WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, XXXX XXXX XXXX paid my back property taxes of XXXX. The mortgage on my home is XXXX and XXXX for current property tax and XXXX for back property taxes owed. I have been paying a total of XXXX until XX/XX/XXXX. I filed against XXXX XXXX XXXX XXXX in XX/XX/XXXX. Now that Ditech Financial LLC bought Green Tree the company has fraudulently purchased unnecessary hazard insurance even though I sent them proof of insurance. I contacted them to notify them that those funds fraudulently used for hazard insurance was for taxes. So, XX/XX/XXXX Ditech paid my insurance company in full without my permission. Ditech is now stating Im in default and has returned returned 3 mortgage payments.
1. XXXX  said they sold the debt, making ERC a debt purchaser. 2. On my Credit reports it shows them as the current holder of the debt, meaning they are the debtor and not XXXX. 3. XXXX  didnt sent billing statements to me because they entered or misspelled my home address. 4. The debt collector didnt sent me the correct correspondents and they admit they had the incorrect address information. 5. On XX/XX/XXXX I sent a debt validation letter after no ever receiving a correspondent from ERC or XXXX. 6. ERC partially responded to my debt collection letter. 7. ERC provided me billing statements that only listed a amount owed without a break down of chargers. It went from {$350.00} to {$700.00} without any billing marks or notations. 8. ERC did not explain and show me how you have computed the amount as requested on my debt validation letter on XX/XX/XXXX9. ERC did not Send me the copies of any documents that prove I agreed to pay the alleged amount or contracts as requested on XX/XX/XXXX 10. ERC did not Confirm that the account has not crossed the SOL period as requested in my debt validation letter 11. ERC did not Prove/show that they are a licensed debt collector as requested in my debt validation letter 12. ERC did not prove/show me their license numbers and registered agent as requested in my debt validation letter 13. ERC still reported on my credit report with out following all the legal steps and violated my rights as a private citizen. 14. Lastly the debt validation response they sent me only contained blank billing statements without any information on any of the amount they spoke of 15. ERC needs to removed this debt from my credit report until Im able to verify this debt
transworld systems is trying to collect money without telling me what company, date or what I bought file # XXXX. I always pay bills so this is suspicious
Issues I have with Carrington are the following : 1- Carrington has neglected to respond to our Faxed/Telephone/Email request for the following : Payment of {$1400.00} was made on XX/XX/XXXX to bring my property tax that I was behind to {$0.00}. Carrington had already paid property taxes for the XX/XX/XXXX/XX/XX/XXXX before I made this payment. So that from this date forward Carrington would be able to collect escrow for the next years taxes and continue to show me current. 
This has not been the case! 
Also the payment I made is not reflected in the 12 month history and the Research department was asked to work on this and had 30 days to come up with a solution to what happened and has neglected to respond. 
To confirm that payment was made I have the online bill paying receipt # of XXXX received from Carrington that very day [ XX/XX/XXXX ]. 

2- On XX/XX/XXXX I started, with my counselor from XXXX XXXX XXXX for Homeownership, a program with Carrington to " catch-up '' my property taxes that were in the negative. The representative [ XXXX ], was going to provide a 3 year program to become current with my property Taxes. I sent a Qualified Written Request [ per XXXX 's advice ] to ask for a 5 year program to catch up my properly taxes and Carrington came up with a 3 year program instead. 
My problem is I have no record that I am in a 3 year program. No record of a correct escrow. The escrow is showing funds I have asked to be put on my principle [ I paid extra and made sure I requested " for principle only '' ] are showing up on Escrow and yest instead of escrow going down it has gone up. Please explain to me in simple terms how this can happen when as in # 1 above shows I was current. 
Also in this arrangement I confirmed with Carrington that there was no penalty for early payoff. 

3- Because of the Carrington 's Escrow 's many inaccuracies, my payment [ PITI ] has never gone back to what it should be. I received a XXXX % Loan Modification through XXXX that brought my payment down to {$510.00} [ PITI ] and has never been this mortgage payment with Carrington. I would like to have an explanation of why I am not making my HAMP Modification payment of {$510.00}.
I entered into a car title pawn loan with TitleMax of Georgia for {$10000.00} on  XX/XX/2013    and made {$33000.00} in payments yet I still owe {$9100.00}. I was mislead about how long it would take to pay the loan back at payments of around {$750.00} per month. When I complained about not being able to pay down the balance, TitleMax stated that they would drop the rate but it did n't help.
