WillisBack/dataset-financial-user-claim huggingface dataset:
Received a call from D2 management saying that I owed a payday loan from XXXX. I said that is it false and the woman said it is over 1100 that I owe. I said I know my rights and I want something in writing and she said that the have my SSN number but would only give the last four. She stated I would be in big trouble and then I hung up.
Have received several mailings from them stating I have been approved for lower interest from XXXX but when I try they keep telling me that I have inadequate income. Have not missed making a payment eve ( except for period when I was in bankruptcy ) almost always paying more than the monthly requirement. Not only have I called t hem but have sent them several written requests. They simply are not working with me. 

Loans are actually for all XXXX  of my children so is a Parent Student loan. 

I would like to get reduced interest so the loan can be paid off sooner. On fixed income so every bit reduced would be helpful. I don't expect any loan forgiveness knowing that I am responsible to settle my debt.
I disputed two different accounts from two different companies ... seperate letters ( placed in the same envelop ) that are being handled by Portfolio Recovery Ass. These letters were sent via certified mail USPS on XX/XX/18 and were delivered and signed for at Portfolio listed address on XX/XX/18. One account they state has an outstanding balance of $ XXXX..the other account they state has an outstanding balance of {$1000.00}. In both letters I clearly ask for vaildation of any signed documents by me that state anywhere where I owe/agree to pay them any amount of money. More than 30 days have passed and they haven't responded to my request for this very specific documentation. Also they have failed in that same 30 day time frame to report these accounts as disputed with any of the 3 agencies they are reporting to. These are clear violations of the FCRA, whic is in place to protection us from companies like this. All the information is inaccurate with these accounts. They even list these collection accounts as " open '' with 2 of the 3 burenas..this is just wrong. I want both of these accounts deleted ASAP from all 3 credit reporting companies, as well as them agreeing not to sell these bogus accouns to another agency. They have failed to do the easiest things.
I am currently a resident of the State of XXXX .. I arrived in XX/XX/XXXX in the State of XXXX where I entered from my country XXXX XXXX for the year XX/XX/XXXX. I decided to move to be close to my older children and their family. But to help him with his family .. I was going to join the United States XXXX from there we decided to stay since XX/XX/XXXX in XXXX. Approximately two years ago I started receiving collections from the Messerli & Kramer PA Collection on a debt with XXXX XXXX XXXX. I did not know what it was and decided to call him. To my surprise a large amount that I did not borrow from that Bank. If I informed them that it was my Bank when I lived in XXXX and that was where I received my direct deposit where I worked in XXXX. I think that I failed to close that account because the time passed and they started on money orders for account maintenance. months until they found me. And I did not know about that .. So I tried to express it and it was traumatic threatening their communication .. I had never lived something so even my little children panicked we lived in the process of adapting to a change ... that arrives XX/XX/XXXX I do not have life of threatening letters and in a difficult situation .. Arriving at a new place starting from Zero and you are person that with his Threat I got totally out of control .. I decide two years ago to make a payment plan without economic power as required Obligated accept your terms offered me to be the impossible to try to cover that debt .. But I can not continue many expenses and an economic inetainability muer you a relative in country. And among others like the current condition of my daughter that stopped me from continuing to work continuously. To try to free myself from those people. My interest was never negative when it was not my intention caused to fall into that Debt. I've been with these people for some time threatening through letters I can not anymore. I am not working they are asking for federal state x 3 years which I can supply. Where the little that the State worked last year I remove it for payment of medical bills that I could not pay .. I do not understand its way of understanding before my situation. I have been doing this for a long time and that is why I appeal to you. Let 's  see how they help. Thank you.
This information being reported by CACH LLC is inaccurate and still no proof has been sent to me. I disputed with XXXX and this information was removed yet it continues to remain on my XXXX and XXXX report. This company violated the FDCPA by sending me letter offering me a settlement during my dispute period which overshadowed my validation period. I want this matter investigated. My social is XXXX and date birth is XX/XX/XXXX. If I must file a civil lawsuit against CACH LLC to protect my rights I will do just that and notify the media about their unfair and deceptive collection practices. I wonder how many other consumers rights have been violated in this manner.
I was using XXXX XXXX as my provider. At a point the recorder in my home would fill with unrequested shows preventing me from recording what I wanted to record. I called XXXX XXXX they sent out a XXXX and he worked for 3 hours and finally replaced the recorder. In about 3 days the new recorder did the same thing. I contacted XXXX XXXX and they said it was a software problem they would not come out and could not give an estimate on when it would be corrected. I told them if they could not supply the service I contracted from them, I would have their service replaced. I then got XXXX XXXX. After talking to XXXX XXXX again they sent me a refund for the partial month not used and said they would close the account. Several months later they started to attempt to collect {$230.00} from me. I sent them XXXX letters explaining they had previously sent me a refund and that they agreed they were not meeting the previous agreement. I told them if they wanted to collect the debt to please file a suit. Lately they have turned the account over to AFNI for collection. I wrote AFNI giving the same facts and asking for a suit be placed against me. AFNI has now placed this debt on my credit report with a very negative effect. I am requesting they either file a suit or remove the debt. Thank you for your assistance in this matter.
there are many inquires from each of my credit reports that are not mine XXXX XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX card service the XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX 3 times XXXX 2 times XXXX XXXX services XXXX XXXX card XXXX XXXX XXXX XXXX I have sent certified letters to all three credit bureaus and they have ignored my request to remove this information that is not mine. If this continues I will take them to small claims court for removal of this incorrect information
We received a bill in XX/XX/XXXX with a New balance for the month. We paid the full balance before the due date and did not use the card for any additional charges for the month. When we received the XX/XX/XXXX bill, which we expected to be {$0.00} since we paid the full amount, we were shocked to see that the company, Chase Card Services was charging us {$80.00} for interest. 

