WillisBack/dataset-financial-user-claim huggingface dataset:
I have a complaint against this debt collector, XXXX XXXX XXXX. They have me listed for an account number XXXX. I requested XXXX times for them to send me more information related to this account and how I could possibly owe {$1600.00}. I recall having a card with Walmart but I know I did not run the balance up so high and I wanted to see if someone stole my identity and was out making charges. They only sent me a final statement or XXXX but nothing breaking down all the charges ( including where and when they were made ). They never sent me any documents relating to me opening the account either. 
In the process of me asking for this information, I must have upset them. Instead of getting me the documents I requested, they served me with a lawsuit. On XX/XX/XXXX they filed a lawsuit against me and I have a court date of XX/XX/XXXX. All I wanted was proof that I owe this debt and that my identity was not stolen and now I have a lawsuit and I do n't have the money to pay for an attorney to represent me. 
I do n't find it to me unreasonable for me to request complete proof of the debt they claim and I find it very unfair they are now treating me this way and they are using bullying tactics. Please make sure they prove to me all the charges belong to me. I want to file for ID Theft protection if I find someone else made these charges. That is all I want. I am afraid it is now too late and I beg you to try your best to get this information for me before my court date. If I sound desperate, I am and I need your help.
I 've fought over this " debt '' for 3 years. The previous collectors filed suit. I disputed it through the local courts, and I heard nothing else. A year later I get a second notice of filing by a different office, starting the whole process all over again. They are wanting me to sign something I do not agree with and have not supplied any information about the debt, or a right to dispute notice.
I was charged a late fee on a credit card payment with CITIBANK due to stolen us mail statement, I being a client for Citibank for over 20 years, and when I got the notice 2 days after the due day, I call them 1st, they offer to reduce the late fee by {$15.00}, I told the rep, should be the entire amount, but it escalate it to the manager who said it will wave nothing.I went to the local branch and made a payment personally. I wrote them a letter with all proof of mail being stolen, and received a response of not accepting, on my next statement they have add extra minimum charges. 
Citibank is changing the credit card policies to get more fees. without proper notices, I as a consumer agree on a bank making their % money and fees as long AS THEY DISCLOSE THEM PROPERLY, Citibank to my opinion is not doing this part clearly and honestly.
I sent a letter to Portfolio Recovery requesting that they validate NOT verify a debt that they are trying to collect from me. I specifically asked for a signed agreement and other supporting documentation, They provided me with billing statements which does not prove that I am obligated to pay them anything. They have called me saying they will get a judgment against me if I can not settle the debt. They have reported delinquent information to the credit bureau that I am asking to be deleted as well and to stop all collecting activity.
Institution Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/2018 This company inquired about my credit when I told the third party I didn't want to continue with the process. 

XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Inquiry from XX/XX/2018 This company inquired about my credit when I told the third party I didn't want to continue with the process.
i got behind a payment and a half which my payment is XXXX so they stopped taking my payment, i asked for a loan modification and for months they send conflicting letters i would get 3 a day one stating they need another paper another saying they are going to drop the mortgage ins and another saying they denied my request. they never made it clear what they wanted i would take the letters in to the local branch and they were confused. the bottom line they have made it so hard and confusing now that a lawyer has the file and is going with foreclosure they have told me what they need. the problem was a 2nd mortgage and a letter they needed. i have requested they payoff and have the money to pay it off and am doing so then have to get a letter to give to BB & T but they tell me i may not  have time before they put a sale date. i am XXXX a veteran and retired XXXX XXXX   and going through XXXX treatment. i just need 30 days or less please help
I had been paying the same mortgage payment to Bayview loan servicing company which include tax and insurance for many years. Its an impound account for $ XXXX/month and later increase to $ XXXX/month and now it becomes $ XXXX/ month. On XX/XX/2018 I received anticipated escrow account disbursements letter that my property tax become {$14000.00} starting XX/XX/2018. I received an annual secured property tax bill from Treasurer and tax collector is only {$1500.00} from XXXX XXXX to XXXX XXXX. I had sent several letters to Bayview Loan servicing with a copy of the tax bill that I received from the treasurer and tax collector office but never get any reply back. Also I had paid the mortgage on time and sometime a little late, but once I talk to customer service they told me that I am current then later I received a mortgage statement that I was late about 2 months. So I paid those 2 month on the statement now it come again that I still own them another 2 months. I am confused about what is going on since I just talk to their customer service about the update payment. Later Bayview loan servicing sent one letter to me saying that they had sold the loan to XXXX fXXXX so I have to contact them. I am very stress and don't know when they going to put my property into foreclosure. Now with XXXX XXXX. They also sent me the same statement that my mortgage become $ XXXX/month due to my property tax increase.
Worked with both XXXX XXXX XXXX ( XXXX ) and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( XXXX, XXXX, and Transunion ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX XXXX XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.
Prosper Market Place INC sold account to another vendor, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''
We are in Foreclosure and trying to sell this home. We have a short sale and the first lien holder can not give us a short sale approval since there is a 2nd mortgage on the sellers title. After speaking with customer service for Chase Home Equity Mortgage XXXX, they stated that this file was no longer in their system, and that if I need a release of mortgage I would have to send written request for that release of mortgage. We have Fax a request to Chase Equity Research Department on XXXX XXXX, 2017 and again XXXX XXXX 2017 and have been unable to get anyone to respond since the Research department does not provide a phone number to JP Morgan Chase Home Equity Mortgage equity research department for a Washington Mutual WAMU Equity Plus Mortgage XXXX XXXX XXXX.
Collection company unifin called me XX/XX/19 to collect a debt. I was at work so I asked them to call me back after work on Monday. They didn't call back so I made a call to them on XX/XX/19 in regards to this debt. A gentleman answered the phone and verified my information. He asked about settling the payment for XXXX. I told him I was unable to do that because I am a single mother of the children. Based on my finances I could make a {$500.00} payment to satisfy the account. I wasn't able to make payments due to my financial hardship. He was pressing to set up a payment plan which I told him several times I was unable to do. Then he got upset and told me that if I was unable to do this then he will write that I am refusing to settle the debt and they will garnish my wages then hung up on me.
I have notified Experian numerous times about this XXXX Credit Card that is still reporting on my credit report. That balance was written off from XXXX last year. Once a balance is written off from the bank they claimed it to offset their business taxes. The bank has not updated Experian on this account. It needs to be removed from my credit profile. 

XXXX Account Number : XXXX
Near the end of XX/XX/XXXX, my credit card information was stolen and I had numerous unauthorized charges on my credit card. 

{$470.00} Extended Stay # XXXX in XXXX, XXXX on XX/XX/XXXX {$130.00} Shipt* Order on XX/XX/XXXX {$25.00} XXXX in XXXX  XX/XX/XXXX XXXX {$60.00} XXXX Web XXXX XX/XX/2018 XXXX {$180.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$58.00} XXXX XXXX XXXX XX/XX/2018 XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX I live north of XXXX, XXXX, and my credit card was still in possession at the time. I don't use the credit card everyday, and was not aware of all of these unauthorized charges until 1-2 days later, when XXXX finally alerted me to possible fraud activity on my account. I checked, and then immediately called XXXX to notify them that the charges were unauthorized. They shut the credit card down, conducted their investigation, and determined I was not liable for these unauthorized charges. 

However, what I was not aware of was that my credit card had been used to also open a XXXX account under my nickname ( not my legal name ). I found out 3 months later when I received a bill for {$25.00} from Convergent Outsourcing, a collections agency for XXXX. I was confused, so I called XXXX and that's when I found out that there was a second account that had been opened. I have my own XXXX account that I use regularly and keep up-to-date for payments. 

I told XXXX that I had been a victim of identity theft, and they confirmed that the credit card that had been shut down by XXXX was the one used to fund this additional unauthorized XXXX account. The customer service person told me to just wait and they would have to do their investigation. I didn't hear back at all from them, so about a month later I called back and found out that XXXX 's investigation has decided that this was not a case of identity theft. They have not divulged any information about the charges, and have only told me that there is a negative balance of {$25.00} on this account. The email associated with the account is not mine, and all I know is that the balance went negative XX/XX/XXXX, maybe as a result from some of the charges that were reversed on my credit card. 

I have spent over 9 hours on the phone with XXXX, Convergent, and my credit card trying to resolve this. XXXX has proven to be extremely uncooperative, and very accusing. I have been transferred from department to department during my calls for no reason, and have even been prematurely hung up on after having been on hold for over an hour. They have provided me with no proof that I opened the account, and yet have concluded that this isn't identity theft when the credit card used to fund the account was shut down for identity theft. 