Collection Consultants. XXXX XXXX. {$170.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
had a student loan from XXXX around XX/XX/XXXX-XX/XX/XXXX. i was in car accident and not able to pay off. eventually i went back to work and filed tax return and IRS had deducted balance owed to student load from ta return and was paid in full. debt was still given to Portfolio recovery and they are trying to collect on a debt that has been satisfied as well as exceeding the statue of limitations for both XXXX and XXXX whee i currently reside. there has never been a payment sent to them to " reset '' the debt collection process. i have asked them to stop and explained to them that its been paid, but they refused to hear my side and insists that i give them a credit card number to make payments.
On XX/XX/2018 I submitted a letter to Diversified Consultants ( Creditor ) concerning an listing in my XXXX Credit Report. I asked them to submit Validation information on a debt they reported. I wanted to make sure they were authorized to collect the debt. On XX/XX/2018 I submitted a second letter requesting again information ( Provide verification that the collection agency is licensed to collect in my state and Provide their license numbers and registered agent ).
On or around the 1st week of XX/XX/XXXX I called XXXX to see if I qualified for the Obama student loan forgiveness program they had advertised about. I was advised they were with the Dept of Education and that I did qualify for the Obama student loan forgiveness program. I was informed I would have to do 5 pymts of {$99.00} then my loan would be forgiven through the Obama student loan forgiveness program. I then made arrangements for the 1st pymt of {$99.00} to be made on XX/XX/XXXX. I received a letter from XXXX XXXX advising that they would be handling my student loans and that my pymts would be XXXX dollars based upon my income. on XX/XX/XXXX I called XXXX because I wanted the last 2 pymts to be processed on XX/XX/XXXX which was the next scheduled pymt date. I spoke with a lady who advised me that they never take ymts or set up any type of pymt plans that they were a student loan advisory company I explained to her this was number I had called and they took my info and set up this plan so that I would be in the Obama student loan forgiveness program and that they had already taken 3 pymts of the 5 she hung up on me. I then called XXXX XXXX and I was informed there is no Obama student loan forgiveness program and that I had been set up on a plan that is income based driven. And that it was fraud that they never heard of RIVERWALK. The representative advised me to do a fraud claim with them which I did why I was on the phone. He also advised me to stop pymts and not to pay anything else to RIVERWALK because it was a scam. I went to my bank and did just that. My bank tried calling the number on my bank statement to inquire about the drafts and where the money went XXXX at my bank was hung upon as well after being told that they had no clue as to what she was talking about on my bank statement it shows as XXXX RIVERWALK XXXX TX XXXX RIVERWALK XXXX. Yet they knew nothing and said they had no clue to what was going on and hung up.
I'm so confused and I need help. This is approximatly my 10th attempt to get this unvalidated debt off of my credit report. Bonded Business of Colorado is illegally listing {$2000.00} as a collection. I've disputed with them more times than I can remember, and they can only provide lease agreement. That is NOT a valid form of validation for {$2000.00} debt. My signature stating that I lived in that same apartment complex TWICE in 3 years between a 12 month combat XXXX does NOT constitute a validation of these erroneous charges. I've attempted to speak professionaly with them and they hung up in my face three times, and my wife twice within a matter of one minute. They will not communicate with me, they will not validate my debt according to the fair credit reporting act, and the debt isn't listed with the company. The debt is " supposedly '' passed over to XXXX XXXX. I then called " XXXX ''. They stated that they have no idea what debt I'm referring to and then recommended me to call Bonded Business, who told me to call XXXX  who told us to call bonded. They gave us the run around! We called Bonded Business, and they hung up after saying " pay me ''. This company is the single most unprofessional business I have ever seen. The rep sounded as if she was inebriated and basically ignored my questions while reading script. The bottom line is Bonded Business bought a bad debt from the XXXX XXXX XXXX XXXX for {$1400.00}, the XXXX hasn't even validated nor responded to my initial dispute from XX/XX/XXXX 2017. As you can see, they won't respond to the XXXX XXXX XXXX  of Colorado either. I need this corrected as Bonded admittedly stated that the initial debt letter was sent to XXXX Wyoming. I have never been associated with Wyoming in any way. The company has obviously made a mistake in identity and now refuse to remove from my report. They are not legally licensed or permitted to collect in Texas.
I am very devastated for all the excuses Rushmore has gave me in order to not approve me an affordable offer instead I am being asked to pay {$11000.00} as a good faith down payment and additional to that I need to pay 6 monthly of installments for the amount of {$1800.00} but it does not stop in the paper work it states to continue making payments after I complete the 6 installment payments until I received any permanent modification contract. However the trials are higher then what my mortgage was before I started to fall behind this is not helping my situation because my monthly mortgage payment was {$1400.00}. Rushmore knows I can not pay that large payment even though I had tried to negotiate the good faith payment Rushmore does not want to work with me. I am a single mother and I do not want to lose my house. Rushmore has set a sale date for XX/XX/2016 to have me removed from my house and to make matters worse Rushmore now does not let me speak to no agents from Rushmore instead I need to negotiate with Rushmore Attorneys because now they have my case.
