WillisBack/dataset-financial-user-claim huggingface dataset:
I had XXXX XXXX back in 2012 my insurance did n't cover the doctor bill and i could not afford the {$6000.00} from private doctor so Pressler & Pressler took over. As a single mother its hard for me to pay rent and utilities never mind an extra monthly bill at no fault of mine " XXXX health insurance ''. I read an article in the XXXX XXXX about XXXX today and i thought to myself wow they have been sending me threats that they will take me to court, garnish my check sue or possible jail time. I 've been paying since 2012 and still paying to this present date. There are some months that are rougher than others so i only pay what i can and the next thing i know my phone is ringing off the hook and i get a letter stating there going to take me to court. Ive had debt before and most collection agency work with you not against you.. they make settlements etc Not XXXX XX/XX/XXXX makes 5years ive been paying them because there interest rate is over 30 % which i thought was illegal in itself in NJ. Thank you for time in this matter.
I got to know about this account after I checked my credit report. I immediately contacted them about this and I was told my health insurance did not pay the hospital so my account was placed with them for collection. I told the agent that I did n't receive any mail from her office about this debt. I informed the agent that I will go ahead and settle this debt in full so that the account will be deleted off my credit reports and also since i did not receive any notice of debt verification and also it is not my fault for not settling this debt on time. The agent agreed to file for account deletion after payment but the account is still listed on my credit reports.
I received a ticket and now a notice from a collection agency for a toll violation in the state of Delaware which I do not believe is mine. I was not the driver of the vehicle at that time and therefore I do not believe a collection agency has the right to penalize some one for owning a vehicle that may have violated a few dollar toll, and then attempt to collect {$66.00} from that person by threatening derogatory credit reporting without proof of who actually committed the alleged violation.
XX/XX/2018 My wife and I recieved a letter from XXXX XXXX XXXX XXXX ( XXXX ) that our Mortgage was going up do to a shortage in our escrow account. Upon consulting with my attorney I found this was either fraudulent or gravely mistaken. They were going to raise my mortgage from {$1200.00} per month, to over {$1800.00} per month. I contacted XXXX and explained the situation, More than six times throughout XXXX and XXXX, each time was told the situation would be resolved after x amount of time, it was not. I spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and various others that I did not record their names. Customer Service Managers including XXXX XXXX and a woman whose name I can not recall, advised me to not pay my mortgage. Ultimately the situation has been resolved, however, the entire episode is unacceptable, and I am filing this complaint to clarify my previous complaint, which I wrote when I was extremely upset. 

Thank You, XXXX XXXX
At XX/XX/2017 market close XXXX traded at XXXX. I am concerned about the ability of XXXX to continue as a going concern. It is time for XXXX-DiTech to advise its debtors about the transfer of loans when XXXX ceases to function. How will the likely XXXX bankruptcy be handled? How are the debtors to prepare for the transfer of their loans? How many more months does XXXX have before it is delisted from the XXXX?
XXXX XXXX the holder and controller of the XXXX XXXX credit card lower my credit limit on XX/XX/2018 based on my credit rating. OnXX/XX/2018 the company closed my credit card without notifying me. The card had no due balance and I recieved no explanation as to why my card was closed. I investigated and neither XXXX XXXX  or XXXX could inform me as to why my card was closed. My credit rating was lower when I recieved the lower credit amount then when they closed my account without my knowledge. 

I was informed by XXXX that this card closure adversely affects my credit and also the credit decrease. It appears that this company functions to adversley affect individuals credit.
After I was terminated by my former employer. The moment my credit card/mortgage with Navy Federal Credit Union fell behind, they completely locked out my online access/phone access to all my accounts. I never received, or was able to access ANY statements for any account. I was enrolled in multiple automatic debits, and paperless statements from my account to numerous other payees. With no access I was unable to find out all the automatic debits to be paid by any account. This caused several automatic debit to bounce and overdraft fees added. This went on for several months, never once did I receive a statement, regardless of how many phone calls I made. I was more focusing on the fact my only source of income was my XXXX, which they decided to use any way they wanted without any regard for the law. The only time I was able to get a statement of my accounts and effectively shut off all the automatic debits. I had to drive over XXXX miles XXXX way, to the nearest branch in XXXX, TX. When I confronted the branch manager about the money they took illegally, she simply stated " I will see that letter, when I see it. '' That is another issue that I will be dealing with. I HAVE NOTICED THEY HAVE CHANGED THEIR ONLINE ACCESS POLICY. You still have access to statements even if you are behind on payments. XXXX more thing, every time I called to request a statement during that time period, the phone call went directly to the collections department who stated they were unable to request a statement for me.
To whom it may concern : With respect to where/how this alleged account was originated, I have not the slightest idea? 

