WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from the Collection Bureau of Hudson Valley in late XX/XX/XXXX regarding a debt from services rendered at the Hospital from XXXX ( XXXX ) in XX/XX/XXXX. I responded immediately by returning their form with on which I communicated that XXXX had been paid on XX/XX/XXXX ( within 3 months of the date of service ). This led me to be bewildered how there could have been any attempt to collect a debt. I also provided them with the transaction number from my bank and asked them not to contact me again. 

On XX/XX/XXXX I received a call from the Collection Bureau of Hudson Valley again trying to collect this debt. When I spoke to their rep, I confirmed they received my response to their letter on XX/XX/XXXX and that they were aware that FTC regulations prohibit them from contacting me again until they verify the debt. Even so, I have become subsequently aware that as I had already asked them not to contact me again, they should not have done so.
On XX/XX/2018 I sent out a certified letter to EXPERIAN in regards to removing the unverified accounts XXXX XXXX {$8400.00} Balance & XXXX XXXX XXXX - {$2700.00} Balance from my credit. the listed items are entirely inaccurate and incomplete & represents a very serious error in Experian 's reporting, I asked to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), in which They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, they replied stating that they have verified the information without the proper document. On XX/XX/2018 I sent out a 2nd letter Stating that they have not removed the items that have not been verified which is required by law and they have had 30 days to investigate in which law requires removal of unverified accounts if unable to verify. As a gesture of my goodwill before litigation if needed, I will restate my dispute. The following information needs to be verified by the credit reporting agency, following failure to verify, deleted from the report as soon as possible.
This company Palisades collection is suing me for {$4700.00} this Debt is from XXXX/XXXX/2008 the statute of limitation for nys is 6 years This Debt is over 8 years old they never contacted me on this matter until i got a summons telling me they are going to take income execution on my wages. I have read that under the FTC and NYXXXX statute of limitation is 6 years in NYXXXX. I was never contacted about going to court on this matter or would have and fought this.
My husband and I got a revolving line of credit loan in XX/XX/XXXX. We bought a credit life insurance policy to cover the loan. My husband died in XX/XX/XXXX. I told the lender about his death many times and asked them to use the policy to pay-off the loan but they ignore me.
Mis-allocation of funds more than XXXX time, and addition of " fees ''. 
Making it very difficult to bring account current as " overdue '' balance is inaccurate and adds up. 
XXXX phone calls today alone, the most recent being at XXXX on a friday evening.
I have a debt collector on my credit report representing XXXX XXXX. I have not ever seen this account and have been disputing this charge for over 5 years. When I did call to find out what the issue is I was transferred many times and then told I would have to wait for something to be mailed to resolve this issue.
On XX/XX/2016, i was told by Sam's/Synchrony Bank, my account was compromised. I paid my bill in full as usual, I never leave a balance. I received a new card, called and was told no there was another compromise. I waited and no card came I called several time XX/XX/XXXX about the account. I was never told I had an outstanding balance, was on the phone several times with customer service for over 10-20 minutes each time. Was told each time that the card was still in route. I called back XX/XX/XXXX several times and was told a new card was on the way. 
XX/XX/XXXX I decided to try to activate the card that was sent XX/XX/XXXX, it activated. I have not used the card since activated. I have another Sam 's card that I used and paid in full. 
I was notified XX/XX/XXXX by XXXX XXXX XXXX had a late payment. I called to find out how this could be. I was told I left a balance XX/XX/XXXX. I asked why I was n't told when I spoke to customer service all the times XX/XX/XXXX. They said they did n't do that. I asked why I was assessed an interest charge after I paid in full for XX/XX/XXXX and received no answer. I believe the interest charge should be remove and I would have had no late payment. 
I had perfect credit until this and have asked the late reporting be removed from my credit history.
This credit card company is not reporting ( my correct balances ) to the credit report agency in a timely and accurate manner. I am not receiving my billing statement from this credit card company in an accurate and timely manner. With this credit card I requested to have it delivered to me via electronic mail, but have not received one for XX/XX/2018 billing statement cycle. This credit card company is not updating my information to Transunion accurately. My online account does to reflect correct account information in real time from this credit card company.
