WillisBack/dataset-financial-user-claim huggingface dataset:
I forwarded the following with all attachments of payments to this debt collector but I am still getting contacted. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 2016 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number ending in XXXX To Whom it May Concern : I have received your bill in the amount of {$3900.00} regarding a collection for the Costco Anywhere Visa Account. I have paid this bill in full to CitiBank on XXXX XXXX in the amount of XXXX with the following confirmation number : XXXX. I no longer owe any debt to Citi bank. 

Please check your records and correct my account. Also, please do not send me any more bills or call me until this matter is settled. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, 2016
Equifax, a consumer credit reporting agency, was recently ( estimated XXXX 2017 ) breached and sensitive customer data exposed to would-be identity thieves. Equifax had insufficient security in place to prevent this breach, and has tasked the consumer with following steps manually to freeze, monitor, and track their existing credit reports.
I have set up payments with XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX on this account. XXXX XXXX and pendricks capitol partners and now double dipping and wont talk or remove. then they they just sent me another one for empg that on is with XXXX XXXX XXXX here we go agian the one is XXXX years old. 
thank you XXXX XXXX XXXX
Direct Recovery Services calls multiple times before XXXX local time ( Pacific Time ).

One example is XX/XX/XXXX at XXXX as logged by XXXX XXXX . 

Transcript from XXXX XXXX. 

( XXXX ) XXXX XX/XX/XXXX, XXXX XXXX XXXX and we do need to speak with you as soon as you are able to we will be available to take your call today and we are open until XXXX XXXX The phone number is XXXX. Again, this is an important message from the IRS and it would behoove you to call before we are asked to see XXXX XXXX communication. XXXX This is an attempt to collect a debt. Any information will only be used for that purpose. Please call or have your attorney to sell. Payments can be made online at w w w dot direct Recovery Services. Calm under the pay height. You will need your account number and zip code. Your account number is XXXX XXXX. And your ZIP code is XXXX.
A company called Seterus, who I never paid any mortgage payments to, is reporting that in XXXX, 2016 I was 180 days behind on my mortgage. They report ND for two years prior to that, state that my account was transferred and that my credit limit was {$750.00}. None of this is true. Seterus has not responded to me, but provided this information to XXXX. I am trying to purchase a home, and this has reeked havoc on my ability to get a loan. I need this erroneous account removed from all three credit reporting agencies.
XX/XX/XXXX It is my belief that SunTrust Bank has/had illegally opened a SunTrust Consumer Credit Card account in my name in XX/XX/XXXX without my knowledge or consent. I just found out about it because I had received a letter from the SunTrust Bank in XXXX, Tn. dated XX/XX/XXXX stating " Upon review of your SunTrust Consumer Credit Account, we see that you have not used your Account in several months. '' This was the first that I learned of my having a credit card account with SunTrust. On or around XX/XX/XXXX I called the toll free number in the letter ( XXXX ) and spoke with a women by the name of XXXX who advised that I would need to go to my local bank regarding the problem ; I told her I was not about to run all over town trying to resolve a problem that they started. A claim number of XXXX was assigned to this issue. On or around the day after my conversation with XXXX I received a telephone call from a gentleman named XXXX who asserted that this matter was a " fraud issue '' and would be sending appropriate paperwork for me to fill out and file. I told him this was not a " fraud issue '' ; that it was done by someone who works in the bank itself. On XX/XX/XXXX I received an email from SunTrust at my XXXX account of issues with the credit card account. Shortly there after I received another letter from SunTrust Bank dated XX/XX/XXXX that they have " accepted our dispute on the basis of fraud and would be happy to investigate this matter on your behalf. '' The letter than goes on to request personal information, etc. I believe that what has happened is : Sometime in XX/XX/XXXX I purchased a truck from XXXX XXXX XXXX dealership in XXXX XXXX, Fl. that SunTrust was the bank that XXXX went through for the financing ; which means that the personal information ( drivers license, social security number, etc. ) that the XX/XX/XXXX SunTrust letter was requested they had to already have had it from my initial application via XXXX XXXX for the purchase of the truck loan application. Shortly thereafter in XX/XX/XXXX I paid the truck off in full. After a review of my credit rating through XXXX XXXX on XX/XX/XXXX ; XXXX XXXX reported the SunTrust Consumer Credit Account opened XX/XX/XXXX. I have asked for copies of the credit card application that had been filled out but have received no cooperation from the bank ... they are now trying to " blow smoke '' that this is a fraud issue. I believe that someone at the bank opened this account. What is also interesting is that I never received any credit card account statements during these past years. Do the banks and/or employees have or get any compensation for opening these accounts? And do car dealerships get anything from these issues? I believe that the only reason that this matter has come to a head is that they are " purging '' accounts that have not had any activity and this popped up. 

