WillisBack/dataset-financial-user-claim huggingface dataset:
The creditor I owe ( XXXX XXXX XXXX XXXX XXXX. ) was called prior to charge off and told to cease and desist all phone calls but it was made very clear that I wanted letters. It was also made very clear that on both accounts the cease and desist must follow the account when it charges off. on approximately XX/XX/XXXX I called the law office of XXXX XXXX XXXX I talked to the collection department XXXX XXXX XXXX XXXX XXXX explained that my wife took very il and will not be able to work for some time that's why the accounts were not being paid. I offered to make a very small monthly payment of XXXX a month on each account he told me " there is no way he will agree to terms like that " He placed me on hold came back to the phone and stated " if I have any request send them in writing " then he hung up on me. My complaint is that I never was given the opportunity to dispute the validity of the debts ( the amount owed ). IN the beginning og XX/XX/XXXX I called again I was transferred to the department that handles my accounts when they realized it was me they immediately hung up on me. CLEARLY MY RIGHTS HAVE BEEN VIOLATED. I DID SEND IN WRITTING A REQUEST FOR VALADATION OF THE DEBT 'S NO ONE HAS SENT IN ANY VALADATION! I wish the CFPB would pull the tape recording for all my calls then you will see that I speak the truth.
I applied for a job and they sen me a check to be cashed and become   XXXX   XXXX   XXXX  . I had no idea that this company was fraudulent and that eventually the check would turn out to be a fake, due to the fact that Chase Bank cashed the check and allowed me to make withdrawals. I was a victim of fraud and it costed me my bank credibility. I filed Chapter  XXXX  Bankruptcy in hopes of clearing up the matter and that someday I could again obtain a regular checking account. I am in need of a clearance so that I can have my  Retirement  Check directly deposit to a reputable bank. I cleared up any old debts that I had and still can not obtain a decent clearance from  XXXX . My regular Credit Report scores have gone up and I have few debts. I even took care of all of  my Student  Loans. I filed Bankruptcy  for Chase ,   XXXX    XXXX   XXXX  even though I was the victim of fraud ; I got nothing out of it except loss.
Regrading this account CONN CREDIT CORP XXXX. I believe that I may had been 28 days in XX/XX/2018 but not 30 days late. In regards to XXXXL XXXX XXXX. I believe that I may had been late 55 days in XX/XX/2018. Not 60 days late. Also to XXXX XXXX. I may have been 29 days late in XX/XX/2018 not 30 days late. The FCRA Law require everything on your credit report to be accurate, valid and complete. This late payment is incorrect and should not be reporting on my Credit Report.
This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation of HIPAA as well as the Fair Credit Reporting Act.     After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Credit Bureau  Systems Inc.      Additionally, I am allowed under the Health Insurance Portability and Accountability Act (  HIPAA )  to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that th e HIPAA d oes allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Credit Bureau  System Inc need s to send this information to me for review, accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be  HIPAA com pliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Dates :  XXXX  amount {$170.00}  XXXX / XXXX /  XXXX   amount {$860.00}  XXXX / XXXX /  XXXX   amount {$130.00}  XXXX / XXXX /  XXXX   amount {$130.00}
on XX/XX/XXXX National Credit systems responded to my proof of validation letter by sending be a packet and my signature has been forged. I sent a letter back stating that it is my signature is not the signature on the paperwork that they sent me. I also sent proof of my signature via drivers license and other signed documents. NCS ignored my letter. I called them several times to ask who signed my name on the paper and the represent ivies that they transfer to me will start to yell. I Sent another letter asking for validation of the signature and validation of the contract, They sent back they same exact packet that they sent before dated XX/XX/XXXX. This is not my signature and also not a valid contract. A Contract must show valid signatures of the parties to the Contract instrument, in order to verify its validity in law. Contract must be a deliberate and conscious agreement made between competent parties. there is only one signature on this " so called '' contract. Also, the lease expired on XX/XX/XXXX I then went on a month to month lease with the company and worked for rent. This paper that NCS sent me states that the reason that I moved out was because I no longer worked for rent. NCS must prove that I owe XXXX to them or any company that they are representing.
To who this may concern, XXXX/XXXX/XXXX My name is XXXX XXXX, I have contacted your company before due to our mortgage company not following guidelines about our modification. XXXX bank seems to have done it again, and refused our payments and according to the FHA guidelines if we live within a XXXX miles radius of one of their offices the company is to send an agent for a sit down conference, this never happened and we live within a XXXX mile radius of a branch in XXXX Michigan. Instead we had our payments refused on and off since XX/XX/XXXX, then XX/XX/XXXX, refused again in XX/XX/XXXX and then accept it again XX/XX/XXXX, and then refused the entire rest of XX/XX/XXXX only to have the payment accepted again XX/XX/XXXX. Our mortgage was then sold to Planet Home Lending who is a debt collection company and has also refused our payments from XX/XX/XXXX all the way up until XX/XX/XXXX and we were told they were attempting to collect a debt we would not have had if XXXX had just accepted the payments and followed the guidelines they were required to by law, Planet Home Lending then did a trial modification for 3 months, XX/XX/XXXX to XX/XX/XXXX. When that was done our payment in XX/XX/XXXX was refused, when asked why this happened, I was told by XXXX XXXX the modification was accepted, we then received permanent modification papers to be returned no later than XX/XX/XXXX with the first payment, which was n't due til XX/XX/XXXX, however we are also being charged and additional {$5100.00} for legal and attorney 's fees. I do not believe we are responsible for all this, due to the fact we made our payments on time and monthly, the payments were refused. We are now responsible for extra fees we did not cause and we have been placed with a debt collection company for a debt we did not accrue. I have all the documents to prove we made our payments and we even had to hire an attorney to explain why this was happening. I am at my wits end our payments have increased over {$100.00} a month, and we were not in the wrong or at fault for this to happen, how can a company cause this kind of issues and get away with it? 

