WillisBack/dataset-financial-user-claim huggingface dataset:
In regards to collections from XXXX XXXX XXXX, I have sent in several complaints in regards to this same debt that has changed hands numerous times with incorrect information. The original debtor was XXXX changed to XXXX transferred to several other collection agencies now with XXXX XXXX XXXX. This was a XXXX 's card, XXXX 's sold to XXXX XXXX. XXXX 's sent me defective merchandise and when their workers came to pick up, they left merchandise ( mattresses ) on the curb outside my apartment building in XXXX, which is against the law in XXXX. I contacted XXXX 's as I had to pay {$500.00} to immediately have removed myself, as well as issues with refund to my card due to their drivers not bringing back merchandise. Ultimately, XXXX 's corporate stated the matter was corrected and my account was current and I asked for it to be closed. Apparently, this was not communicated to XXXX later XXXX and once transferred collections started. I have repeatedly asked for itemized bills from all parties and no one will send out to me. I reported all my credit cards stolen in XX/XX/XXXX and sent police report to all my credit card companies etc, which is still being reflected on my credit reports by XXXX on other accounts. However, XXXX XXXX XXXX is not only reporting me as owing {$2400.00} but stated that I made a purchase in XX/XX/XXXX, when even XXXX sent letter via CFPB stating that last purchase was XX/XX/XXXX. Also, XXXX XXXX XXXX is reporting on XXXX that I made a payment in XX/XX/XXXX, which is absolutely false. I do not owe anything on this matter and I again ask for itemized bill so that I may determine what they are trying to state that I owe. XXXX XXXX XXXX stated that they do not have an itemized bill and I have to contact the store to obtain one. What store am I supposed to contact if I have no idea what the charges are.
File Number : XXXX I have a a unverified accounts from the following : COMENITY CAPITAL/HSN # XXXX Please Delete no record found. 
SPRINGLEAF # XXXX The account not verified please delete. 
XXXX. XXXX This account is a XXXX violation please delete. 
XXXX XXXX, # XXXX, # XXXX XXXX accounts has never been verified error please delete. 
XXXX # XXXX Never done busines with this company please delete. 



XXXX - XXXX XXXX {$2200.00}. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
XXXX had put me on collection for the amount of {$480.00}, in which I called to canceled the services prior moving back in 2011. Paying last month of service and was told that I do not owe anything. Now the account is in collection for quite sometime now.
Lustig, Glaser & Wilson have not verified that I owe the debt. I sent out a letter to Lustig, Glaser and Wilson to verify that I owe the debt but they did not respond.They are not even listed on my credit report, however XXXX XXXX is who also is not giving me any information for the debt in question. I am now being sued by Lustig Glaser Wilson for this debt.
CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX, XXXX, XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRAL FINL CONTROL or any company associate with this account # XXXX, XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX
This dispute is in regards to a collection on my report from XXXX that should have been deleted from my credit reports. The had a collection placed on my report for a XXXX bill at a location I never lived at nor had service. I put in a complaint with CFPB on XX/XX/XXXX for which a response was given on XX/XX/XXXX that stated " The file shows paid in full and has also been recalled to the client and deletion has been ordered after the file was recalled. '' XXXX also stated, " we did recall the file and deleted the credit reporting as requested by the client. '' My case number with the CFPB is XXXX. Please have this collection removed from my report.
I made a reservation at a resort for ten nights in a " lagoon view '' suite and paid for it with my Chase Sapphire Preferred credit card. When I arrived and checked in, I found out that the room I had been given had XXXX twin beds and I requested a king bed. They told me there were no other rooms available that night but that the following day one room would become available which had a king bed. The hotel staff advised me that this room was on the first floor and I checked with them twice to make sure that it was the same category of room, and they confirmed that it was. It turned out that the room to which I was transferred did not have any view whatsoever of a lagoon, just the opposing building and some trees. I tried to resolve the issue with the merchant through XXXX different channels ( XXXX online, XXXX in person ), as well as posting a review online concerning the issue. The merchant did not respond at all to any of the online communications, and the person I spoke with at the resort said something like " that 's just how we categorize the rooms, lagoon and ocean view '', referring to the XXXX sides of the building, as if there was no problem with falsely advertising the room to have a view that it did not have. 

