WillisBack/dataset-financial-user-claim huggingface dataset:
Did not mark my account as disputed within 30 days. 
Also, has NOT validated this account with a signature. This is the letter I sent them on XXXX/XXXX/XXXX : This letter is in response to your recent claim that XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
I applied for an American express serve card, was approved, had my job direct deposit to it and was very happy with the card. Then one day when I tried to use it I couldn't. I called the company and they told me that my card has been suspended but that they where not allowed to tell me why. They always acknowledge that I have a balance of {$84.00}. and promise that they will send it to me but never do. I've called twenty times in two years to no avail.
Citibank credit card has put me on paperless statements without my permission several times which has caused in one case late payment. They said I agreed to it online.
This is my second time contacting you regarding this issue. My consolidated loans were recently transferred from XXXX to fedloan servicing as the result of my enrollment in the public service loan forgiveness program. During the month of XX/XX/2017 I was unable to send payments to either XXXX or fedloans. Today when I logged on to fedloans it is showing that I am delinquent. I called fedloan 's customer service to have them remove the delinquency and was told that they can only make an annotation that " may '' be resolved in 60-90 days.
I called to try to settled a debt collection with the agency. The first lady name was XXXX XXXX. She was extremely rude and would not let me make a payment. She talked down to me, had an attitude, talked over me while I was asking questions, and she also hung up in my faced. I called a second time and asked to speak to someone else. The XXXX lady was even more rude and had an attitude and also hung up in my face. I ended up calling a total of 7 times and still received horrible service and still did not get to make a payment. They would not give me a new agent to handle my account and basically thought it was funny. I 'm appalled and feel very disrespected because I sincerely was trying to make a payment to get it resolved and they refused to accept the amount I was willing and able to make today and told me that I could not pay anything under {$1000.00}. It was a horrible and frustrating experience that resulting in me not being helped.
I have disputed a claim against XXXX XXXX XXXX , XXXX for their blatant violations and fraudulent claims of debt owed. I have supporting documentation to support my disputes ; however, they refuse to remove the accounts from my credit report on ( XXXX ) of the the ( XXXX ) credit reporting agencies. I have retained legal representation and will continue to fight this injustice of commercial business practices. Being charged XXXX {$4000.00} from an apartment complex who has transitioned ownership three times in the last 24 months and told that there are no " written records '' of my decision to vacate upon lease expiration is madness ... how long can commercial muti-family management companies be allowed to do this??
Submitted dispute # XXXX with Experian to correct date of birth. Was informed dispute was completed, and results available on Experians website, my account. When I accessed my account, was informed results were not available online, and to call a phone number for results. Calling that phone number, I was told to check online. Run-around!
XXXX has been my loan servicer for the past couple of years. I received a notice from XXXX that my loans are being transferred to Nelnet, not ideal but not terrible. 

However, the transfer to Nelnet is supposed to happen by the end of this month ( XX/XX/XXXX ) and I have NOT heard a single thing from Nelnet yet. Since I usually pay my student loans in the middle of the month, I tried to log into my regular XXXX loan portal and my outstanding loans are gone. 

So now it is near the end of XX/XX/XXXX, my loans are due in less than a week and I have no way to pay those loans. 

Help.
We were in the process of selling our home and needed a payoff from XXXX to gear if it was feasible to be able to sell our home. I contacted XXXX in XX/XX/XXXX and was given a payoff of XXXX and asked them if there was any other debt assigned to the property and they said no, so we proceeded in selling our home. We received an offer in XX/XX/XXXX to sell our home of XXXX, and we accepted it. Closing was set for XX/XX/XXXX. My lawyer XXXX XXXX found that there was another lean on the property and immediately contacted XXXX for additional information. XXXX was less than cooperative to resolve the issue and did not resolve till closing date. Closing came and 1 hour into closing the sale of the property We were informed that we needed an additional XXXX for the sale of the property and if we did not pay it we may have a lawsuit or have to file bankruptcy. What had happened there was a non interest subordinate loan on the property from Hud and XXXX never disclosed it. This was set up by XXXX XXXX in XX/XX/XXXX from a modification. the loan was sold to XXXX and the modification was no longer disclosed by XXXX in any form. We would not have sold our house if we knew that loan was still outstanding. We ended up putting ourselves in deeper debt to close on the property. We were severely mislead by XXXX and there complete lack of service. XXXX responded and put the blame on XXXX. Now we are going back and forth who is responsible for servicing, and how do I know if this loan was paid off. The account that