Obviously, we want the charges for the {$80.00} additional in interest removed from our bill, as we paid the full amount due before the due date. I am not sure why they would show you a new balance and expect to be able to charge you interest on it when you pay it in full. 

We contacted Chase and spoke to 4 different people about the issue, and all refused to remove the amount due from the card. 

Thank you.
I mailed the first letter to TransUnion on XX/XX/2018 in regards to several collection acct that is supposedly mine. 1st acct is for the amount of {$1900.00} and the 2nd for the amount of {$640.00} and under sec. 609 of the FCRA they are supposed to send me a copy of the original contract that I signed and they did NOT provide me a copy with the original contract. All they say its verified when yet they are supposed to provide me with what I requested. 
So I sent a second letter on XX/XX/2018 On regards to them same accts that I previously stated and all they do is say its been verified but NEVER sent me the original contract that I signed. And now I mailed out my 3rd letter on XX/XX/2018. And I will be attaching all three copies of the letters I sent so they dont try to Deny ever receiving letters from me
Bank of America is reporting a wrong balance and a wrong status for this account. Try to contact them but no success.
ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
XXXX XXXX XXXX XXXX tells XXXX XXXX service members that the annual fee will be waived when asked during the application process. When the SCRA benefites are brought up after the account is opened the consumer is told that that was a mistake and they will not honor what was said during the application process.
First Financial Investment Fund V, LLC are trying to collect a debt which I do not owe. They are trying to collect a debt under XXXX different account for the same company. I told the company that all debts and claims for XXXX XXXX has been fully resolved. They closed the XXXX debt for this company however they are refusing to closed the other debt they claimed I owe for the same company. I sent a dispute letter on XX/XX/XXXX requesting further verification and proof within 30 days, today XX/XX/2016 I still have not receive this from the debt collector or confirmation that it has been closed.
I received a call from XXXX on Thursday,  XX/XX/2015, around XXXX The representative did not identify their business even after I asked them. The rep stated that they were calling in reference to a claim for an XXXX debt but did not provide me any information concerning this debt. The rep stated that a legal courier would be coming tomorrow, Friday, XX/XX/2015, to deliver certified documents. The rep asked me about doing payment arrangements which I did not do as I had no information concerning this debt.

My mom received a call from XXXX on Thursday, XX/XX/2015 from a rep who left a voicemail message identifying herself as XXXX. She left an ID number on the message.

I looked up this toll free number in Google and found out that it belongs to Kirkland Asset Management.  I would like this business to cease and desist all phone communication with me, family members, friends, and anyone associated with me effective immediately. I believe their communication with me violates the Fair Debt Collection Practices Act. Please investigate this business. 

