WillisBack/dataset-financial-user-claim huggingface dataset:
I received a notification from my mortgage company, LoanCare which stated that my mortgage payment was not made for the month of XX/XX/XXXX in the amount of {$570.00}. I was able to obtain the cancelled checks for the XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX which had sent the payment to the following address : XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX, PA XXXX It is clear to see on the back of check # XXXX on XX/XX/XXXX was deposited into a XXXX XXXX XXXX account. The back of check # XXXX on XX/XX/XXXX reflects the correct account of deposit as XXXX XXXX XXXX XXXX which signifies LoanCare XXXX XXXX. 
I forwarded copies of both of these cancelled checks to LoanCare on XX/XX/XXXX and was given a confirmation # XXXX hoping that LoanCare would rectify the problem. I called XXXX XXXX XXXX XXXX, which is a subsidiary of some sort of Loancare, which resulted in a recording informing me to log into my account at www.myloancare.com. 
I have gone to my bank and stopped the bi-monthly withdrawals from my checking account by XXXX XXXX.
I am signed up for XXXX credit monitoring, and received an alert that a new collection account has been added to my credit reports. I have attached a screenshot of this from my XXXX credit monitoring service. 

I never received any correspondence from Franklin Collection Service regarding this debt. If i would have received this information, I would have paid this debt immediately during the validation period so the account would not show on my credit report. 

I contacted Franklin Collection Service and asked to speak to a supervisor. The supervisor had an extremely standoffish and rude tone and told me to take it up with the post office because he said they did send me documentation. When I asked him to send me another copy of the documentation that they sent me, he said " too bad '' and to, again, take it up with my post office. 

Unfortunately I am rebuilding credit so I am aware of how these situations work. Franklin Collection Service never sent me the initial information and communication about them having this debt, and I never even knew about it until my credit monitoring service picked it up. 

I am requesting that this account be deleted from my credit reports due to Franklin Collection Service not following the proper procedure to communicate this debt to me. 

