WillisBack/dataset-financial-user-claim huggingface dataset:
I keep getting harassing calls at work, at home, at my parents home, friends and other relatives from National Principle Group about a debt that was discharged in Bankruptcy in 2012.
HSBC advertised that I would receive {$150.00} in cash credit on my credit card if Charged {$500.00} within 3 months. I spent this amount within the 3 months. I tried repeatedly to receive the {$150.00} credit! I wrote 2 letters to the bank president. No answer! I was given the executive offrice telephone number. No answer! I left a message and a computer voice said I would receive a call withi 24 hours. No call! I tried again! No call! I was given a consumer help number! But it was not a working nunber! I wanted to know my PIN number bipartisan this was impossible to get as aforementioned!
XXXX   Report #  XXXX  Following accoutns were reported as fraud, a valid ID theft report was taken and submitted for the following accounts :  XXXX   XXXX   XXXX  Balance {$10000.00}  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$7100.00} EXPERIAN   XXXX   XXXX   XXXX   XXXX  {$7100.00}  XXXX   XXXX
I received a collections letter from  Convergent Outsourcing Inc. l ocated in  XXXX , Washington stating that they are attempting to collect a debt on behalf of  XXXX   XXXX   XXXX . The letter was received in  XXXX    XXXX  . I contacted   XXXX   XXXX   and asked them if I owed any money to them and they stated they had no record of me owing them any past due amount of money.   XXXX   XXXX   asked me to send a copy of the letter I received f rom Convergent Outsourcing and  I never received a response indicating they would take care of the problem. The amount of the debt is {$26.00}. I realize this is a small amount of debt and I am tempted to just pay it and get it over with but there 's no indication from   XXXX   XXXX   that this is a legitimate debt and I do not want to start making payments for something I do not owe.
I contacted XXXX two times on XX/XX/18 and XX/XX/18 regarding unverified accounts : XXXX/XXXX XXXX ; XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. Despite two written request, the unverified items listed still remain on my credit report in violation of Federal Law. XXXX  and other credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigations, they stated in writing that the items were " Verified '' and they were being " Reported correctly and/or updated ''. Who verified these accounts? Who did you talk to? What documentation was received to do accurate updates? What were the dates and times of these actions? What contract did you receive bearing my signature to confirm these accounts are indeed mine and not someone else with my same alias? They have failed to prove me with any original documentation as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( 1 ). I want them to be advised under section 611 ( 5 ) ( 1 ) of the FCRA - they are required to " ... Promptly DELETE all information which can not be verified ''. I demand the following items be verified accurately and myself provided with required documentation or for these items be be DELETED permanently from my credit file.
Ocwen has stated we are responsible for paying for " XXXX XXXX Mortgage XXXX '' even when that information was never disclosed in the HAMP documentation we signed last year. Our estimated escrow amount was {$1400.00} at the time we signed our HAMP documents. When Ocwen re-analyzed our escrow monthly payment increased to {$1500.00} to make up for the mortgage shortage for property taxes and homeowner 's insurance XXXX XXXX XXXX XXXX. Per Ocwen 's website, we are responsible, as the borrower, for paying for " Lender Paid MI ''. 

Our original lender paid for the mortgage insurance to XXXX XXXX beginning in XXXX XXXX and we have never paid for mortgage insurance as the borrower. In the documentation we have received from XXXX XXXX and Ocwen of our escrow payment breakdown, it was never disclosed to us that we were responsible for paying for the " Lender Paid Mortgage Insurance ''. We were told escrow payment included property taxes and homeowner 's insurance. 