I am filing this matter with you and under the Dodd/Frank Act through your organization. Please respond. 

Sincerely, XXXX XXXX XXXX All documents regarding this matter would be faxed to you upon your request. Not able to send with this complaint ...
I had at one time four different retail credit cards with Synchrony Bank after Synchrony Bank purchased those assets from GE Capital. Since then, Synchrony Bank has closed out one of my credit cards in which I never was late, and they lowered my credit limit on three of my other credit cards despite me not having any late payments or delinquency. I think their business practices are unfair and unreasonable. I have read many online forums where these business practices have been commonplace with them. I want to file a formal complaint against Synchrony Bank for unfair credit practices and credit reporting.
I have a medical bill that is the subject of a good faith dispute. It was submitted by the medical service provider to my health insurer using the incorrect billing code. The claim was resubmitted, but the insurer has not yet responded. In the meantime, the medical service provider still has in its records that I owe the entire balance, which may or may not be true, depending on whether insurance covers some or all of the charge ( and I strongly suspect this would be covered ). The medical service provided was a series of vaccines required before traveling abroad. I received XXXX, and XXXX were covered. It was the XXXX that was submitted incorrectly, and is being resubmitted. Because the other XXXX were covered, I have every reason to believe the fourth will be covered as well. 

Despite the good faith dispute, I have received several, increasingly hostile, calls and mailings from the medical service provider 's collection agency.
Back in XX/XX/XXXX /XX/XX/XXXX i sent out a letter to XXXX XXXX XXXX XXXXequesting for Validation of this debt that is reporting on my credit report. 
The company XXXX XXXX XXXX, which i hold no contract/no hand signed contract with nor have received services from, reported a collection account against my social security number in the total amount of {$780.00} with XXXX, XXXX, and XXXX credit reporting Bureau. I have requested verification of the debt and account, however the business failed to provide adequate proof. Considering that XXXX XXXX XXXX does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
I contacted my credit card company to dispute 2 items on my XXXX statement. I went on a XXXX cruise and made these purchases, but the items were defective, I did not discover this until I returned home. I was told I had a lifetime warranty with the device, but I was not told by the merchant that I had only three days to register and that all sales were final, these detail were conveniently left  out. Since I was on a cruise ship, and I did not open the packages to see the registration card until I returned home, I was unaware about the registration deadline and did not see the small print disclosure on the receipt. It also stated I had 14 days to return or exchange the items. At this point, I filed the dispute since the items did not work properly, returned the items ( insured ) back to the merchant. I received the package back unopened " refused '' and ultimately in the end, KeyBank XXXX denied my claim strictly because of what was printed on the receipt, " all sales final ''. I tried to reason with my bank and explain the extenuating circumstances - my concern that other potential customers may be scammed as I was ( almost {$2000.00} loss ). They told me to file a claim with my attorney general 's office and apologized, that there was nothing else they could do to assist me since they were following policy. I found this unacceptable, and I am sincerely hoping someone will assist me with my appeal to XXXX. It is difficult for me to accept that a merchant ( Forever Flawless ) can sell faulty new merchandise and put whatever they want on a receipt and just get away with it. Consumers should have some rights and be protected against scammers. This was not a $ XXXX {$10.00} item which I can just write off, this total cost was almost {$2000.00}!
My mortgage was in payment arrangements through XXXX XXXX XXXX. Carrington mortgage assumed the loan in XX/XX/XXXX and when I contacted them to set up payments they told me my bill was {$26000.00} and I would have to pay that amount in full to then set up payments. I submitted a request for mortgage assistance in XX/XX/XXXX. I received a letter on on XX/XX/XXXX dated XX/XX/XXXX that addition documents were need. I submitted those on XX/XX/XXXX withe a deadline of XX/XX/XXXX. I was on the phone when the documents were sent to verify the arrival of the documents. I call back on XX/XX/XXXX not having heard back from the company and was informed the the case was closed and denied due to paperwork not being received on time. I have the emails and confirmation that everything was received. I was informed today that I need to submit and entire new packet. So I did and was told to call back to verify that it was received, I did but was informed that they will not process the packet at this time but within the next 3 days.
I got an email say I applied for a loan and was denied for a loan. I did n't apply for a loan. When I called them they wanted to give me a gift card and more information. I told I do n't need a gift card, I did n't apply for a loan. I just want to get to the bottom of this. He gave me the # XXXX ( which I know is just a directory for info ) and said it was the number to he 's supervisor. This is a scam and how did they get my SSN #?
I traded my car in on XX/XX/2016. Ally reported that I missed payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. For the past three months I have been trying to work with them and XXXX XXXX XXXX to get this corrected. However, they have not made the correction to my credit report.
I've disputed an item reported to ChexSystems by XXXX XXXX  several times in an attempt to get account validation done correctly. Each time ChexSystems has written back saying the information is correct, validated, and to contact XXXX XXXX. 