I have not had any business with XXXX XXXX XXXX XXXX ( other than many years ago with home telephone service?? ) Additionally I have never received any statements, letters from a collection agency concerning XXXX XXXX XXXX XXXX, phone calls, emails, no communication whatsoever. 

The amount they are seeking/claiming that I am owing them is {$1400.00} This is nothing short of an attempt to extract monies from me, and or them chasing the wrong individual.
Experian is incorrectly reporting a collection account from XXXX XXXX XXXX on my credit report. I have disputed this account on numerous occasions and the company has yet to respond or produce any evidence to validate said debt. I sent a 609 letter to Experian on XX/XX/XXXX along with my ID in an attempt to get this matter resolved. The collection was not removed nor was any evidence produced to validate the debt. I called Experian on XX/XX/XXXX to once again, in an attempt to have this fraudulent and incorrect account removed from my credit report as I am in underwriting for a mortgage and i can not move forward with the process until this matter is resolved. I was then advised to make a claim with CFPB because the company would keep reporting the debt. Under FCRA 15 U.S.C 1681i, all unverified accounts must be promptly removed. They were unable to provide me with a copy of the verifiable proof that this was in fact a valid debt within 30 days of my request therefore they must remove XXXX XXXX XXXX acct # XXXX permanently and immediately.
These issues are with 2 of the 3 major credit reporting agencies Equifax, and XXXX.

Each month for the past 18 months I have disputed 3 medical collection accounts on my credit reports. I have asked them to verify that these are in fact my accounts which are not. I keep getting a generic electronic statement stating the accounts have been verified. But by what means? I have requested to know who they spoke to, producing any signatures of mine, as well as any contracts, as well as what these medical charges are for. It has been very frustrating for me in the fact that these are the only derogatory items on my reports. Previously upon request, XXXX removed them from my report. I have had no success with Equifax and XXXX. 

The collection agency is : XXXX XXXX XXXX XXXX The amounts are : {$1500.00} {$1000.00} {$1300.00} I can produce correspondence if needed as I currently don't have the ability to upload documents. 

Any assistance regarding this would be appreciated as I would like to apply for a home mortgage in the next 90 days. 

Thank you.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX.
We have completed refinancing with Ethos Lending and made our first mortgage payment ( {$3000.00} ) to Ethos Lending on XXXX/XXXX/2016, prior to the due date on XXXX/XXXX/2016. After making our first payment on XXXX/XXXX/2016, we received a letter saying the loan has been transferred to a new lender, XXXX XXXX XXXX, and we should make the payment directly to XXXX XXXX XXXX for the mortgage payment that is due on XXXX/XXXX/2016. However, we already made the payment to Ethos Lending on XXXX/XXXX/2016. Obviously, the new owner of our loan failed to notify us within 30 days of the effective date of transfer. Between XXXX/XXXX/2016 and today XXXX/XXXX/2016, XXXX XXXX XXXX keeps calling me via my personal phone and work phone and asks for payment many times, despite I told them repeatedly that I already made the payment to Ethos Lending on XXXX/XXXX/2016. Yet, Ethos Lending keeps delaying my payment to XXXX XXXX XXXX, despite Ethos Lending previously agreed in its e-mail to forward my payment prior to XXXX/XXXX/2016. XXXX XXXX XXXX continues to make harassing phone calls and severely bothers my daily lives. On XXXX/XXXX/2016, I arranged a conference call between myself, XXXX XXXX XXXX, and Ethos Lending. During the phone conference, XXXX XXXX agreed to forward the payment by XXXX/XXXX/2016, and XXXX XXXX XXXX agreed not to make harassing phone calls to me. However, after the conference call, I continue to receive phone calls from XXXX XXXX XXXX about the late payment. Those phone calls stressed me out. XXXX XXXX XXXX threatens me about how my late payment will affect my credit, and they told me I should keep pushing Ethos Lending to forward the payment. 

Beginning XXXX/XXXX/2016, my loan will once again transfer from XXXX XXXX XXXX to XXXX XXXX. My initial payment of {$3000.00} does not reflect on XXXX XXXX statement. XXXX XXXX XXXX continues to call me about the late payment. Ethos Lending does not pick up or return my calls. What can I do? Please help.
I currently have an open Conventional first mortgage account with Wells Fargo, however they are reporting the account as paid and closed as of 2013. I am a co-signor on the note and show on the monthly mortgage statements. I have tried to dispute with the credit bureaus and Wells Fargo, but they continue to report the account closed. I would like the account to reflect accurately as open with a current balance and positive payment history.
XXXX 2017. I applied for a Barclays American Airlines credit card and was declined due to having a previous closed account with Barclays. The previously closed account with Barclays was closed through a bankruptcy utilizing The Consumer Credit Protection Act. The Federal Equal Credit Opportunity Act states that Barclays ca n't discriminate based upon an any rights exercised in the Consumer Credit Protection Act. Barclays did n't even brother pulling a current credit report that shows no bankruptcies and a high credit score and taking into consideration my high annual income/ability to repay.
I had a police report with police report with some fraudulent account XXXX XXXX XXXX XXXX, was one. ). 