The MONTHLY payment amount of the mortgage insurance is {$480.00} per XXXX XXXX and loan amount of {$750000.00}. Servicer on the loan per XXXX, is XXXX XXXX Bank. Per Ocwen 's website, annual payment for Lender paid MI is {$620.00}.
XX/XX/2015 I open a bank account at arvest bank in XXXX, oklahoma I feel that I was over charge for overdraft fees. The bank also told what amount I had in my bank account to a pastor who claim that I belong to his church and I only visit this persons church one time. I feel that arvest bank had no right to treat me like that.
I had a loan with XXXX and experienced hardship and requested a loan modification. The State of Nevada Modification Program held a hearing where XXXX stated that they did n't have the title to my property. I was halted due to the fact that they were unable to find the title for several years. 
After they claimed that they found the title it had been transferred to XXXX. I have been attempting to get my home loan modified since and their servicing agency which has been changed several times now continues to break laws governing modification and foreclosures. 
They are now stating that they have closed my file because there is a credit lock on my credit reports. 
I have confirmed with all XXXX credit bureaus that this is not the case. Although the credit bureaus wo n't give me anything in writing stating such. 
I have provided my mortgage company provider which is not DiTech a copy of my credit report from all XXXX bureaus and they refuse to accept the reports and have closed my modification file. I am now facing foreclosure.
My bank XXXX XXXX has fail to give me proper notice that they were offsetting out account .This was for a claim that they said that vendor never gave back to the bank back in XXXX and this claim was closed with approval letting that I was sent. The vendor told me they have given the money back. The bank gave me a letter in the mail the day of taken away fund. No proper notice was given to comply. I did n't receive the letter until the day of fund being recalled. They have now caused us a financial hardship. I have spoke with several reps in the company and they have slander and taken away more money that my bills are needing for living. I have XXXX children and me and my husband we are now facing a financial hardship. They have reluctantly stop me from recovery of fund and have slander many of time. This is not a place that we trust. Were in process of transferring banks.
I got a loan from Rise to pay off some debts that I had, after my bank denied me because of my credit score. Rise had been sending me fliers, letters, brochures all of which I would toss in the trash, after my bank denied me I thought about Rise and went to their web site after looking over their site and reading the information I decided to use a graph they had on the site that would help you estimate the amount you would have to pay based on the amount of the loan ( {$4500.00} ) and the pay off time ( 18 months ) my payment is {$530.00} a month so I thought to myself " thats a little steep '' but as i stated before my credit is awful. I am a retiree from XXXX XXXX XXXX XXXX XXXX XXXX after 30 years and that is my only source of income, my retirement.I completed the on-line application after I calculated my monthly expenses and seen that I could make the $ 533 monthly payments for 18 months with little sacrifice and have my debts i got the loan for consolidated. They approved the loan and deposited it into my bank account 2 days later.Here is the rub, I can not pay the loan back. I went to the web site to see if everything was in order, I used my sign-in information to log into my account and seen that the debit date from my bank account was accurate as well as the {$530.00} amount to be debited but I noticed that the balance had increased from {$4500.00} to {$4600.00} and something close to {$4700.00} then it dawned on me what I was dealing with " a predatory lender '' my interest is so high until making the $ 533 monthly payments will not even lower the principal ( {$4500.00} ) instead it will keep rising, unless you can come up with the entire balance and pay it off its designed ( with the high interest ) so that not only can you not pay it off but that it will continue to rise and THIS IS LEGAL? IN THIS COUNTRY? I have had loans and payday loans and paid then but nothing like this. I do want to pay the {$4500.00} plus interest but its fixed so I ca n't pay it back. This was why I got the loan in the first place to consolidate some debts and after using the graph on their site figured out I could repay the debt comfortably at {$530.00} for 18 months is there anything i could do? Again I do want to repay the loan and interest ... ..BUT I CA N'T. They can debit my account for the next 5 years and still not touch the principal and I 'm sure they would have received the loan 3 or 4 times over and i would still owe about ( a rough guestamate ) {$15000.00} WOW and this is legal? I do not have any document for the loan every time I try to sign-in on their web site I ca n't
In 2017 myself and the borrower was effected by hurricane Irma and requested a forbearance and was immediately approved and advised once the forbearance was done one of two things would happen we would be asked to do repayment or a modification. Coming towards the end of the our forbearance we were given an opportunity to go through a loan modification all we needed to do was submit documents such as pay stubs, bank statement and a hardship letter which we did.After many months of resending and submitting the same documents and no response from loan care we were finally was denied for our modification and was told that it was due to lack of income and an increase in payments. Confused by this we asked them to go into further detail and each time we spoke to someone we were told something different. We finally reached out to the attorney general and recieved an honest response stating our denial was also because we never submitted a document stating there was no damage to the home. Although we spoke to several agents no one ever mentioned this very neccessary document that was needed. We were offered a second chance to resubmit all the same documents again which we did and still to this day have not received our modification. The lack of payment has been placed on credit report as well we have received a letter stating we owe all those months of missed payments. Before we even reached so far down the rabbit hole myself and the borrower have asked numerous time can we start making payments in good faith because we did not want to owe a substantial amount if things did not get approved and was advised against it. Our goal is to get or mortgage reinstated and to continue our payment and avoid foreclosure.
On  XXXX / XXXX /  XXXX  , I paid my hospital bill through Central Financial Control in the amount of {$230.00}, confirmation #  XXXX . I have been alerted through my ID Alert monitor-credit monitoring as a Federal worker that the Central financial control reported to my credit bureau that I still owe them money.
/XX/XX/XXXXXXXX XXXX for the past several years has continued to pop up on my credit report. Every time I remind them that the original creditor XXXX XXXX XXXX XXXX found this account to have been fraudulenty opened in my name in a state I was not residing in at the time using my information via the internet and phone. I have been the victim of identity theft years ago. Convergent knows this a will pop on my report several times in the last several years and when I dispute the fraudulent account, they find its fraudlent from XXXX and delete. Then 6 months to a year later they try and collect again on a known fraudulent account hoping I will not dispute and they can make money ( so I've been told by one representative on XX/XX/XXXX. They are predatory. I have no outstanding bad debt and a good credit score, despite this fly by night operation popping up every 6 months to a year violating the FCRA and FDCPA laws about collections and reporting by being harrassing, providing false and intimidating talk and information relative to a known fraudulent account and attempting to collect on an already deemed fraudulent account. I have proof of them violating at least 6 different federal collections laws over the years. Friday, XX/XX/XXXX, without a call or mail to where I have lived and continue to live in Virginia ( not Florida ), they inserted on my credit reports. Laws state that a consumer must be served a dunning letter that state the alleged original creditor, amount alleged to be owed, the alleged date of oncurrance of alleged debt along with a required statement by law that identifies them as a debt collection company and the rights of the consumers. This never happens with this company. A true violation of consumer protections and rights. I pay all my bills monthly. I simply will not be harassed by this company by holding my good credit hostage in an attempt to extort money. I was told on XX/XX/XXXX by XXXX at XXXX XXXX via phone that I should " just pay the XXXX dollar bill '' even though it wasn't mine because he " can do whatever he wants to get me to pay ''. I record and document my phone conversations with this company and file them away. It seems this company has a difficult time owning up to what constitutes " good business ethics and preactices ''. Please help.
Around the year 2000 I had a debt account with Bank of America. I was not notified about an overdraft and I was charged around 35 dollars a week I believe. So I ended up paying the bank {$600.00}.
XXXX Account- In XXXX 2015 I decided to switch cellular carriers. I called XXXX customer service to start the portability process with the other company and at that time there was XXXX balance in my account but actually, there was a bill still pending to be processed. I never received a bill for the account settlement nor a phone call or text message and because of that, my account became delinquent. As a result of this, my account was referred to a collection agency and subsequently reported to the credit bureaus as a derogatory account on collection. I had a spotless payment history in my nine years with the company and once it was brought to my attention there was a pending balance I worked diligently to amend this and made the payment immediately. I have contacted XXXX and they have agreed to remove this derogatory mark in my credit record and to that effect, they sent me a letter stating so. I submitted a dispute ( with a copy of this letter ) to XXXX and Equifax , as of today, XXXX updated my credit file and removed the information pertaining to my XXXX account. Equifax , however, is not willing to accept the information I provided and my credit record with them is still showing the negative information. I have submitted this dispute to them 4-5 times, since XXXX 2015 to no avail. This complaint is about Equifax , not XXXX. Please find attached XXXX 's letter and XXXX Report.
I sent a dispute on XXXX XXXX. On XXXX XXXX ( 36 days later ) I received an investigation letter showing the info disputed was updated. The information was still inaccurate. On XXXX XXXX I sent a letter telling them it was inaccurate and for them to please remove the disputed accounts for non-compliance. 