On  XXXX   XXXX  I was notified by  Chase v ia phone that there were some large withdrawals from an ATM in  XXXX   XXXX  California, and I am in  XXXX   XXXX  NV. They made  XXXX  separate withdrawals at an ATM  XXXX  for {$500.00} and  XXXX  for {$1300.00}. Once I was notified they turned off my card. They also asked about another transaction that I said I did n't recognize fro m  XXXX   for {$14.00}. I did n't know what that was at the time and it had been happening since  XXXX   XXXX . Since the first transaction happened in  XXXX  they said they are only liable for 60 days. I only reported it once  I    representative on the phone mentioned it to me. Now I am out {$1800.00} and was refunded {$45.00}. I talked to the claims rep who informed me of this and was escalated and was told the same thing. When I asked the escalation representative for someone higher he told me know and would not disclose his full name. He did say he was in the  XXXX . I visited a local branch who got someone on the phone and was told they were going to reopen it for review. I called today and spoke with  XXXX  from escalations and was told the same thing they could not do anything for me. I reported the fraud once they called me on it and I only reported the  XXXX  instance. Since they went back to  XXXX  they have denied my claim.
I 'm trying to use a payday app,   XXXX   XXXX  , and it is showing that I have a negative balance when I just got paid. It says that my bank, State Employees Credit Union, is not sending my information.
This morning XX/XX/2018 as i checked my XXXX  credit report, i noticed a collection from XXXX XXXX XXXX with an open date of XX/XX/2018. I did not open an account with XXXX XXXX XXXX or any original creditor. The original creditor listed does not provide services in my city or state. 


This Debt was disputed and removed from XXXX  approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company I C SYSTEM INC sold it to another collection company after it could not be validated. 

This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees.
For years I 've never had a problem paying big national chain stores, and local merchants with checks. Two months ago, a company called Telecheck ( First Data ), apparently hired by XXXX, XXXX, and XXXX XXXX began rejecting my checks as, they claim, my check writing pattern is indicative of fraud, though I have never bounced a check in any of these retailers. They are fraudulently representing themselves as having special knowledge when they do n't.
We have a {$440000.00}, interest only, equity line loan with Bank Of America that will change from an interest only payment to an amortized payment starting XXXX 2015 after XXXX years. It is a XXXX year loan. The XXXX XXXX years are interest only. The next 15 years are amortized. This loan is in the XXXX position. Our XXXX is a XXXX year loan has under XXXX yrs left on it. Most of our mortgage payment for the XXXX now goes against our principle. Bank of America has sent us a letter stating that our loan will change XXXX 2015 and our monthly payment will be adjusted from {$1100.00} a month to {$3600.00} a month starting XXXX 2015. An amount we can not afford to pay. 
We went to go see XXXX XXXX, Mortgage Broker, at our local Bank of America office, at XXXX XXXX XXXX, XXXX, CA XXXX, XXXX on XXXX XXXX, 2015, to get our equity line refinanced or to streamline our XXXX loans. She informed us that Bank of America could not refinance our loan or streamline our loan ( both loans are with Bank Of America ) and suggested we contact their Modification Office. We have heard that getting your loan Modified rarely happens, is a terrible deal if you do get a Modification, they take months to get it done and hurts your credit. 
Our income to Mortgage percentage is way out of the acceptable range for a traditional refinance. Our credit rating is XXXX and we have not been late on a mortgage payment in XXXX years. 
My wife also works in the XXXX XXXX industry. 
With our good credit history and our ability to weather the economic down turn, I think there should be other options besides just your income to mortgage percentage:1. The fact that we have never been late for a mortgage payment in XXXX years. 
2. The fact that an independent businessman has ups and downs that span over years. The possible success in the future should be looked at. 
3. Our XXXX mortgage should not be jeopardized because we have to refinance our XXXX. 
Bank of America 's actions are going to force us to sell our house that we have lived in for XXXX years. We can not afford their new monthly payment. There is plenty of equity in our house to support a loan. On XXXX XXXX, 2015, XXXX XXXX at Bank of America estimated our home value at XXXX XXXX and XXXX estimate is XXXX XXXX. 
Can you help us with Bank Of America to refinance our equity line or extend our interest only payments for another XXXX years in order to keep our loan payment at it 's present rate so we can stay in our house. We have proven that we can successfully pay our mortgage. I feel this tactic of selling loans without fully explaining what happens after XXXX years is another scam by Bank Of America to extort more money out of the American people and to force families to sell their home even though they have a great payment record and plenty of equity. 
We have already shown these documents to XXXX XXXX at Bank of America just to receive a flat out no.