I subsequently took up the issue with Chase, providing them with a description of what had happened. First they incorrectly " investigated '' a different charge, and then they requested additional documentation from me, which I provided. Eventually, I spoke with a member of the credit card 's dispute department who claimed that because I had not left the hotel premises for the duration of the stay, that Chase would provide no remediation, even though the room description did not match the room I received and the merchant had not been responsive to repeated attempts to resolve the issue. The representative confirmed as accurate my understanding of their claim which was that, as long as I did not physically leave the hotel for the entire 10 nights, it did n't matter whatsoever what the hotel did or did n't do -- no billing adjustment would be provided by Chase. It is my understanding that this policy violates the Fair Credit Billing Act, which is supposed to protect a consumer from " charges for goods and services you did n't accept or that were n't delivered as agreed. '' Among the documentation I had provided to Chase for the dispute investigation were XXXX photos of the room 's ( lack of ) view, the original booking confirmation which explicitly states that it was a reservation for a lagoon view suite , and excerpts from the hotel 's website describing the wonderful views that are supposedly part of this room category. This establishes quite clearly what service was agreed to ( a " lagoon view '' suite ) and what service was received ( a " not lagoon view '' suite ).
While looking for a mortgage lender, Quicken Loans customer service agents stated numerous times via email, voice, and online communications that they would be able to accept semi-monthly payments ( XXXX payments a month ) and suggested that those payments would be applied immediately. After obtaining my loan and making semi-monthly payments I noticed that Quicken Loans would wait until the second payment is received before applying the payments. After a reply from QL via XXXX, they notified me that mortgage interest is paid in arrears. Although this is not a common term ( try XXXX it ) and is not normally used with mortgages, it means that the half payments would make no difference. 
1 ) Quicken Loans mislead me on several occasions to believe they would accept and apply payments immediately. ( email available ) 2 ) Quicken Loans does not easily disclose how their mortgage interest is calculated. ( try searching " arrears '' and " quicken loans '' ) 3 ) Knowing this, I would not have went with Quicken Loans.
On my credit report it says I owe XXXX medical bills which I know for sure I do n't because I 've always had medicaid. Plus I 'm not understanding how XXXX bills are the same amount.
I have a XXXX mortgage with WELLS FARGO. They are trying to steal my home. They are not reporting my full payments. They keep denying me a loan modification the XXXX they tried to give me was not lowering my monthly payments but raising it. They would not consider the XXXX program. 
My mortgage is bundled and sold as a MORTGAGE BACK SECURITY. I worked hard to get my family a home it may not be much to most people, but to me and my family it is our AMERICAN DREAM. I teach my boys if you work had and do good you will be blessed. PLEASE DO N'T LET WELLS FARGO TAKE MY HOME FROM MY FAMILY AND MYSELF. THEY KEEP ASKING ME FOR THE SAME PAPERS OVER AND OVER AGAIN, ONLY TO DENY ME, THIS IS WRONG. PAPERS WERE ROBO SIGNED AND FORGED. Wells Fargo never intended to give me a modification. They are working against me and denying me many of my rights
Wells Fargo employees withdraw funds from account to purchase personal items. when funds were deposited into account for loan payment, the balance did not decrease for several months. After receiving notification for payment not being paid, I personally went and discuss to employees that why are different Wells Fargo branches sending no payment notifications. They said not to worry everything is taken care of.
Nationstar Mortgage LLC. is attempting to foreclose on my home using falsified documents. I will be attaching two Assignment of Mortgage documents which show fraud in the form of conflicting dates and locations. 
The first Assignment of Mortgage to XXXX, took place on XX/XX/XXXX in the state of XXXX. This Assignment of Mortgage was never filed at my local courthouse. The second assignment of Mortgage took place on XX/XX/XXXX in the state of XXXX. These conflicting Assignments substantiate the complaints which I have filed with CFPB previously, proving that XXXX did not follow the proper chain of title when the Assignment of Mortgage took place.
My debit card was skimmed somewhere in XXXX Florida, I had contacted the bank when I noticed the activity, but they were quick to only take 3 of the charges, I had to complain and have them do the rest of them, now in mean time i overhear the same thing with a neighbor how there card has been used and it was also still in her purse, so we both got talking and come to find out a machine at the bank had a skimmer on it, which allowed them to obtain our information, the bank refused to give my money back and has taken off the contact option online for me to deal with them, under my aggreement they are liable for that and the other claims and yet are very quick to deny any fault, but when two months before I hit the wrong pin code they locked my card and gave me nothing but a hastle, and also at that time i changed my address which they did not do as well all this activity was not my spending habits, and they said that they do not have to contact me for anything and declined to pay my money back, this is unjust Bank of America is really bullying everyone
When I was trying to get my mortgage modified they told me that I '' would n't get a modification unless I was three months behind and that they could not except partial payments, but I continued with filling out the paperwork anyway. I was then told that I might want to stop making payments. I submitted the paperwork and they took 7 months to review it and denied me a modification.We were devastated, then I hired XXXX 's for {$3000.00} and a few months later we recieved our loan modification. What we did n't realize is that we would still be on the hook for the arrears, so it 's like we did n't pay anything for all the years prior to the modification. ( XXXX original loan amount, current balance is {$120000.00} plus the arrears of XXXX = {$140000.00} ) Our loan was originated on XX/XX/2007 with payments of {$1500.00} /month until we recieved the loan mod. Now they giving us monthly statements with the XXXX mortgage amount added to the modified amount which makes the monthly payment say more that it is. ( Please see attached ) I talked to a " XXXX '' and I asked the to put the to numbers separate and they refused to do so. This is concerning because it will make it impossible to get our PMI removed ( $ XXXX/month ), they could be charging interest on the the arrears, and it makes the monthly payment more. Please see what you can do they are NOT practicing fair business, it 's more like predatory lending. Thank you, XXXX XXXX