you are referring to within the complaint was not serviced by XXXX but was a Subordinate Note ( Partial Claim ) that originated on XX/XX/XXXX, with your prior loan servicer ( XXXX XXXX XXXX  ) in the amount of {$18000.00} ( see enclosed copy ). The documentation identifies that Housing and Urban Development ( HUD ) was the lender and payment shall be made to HUD or any such place the lender may designate, which was not XXXX. Our records reflect that the account XXXX is servicing was originated on XX/XX/XXXX, with XXXX XXXX XXXX in the amount of {$260000.00}. XXXX does not have any documentation that a payoff was requested in XX/XX/XXXX as asserted within the complaint. On XX/XX/XXXX, XXXX received your request for a payoff on the above referenced account. XXXX provided you a payoff on XX/XX/XXXX, for the loan were servicing, identifying {$220000.00} was due to satisfy the loan. As XXXX was not servicing the Subordinate Note we would not be the entity that would provide you directions to pay it off. On XX/XX/XXXX, XXXX received the payoff on the account we serviced and on XX/XX/XXXX a notice that the account was paid in full was sent to you. If you have any further questions, you may contact XXXX Customer Service Department toll-free at XXXX, Monday - Friday XXXX XXXX to XXXX XXXX., and Saturday XXXX XXXX to XXXX XXXX. CT
On XX/XX/2018 I responded to a XXXX advertisement for an XXXX basketball game. I contacted the seller and we exchanged phone numbers to complete the sale. I was told to transfer the money via XXXX and in return would receive the tickets through flashseats. Seeing as though XXXX was an app that Bank of America used as it's means of transfer, I trusted it thinking that my bank would protect me in cases of fraud or scam. I transferred {$800.00} through XXXX to the seller and unfortunately after the money was transferred the seller never replied back to my messages. This is when I realized it was a scam and the next morning I called my bank and filed a claim. I was told I would receive a letter from my bank within 5-10 business days on the status of my claim but that letter was never received. However, through my bank account online I was able to check my claim status and the claim was " resolved '' and I was not given back any of my funds. A bank is supposed to protect their customers and the fact that I was able to transfer a large sum of money with no guarantee of protection is ridiculous. A system like XXXX that Bank of America, a world-renowned company is so proud of and has featured on their banking app should be able to offer their customers protection in cases of scam and fraud.
I have been renting a condo unit for 2 years. The original owner had passed away. The condo association. had Certificate of Title for the property and was renting to me. I have a signed lease thru XX/XX/XXXX.The condo went into foreclosure last year. On XXXX XXXX, XXXX, Ally Bank purchased the property. In XXXX XXXX, they sent a Demand for Possession letter stating that I may have additional rights under the Protecting Tenants Act of XX/XX/XXXX, and asked for my lease copy. My realtor sent both Ally Bank and their lawyer, XXXX XXXX XXXX, XXXX, FL, the lease, proof of my timely rent payments and a letter asking where my rent payments should now be sent. No response to this letter was ever received from either Ally Bank or XXXX XXXX XXXX. In XXXX XXXX a Motion to Issue a Writ of Possession was taped to my door. ( on my end, everyone involved, my realtor, the condo assoc. lawyer, realtor for new owner assured me that my signed lease had to be honored ). On XXXX XXXX, XXXX, a Writ of Possession was taped to my door. Calls to XXXX XXXX XXXX by my realtor, myself and a local lawyer were fruitless. XXXX NOW said they would NOT honor my lease as they deemed it " invalid '' as it was signed after the foreclosure process started. My lease was signed XXXX XXXX. Ally purchased the property XXXX XXXX. They had never stated this to either me or my realtor until XXXX XXXX. They would not grant me an extension. They told my realtor ( not me ) that the sheriff was coming the next day at XXXX to evict me. This was XXXX and I had to scramble to get movers and work all night to pack what I could. Both the sheriff and eviction crew were very kind and they waited while I moved out what I could. I am XXXX years old and Ally Bank and XXXX XXXX XXXX put me out on the street even though I had a signed lease, paid rent timely for 2 years, and kept their property in good condition. Their actions were reprehensible. People need to be aware of their tactics. I am asking Ally Bank to reimburse me for the {$2000.00} moving and storage costs and the {$500.00} in refrigerated and food items I had to leave. No dollar value can be placed on the personal items I had to leave ... things that were to be given to my grandchildren, or on the unnecessary stress I suffered. Instead of sending notices saying " send a copy of your valid lease '', which we did XXXX times, they could have easily told my or my realtor they deemed my lease invalid. I surely would have moved out. I was prepared to leave at lease end anyway as I assumed they would be selling the property. Ally Bank 's slogan is " bank human '' ... .I think they should re-think that one. They and XXXX XXXX XXXX did not have the decency to honor a signed lease for 3 more months. It was easier for them to evict an innocent XXXX. The public needs to know how they operate and give pause before dealing with them. F.Y.I ... If you have a signed lease on a foreclosed property ... .beware, it may do you no good.