Wells Fargo Home Mortgage request from XXXX that an insurance check in the amount of {$49000.00} be reissued and sent to them. WFHM forged my signature and deposited the check even after I object. Pursuant to Georgia Code OCGA 11-3-116 ( b ) .An instrument payable to the order of two or more persons :... [ i ] f not in the alternative is payable to all of them and may be negotiated, discharged, or enforced only by all of them. '' ( Emphasis supplied. ) OCGA 11-3-116 ( b ). " An instrument is converted when :... ( b XXXX Any person to whom it is delivered for payment refuses on demand either to pay or to return it ; or... ( c ) It is paid on a forged endorsement. ''
While requesting a pre-approval mortgage loan from XXXX XXXX, on XXXX XXXX, 2016, i found out there 's is something in my credit report that does n't belong to my personal credit history. It is from XXXX, joint acc. # XXXX opened on XXXX for the amount of {$6800.00}. i called XXXX, they told me they could't help me with this because the account was n't under my name. they reffered me to Equifax to be helped with removing that transaction from my credit report history.
On XXXX XXXX XXXX I sent chk # XXXX in the amount of {$2700.00}. This was to cover past due balance and monthly payments of {$230.00} through XXXX XXXX which I stipulated in a note attached to the check. The extra money was applied to the principle however they did not apply the payments to the monthly invoices as directed. I am now having my credit destroyed once again by this company being marked 60 and 90 days late. I contacted them by phone on XXXX/XXXX/XXXX and s/w to XXXX who informed me the computers were down but took my info and stated a manager would be calling me back. Never happened and when I called back there was no record of this call in their system. I then mailed back my statement with the information to be corrected still nothing. Disputed it on my credit report and my score has dropped by 100 pts due to this and im sure they are going to repo my car.
DiTech  Mortgage  ( previously GreenTree Mortgage )  amounts are being reported incorrectly. There are " deferment interest '' amounts that were not authorized or agreed upon at any time during the life of this loan. There are " reverse cash payments '' listed on the account payment folios, i.e. payments sent via  XXXX   XXXX , direct bill pay  services-CASH  ONLY SERVICES, all listed under Reverse Payment-CASH. I have requested an explanation as I am contesting the validity of the amounts. I was given time frames and in such fashion, returned a response within the time given. The company missed their own postmark date from my initial correspondence for the time they allotted themselves to respond. They then tardily responded stating there would be an investigation to my inquiry and a resolution and response within 10 days, however the company has decided to first grant themselves an extra 30 days outside of the previously stipulated 10 days to respond and then following ( prior to that expiration ) with a " threaten to foreclose '' if the amounts are not paid to them. DiTech has been just as much of a nightmare  as GreenTree  was. The harassing phone calls, condescending tones, threats of foreclosures -- all while the account is supposed to be " current ''. Calls beginning on the DAY PAYMENTS DUE, or their " FRIENDLY REMINDER CALLS '' turning into some outlandish conversation that causes more stress than the fact that there has been no relief from these companies yet. There 's absolutely no proof of their bogus charges, or how you can reverse cash payments, etc-yet they are allowed to " legally '' foreclose on my home as this is what they are threatening to do.
This is a formal complaint against you, Equifax due to your failure to comply with the FCRA laws and refusal to delete unverified and inaccurate information being reported on my credit report. Under the Fair Credit Reporting Act of 1970 ( FCRA ), all consumer reporting agencies must ensure that they establish and follow reasonable procedures to assure maximum possible accuracy. Furnishers can not report information if they [ know ] or have reasonable cause to believe that the information is inaccurate. Moreover, CRAs must conduct a reasonable reinvestigation when a consumer files a complaint about errors, and the CRAs must remove incorrect information from a consumers report within a limited period of time. Clearly, you are relying on the furnishers to conduct the investigations and determine whether an error has occurred and/or taking the word of the furnisher in handling these complaints/disputes. I am writing to dispute the accounts referenced below. I have disputed these accounts information as inaccurate with you and requested validation several times by mail and phone, and you have come back to me, stating that you were able to verify the debts but still have yet to provide any validation for these reported trade-lines. How is this possible? Under the laws of the FDCPA, I have contacted the creditors myself and have been unable to get them to verify that this is indeed my debt. The listed trade-line ( XXXX XXXX BANK -Account # XXXX ) is not mine, I have NO knowledge of this account and as such represents a very serious error in your reporting. Please be advised that I am not requesting verification, that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade-line. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information. Please know that you have 30 days to either answer these demands or to remove the associated negative trade-line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge XXXX or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

XXXX XXXX BANK -Account # XXXX This account is not mine and I have no knowledge of this debt. Therefore, it should be REMOVED/DELETED!!! 