Monies were removed out of my account without my authorization. Went into the branch and signed insurance check and was told upon endorsing the check the funds would be release in two installments. 

Still no resolution after 7 months. I am constantly getting the runarounds which is very frustrating and I have been overly patient.
An open collections account is listed on my Equifax credit report ( Listed as a number XXXX - XXXX XXXX XXXX XXXX ), but this account was paid in full ( {$140.00} ) to the original creditor, XXXX XXXX and XXXX - XXXX ( see attached bank statement section. )
Last XXXX I received a targeted offer from Citibank for a Citigold account which, after completing the spend requirements, was supposed to result in XXXX XXXX miles in that account. I fulfilled the requirements months ago. One citibank rep said I would get the miles in XXXX, then I was told I had n't turned in a tax form, then I turned it in and Citibank said they never received it. Then they admitted they had received it. I escalated my request at the XX/XX/XXXX and was told I would get the miles by XXXX XXXX. Has n't happened. Talked to Citibank last night and was told that Citibank has " approved '' the miles but they have no idea when they will be posted or available to me. Meanwhile I have been paying a monthly fee to maintain the Citigold account. Last night the representative said I would n't have to pay any fees for three months, but I 've already paid several months of fees AND I have no miles yet. I kept my part of the deal ; Citibank has not kept theirs. This is fraud. I want the miles, I want the fees rebated for the months since I met the requirements. I think I also deserve some consideration for the hours I have spent on the phone with them.
I 've been disputing Portfolio Recovery Associates ( PRA ) directly about a {$590.00} debt that does n't belong to me, and it is marked on my credit reports. I started disputing PRA with a certified letter mailed onXX/XX/XXXX. I requested validation of the debt that bears my signature. I received two letters back from them, both dated XX/XX/XXXX. They had only sent records from the original creditor. PRA failed to send me any validation that I owe them the debt of {$XXXX} I sent them another letter datedXX/XX/XXXX.XX/XX/XXXX Included in the letter, I specially stated the following in bold lettering, " As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. '' Yet again, they sent me another set of two letters, which were near identical to the ones they sent back before. The letters were dated XX/XX/XXXX. PRA stated in on of those letters, " because your dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute, ''. These new set of letters included no documentation I had asked for. PRA is still reporting this invalid debt on my credit reports. I contacted them for validation of this debt and they failed to send the proper documents. This proves that the debt does n't belong to me, and Portfolio Recovery Associates are trying to dismiss this dispute when, in fact, it 's not resolved. They continue to fail to send documentation bearing my signature, which proves that they do n't have it.
I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... 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 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 XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
I was purchasing 4 tickets with parking passes from XXXX XXXX who advertised the tickets on XXXX. The tickets were for the XXXX XXXX vs XXXX game on XX/XX/2018 at XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX Texas. I transferred the agreed upon amount of {$400.00} thru XXXX on XX/XX/2018 within my Wells Fargo App to XXXX XXXX who also had a Wells Fargo account. Our correspondence throughout this process was thru text messages, which I still have on my phone, and the seller ( XXXX XXXX ) confirmed he received the {$400.00} and was starting the transfer of the tickets to my XXXX account. I never received the tickets. When I text him back he did not reply. So I attempted to call and he had blocked my number. I called Wells Fargo and they opened a claim and assigned it to their fraud team. After several days they finally called me to say that there was nothing they could do, and that they dont guarantee goods and services. They did confirm XXXX XXXX had an account and confirmed the transfer of {$400.00} from me to him but would not give me any other information. They said all I could do at this point is file a police report. Ill I have for information of the individual ( scammer ) I sent the money to is his name ( XXXX XXXX ), his email ( XXXX ), and his phone number ( XXXX ).
TD Bank is blocking me from being able to link my mobile wallet to my bank account. I need them connected so I can deposit if I decide to see assets.
On  XXXX / XXXX / XXXX , I applied for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card limit increase, which was initially declined approximately ten days later due to my credit report.  XXXX  pulled up my   XXXX   credit report. Both  XXXX   XXXX  and  XXXX   XXXX   XXXX  showed negative credit information even though the information was not derogatory :  XXXX   XXXX  has been closed since  XXXX  ;  XXXX   XXXX     XXXX    advisory  that account was previously in dispute-Now resolved-reported by subscriber.   I called the customer service representative for each bank to have either the  XXXX   XXXX  account removed from my credit report or the  XXXX   XXXX    XXXX   advisory removed. Each customer service representative said that I had to contact   XXXX    and that  XXXX  would contact the bank.   I work very hard to keep my credit report pristine and accurate. I even pay to have credit report freezes placed on them.   On  XXXX   XXXX ,  XXXX , I was eventually able to get the  XXXX  credit card limit increase. However, it should have happened a lot sooner and with no problem.     Please, remove the  XXXX   XXXX  account and the  XXXX   XXXX   XXXX  advisory.