I have also filed a complaint with Internet Crime Complaint Center about these charges and the XXXX account.
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX  and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. My official complaint is against SWC / Southwest Credit SYstems
XXXX Scott Caruthers is harassing me at work. I have a recorded call the gentleman being very rude without disclosing the purpose for the call at my place of work
I set up recurring bill pay with Citibank through my checking account to pay my cable bill every month. In XX/XX/XXXX, I went in to Citibank branch and asked verbally and in writing for the recurring bill pay to stop as I was about to move XX/XX/XXXX. I thought that giving them XXXX weeks notice would be sufficient. 
Citibank, however, failed to put through the request. In XX/XX/XXXX, XXXX months later, the cable bill amount was still being deducted and sent to AT & T. I was no longer living there and the new tenants were having a difficult time setting up their cable in their names as I was still being charged cable for that apartment. 
I have spend countless hours trying to resolve this. Citibank says I need to deal with AT & T, but AT & T says I have to take up the issue with Citibank. They each claim the other is responsible for returning to me the money. I have spent hours on the phone and in person with both companies and now have no idea what to do.
Beginning in XX/XX/2017 I've disputed the student loans reported on my credit profiles by Navient, I wrote them numerous letters asking them to show the original promissory note I supposedly signed. They sent me a computer printout with no signature, only saying these loans were e-filed. I wrote again disputing the validity of the loans and they wrote my back stating I could dispute but this is my loan. I continued to dispute with the same dispute as before and that is to prove these are my loans in which are duplicated on my credit reports to appear as more than one they are different on the three reports.
I have made several additional payments to Navient on my student loan. I elected to have these payments applied to the loan principle. I noticed that on at least XXXX occasions these payments were applied entirely, or partially, to interest. When I contacted Navient they told me this was done because the loan was past due, which was not true. It clearly states on the payment history that there were not late payments, as my minimum payment is automatically drafted out of my checking account each month. I pointed out that I could see at least XXXX consecutive payments prior to XXXX such occurrence of the payment being misapplied. After I was lied to by the representative, I requested to speak with a supervisor. The representative originally denied my request, but eventually connected me to a supervisor who informed me that she was unable to even see the additional payments on her system. The supervisor identified herself as XXXX # XXXX on XXXX/XXXX/15. I took screenshots and emailed them to her, and she acknowledged receipt of the images and stated that she would look into these payments and follow up with me when it was resolved.
Back in XXXX I sent a CEASE & DESIST LETTER to General Revenue Corporation for the said XXXX XXXX - Online debt. I also explained to them per the letter of separation provided from XXXX I have no debt owe to them or me. This is legal document stating that. In XXXX XXXX sent this same debt to another debt collector and when I fax that debt collections company the letter of separation they agreed that they cant do anything because of the letter of separation. Now once again in XXXX of XXXX I received another letter from GRC attempting to collect on a fraudulent debt. As stated above I sent a letter of CEASE & DESIST back in XXXX and on the phone dated XXXX XXXX XXXX I was told that my account will be placed in CEASE & DESIST but I received another on XXXX XXXX of XXXX after I already asked in XXXX for GRC to CEASE & DESIST communications with and again on XXXX XXXX of XXXX I was told that they would CEASE & DESIST communications with me. At the end of the day the debt is not mines and if I did owe any money to school why would n't they have taken out of my check if I owed them since XXXX and I was still employed there till XXXX of XXXX? If I owed them money AGAIN WHY DID'NT TAKE IT OUT OF THE SEVERANCE PACKAGE THAT I RECEIVED???? XXXX is harassing me know and this needs to stop. I have shown proof that XXXX can not collect on this. I show proof that the debt is bogus because it has no type of late fees and or collection cost. They know this is some XXXX and GRC should leave me alone. 