Identifying information and status listed in this item is not mine and incorrect and they are refusing to delete this inaccurately reported item. 

The Status date says : Unpaid whereas XXXX XXXX  says : Charged Off The reported driver 's license number ending in : XXXX is not nor has ever been mine They are reporting 'NSF Activity ' and have yet to provide any documentation showing as such. 

Also, XXXX XXXX  is actively using a 3rd party collection agency reporting to XXXX, XXXX, and XXXX XXXX by the name of XXXX XXXX XXXX XXXX XXXX. How can they both be reporting different information to different bureaus and it still be accurate. Two entities can not actively collect on the same account.
I have been recieving threatening phone calls from these people. I was told if i didnt come up there and pay them they would call the police on me and i would go to jail. As of now my account has accrued interest because of their behavior. They have called me at my job everyday and sometimes even twice a day which i understand is against regulation. I am being bullied by these people and am in no position to resolve it because they said i cant come there or they will call the police on me. Im tired of being harassed them they are not trying to resolve the issue rather just argue
I have never had an account with this company nor have I entered into an agreement to pay them. This item is reporting in violation of the FCRA as well as the fair debt collection practices act section 807-8
I have private student loan with navient I am currently paying based on my income however it is very expensive and I ca n't afford the payments .i am set up for automatic payments each month based on my payday and they are charging me a late fees each month also the amount that I am paying is only being applied to XXXX loan and not all of my loans. I have co signers and I am feeling I am drowning in this debt I have to reapply again XX/XX/XXXX for this income based program and it wil most like go up which I can not afford. I am currently paying XXXX per month, this is up by XXXX more than I paid last year and my balance does not seem to be going anywhere.
On XXXX/XXXX/2015 I disputed XXXX XXXX XXXX XXXX on my Equifax credit report using the online dispute system. I received notice that that information was " Verified ''. On XXXX/XXXX/15 I sent Equifax a request for method of verification as authorized by FCRA 611 ( a ) ( 7 ). ( attached Doc # XXXX ) This request was delivered to Equifax on XXXX/XXXX/2015 ( Attached Doc. # XXXX ). The Fair Credit Reporting Act requires this method of verification be provided no later than XXXX days after receipt of the request. Equifax has failed to provide me with the requested method of verification and therefore is in violation of the FCRA and my rights therein.
I have disputed these companies being on my report because I did not ask for them to inquire about my credit. 
These are the list of companies who inquired about my credit below : Inquiry details XXXXl/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX
In XXXX of XXXX, Nationstar Mortgage contacted me about requiring my property to have flood insurance based on XXXX updated maps. Knowing this was a mistake, I started into doing the research to get this corrected. In XXXX of XXXX, Nationstar Mortgage informed me that they have obtained flood coverage on my behalf and debited my escrow account. In the fall of XXXX, I obtained all the documentation to submit to XXXX for a Letter of Map Amendment. In XXXX of XXXX I received the Letter of Map Amendment removing my property from the flood plain. In XXXX of XXXX, Nationstar Mortgage released my obligation to have flood insurance. Nationstar refunded a prorated balance of the insurance premium. I should have been refunded the whole premium based on accompanying documents with the Letter of Map Amendment and XXXX Flood Insurance Program " Cancellation and Nullification '' document reason # XXXX. 