navient been with them since XX/XX/2011 being over charged & intrest put on my loans over charging
I was turned down for a loan, because my credit report shows a collection filed by CACH LLC, Showing XXXX ITS A as the original creditor. It shows the account opened XX/XX/XXXX. I have never had an account with XXXX and have been unable to speak to anyone at CACH Regarding this account, because I am put on hold for inordinate amounts of time, and never get to speak to a live person. Its interesting to me that an account could even have been open with XXXX Bank XX/XX/XXXX, considering that XXXX stopped operations XX/XX/XXXX. I can not get live person by phone to verify the debt with CACH LLC, and XXXX Bank tells me they do not have access to the records.
I called the transunion credit bureau using the phone they gave me XXXX as of XX/XX/XXXX16. It is not a working number. see photo herein. Transunion listed my request for a my free annual report as a credit card application on my credit report listing it as " factact free disclosure '' .Further they listed " commonwealth financial '' as a application for credit from me. 
further they listed " XXXX '' as an attempt by me to hire a credit enhancement company. These inquiries should be deleted because I did not apply for these services and they should not be listed as inquiries on my credit report.
I recently got calls from 2 credit card companies, one from XXXX, the other XXXX XXXX XXXX XXXX, that I have applied credit card which I did not. I was confident that someone is applying the card on my name. I started to visit 3 major credit company websites ( XXXX, XXXX, Transunion ) to place credit freeze on, only to find out that there's obvious way to just freeze my credit. instead I am directed to buy their $ XXXX {$30.00} per month protection bundle services individually. I know that my credit information is compromised due to XXXX data leak in XX/XX/2017 and I was able to put credit freeze on this for free at least, but the rest of the other bureaus are trying to capitalize on the information leak from other bu
Equifax has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.
My wife and I had to file for bankruptcy Chapter XXXX in XXXX as primary physicians it was simply impossible to survive- we have now reliable good paying jobs- have incurred no additional loans ( except a XXXX/ and a XXXXlimitcredit card besides our mortgage ) For 3 years of the five year plan- it i well documented by the XXXX XXXX XXXX that we have been paying into XXXX and Texas XXXX School Loans- until dismisssal of our Chapter XXXX XXXX We then paid a payment to XXXX and to XXXX in XXXX XXXX presented a payment plan with at least XXXX different payment addresses- with a higher balance that the trustee reported + a XXXX penalty/late fee! The Department XXXX list the balance owed as XXXX when the Chapter XXXX trustee list the balance as of XXXX as XXXX.Then Navient started sending emails about nonrepayment of XXXX since XXXX XXXX with also a higher balance that the trustee reported- as if we 've made no payments at all! The XXXX loan at the beginning of bankruptcy filing wasXXXXXXXXXXXX and at the end of bankruptcy XXXX it was XXXX, XXXX! Navient lists the balance owed as XXXX. How did this happen? The totals are off by XXXX dollars and XXXX reports this as a NEGATIVE- we ca n't even begin to get an electric company loan to fix our heating and find a car for work! We have not saved enough for our children 's college and dread that they will be caught in this same quagmire. We are honest paying professionals and have been pummeledby government XXXX XXXX restrictions that make it utterly distressing to have to deal with constant justification for the work we do only to get pitiful reimbursements. All we want is for both Texas XXXX and XXXX loan totals to coincide with the Chapter XXXX trustee reports and get credit for all the payments we made the last 3 years- and have a reliable address ( es ) to send payments to. Stop all this penalty fees while we 're sorting these out ( we had not got any credit for the payments we made in XXXX XXXX! ). Stop Navient from reporting to credit bureaus that we are delinquent when we are not!
OK, I get this letter from a collection agency for {$630.00} for a college in Arizona ... I have never even thought about them or their college, my public records will show i have lived in XXXX, Ohio for my entire life ... and i called/yelled at them, yes, because they threatened to report it to the credit bureaus, n it's not even real, and i was hot, i have kept my score good all these years n here come these wackos telling me i owe a bill that i know doesn't/could n't exist ... so i studied online n i did my legal thing i disputed it certified mail with return receipt, which i got back, so i know they received it ... so within 30 days i wanted something/anything ... so i could fight that too, but in 30 days they sent me a SINCE WE HAVEN'T HEARD FROM YOU letter n i called n cussed out that lady n they just sent another ... they are harassing me, it's not real, n since then i have received a notice that my car whatever was expiring ... i do XXXX XXXX don't even have a license for 15 years, and it's from the same state so i figure they are harassing me more, i want them to leave me alone, i don't owe anything in collection, im all up to date, and i'd like to take legal action, because this is disgusting ... i went and scanned /usb 'd my docs so you can see for yourself, and thank you for listening, i want to cuss so bad ... XXXX
Within two weeks I have heard from KeyBank with so many issues for my accounts. First, I received a letter that an account was opened in my name and called to inquire. She stated that it was closed the same day the letter says it was opened. Then I get a call from the fraud department that an online banking account was made and bills were paid, she inactivated the account but a week later I get mail welcoming me to online banking and reminding me of the offers that were presented when I set up the account. Today I received a letter stating that I have an account with a XXXX balance and so they are closing it and reporting it to the credit bureau. Not an account number I even have or know of!
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX XXXX sent me a letter stating that they are no longer collecting on this debt and it will be deleted from all credit reporting agencies. Please see attached letter as proof.
This is regarding Citi Bank XXXX. 