Please let me know if you need any additional information from me. I will be glad to assist in order to get this matter resolved.
XXXX2018 I have spoken to all three credit bureaus and was a recent victim of identity theft and have yet to have any communication with them on removing the inquiries this affect have caused me to be denied credit line increases and more Also credit bureaus have failed to update proper information on a vehicle that was paid off still reflects as if I owe on the car still
I called them and told them of my bankruptcy and they said they could not remove it. 
Az case # XXXX
Please be advised that all Responses can or will be use in a Federal Court. 
1. Dispute all unauthorized accounts. 
2. Asked TransUnion for all the documents they use to determine that all accounts were verified the still refuse. 
3. If they are going to Discredited my name I need physical verification with my wet ink pen Signature. 
4. This is my last are I will be seeking ligation.
I do not understand what or why I 've been filed with the following agency. I tried contacting them but I have to call during working hours Monday thru Friday. I ca n't because I 'm at work during those hours. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX *this number is wrong. The correct number is XXXX.
Since XX/XX/XXXX, I wanted to refi my mortgage, as I knew in XX/XX/XXXX, my Adjustable Rate mortgage would end, and I did n't know how the much the rates would be. I contacted Wells Fargo* ( my mtg. lender since XX/XX/XXXX ) and they told me they had no idea about the upcoming rates. Wells Fargo, never told me about the HARP loan, going into effect. In XX/XX/XXXX, *W.F.agreed to refi my loan. I had been paying around 8 %, but W.F. said they 'd give me a 6.75 % loan. I told them that rates were much lower, and they said I should take the 6.75 % rate, as they had no idea when the rates would change, and I 'd be lucky to get the high rate. I foolishly did so, and was never told about the HARP loan, that would lower my monthly payment, and would n't require an appraisal. I 'm now XXXX, retired, and would like the HARP loan, as I 've NEVER missed a payment, or been late on one. Also, I have a XXXX credit score. Surely, I deserve a lower rate & a HARP loan? Please help me.
CMRE Financial Services is, apparently, a collection agency. I received medical services and my insurance was billed. I received a bill for {$100.00} but knew that I was covered for it by insurance. I called the medical provider and they said to just wait, the insurance had been billed. The was the last I heard of it. I assumed that the medical provider had been paid as I never received another bill from them. Sometime later, ( 1 year or more ) I received a bill from CMRE for the same {$100.00}. I called and asked what it was about. They said that insurance had not paid and I was liable. They NEVER said that they were a collection agency. I thought they were a biller for the medical provider. I still believed that my insurance should have paid the {$100.00}, but felt that it would be faster & easier to just pay it. I did not want any derogatory information to appear on my credit report. Now, another year has passed, and it seems CMRE was/is a collection agency and the payment has affected my credit. I would never have just paid it, if I knew that. I would have gone directly to the medical provider and hashed it out with them and my insurance company. In short, I should not have a " collection '' account on my credit report as I was tricked into paying them in lieu of fighting the charge with the medical provider.
I am in a modification and currently making trial payments, however the bank is selling my house out from under me. I received a notification of a assignment of right to bid this week from the bank 's attorney that was filed in the XXXX XXXX courts system on XXXX. I just paid my XXXX payment and the bank is still pursuing a foreclosure sale. further research in the court system shows a pending sale with a closed bid on my property. this is dual tracking and illegal. I have proven that I can pay my mortgage and the bank has given me a payment plan that I am abiding by and they are accepting my payment.
I closed this account from XXXX almost a year ago. I paid off my equipment fee and last bill, and even called XXXX to verify it after I received a bill from them again. They told me they would call the local store and verify and never contacted me again. Furthermore, I have NEVER, I repeat, NEVER EVER received any form of communication from a debt collector concerning this debt. I am just now seeing this debt, thanks to XXXX XXXX, and it infuriates me that no debt collectors, nor XXXX XXXX, has tried to contact me to inform me of any such debts, although I paid them the day I closed my service with them. There should not even be a debt to begin with. Either way, I want this settled ASAP.
Chase sent me a letter stating my Home Equity payment is increasing by some 300 % from {$980.00} to {$2400.00} and to call to see if they can lower my payment. I have been a good customer never missing a payment for both the first mortgage I have with them as well as the Home Equity. When I called they said they needed {$500.00} from me before they could start the process to see if they could lower my new payment. I spoke with XXXX. He informed me that it looked like I could combine both loans into a new mortgage and therefore avoid the huge increase in the monthly payment but I had to pay the {$500.00} first. I find this a bit odd and am surprised with Chase 's behavior and appears may be some fraud going on at the bank to get {$500.00} from folks
I have received numerous calls from various telephone numbers, this company is now contacting my family as well. They left a voicemail stating " if we can not verify this information through you the law allows us to verify information with all references on file ''. 
Upon research it appears this company is a scam, they advise individuals they have a debt for a payday loan, I have never had a payday loan ever.
TD BANK DAMAGED [ MY ABILITY TO ] USE [ MY ] DEBIT CARD [ ACCOUNT ] BY OBSTRUCTING ACCESS AND TAKING MONEY ( IN ORDER TO INCONVENIENCE, TROUBLE, AND HARASS THE CUSTOMERS PEACE AND TRANQUILITY ). Your submission ( Case number XXXX )
XXXX XXXX is attempting to collect a debt that is not valid. XXXX is the original creditor and they do not provide the services as promised. I have spoken with my attorney and the next correspondence will be from him. I do not owe this debt and am ready to take legal action against both companies.