Credit report ran by XXXX XXXX XXXX XXXX XXXX, 2017 by non-profit alliance for homeownership shows duplicate accounts from nelnet college loans accounts. Balance should be {$63000.00} with monthly payment of {$230.00} ; but is shown as $ XXXX.with monthly payments of XXXX, because the source code was entered in differently for source XXXX XXXX . I  attempted countless hours speaking with Nelnet to fix this problem. I spoke with 3 different supervisors and the floor manager and was given several different reasons why the duplicate accounts occured without ever taking accountability for the error in their data processes. I need Nelnet to take accountability for their mistake so it does n't happen to anyone else. Please assist in the correction needed. Thank you.
After changing jobs and getting paid less money, I found that I would have difficulty keeping up my mortgage payments with Bank of America. I owed $XXXX on my mortgage and applied to Bank of America for a mortgage modification last year, for which I was denied. I applied for and received approval for a short sale from Bank of America. I found a buyer who was willing to pay $XXXX. The bank appraised the house for $XXXX but stated that the buyers would need to pay $XXXX. After some negotiating, the buyers accepted the bank's offer of $XXXX. The sale was later denied by Bank of America for yet unexplained reasons. I have been reaching out to them since XX/XX/XXXX with no luck. I have been trying to sell this house for 3 years with many people looking but not wanting to buy. It is very frustrating that I finally found some serious buyers and the bank is making them lose interest by denying this sale and not providing any reason. I am getting to the point where I won't be able to afford the mortgage payments any longer and it is unfortunate that I have made every payment since I bought the house in XX/XX/XXXX, to be treated this way and without cause or reason.
XXXX has been non-compliant with removing the unverified account EXETER FIN XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that EXETER FIN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
XXXX from XXXX XXXX XXXX XXXX ( XXXX ) XXXX  IL XXXX   called me on XXXX2018 claiming there was a parking ticket for an address I haven't lived at for years.

I told him I never received a parking ticket, and he told me he was reporting me as refusal to pay and hung up. I called back hoping to get some proof of the debt but he refused and hung up again.
Please do what is right! What is correct and honest! If I have to pay something I will do it. ( This is not a valid bill ). But this is a fraud! I'm very honest person, serving at XXXX XXXX. Please help me! This company : XXXX XXXX trying to get money from people. 2 years ago I had a serious problem with this fraudulent company. And I didn't report them. Now I have to! They reported a false collection to XXXX. Why false? Because they don't have enough proof. They don't have details, or an explanation showing step by step where the bill came from ... Here 's the information : Original Creditor Name : XXXX XXXX ; AMOUNT {$150.00}. I had no idea! I didn't know anything about that. I contacted them, they sent me a fake bill that anyone could make it very easily using XXXX or any XXXX App.. I also had to contact XXXX and you know what? They didn't have any details of where that {$150.00} came from ... After fighting with CONVERGENT and talking with many people they removed that false collection from my Credit Report. ( On XX/XX/XXXX ). On ( XX/XX/XXXX ). I saw on my credit report the same collection again that it was removed from my Credit Report 2 years ago! How was possible? If the collection was removed 2 years ago? I felt so bad ... Do I have to call the police or what can I do? I don't know if it's a joke or what? ( IF THE COLLECTION WAS VALID, IT MUST BE ON MY CREDIT REPORT FROM XX/XX/XXXX ... BUT IF THEY RECOGNIZED AS AN INVALID COLLECTION AND IT WAS REMOVED FROM MY CREDIT REPORT IS BECAUSE IT WAS AND INVALID, FALSE COLLECTION CONSIDERED AS A FRAUD BY XXXX ). And I also asked to this fraudulent company ( XXXX XXXX ) today XX/XX/XXXX Why they are not doing what the law required? They must send me a letter, notice and give me 30 or 60 days to respond to your letter, but they DIDN'T SEND ME ANYTHING ... I also request them a bill, but not a fake bill created by them, but a real bill with details, and they refused. They didn't have an answer when I asked them why they are against t law ...
I actually paid this debt to XXXX creditor, as I called to see if I could get the payment lowered and start paying on that amount. I was told it was taken care of and now I see it listed as a deragatory mark.