Equifax refused to block this item on my credit report even though the police report said that the account was open without my knowledge. Additionally, I had also filed a XXXX postal office report as the account could have been open via mail fraud.
Basically my taxes are in my escrow and Ditec my mortgage company again trying anything they can to make us miserable. Please help. They didn't fully pay my home taxes and we are getting delinquent letters. I don't understand how my taxes are in my escrow why is this happening! Please help us.
OnXX/XX/2018 I swiped my debit card at my child 's daycare in the amount of XXXX. That day I noticed 2 transactions for the same amount pending on my account, I called the daycare who stated they only had one charge on their end of the day paperwork. I waited until the second charge cleared and submitted a claim to Bank of America. My bank submitted the funds right back in to my account the next day pending their investigating. My account shows a debit for XXXX and also what they called an ACH for XXXX to the same merchant on the same day within seconds of each other. On XX/XX/2018 Bank of America reversed the funds stating that after review the merchant 's bank, XXXX, stated that it was a rightful charge and that I was suppose to pay XXXX on XX/XX/2018. Bank of America also sent me the information that was mailed into them from XXXX, and on the paperwork it only shows that I was suppose to pay XXXX. Still no one can tell me where the second charge of XXXX done on the same day is! I called back into the claims department and was told they could see the error and that it would be reopened and I would be credited back the XXXX. After weeks of this representative from my bank not returning my calls and ignoring me, I went into my local branch where they called the claims department with a complaint on how I have been handled thus far. Yet after a week of that going on - I still had not received my XXXX back. When I called back in again in XXXX I was told that the claim was closed and that I needed to take it up with the merchant! I have spoken to my daycare director several times and she has shown me her bank statements that show they only received the one debit for XXXX on that day. She then in turn wrote a letter to bank of America for me to fax in to the claims department in hopes they reopen this for the third time. This is my final attempt at trying to collect my XXXX back that no one seems to have or know where it went ... and both major banks have just been pointing fingers at one another since XXXX.
I have a a unverified account from FOCU S RECEIVABLES MANAGEMENT  #  XXXX . I had previously disputed this account. I have never done business with  XXXX   XXXX   XXXX   XXXX . Pursuant to the Fair Debt Collection Practice s Act ( FDCPA ) 15 U.S.C.1692g, I dis pute the validity of the debt purport I owe. I request thatFOCUS RECEIVABLES MANAGEMENTProvide verification of the following :  1.  ) The original Application or contract, OR Contract Agreement between FOC US RECEIVABLES MANAGEMENT a nd  XXXX   XXXX  and  XXXX   XXXX   XXXX .    2.  ) Any and all statements allegedly related to this debt  3. ) A ny and all signed receip ts 4. )  Any and all canceled checks  5.  ) Original date of default and collection activity begi n 6. ).  Whether you purchased the debt, and if so, the amount paid for the de bt 7. ) The date ( s ) the debt allegedly accrued 8. ) An item ization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FOCUS RECEIVABLES MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
This account was closed and I have been reaching out for the last year to come to a resolution regarding this account and its a ffect on my credit score.   Nordstrom has continued to tell me that my paying a {$750.00} closed account  was not good enough to have it removed from my Credit Bureaus. I have sent letters, Faxes as well as a few complaints through CFPB. I am fed up and  ready to take Legal action to settle this account and get it removed. this is my final attempt to reach out myself to come to some kind of agreement.
This debt was dissolved due to company shutting down and failing to provide services. Further, the debt was sold without even providing any services.
American Education Services provided me with a health access loan in XX/XX/2007 for my first year of XXXX XXXX XXXX XXXX school ( I was ineligible for federal loans at the time because I had already completed a 4 year XXXX degree and the first year of XXXX   school was considered an XXXX year - This is another complaint I have and feel is unlawful. However, I will file separately for that complaint ). After graduation, I was hit with astronomical amount of monthly student loan debt payments from both my Federal loans and from my private loan from AES ; totaling upwards of $ 2500/month. I was unable to afford these payments and contacted AES multiple times asking for assistance in lowering my payments. I was told that there was nothing I could do about my payments because this was a private loan and not a federal loan. Because of this, I struggled for months to make payments and accrued many late fees. Finally after months of struggling and multiple calls to AES, I was able to lower my monthly payments by enrolling in a longer payoff term of 25 years. Since then, I have been making on time payments to AES until I went on XXXX   leave and was not getting paid. I asked for hardship or something to delay my payments for a few months. AES, again was not helpful and provided me no information or option on how to avoid late fees and credit reporting on monthly payments I was unable to make due to XXXX  leave. Since XXXX leave over 4 years ago now, I have made on time payments. However, the 2 months of missed payments from my XXXX leave still negatively affect my credit score in a significant way. Additionally, this loan was taken out as a joint loan with my mother as a cosigner. I was devastated by the fact that my moms credit would also be negatively affected. I contacted AES in hopes of relieving my mom from any financial responsibility and negative credit effects of this loan. I was told there was nothing I could do and this was after several years of on time payments after my late payments during XXXX leave. Finally, I am now ineligible for interest rate deductions due to late payments at the beginning of my repayment terms ( when I had multiple issues with obtaining help form AES ) even though I have made on time payments for 99 percent of my repayment tern thus far. My interest rate is variable and continues to rise. Over the last 6 years, I have paid {$21000.00} in interest and a mere XXXX on principle. I feel that AES with held information from me on how to attain lower monthly payments and steered me toward paying more than I had to on my loans, causing me to default my loan and making me ineligible for any interest rate deductions.. I also feel AES, withheld pertinent information of how to defer payments during a hardship, affecting my credit in a negative manner. Finally, I feel that AES withheld information on how to release a cosigner from responsibility of my loan, which has now affected my mothers credit in a negative way.
This complaint falls under ALL the above issues ... My Risk Management department called me regarding a call they received stating that I was going to be served at work. I in turn contacted the number left, and was told it was for a credit card that was charged off in 2011 and if I did not settle with her on the phone, she would have no choice to take me to court. When I asked for a validation letter, she referred me back to the original creditor and told me that they would be able to tell me who the debt was " sold to, and sold to again '' until I got right back to the lady I was talking to. She was willing to settle the debt over the phone, or take me to court and add on thousands of extra dollars in fees.
My mother is XXXX XXXX, and I've been trying to work with Select Port Folio my mortgage servicer to modify our mortgage and reduce the mortgage payment.