Everything on my Credit is 10 years old or more and it 's stoping me for getting a house Experian need to get that old stuff off my Credit before i sue them
I 'm having a problem with netspend I requested a card and it 's been almost a month and have not received it so I requested a new card to be expedited through XXXX. I called back for a tracking number and they could n't provide one because a card was never sent out. They have my tax refund and do n't even release it to another netspend card, that I, have. Can you please help
The New York State Supreme Court had dismissed the XXXX XXXX XXXX XXXX in the index number XXXX on Equafax Account # XXXX,. I have enclosed the copy of Supreme Court order.Equifax Has failed and and refused to properly investigate the validity of the XXXX XXXX information even though the New York State Supreme court had dismissed the validity of this wrong information and XXXX XXXX Claim. Why Equifax did not communicate with N.Y.S. Court and further investigate the truthfulness of the information being reported in my credit report knowingly that it would Tarnish my credit report and my ability to receive further finance. They Simply Failed and continue to admit to their mistake under the legal protection afforded to me as a consumer.
An initial dispute of the items on my XXXX report was made on XX/XX/XXXX. Included in the results of that dispute was an account for Bank of America showing that I owe XXXX. The only validation made for this account is a statement made by the bank that " additional negative activity took place increasing the balance to {$470.00} at the time of charge off. '' On XX/XX/XXXX, a 2nd letter was sent to them asking for the documentation supporting that statement. Their response ( received on XX/XX/XXXX ) is attached ; however, again, no proof of the debt was included ; they simply restated the same thing. Please delete this account from my report in compliance with Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer.
PS sent me a letter dated XX/XX/XXXX which stated that SPS is aware of the issues presented in my RESPA letter and would like to work with me to reach a resolution. However, when I called them they were not able to provide any options for a resolution. I received a Notice of Reposting and Sale notice from XXXX XXXX XXXX XXXX XXXX, XXXX. to foreclose on my house on XX/XX/XXXX. I have requested an accurate payoff amount which they have not provided. There have been so many accounting issues that an SPS employee, XXXX XXXX stated during a phone call that it is impossible to validate historical amounts because the loan data came from a previous servicer. My XX/XX/XXXX Mortgage Statement, notes that my XX/XX/XXXX unpaid payment is {$3400.00}. However, on my XX/XX/XXXX Mortgage Statement it shows my XX/XX/XXXX unpaid payment was {$2400.00}. To date they have not provided an explanation. Finally, they raised my interest rate to over 7 % and did not send a notification. Now, they are threatening to throw me, my XXXX children and XXXX dogs onto the street within days of the holidays. They need to do what they said and work with me on a resolution.
I am deeply upset that XXXX continues to repeatedly violate my consumer rights. I am writing in response to XX/XX/XXXX dispute results, for the second time same issue. BK # XXXX from was removed from my XXXX credit report and later reinserted without notifying me " XXXX XXXX ''. Said act is a violation of my consumer rights according to section 611 ( a ) ( 5 ) ( B ). Which applies to situations where the information was previously deleted/removed based, on a finding in a dispute that the information was inaccurate, incomplete or could not be verified. Based on this violation, I am requesting/demanding BK # XXXX be permanently deleted once again. If this matter is not deleted immediately, I will pursue legal action based on the facts my consumer rights are repeatedly violated by XXXX. Due to this inaccuracy being reported my family and I are being affected. I am on XXXX XXXX from the XXXX of repeated calls, writing letters, filing complaints to all 3 major credit bureaus getting ridiculous interest rates while applying for home and car loans. 

XXXX  continues to report a fraudulent addresses of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX and XXXX XXXX XXXX  XXXX, XXXX, Georgia XXXX. This address has " NO '' affiliation to me or any relative of mine, therefore any mail/utility bills of any kind using my name, SS # and DOB is fraudulent. I am demanding this address be updated and deleted permanently. I have previously attached bank statements, utility bill and photo ID.
I applied for a mortgage refinance and Loan Depot pulled my credit three times : On XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. This has resulted in a major drop in my credit score. What can be done about this? I purchased a car and they pulled my credit two times! Unbelievable what impact this had and will cost me in additional interest now that I am trying to purchase another home!