Thanks
Let me preface what Im about to describe by stating that even after hiring a lawyer, we were never told about filing a complaint here, nor were we told the bank/lenders actions were wrong ... maybe illegal?! That will explain why I am just now filing this claim/plea for help. 
During the housing crisis of 2008, unbeknownst to us, Countrywie Home Loans sold our home loan to Bank of America ( BOA ), This triggered a set of events that we continue to battle to this very day!

We were never notified in ANY way that our loan had been sold AND the terms of the loan had changed until our automatic payment ( s ) were returned by Countrywie. It was at that point we were informed our loan had been sold and terms changed via BOA. Bank of America notified us that the payments were returned because we had not been paying the full amount due to the change in loan terms/payment amount, and if we didnt pay $ x we would face forelosire!! 
To make a long story short, we nearly lost our home to foreclose ... we were even encouraged by BOA to stop making payments so we would qualify for assistance! Fast-forward to today ... not only did we lose tens of thousands of dollars in trying to correct a situation that should have NEVER happened ... thanks to BOA, but ou credit has been irreparably damaged! 
I truly wish we had known about this claim process as an option when this situation began. It is my hope at this point that either we can recover funds for which we still believe we shouldve never had to pay or that our credit can be restored so we can finally move on with our lives post BOA credit damage! 
BOA has made our lives a living nightmare for almost 10 years! 
Any help you can provide is greatly appreciated! Thank you!
Our mortgage statement indicates that there is no late payment until the XXXX of the month. XXXX, even though I make the payment before the XXXX we receive statements that are issued prior to the XXXX and indicate a past due payment. This adds to the overall cost of the mortgage. I called company about this and I was told that there are no additional costs to the mortgage just because the new statement does not include the latest payment. For example, I paid XX/XX/XXXX payment on XX/XX/XXXX. I paid current payment and added payment principal payment of {$150.00}. Statement dated XX/XX/XXXX ( attached ) and received on XX/XX/XXXX shows a past due balance. 
Seterus consistently issues monthly statements prior to the XXXX of the month, causing the perception that the payment is late, thus allowing them to omit applying most recent payments and incurring a higher mortgage balance as a result. If there is no grace period and the payment is in fact late, why does the late fee begin after the XXXX. This policy has negated all of the extra principal payments we have made, although Seterus denies it, but simple math indicates otherwise.
I am trying to resolve ambulance charges for my elderly mother in XXXX XXXX. The charges were sent to Credence Resource Management in XXXX, and they are still unresolved. Mom ca n't hear and has XXXX that is progressing rapidly. I started contacting them in XXXX and they refused to talk to me. Their XXXX letter/bill to mom said that she OWED over {$1700.00}. But I see today on a Medicare statement dated XXXX XXXX, XXXX that Medicare PAID all but {$110.00}. Why were they asking for the full {$1700.00} in XXXX and until today? 

I submitted POA papers to Credence ( to get them to TALK to me as the daughter ) in XXXX and they said they never received them. Sent another large packet of papers including POA papers in XXXX with a signature receipt from XXXX XXXX. I received confirmation and signature from XXXX XXXX that Credence took delivery on XXXX XXXX. When I called on XXXX and XXXX Credence said they still had not received it. Their own internal paperwork is lacking! 

Today XXXX XXXX XXXX talked to Credence for a LONG time. They finally confirmed that they have the XXXX papers and can talk to me. They also confirmed that the bill was sent to Medicare and that Medicare partially paid it. {$110.00} remains to be paid. 

Mom has secondary insurance with XXXX XXXX XXXX XXXX - XXXX XXXX insurance. Credence REFUSES to send the remaining {$110.00} expense to XXXX XXXX XXXX, because they claim that it wo n't be covered. As I understand it you should just submit the expense and let XXXX XXXX XXXX determine if it is covered or not. 

Mom had an earlier ambulance ride XXXX XXXX XXXX ) that was FULLY covered by the combination of Medicare and XXXX XXXX XXXX. That is why I am insisting that the expense be submitted to XXXX XXXX XXXX. 

Please HELP get Credence to SUBMIT the residual {$110.00} expense to XXXX XXXX XXXX! 