***DELETE THIS TRADE-LINE FROM MY CREDIT REPORT/FILE INCLUDING THE UNAUTHORIZED INQUIRY****
our mortgage is sold to another lander and i have not recevied any info were to send money and we have not been late with our mtortgage for the past 5 years can we send to our old lander
I received a call from this collection agency. The call was for " XXXX XXXX '' ( who does not live at this address ). I asked several times for the caller to identify the organization and provide a mailing address, but she did not do so. According to the Federal Trade Commission guidelines on debt collection practices, XXXX, debt collectors are required to give a mailing address and identify themselves.
I currently have student loans through Navient formerly XXXX. I have received no help from Navient for the past 3 years since having my bankruptcy discharged. Before filing the bankruptcy, I was dealing with XXXX once discharged I had to resume payments to now Navient. I have been threatened continuously, told that I have exhausted any deferments or forbearances ( all done prior to the bankruptcy ) and was just told that my payments were going to go up even with me renewing the 'income driven repayment plan '. They do not currently have my current earned income. Mid-year last year, I changed jobs. I am making less money than I did at the time of the last application. I heard on the news about the Feds coming in and suing Navient for being dishonest in how they apply the payments. I am currently trying to get away from Navient and applying for a loan consolidation and loan forgiveness through the US Dept. of Education. I need help. I have been paying on this loan with no help from Navient, money is tight due to my health and finances and every time I deal with Navient, I start to cry. There is no need to add undue XXXX to what I am currently going through. The school is no longer open that I attended 20 years ago. I really need your help. Are you able to suggest a servicer who can help me? According to the US Dept. of Education, they can not give me much information. I have to wait for confirmation of my social before applying online through studentaid.gov for my loan consolidation. I have to pick a new servicer and would like to make the best decision possible for my situation. My current payment is {$190.00} due on the XX/XX/XXXX of every month and Navient has threatened to increase it to over {$400.00} by XXXX. Please advise.
Transunion charged me on my credit card for credit checking services that I did not request. 
The charges were as follows on my XXXX Credit Card XX/XX/XXXX for {$29.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, Total Card Credit Bill = {$160.00}. 

I discovered that my credit card had been charged in early XX/XX/XXXX. I called Transunion Company on XX/XX/XXXX. It was my understanding that Transunion would refund me for all of the above charges. Instead, Transunion refunded me for only {$19.00}. I contacted my credit card company which is XXXX XXXX. They refunded me for two months of charges. Therefore, the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX bills have been refunded to me ( 2 x XXXX by XXXX XXXX XXXX and {$19.00} by Tansunion ). 
I am requesting that the other charges for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be reversed and that I get a refund for the charges for a total of {$100.00}. 
I called Tranunion Company on XX/XX/XXXX in order to resolve the issue. I called Transunion ( Ph XXXX ) and spoke to an Employee/ Supervisor with the name of " XXXX XXXX '' He refused to give me his last name. He gave me the following reference number : XXXX. The company refused to credit me for the charges.
I notified equifax and all the credit card companies that are on my credit report via a business letter. It has been about 2 weeks and I have not gotten any letters in the mail or emails concerning my case.
I was checking my credit report just because i'm planning on purchasing a home some time soon. While checking my credit report i notice some items that are not my. This is unacceptable and kinda embarrassing. I need these items removed from my credit report. I contacted the FTC and my local police. I am doing this on my own behalf. I'm working on this on my own behalf. XXXX, XXXX XXXX. XXXX, XXXX. XXXX. XXXX XXXX, XXXX. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. There are also some inquiries on there that I know nothing about. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
I filed a dispute with Equifax in XX/XX/XXXX about collections on my file. My disputes where supposed to be complete in XX/XX/XXXX. I contacted Equifax at the end of XX/XX/XXXX and was told by four different representatives that the companies did not respond so everything would be removed. I called back the next day an was told they responded and were all verified. An, that by law they have forty five days to respond. I know that is not true. I asked how and when because it was well pass thirty days. An, was told the day before they would be removed because of no response. I asked what kind of validation did they send validating the accounts were mine. I was told they use XXXX XXXX to validate accounts. I contacted XXXX XXXX an was told that's not true. I redistribute again they said they were validated. I disputed them again XX/XX/XXXX for the third or fourth time. I called to check on a fax I sent to them an asked about my disputes and was told i have none because they weren't done right. So, they are sitting there closed. So, XX/XX/XXXX I redisputed them again. I keep getting different stories everytime I call. I've been a victim of fraud before so this is unsettling.