Thank you for your time, XXXX XXXX
XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XX/XX/XXXX & included in Judge 's discharge. Correct. XXXX buys mortgage in XX/XX/XXXXand also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date ofXX/XX/XXXX where there involvement did n't start until XX/XX/XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & XXXX accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake XXXX refuses to correct.
Credit card issuer - XXXX XXXX, have reported incorrect credit history for at least 2 years. I worked, by telephone with a rep. on XX/XX/XXXX to confirm inacuracies in the credit history. The results are : XXXX last numbers of account : XXXX XXXX "XX/XX/XXXX{$450.00} received '' "XX/XX/XXXX {$150.00} received '' " XX/XX/XXXX{$130.00} '' " XX/XX/XXXX {$120.00} '' " Partial by {$3.00} short '' " No payment received in XXXX '' " XX/XX/XXXX {$300.00} '' " Good '' " XXXX min. '' " No payment received in XXXX '' " No payment received XXXX '' " XX/XX/XXXX {$49.00} '' " Partial '' " Hardship program started XX/XX/XXXX '' " I can not see amount agreed program because it was charged off '' Experian gave me a copy of my credit report on XX/XX/XXXX ( Report numbeXXXX XXXX ) On this report, XXXX XXXX reported to Experian : " 30 days past due '' -XX/XX/XXXX " 30 days past due '' -XX/XX/XXXX " 60 days past due '' -XX/XX/XXXX" 30 days past due '' -XX/XX/XXXX " 60 days past due '' -XX/XX/XXXX " 120 days past due ''XX/XX/XXXX " 150 days past due '' -XX/XX/XXXX " 180 days past due '' -XX/XX/XXXX
Wells Fargo add XXXX {$35.00} overdraft fees the same day I had a direct deposit in my checking account. In addition they add {$12.00} fee for moving money from my saving to checking account. This is in sane and worst than the shark loans.
I had a mortgage with Bank of Albuquerque and after paying it off, paid in full XX/XX/2017, they reached into my bank account and took more money from my account ( XX/XX/2017 ). They were in no way entitled to this money and as such this constitutes a theft from my account.
XXXX Report per privacy guard XXXX card # XXXX Limit of {$7900.00} This is acount is being reported wrong and illegaly per the FCRA and XXXX XXXX reporting compliance mandates. 

This alleged Charge off debt shall not carry a balance or High limit which is injurous to my credit score.  and incomplete account number. Per FCRA all information reported shall be reported 100 % accurate or must be deleted. 