I went to XXXX XXXX and it has been closed due to predatory lending, unfulfilled guarantees and promises and fraudulent grade reporting to ensure higher graduation percentages. Deville Asset Management, LTD contacted me in XXXX. They said the loan was turned over to them for collections. When I tried to ask about the validity of the loan, they just verified that I went to XXXX and said I needed to pay it immediately or make a payment plan. I had been paying it directly to XXXX and they just stopped sending me anything in the mail in XXXX. I had read somewhere about the closing of the school in XXXX. That is when I applied for the loan forgiveness. I believe Deville bought the loan for pennies on the dollar and are expecting me to pay it without verification that I owe it. I also believe they are only interested in their profit, not the truth of whether I really owe. They look as predatory as XXXX does. I did not receive goods and services I paid for and feel I do not owe it. I need someone to remove it from my credit report or explain why I would have to pay the loan if my degree it was for is not any good to me now. XXXX has a guarantee that if a student is not in a degree-related job within six months of graduation that they will pay {$250.00} toward their monthly bills. I did not receive this service, hence unfulfilled guarantees. The number I have for XXXX does not work. It sounds like a voicemail recording, but I can not understand what it is saying. At the tone, I have left messages but no one calls me back. Please help me sort this out, as I am unable to get answers on my own. Thank you.
I paid in full my Chase mortgage on XX/XX/2016 with a refund for over payment on the mortgage which was allegedly mailed to me on XXXX XXXX. It is suppose to take 10 business days and it is still not here. I have made over 3 hours worth of calls 19 in total with no response. I was told I was not cooperating because I did not have a Chase checking account. Please get me my refund check as Chase does not respond.
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.     To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.     It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as : 1.  XXXX   XXXX   XXXX   #  XXXX  2.  XXXX   #  XXXX  3.  XXXX   XXXX   XXXX   #  XXXX , #  XXXX , #  XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please produce a copy of my signature or contract or delete account error.
4.  XXXX   XXXX   XXXX   #  XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please produce a copy of my signature or contract or delete account error.
5.  XXXX   XXXX   #  XXXX this account has no contract error please delete never done business with this company.
I have been trying to work with my lender, HFC for almost a year to get a modification. The reason I am filing a complaint is they give me contradictory updates when I call them to check the status of my mod. I last applied XX/XX/XXXX, and was told that my file had the necessary bank statements. XX/XX/XXXX I was told that my statement was missing a page. I asked to speak to a supervisor and they told me one would call me back. It has been 7 business days and I never received a call. This is just the latest action they have taken to keep from reviewing my file for a modification. They continuously tell me documents are received and complete, and then change the story weeks or a month later. They never acknowledge the previous info I was given and instead tell me that it 's simple to just send the info again. But without honest communication from them, that is impossible. I would like them to know that I have filed a complaint so they will hopefully treat me and my situation with more respect. I am doing everything I can to work with them, but they seem unwilling to work with me, but never say that to me.
I asked XXXX, XXXX, equifax to validate and delete this inaccurate information and the information was never sent to me and this negative inaccurate information is impacting my credit scores i asked for this XX/XX/2018 for the public record bankruptcy and a closed credit card account and inquiries to be deleted. Because of inaccuracies.
XXXX, EXPERIAN, XXXX All 3 credit reporting agencies are not providing easy ways to manage credit freeze thaw process : websites not working phone in systems not working or no phone number provided to call
I contacted portfolio recovery associates llc to have them validate an unknown credit collection account ( XXXX XXXX XXXX XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor
I contacted Equifax XX/XX/XXXX to dispute a false account information on my credit report with them. They did n't remove the information even though the proof I submitted reflected a credit/check for the balance on my account. The only account valid is starting with XXXX which was opened XX/XX/XXXX. How can I have XXXX accounts open at the same time for XXXX address? I only had FIOS internet and home phone service. I never had a cellphone plan or any other services with the company. I do n't believe Equifax is recognizing Identity Theft and wo n't state why they wo n't remove this incorrect information on my credit report. It is not valid at all and documents attach shows I do n't owe XXXX any money and my balance is XXXX.
I have looked at my credit score and transunion and XXXX have hard inquiries on my credit file from XXXX 2017 until XXXX 2017 that I do not recognize and I have called to get them off and they have given me the run around. And I am upset and tired of dealing with the issues they are causing for me. I want every hard/soft inquiry off my credit report. Its there fault and they need to fix it ASAP. Thanks for your help
This debt references an amount owed to XXXX that is completely false. Payments were made to XXXX prior to ending that relationship and starting service with another provider.
i applied for a Bank Of America credit card to earn promotional XXXX XXXX flyer miles. the card came and the interest rate was outrageous compared to my good credit score. i immediately contact BOA to cancel. now 7 months later and 3 additional requests to cancel this card, it is still active on all of my credit reports.
Good Afternoon, I filed a credit card dispute with Citi for the purchase of a car where the company ( XXXX ) holds a portion of {$4000.00} before purchasing the car. The car was not purchased and was still charged the amount. There is no phone number or contact us on their website, nor did they have any kind of notification of a return / arbitration policy. After searching the business through a few review sites, I found another reviewer who had the same problem but had it resolved in his favor. A simple search of " XXXX reviews '' on XXXX will find a 2.5 review on XXXX, and another " My ( miserable ) experience with XXXX XXXX XXXX ''. After doing this research, I found that they have a very bad track history with zero communication and service. They will not reply through email, nor will they answer the phone. They have taken my money and left! This has been extremely stressful and I sincerely hope this could be resolved. When I filed my dispute, Citi reversed the credit and told me " good luck '' after XXXX said they do not do returns. There is nothing to return if I did not receive anything! I thought Citi was on my side.