I'm being given a hard time with the process and they are unwilling to assist me.

I do want to keep our home. We do not want a catch up plan that will increase my monthly payments, please review mortgage and exercise the option to make a PMI claim if possible.
I noticed that I have inquiries on my report that I do not recognize, THIS IS NOT A REQUEST FOR ANY FRAUD ALERT. This is a final demand for removal of unauthorized credit inquiries from my credit report. I have spent yesterday and this morning on the phone making calls to these companies and have made the proper notes and I am demanding that you stop sending me letters stating that you have to list any inquiry on my credit. This is a total lie You are only suppose to list an inquiry if it has a permissible purpose and you must show proof. If the companies listed are called by me and they either state to have me dispute directly with you that they did not have the right to pull my credit or they are NOT showing my information in their system I would say that is NOT SHOWING A PERMISSIBLE PURPOSE. It is on the news that you you credit bureaus have been fined millions of dollars for deceiving customers. I believe that you just stick hard inquiries on a credit report to lower a persons score or to make it look bad so they do not get extended credit. Regardless I took the time to call each one so you must now remove these from my credit report. You do not have the right by law to report these as there is no permissible purpose.
I received a credit alert from my monitoring company on XX/XX/2016. According to XXXX, Care Credit reported my account to the Credit Bureau after a purchase that put my card 200+ dollars over the limit. I was never notified by Care Credit that I was over the limit. I seldom use the card, and have never been late or defaulted on a payment. I do take advantage of the promotional period, however my account is always paid before the promotional period ends. As a result of Care Credit reporting the account to the bureau, my credit score may be negatively affected when I actually never defaulted not was late on a payment. Today, I made a XXXX dollars payment to bring the account under the limit, and once the remainder is paid using the promotional period, I will never use this card again. I was poorly treated and lied to by XXXX customer reps and a manager from a call center that appeared to be in XXXX. They were quick to report the over limit but refused to help me resolve the situation.
I am filing this complaint because Equifax has ignored my request many times to provide me with the documents that their company has on file that was used to verify accounts the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
XXXX originated my mortgage and then sold it to Ditech ( loan # : XXXX ) Ditech is refusing to honor my request to start the process to remove PMI. During the transition, there were late fees charged to our note -- directly due to the transition from XXXX loan servicer to another. Funds have been held in suspense since the transition that more than covered the late fee -- yet, Ditech will not honor repeated requests to net the funds in suspence with the late fee.