXX XXXX College and Sallie Mae continues to fail to update my account even after verifying the student clearing house of my enrollment causing a financial crisis. I spoken with XXXX or XXXX Sallie Mae reps who confirmed my name being in the clearinghouse and each time I am told something different. the first gentleman stated that once my enrollment was verified my account would return to deferment. On my fourth attempt to resolve this issue, I call Sallie Mae on XXXX/XXXX/15, I spoke with a XXXX, employee ID # XXXX, I was told by XXXX that schools have a deadline to enter students names in the clearinghouse. My balance went from {$300.00} due to now {$600.00}. She also advised me that it takes XXXX days to clear my name. Which I know is a lie. While attending XXXX University in Georgia, my name was entered into the clearing house electronically and this was never a issue to have to constantly call Sallie Mae for a resolution. Also, XXXX XXXX College financial aid officer stated that names are entered every Wednesday and there are no deadlines. I believe this is a clearly an attempt to collect monies which breach the student loan contract.
Capital One Bank is having their lawyers sue me over a debt that has numerous charges I do not reconise. The last three times I sent dispute letters to Capital One I do not get a response. The first letter had a lot of charges I was in dispute with the second and third had a few more. 

I am an identity theft victim and Capital One is failing to get information changed. I have stated numerous times I have many problems with what they say I owe. So they are lknowingly going after me while I am and always have been in full dispute of this debt with fraudulent charges still on it.
GREEN TREEXXXX XXXX, SDXXXX ( XXXX ) XXXXXXXXThey are stating that I had an auto loan with them back in 2006. I have never had any loans or dealings with Green Tree. I do n't even know who they are to be honest. How can I get this taken care of?
In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a judgement and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.
I have been banking with Wells Fargo since 1993. I am currently applying for XXXX and I am unable to work. My checking account was fine until I was told false information about the date in which fees were to be applied to my account. They applied the fees a week early and my account has been charged NSF fees like crazy. I can not catch up with my account because they have put the same checks through 4 times and now the NSF fees are so piled up I ca n't get my account current! They apply checks before a cash deposit! They do anything they can and always have to collect their XXXX dollar NSF fees!