XXXX XXXX XXXX account # XXXX alleged collections account showing a balance of {$1300.00}. Which is again is being reported incorrectly and illegaly per the FCRA and XXXX XXXX reporting compliance standards.
I HAVE A XXXX XXXX CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME XXXX XXXX WILL ADVANCE YOU TO A XXXX CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE XXXX CARD W/ {$500.00} LIMIT. UNFORTUNALEY IN XX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018. I IMMEDIATLEY CONTACTED XXXX XXXX  TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. XXXX XXXX STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' XXXX XXXX KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.
I have spoken to XXXX XXXX, XXXX, experian and XXXX multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the XXXX   credit card off of my credit report permanently, which never happened. It keeps getting reinserted by XXXX credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent XXXX  credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of discover doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like XXXX told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC report.
I started the loan modification in XX/XX/XXXX, theyve misplaced several documents, asking for documents 2 or 3 times. I had to complete the application 2 times now, the underwriter seems not to understand self employment. There is still no decision. 15 years ago we were victims to Predatory lending. Weve made every payment and not decided to short sale or foreclose. But the interest on the mortgage keeps going up, which we cant afford. And now principal will become due in XX/XX/XXXX. Were just asking for the interest to be frozen for a few years until our house is worth what we paid for it.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX, Equifax XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. Cable Bill? XXXX XXXX XXXX   Account # XXXX 2.Phone Bill? XXXX XXXX XXXX Account # XXXX 3.Medical Data XXXX XXXX XXXX XXXX , Account # XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX Social Security Number
On XX/XX/XXXX, I emailed Chase ( at provided address : XXXXXXXXXXXX ) to request reopen the dispute claim ID # XXXX for the transaction done on XX/XX/XXXX. Then Id called in several times to follow up and I always got advice that my request had been processing and I would be contacted if any further information needed. Also, on XX/XX/XXXX, I got a letter which dated on XX/XX/XXXX, confirmed that my request had been processing and well contact you if we need more information to dispute the charges. ( Please see attachment for details ). 
However, on XX/XX/XXXX, I called in again because no-one contacted me and now I got advice from Supervisor named XXXX XXXX XXXX that the disputed claim had been closed because there were no supported documents and if I wished to re-open the above dispute claim, I could email the supported documents with the narrative to request for re-opening which I did on XX/XX/XXXX. Additionally, on XX/XX/XXXX, I received the letter ( please see the attachment for details ), which dated on XX/XX/XXXX, stated the above dispute claim were denied with the reason : a significant amount of time has passed since the date of the charge. Despite our efforts, the merchant is not willing to credit your amount. The merchant is not required to credit your account because the charge took place too long ago. Then I called Chase Customer service, I got advice that the timeline allows for a transaction dispute is 3 billing cycles while the original transaction were on XX/XX/XXXX and my first requests for reopen the dispute claim were on XX/XX/XXXX, both were less than 60 days. Thus, the denial of crediting me {$6000.00} for the transaction on XX/XX/XXXX was not reasonable and not compliance with Chase dispute guideline. Even though I emailed Chase on XX/XX/XXXX to request for re-opening the above claim, but I also would like to send this letter to your department to ask for your attention because I want to make sure the request to be taken care properly and asking for expediting on the process of my request because I have been waiting for more than 30 days.
I have for the last XXXXXXXX years been billed for credit monitoring thru transunion and XXXX. The amount billed to me monthly is XXXX. The score reported thru transunion and XXXX has never matched the score reported to financial institutions when I applied for a loan and they pull their own report. This makes absolutely no sense. If I am told I have XXXX credit score and everyone publically states on websites and commercials " know your score '' then why is the score they tell me I have under the repirt they give me any different from the report these XXXX credit services give to lenders? 

Exactly how many credit scores does a person have? 

This is rediculous and not explained to me by the reporting agency or lenders at all. 

What was the point of paying for this if the information isnt the same? 

XXXX score should mean exactly that. 

And these companies control the info as to who gets a loan and at what rate because of the scores they generate. Apparantly different depending on who is asking for it ... its utterly confusing and misleading and rediculous. XXXX credit score should mean XXXX credit score period. 

I cancelled my transunion subscription tonight only to be told by the transunion rep that it wont be cancelled until another 10 days from now??? And it took me 10 mins of saying no to various " can we keep you for this reduced price or other service '' questions not to mention talking down to me that I will lose a life lock monitoring service if I leave them .... ummm ok done means done and cancel means now not 10 days later. 