I have attached the dispute from XXXX and all documents along with a screen shot of the recorded phone between GRC and I. I have attached the letter I sent to XXXX XXXX stating the reason why this debt is not valid. IF you do n't stop and I mean never contact me again, I will seek legal representation and provide them with all the legal documents, files, statements from former XXXX employees and file harassment charges against GRC with GEORGIA ATTORNEY GENERAL OFFICE and US Government.
I opened a Cash Rewards credit card with Bank of America in XXXX in XX/XX/XXXX. I was told by both the brochure and the onsite staffer that the card offers a {$100.00} bonus as long as my spending exceeds {$500.00} during the first 90 days. However, even though my total ( as well as individual ) purchases for the first XXXX months exceed {$500.00} ( {$1000.00}, {$680.00}, and {$570.00} respectively ), I have received no bonus up to now. I called XXXX on XX/XX/XXXX to inquire about the incident, but the customer support failed to provide an adequate explanation, saying only that the incident was too dated and that I should have called earlier. I requested to speak with her manager, but was told her supervisor was unavailable. She promised to take note of my request and call back, but I have received none up now.
I contacted my loan company to set up a arrangement to get my loan caught back up, since I had to move towns and jobs because they gave the other party on the loan my information after knowing there is a no contact, restraining order and that they are in prison so who ever is calling is not that party.do to my info being given out my truck has been vandalized so I moved again. So I am now moved and I made the arrangement to get my loan caught back up. I made the XXXX payment on time and even called them after leaving the local branch bank to tell them I had made the payment but there servers were down. I asked if they needed the tellers name and number so they could confirm the payment and was told no. So the following day and everyday after that the number I called from has had calls XXXX and XXXX times a day Monday thru Saturday from the bank. They have told the company it is not my phone and to stop calling. I feel this is harassment. I made my payment and am waiting on my next payday to make my next payment. I told them I was changing banks as well and waiting on my direct deposit to be set up. I have an account set up that is strictly for my payments and that I have a direct deposit set up for that money. I just have to wait for it to be switched over. I even set up the account at a branch of there bank so it would be all same day transfers. I am doing my best to keep them informed of what is going on and make my payments to get caught up, but to have a different person keep calling everyday to change what was already arranged i feel is harassment and an embarrassment this was a friends phone number. this is all being done by Wells Fargo Dealer Services Out of XXXX XXXX
XX/XX/2017 Amount of Interest Charged= {$27.00}. No Action taken by Credit Card company. 

My XXXX XXXX XXXX Card was paid in full and Credit Card company not willing to credit excess or fore say extra interest on my account. They just assumed this is the way to make money and did not offer any courtesy credit for loyal customers paying off there credit cards. Very deceiving as I thought paying off my credit card means XXXX balance.
On XX/XX/XXXX, my daughter re-let her room in XXXX XXXX XXXX in exchange for ending the fall XX/XX/XXXX lease. As the lease guarantor ( co-signor ), I facilitated the re-let agreement. The rent for the semester was paid in full at the beginning of each semester to ensure there were no shortfalls. 
XXXX moved her personal belongings out of the unit at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX on XX/XX/XXXX as agreed to by XXXX XXXX, the leasing XXXX at that time. The requirements to begin the re-let agreement were met due to the new tenant signed a lease and the re-let fee was paid. XXXX returned the keys to management and her room was inspected. At that time, we were advised that we had no further financial obligations to XXXX XXXX XXXX. Please see attached form. 
On XX/XX/XXXX, Southern Management Systems XXXX XXXX XXXX XXXX XXXX XXXX reported a derogatory mark on my credit file in the amount of {$730.00}. 
I request that this item is removed from my credit file due to the financial obligations to XXXX XXXX have been fulfilled.
I applied for a VA home loan with XXXX XXXX back in XXXX and the loan fell through while in underwriting. I lost over {$1200.00} due to having to pay for the VA appraisal and XXXX different inspections on the home. I then applied for another VA home loan with XXXX XXXX in XX/XX/XXXX. I informed my loan officer who was XXXX XXXX of the my previous loan that had fallen through while in underwriting. I informed her I did not want the same thing to happen this time around. I told her the reason my loan had been denied ( residual income being too low due to number of dependents XXXX and she assured me this would not happen. I submitted my documents and she reviewed my credit and income as well as my tax statements. She then told me the loan would be approved and said that my residual income was sufficient because they were able to use more of my income than the previous mortgage company. I again informed her I was very hesitant to spend money on inspections because I wanted to be sure the loan would go through this time. XXXX again re-assured me several times telling me to go ahead and get the inspections going because she would send my loan to underwriting to get approval. She further stated the loan was a sure thing. After 3 weeks XXXX informed me that my residual income was too low and the loan was not going to be approved. I was very upset and asked her why she misled me and she stated she was sorry. I ended up spending {$410.00} on 2 inspections and the option fee. I feel like I was baited into taking this loan and feel like I was lied to. This is the 2nd time this has happened to me. Is there anyone holding these mortgage banks accountable? I asked XXXX XXXX for a refund which they scoffed at. I would like to file a complaint because I was misled only so they could get my business.