I have detailed records of all my letters along with certified postage and return receipts.
My name is XXXX XXXX i have a rush card, I went to XXXX to had money to my card I did XXXX cash deposit XXXX for XXXX dollars and the other was for XXXX. And I never got my money on my card. It 's been 3days ever since Friday. I have bills that is due by a certain time and every time I call rush customer service there is always a long wait with no answers. My money is missing and I wan na it now. I have XXXX plus a grandson so I need my cash.
On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my HIPPA rights. XXXX XXXX XXXX has my medical information without me signing a HIPPA release form that releases my medical information to them. I have not received a response as of XX/XX/2018 of this item being removed from my credit report. I am in clear violation of my rights according to HIPPA. This derogatory mark reflects very negatively on my credit report. XXXX is embarrassing me by reporting incorrect items on my credit report resulting in me being denied while trying to purchase my first home. I am a serious consumer who is proceeding with legal actions against XXXX should this item not be deleted from my credit report ASAP!
In an attempt to retrieve my free credit report from all XXXX of the major credit companies ( XXXX issued a warning ) I was able to obtain my credit reports from XXXX and XXXX without a glitch. However, when I attempted to retrieve my report from Equifax, I was told that they were unable to deliver my free report online without explanation nor a customer support number so that I may inquire myself. After searching their website it is apparent they do not want me to call and only offer this service if I sign up and pay for something. Quite frankly I believe I am owed an explanation for not being able to view my account information and as XXXX of the major credit reporting companies they should have customer service freely available to answer any questions not hide behind a service I need to sign up and pay for.
I have contacted Experian several times via phone, online and via first class mailings on many occasions in regards to 2 accounts that i have never did any business with and did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively.I am trying to refinance something on my credit report, and it makes it difficult when they're checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over. The company needs to either need to send proof of validation or it needs to be removed.These account does not belong to me.The following accounts that are reporting are : XXXX XXXX XXXX with a balance of XXXX and XXXX XXXX XXXX with a balance of XXXX
Two weeks ago, I was notified by the XXXX XXXX app that my previously excellent credit score had dropped 200 points. Upon viewing my credit report, I learned that SunTrust Visa ( account # XXXX ) had reported to the credit agencies that my credit card had a {$75.00} delinquent balance that was 30 days late. My problem is that this credit card, which I have had for 10 years, is used only to back up my checking account in the event of an overdraft. Unbeknownst to me, I did not have automatic payments set up. Furthermore, despite their claims, SunTrust Visa never communicated with me by telephone conversation, a letter, or an email to notify me that my account had become delinquent. Had I known, I would have paid my balance immediately. I have tried numerous times to speak with someone in the SunTrust credit card collections department with no success. SunTrust has severely and unfairly damaged my credit score because of their lack of transparency and apparent goal of protecting their company 's version of the truth. I have been told by several managers in their credit card department, who are not even working on SunTrust 's investigation of my complaint, that the company tried numerous times to notify me, which is completely false. I have a mortgage and multiple banking accounts in good standing with SunTrust. I do not understand why SunTrust would allow my credit scores to be so badly damaged by a single oversight.
Wells Fargo Bank charged me XXXX XXXX times in a month the reason cause I made over XXXX transactions and the bank rep. said its the the law. This was not a below balance amount.
I sent a method of validation letter to Experian regarding an account that is listed on my credit report. The letter that I sent to Experian is attached. Experian did not answer the questions in my letter and has n't removed the account from my credit report. Experian sent me a copy of my credit report. If they are unable to properly respond to my letter the account should be immediately removed from my credit report.
I am on the DO NOT CALL REGISTRY and get calls on my cell phone everyday from this NJ number which is a Chase Collection agency. I want them to stop.
This correspondence is not to be construed as in any way agreeing or admitting to owing any debt. 