Equifax I have disputed this account for 6 months with you XXXX, the XXXX CFPB, FTC, Attry Gen CA No one can get any evidence on this account that I made it or its mine inXXXX I filed a fraud alert as got a pin from the IRS because someone was using my information .Enclosed is copies of responses that show there is nothing. I know you claim you do an investigation but you can n't tell me that these goverment agencies can n't do better than you in a investigation because they get no response also. I contacted the FTC on XX/XX/XXXXby phone they had nothing to report also, REMOVE THIS ACCOUNT FROM MY CREDIT REPORT as you state if it can not be verified it is removed I don't by mean old information you use but by up to date investigtion as these companies have tried .Please do not send me a templetere3sponse THERE'S NO EVIDENCE THAT I MADE OR APPLIED FOR THIS ACCOUNT.REMOVE IT also any response will be forward to the CFPB, FTC
I was living in a suburb of XXXX, XXXX ( XXXX ), and XX/XX/XXXX, my step-father took a new job within the XXXX at an XXXX in XXXX. I was a Chase customer while in XXXX and in the XXXX XXXX, but XXXX does not contain any Chase locations. Therefore, I had to close my account with a XXXX balance. I completed this at the branch located at XXXX XXXX XXXX XXXX in XXXX. The manager, from whom I had been getting cashier 's checks for the past few months to pay my rent, personally closed out my account, stood, shook my hand, and said he was sad to see me go. I said back to him that I would stay a Chase customer if they had branches located in the area of XXXX in which I was moving to. Now, a few years later XX/XX/XXXX, I 've moved back into the service area of a Chase bank ( suburban XXXX XXXX ), and when I went to open a checking account, I was told that I owed just over {$80.00}, which had to be paid off first, after which I could open up an account. I did not know about this supposed debt ( or else it would 've shown up on my credit report that I monitor constantly ), and I would think Chase would use another mechanism to block me from opening a new checking account between XX/XX/XXXX and XX/XX/XXXX, which I did with XXXX XXXX XXXX XXXX.
I have a few collection agencies reporting debt I do not owe and is not mine. Iv never been contacted by phone or mail from any of these companies about anything. I would like them removed.
Mortgage Servicer has not accounted for payments received and disbursed from my mortgage escrow account properly since XXXX XXXX through XXXX XXXX. Account balance based upon numbers that they have provided in Section 6 Your Escrow Account History for the Past 12 Months is more than {$10000.00} off for the above-mentioned time period. The numbers on this legally required annual escrow disbursement statement in no way are correct. Ending and Beginning Balances from year to year do not match. There is no disbursement showing for my impounded homeowners insurance, yet references are made to it. Payments into the escrow account are supposed to be the same each month, according to Item XXXX Projected Payments into Escrow ; yet for some unexplained reason around XXXX of some years the amount deposited is greater that the projection. 
Even taking into account homeowner 's premiums that more than likely were paid there is still over a {$5000.00} discrepancy.
I 'm writing this grievance in regards to XXXX Bank XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and XXXX through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. XXXX has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you
In dealing with  Sallie Mae Student Loa ns, I have repeatedly tried to tell them that I could not make my $ 600+/month payment. I have asked repeatedly for options in the past and have asked the company disclose ALL relief options to me. Representatives were unwilling to disclose options to me because they " ca n't '' or claimed that paying the full past due amount was my " only option ''. It was n't until recently when my account became so past due to the point of nearly charging off that I was actually able to get some sort of disclosure for options but because they did not give me this information in a timely manner, I have a smaller window of time to even make a decision which is not fair on my end as a consumer. Also, this morning, I received a phone call at  XXXX  from  XXXX   XXXX   , a  representive fro m Sallie Mae a nd this is outside of the hours that a debt collector can call.     I 've also had bad experiences with  XXXX   XXXX  and the use of aggressive verbiage as an attempt to scare me. He was notified within the last week to not call on my account as I am working with another agent in another department, yet I am still receiving calls from him.
I received a letter from a debt collector, XXXX XXXX XXXX, on XX/XX/XXXX, stating I owe money on an account I do not recognize and threatening to take me to court. The original creditor on the debt collection notice is listed as XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX at least twice by phone and both times my contact information was taken and I was told I'd be contacted by their fraud department but I have not received any call back to resolve this matter. 

I have responded to XXXX XXXX XXXX via fax on XX/XX/XXXX informing them the account is not mine and is a result of identity fraud but have not received a response from them.
Account was never mine. Went in person to see if I can have a line on this mentioned account transfered to my name. they would n't even talk to me at the time because it was n't in my name. therefore the debt it is not mine. The account was originally with XXXX
The lender has failed to respond to our QWR and Notice of error request sent on X/XX/17 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. By not responding and postponing the sale date the lender is not allowing an adequate review and assistance to be provided to the client
I send my credit card payment on time every month and they charge me fees in the form of interest, I have contacted them once before and they said it would not happen again, It has happened again and they charge finance charges,,, I always send my bill 8 days before it is due. Thank you for your help XXXX XXXX XXXX