Paid for nothing in my opinion. Complete waste of time and money. 

And the reporting of different scores depending on if you are an individual vs a lender is completely misleading, confusing and upsetting! XXXX score should mean exactly that. This whole system needs a review and makeover!
Our mortgage was transferred from greentree mortgage to ditech. Our mortgage payment is made every month on time thru my bill pay from my bank account. Starting XX/XX/2016 we keep receiving statements showing them not receiving the payments. I have contacted ditech several times trying to straighten this out. I was told the payment was applied to my escrow account and they could not explain why this was happening and assured me this would be corrected and the late fees would be waived because it was not my fault. Every month I contact them several times trying to have this corrected. I am very frustrated and upset with ditech. Can you please help me?
I purchased a netSpend VISA card for {$350.00} from a local store to use for a single online purchase for a merchant who doesn't take XXXX. Tried to activate it and was told they wanted more information, including photos of my driver 's license and a utility bill to be sent over unsecure email connection to XXXX or XXXX somewhere ... I did that, grudgingly, after they said the card was unusable unless I did. None of these requirements were listed on the external packaging, but were apparent only AFTER purchase. A few hours later, they demanded a photo of my original social security card ( they'd already asked for the number, which I provided ). When I got suspicious and wary of sending those items online in what was starting to look like an identity theft attempt, they refused to activate the card and told me I'd have to return to the store for a refund. I contacted the store who said that netSpend was lying, that they could not do refunds on the cards and netSpend knows this, and it is even printed on the receipt. I relayed this to netSpend who then said they could activate the card for in-person purchases only ( which defeated the ENTIRE purpose of purchasing the card and made it useless ) or I could pay them another {$5.00} and they might return my money in 10-20 days. I told them to close the account and return my money ... which I will probably never see. I then looked at the XXXX ratings and realized I'm the latest of a long list of people who have had their money taken with no recourse. Something needs to be done about netSpend and the stores who sell them.
I originally had a home loan through XXXX XXXX XXXX in XX/XX/XXXX. I took our a VA mortgage to purchase my first house but had to move shortly after. in XX/XX/XXXX the renters in my house cause over {$15000.00} worth of damages to my home. The house was not livable without costly repairs. I spent all of the money I had repairing the house and could not afford to pay the mortgage. After my home was in foreclosure my loan was transferred to Nation Star Mortgage. I completed a loan modification packet half a dozen times and returned it to nation star. Each time I was never given a resolution. After a year and a half of trying I finally signed a document waiving Soldiers and Sailors Relief Act rights. I instructed the bank that they could sell my home now because I was told that because this was a VA loan they could not. It has been an additional year now and I am no closer to moving on with my life. The payments have piled up a level I can never hope to pay and I just want the bank to do what they have been threatening to do since XX/XX/XXXX. I gave them permission when I waived my rights and I have sent this documentation to the bank multiple times. This house has not been occupied since XX/XX/XXXX and it is destroying me financially.
When I bought insurance from State Farm I was solicited to get their credit card. At the time, the " auto-pay '' was never established so the card has not gotten much if any use. 

I called on XX/XX/19 to deal with a problem on my auto/home insurance billing. I was repeatedly transferred to the banking operation who insisted on verifying my identify requiring my full social security number. After the 7th transfer, and all manner of apologies, the last person took offense when I refused and hung up on me. 

I sent an email complaining of the poor service and indicating I was considering ending my relationship with State Farm and asking for information on cancelling the card if they were going to continue to provide this poor service. 

I never received a response to the complaint. I did however about 10 days later receive a form letter indicating they had closed the account " on customer request ''. I immediately called and indicated that we didn't want to do that. They have steadfastly refused to correct this, requiring a new credit " hard pull '' and a new application. 

It is very difficult if not impossible to deal with the auto/home insurance customer service without being stuck dealing with the banking side. And I find the banking side to be extremely difficult, and in one case, rude to deal with.. 

On XX/XX/19 when I called, I spoke to a supervisor " XXXX '' who indicated he would get back to me on XX/XX/19. I never received a call back or any other form of communication. I followed up on XX/XX/XXXX, was transferred again 4 times to get to a 2nd level supervisor. I was repeatedly told ( by all 4 agents ) that they couldn't access my information because " that was a different department '' or " they didn't have access to that information '' etc.