P.S. This form is being submitted by the daughter who has POA. Mom ca n't hear and has XXXX which is rapidly progressing. I am just trying to resolve this bill.
My mortgage company drafted an unauthorized payment from me on XXXX. I 've been in contact with them multiple times to get the payment refunded to me and they are completely unresponsive.
I recently applied for a XXXX XXXX product, a checking account. I was informed that I did not meet the expectations, hence declined. I assumed that as a result of this inquiry my credit card company has usage imposed restrictions on my credit card ( longer holds, etc. ). Nonetheless, I was told I had a right to know what my credit report had that I was not aware. The agency they reference in the letter was Checksystems. My experience in the past was very negative. I requested a report about three months ago and never received such request. I wondered what is being reported since I was rejected. This is not the first time I have encounter rejections referencing information on consumer report. I have filed previous situations with this agency about them.
Just checked my credit report on XXXX XXXX and seen an account in collections for a payday loan which I did not take out. 

XX/XX/18 Mw Rec Sys {$310.00} Read up on the collection agency and it turns out they're known for payday scams. Also, my bank recently cancelled and reissued my bank card saying my information may have been compromised.
I was in a car accident and my car was deemed a total loss. My insurance company paid off the lease and I had to pay the deductible. I paid more than XXXX of the deductible, but before I could pay the rest it was considered a loss and charged off by Ford Credit. I only found this out when I received a copy of my credit report. I never received any phone calls or letters from Ford Credit stating that it was going to be considered a loss and charged off. When I called Ford Credit they told my Husband and me there was nothing they could do to change that. They claim that they notified us but we never received anything from them saying that they were charging out account off. They also claim to have discussed this with my husband about this being charged off when they spoke in XX/XX/XXXX. The only thing they discussed was about him emailing a copy of the police report and insurance information to them. They had no previous problems reaching me before when they had questions about the accident and we have always received our monthly statements. We were never late or missed a payment during our 3yr lease. As a matter of fact the replacement car is leased through Ford Credit. My husband also drives a Ford. After the current lease is done we are done with Ford if this is how they want to treat a loyal customer. Both of us had great credit scores and that has suffered because of this.
On XX/XX/2016, I received a notification letter from Navy Federal Credit Union making threats to repossess my XXXX Nissan Pathfinder stating that it will be used as partial collateral on my auto loan account which Navy Federal Credit Union claims is in " default ''. My account is not in default and I have been making monthly payments but the collection department does not seem to have records of my payments but the other departments have records of my payments. I am getting daily calls and computer calls from them about an account that I am making payments on. The number that the Navy Federal Collection Department is calling me from is XXXX.
This was a lease that I entered into with GMfinancial. The agreement opened on XX/XX/XXXX and ended XX/XX/XXXX. It was a 36 month lease term that ended early. I choose to end the lease as my wife was over miles 2 months early. GM and I worked out the payments need to complete the agreement, which I paid in full. The total of {$2700.00} was paid for early termination and mileage. I opted to ground the car at the dealership that I purchased a new GM car from. Throughout the life of the lease, I had an excellent payment history.

GMFInancial is appearing on the derogatory section of my report. This should not be derogatory and be removed. This has hurt my credit score and resulted in high costs to buy another vehicle. I have been unfairly affected as a consumer by this error and should be compensated.
I have a mortgage with Flagstar bank. In XX/XX/XXXX they increased my payment by about {$40.00} per month, But did not inform me of this until XX/XX/XXXX. I found out by them returning the payments I had made of the amount i believed was correct and adding a ton of fees ( now owing over {$8000.00} ) and threatening foreclosure. I tried many times and many ways to work with them, their loss mitigation and their lawyers. I just received the run around and more foreclosure notices, As they kept saying they were n't receiving enough info even though I resent and had proof they ( all 3 parties ) would tell me do n't worry you have time. Then I had a sale notice on my door for all the neighbors to see. Then in XX/XX/XXXX ( yes only a month since this all began not much time is it? ) and their fees and charges are unreasonable for me to pay and still no answers and just extremely rude if they did respond. I was forced to file chapter 13 bankruptcy just to keep my home. That went through on XXXX ok all good right?? No they are still not accepting payments from trustee adding a ton of fees and now threatening foreclosure again sending bills and letters every week this has put me and my family through so much mental and financial stress its been a year of them harassing for which I believe was their mistake.
The company gives harassing calls 8-10 times a day. Also calls my work 3 times in one week. I am only 1 week late paying my bill.