Regards, - Hopeful Consumer
I was a victim of ID theft approx XXXX years ago and the key perpetrator was caught and convicted, yet there were other instances where my ssn and/or my name became associated with another individual. The most recent example was when attempting to confirm my identity to access my XXXX XXXX account, they used a XXXX product from Lexis-Nexis to try to validate my identity. Lexis-Nexis asked that I confirm city of residence of someone that I have never met and proceeded to deny my access because I declared that I did not know this individual when their records indicated that I should. I looked at available options to correct the data Lexis-Nexus maintains, but only options offered is a copy of a report that I already know has inaccurate data, which even for this requires much too much effort on my part to access my own information that they sell to others for a fee. 

While I can not proactively scan the world to see where else data on me is not correct ( e.g. when opening an account with XXXX Bank XXXX weeks ago their system showed my ssn associated with someone else ), when I find specific examples I need assistance to remedy. 

Please advise, anxious to clear up issues wherever I can. 

Thank you
Thank you CFPB for assisting me in resolving this matter. To again summarize there is an account showing on my personal credit report from XXXX/XXXX for {$1500.00}. The unverified account from XXXX/XXXX showing a charge off of {$1500.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt- which illegal and outside the statue of limitations to collect on. I had previously disputed this account. I have never done business with XXXX/XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX/XXXX 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 XXXX/XXXXCease and Desist all further communications and collection actives and provide the verification of the purported debt.
I was told by Wells Fargo Representatives on XX/XX/XXXX that I signed up for Overdraft Services during XX/XX/XXXX, but the company cant tell me when exactly I signed up and I don't recall I gave authorization for this service. 

Removed overdraft 'services ' from account XX/XX/XXXX.
I have been trying to dispute this debt on my credit report from a company called XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX, I have called the number to inform them that this is a fraudulent account but their number is disconnected. These people do n't answer. I have been trying to dispute this with Equifax but Equifax claims to have verified this debt as mine which i do n't see how they verified this. I was never notified of this debt that has been on my credit report in writing or by mail. I have asked Equifax to provide me how they verified this and they can tell me it 's done electronically. I do n't even know what this is and never had an account with this company. I have been trying to dispute this online and Equifax states that i can only do this over the phone and they stated i cant request of my credit report online indefinitely. I have tried to order my report and the system never allows me to order it. I have provided proof of my identity to them over a dozen of times since they keep asking for it. I have provided my XXXX drivers license, my social security card and a utility bill as well. Equifax refuses to let me monitor my credit online ever. They are well aware that i was a victim of identity theft and i have placed a security freeze and a fraud alert as well yet they refuse to address this fraudulent account. I have highlighted the account in yellow.
I have two store credit cards with XXXX XXXX, and due to unforeseen circumstances have fallen behind on my payments-only 30 days. After repeated harassment from the Bank I have blocked their phone numbers on my phone. Now, a third party debt collector has began calling my mother on their behalf, whom is not at all associated with my debts to the Bank and whose phone number is not and has not ever been listed on my accounts with the Bank. Ive advised her to block the numbers, but they call her multiple times a day from several varied phone numbers.
Enclosed are detailed transactions for my Infiniti Financial Services account for XX/XX/XXXX. 
Please see the enclosed IFS statement for XX/XX/XXXX. My due date was XX/XX/XXXX and my account was paid on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XXXX. Therefore my bill was not late and please updates all credit reports with this information.
Received a debt collection notice via mail on XX/XX/2018. Company that supposedly purchased the debt ( {$1800.00} ) is XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Ga. XXXX. The current creditor is shown as XXXX XXXX XXXX XXXX, XXXX which is also located at the above address. Have called XXXX several times with no answer or response. Original debt was supposedly XXXX XXXX, a company that does XXXX  work and was closed and later bankrupt due to medicare fraud and other bribery issues. Have never heard of any of these companies and am 100 % sure that I would have no need for the services that XXXX XXXX provides. This appears to be a scam. I have attached the mailing for your use. Thanks.