My request for full reimbursement of premium is based on XXXX 's document titled " Addition Information Regarding Letters Of Map Amendments '' provided in the XXXX cover letter doc. Paragraph XXXX of this document states : " If a lender releases a property owner from the flood insurance requirement, and the property owner decides to cancel the policy and seek a refund, the XXXX will refund the premium paid for the current policy year, provided that no claim is pending or has been paid on the policy during the current policy year. The property owner must provide a written waiver of the insurance requirement from the lender to the property insurance agent or company servicing his or her policy. The agent or company will then process the refund request. ''
At the conciliation court conference on XX/XX/XXXX, lenders counsel confirmed that a TPP had been offered and verbally reported that they amount due is {$560.00} due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but did not mention needing a signed returned agreement. On XX/XX/XXXX, the homeowner received a billing statement from Ocwen dated XX/XX/XXXX, confirming the amount of the TPP : {$560.00}. Timely payments were made XX/XX/XXXX & XX/XX/XXXX. They were accepted by Ocwen and as of this date have not been returned to the homeowner. On XX/XX/XXXX, an email attachment with a letter from Ocwen was received by the housing counselor ( sent from lenders counsel ) stating that the modification offer was not forthcoming and was being cancelled/denied because the homeowner had not returned a signed copy of the TPP offer. However, the homeowner had never received a detailed TPP offer packet. She was not given a copy of the TPP offer until XX/XX/XXXX via email from lenders counsel. *HOMEOWNER HAS NEVER RECEIVED THIS OFFER BY MAIL* The homeowner immediately signed and returned the TPP offer, but at the conciliation court conference on XX/XX/XXXX, the homeowner was told by lenders counsel ( after mistakenly telling her that shed been denied for missed TPP payments ) that she would have to reapply for another TPP. Ocwens counsel reported that Ocwen would keep the submitted TPP payments and apply them to the delinquency but not modify the mortgage.
I disputed several judgements that were listed on my credit report with Equifax. I received a letter stating that XXXX of them were deleted, XXXX was being updated to " satisfied '', and the other XXXX were verified. The XXXX that were said to be deleted are still on my report. I sent Equifax a method of verification letter, but never got a response. All XXXX judgements are still on my report even though I have had the incorrect addresses removed and disputed.
TransUnion continues to display fraudulent information about me. I've tried to remedy this with them in the past, but to no avail. I could care less, about a credit score, being that I am a human being and not a tool for commerce. a set of numbers do not define this human being and never will, so therefore, it is my demand that TransUnion abruptly stop, sharing/reporting my personal information, without my written consent and as far as I'm concerned, they will never have my written consent to report private and personal information about this Consumer. TransUnion has illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus ' violated all privacy rights and allowed personal information to be leaked, due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus ' maliciously and collectively shared this Consumers personal information to make trillions of dollars, by selling it to various debt collectors, employers, financial institutions and a host of others. My wish is for the Federal Trade Commission to demand, on my behalf, that all 3 credit bureaus ' remaove all of this Consumers social security numbers, date of births, financial accounts, or credit/debit card numbers, drivers license numbers, detailed health, or medical history, or similar sensitive information. All relations with these 3 credit bureaus ' are now in question for reporting fraudulant information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars, from all 3 credit bureaus ' for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the CFPB, for protecting his Personal, Family and Household.
Sunday, a withdrawal came through my account, automatically. When the law changed during the Obama administration, the bank asked me whether I want my overdrafts covered or not. I said not. I've incurred a XXXX fee and a XXXX payment to a company I ended business with several months ago. Both should had been refused. I want my XXXX returned to my account. Overdrafts are NOT to be paid under any circumstances. 


Thanks.
This is an additional complaint to the previous XXXX. I already a confirmation number. My account was reported to XXXX on XXXX XXXX, 2016 as increase of {$540.00}.
Midland Credit Management , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX states I owe them {$4400.00} from an original creditor XXXX, XXXX. as account XXXX. I have asked this business on four ( 4 ) request by United States Postal Service Numbers,XXXX, XXXX, XXXX, XXXX, and some mailing not certified mail return receipt and I have not received a copy of the original contract with my signature with date signed, dated became default and some record of payments so I may understand it this is my debt, and as of XXXX XXXX, XXXX this has not been completed. I have offered to pay with-in reason an amount that my social security will support if in fact this is my debt. I have contacted Midland Funding LLC, XXXX XXXX XXXX, Assisting Secretary, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX with no response. This constant XXXX abuse I think may be of human rights and has caused my XXXX XXXX to increase to another stage and causing loss of productivity, and despair just to constant sending letters and answering questions. They continue to refuse to send me the documents I have requested and I have asked they stop contacting me and they still contact me. I asked them to take the request to court here in XXXX County, XXXX so resolve the issue. I am XXXX years of age and I must have this stopped and now I need assistance. I do not have any knowledge of this debt and I ca n't remember anything about this debt. I have researched XXXX credit reporting agencies for information and I can only find a Account Review Inquiries of XXXX on XXXX/XXXX/XXXX address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Telephone XXXX. I have asked this business to stop accessing my credit report without authorization. Midland Credit Management , Inc. has contacted my ex-wife of 30 years past with constant telephone calls in XXXX per letter from ex-wife. My age of XXXX and XXXX ( XXXX ) XXXX children and I am a single parent and I need assistance to stop Midland Credit Management , Inc .
I was in a accident and fell behind on my finances due to doctors bills and extra travel I then joined a debt consolidation company to help lower payments and get paid off the payments will start XXXX XXXX and these people keep trying to charge my checking acct causing overdraft charges to increase debt.