In XXXX XXXX a Discover credit card was opened in my name and reported on my credit report. ( Acc # : XXXX ) XX/XX/XXXX was the date of last payment and the end of all activity on the account. As of XXXX XXXX, the account was listed as " closed/charge off ''. 

XX/XX/XXXX this item was removed off of my credit report because it was past the XXXX XXXX year threshold for reporting bad debts. 

XX/XX/XXXX I received notice from the Federal IRS that a XXXX form was submitted to them XX/XX/XXXX for the above listed debt- nine years after the date of last activity. 

The rules of issuing a XXXX form are clear. XXXX forms are to be filed NO MORE than after a 36 month nonpayment testing period expires. That non-payment testing period ended XX/XX/XXXX, and furthermore was past the statute of limitations ( For Wisconsin, where the debt was supposedly incurred ) in XXXX XXXX. 

I formally request that Discover Financial Services notify the Federal IRS that the XXXX form was issued in error and is to be withdrawn. 



Furthermore, in XX/XX/XXXX I attempted to contact Discover Financial Services about the inappropriately filed XXXX form and was transferred to an active collections department without my knowledge. In the state of North Carolina, which is where I reside the law is clear, and Discover Financial Services was in violation of : North Carolina Fair Debt Collection Practices Act XXXX XXXX XXXX. Deceptive representation. 

Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector It appears that what has happened here, is that Discover Financial Services has purposely issued an incorrect XXXX form with the intent to coerce payment through unconscionable means on a debt that is well beyond the statute of limitations. This also is in violation of : North Carolina Fair Debt Collection Practices Act 58 70 115. Unconscionable means. 


1 ) Seeking or obtaining any written statement or acknowledgment in any form containing an affirmation of any debt by a consumer who has been declared bankrupt, an acknowledgment of any debt barred by the statute of limitations, or a waiver of any legal rights of the debtor without disclosing the nature and consequences of such affirmation or waiver and the fact that the consumer is not legally obligated to make such affirmation or waiver.