On XX/XX/XXXX Citi bank agent told me that there was a promotion offer for {$500.00} if I open a saving account {$25000.00} with new money and keep a total of {$50000.00} in my account for only 3 months. I opened the savings account and kept the conditions as they told me, but did not receive the {$500.00} after 3 months. 

On XX/XX/XXXX I called Citi bank priority customer service regarding this issue and asked if I qualify to receive {$500.00}. The agent informed me that I do qualify for the promotion offer. The agent informed me that even if I close my saving account and transfer the money to my checking, I would still qualify for the promotion offer. The agent then proceeded to close my saving account and transfer the money to my checking account. 

A few days passed and I still did not receive the {$500.00} promotion offer as promised by Citi bank. When I requested it again, I received a letter stating that I can not receive the offer because I closed the savings account. 

This is not rightful action taken by Citi Bank. I was deceived and given incorrect information. I followed the conditions stated by Citi Bank employee. I brought {$25000.00} and opened a savings account and kept a {$50000.00} balance for 3 months. I even verified with the bank prior to requesting to close my savings account, in which the agent stated I would still qualify for the offer if I closed my saving account. 

The bank should pay right after the 3 month promotion period. I waited for 4 months then closed the account because the Citi bank employee told me it was okay. 

When I participated in offer, Citi bank employee told me I only needed to keep the account open for 3 months. She did not tell me that I needed to keep the account open. The customer service agent also confirmed that I did not need to keep the account open. 
If the savings account needs to remain open to get promotion offer, that is not a 3 month condition. 

This is a mistake by Citi Bank and they should give me the {$500.00} promotion offer as promised. The employees at Citi Bank should be well informed about their services in order to prevent giving their clients wrong information and from losing money.