WillisBack/dataset-financial-user-claim huggingface dataset:
I'm am disputing this debt and have filed a complaint with Washington State Attorney 's Office against XXXX XXXX XXXX XXXX XXXX   and Diversified Consultants, Inc. XXXX for Breach of Contract ; Failure to Providing Service ; Bait and Switch Sales Tactics of XXXX XXXX Contract and Billing ; not providing me with a written wet contract when asked ; unauthorized use and fraud of my digital signature ; providing only a Ipad contract which I don't own a XXXX, and Double Billing Fraud. Failure to act in good Faith by not responding under Contract Law, and Bait & Switch Sales/Billing Tactics. This is the four time I've asked CFBP for information of reported debt filled by XXXX, and they wouldn't respond ether to the Washington State Attorney 's Office ; and which XXXX drop the claim. Then I get hidden post card mail from their other collection agents, that looks like junk mail in my junk mail this one is for addressing is from Diversified Consultants , Inc. XXXX saying XXXX has filled a Debt Claim. If XXXX doesn't response to the State Attorney 's office or Federal Agency 's Complaints how can the they really be acting in good faith during the sales and service contract process. XXXX is using double billing and triple collection agency business practices buy using three separate collection agency which is against Federal and State laws. 

I'm asking XXXX and Diversified Consultants, Inc. XXXX to provide the full names and information of all Agents representing XXXX that where responsible for the negotiation of the implied legal Ipad contract and security procedures for my digital signature. Information on XXXX training/licensing program for Agents representing XXXX during negotiating legal contracts with the public and/or consumers. The Full names and Titles of the Agents representing XXXX in contracts, communications, and not abbreviated names like ( XXXX XXXX ) example. The Agents names, titles, contact information of XXXX Executive & Regulatory Services department or the department responsible for overseeing debt collection and all legal contract matters.
Transunion, XXXX and XXXX reporting for Acct Number : XXXX : On XXXX, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on Transunion it is reporting Date of Last Payment as XX/XX/2012, and on XXXX, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all XXXX credit bureaus XXXX, Transunion, and XXXX pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are reporting
I have never been late paid all payments on time. this is effecting my life with this inaccurate. 
1.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX business credit card which should not be on credit XXXX and XX/XX/2018 XX/XX/2018 XXXX XXXX never late XXXXXXXX XXXX XX/XX/2018 XXXX XXXX note my account for XXXX XXXX XXXX never late XXXX XXXX and XXXX this has happen before
I received an email that a collection had showed up on my credit report. I was not contacted by nor did I receive any notification prior to the collection appearing on my credit report.
My boyfriend submitted fake check stubs to obtain a vehicle loan and is now hiding the car because he is unable to make the payments.
I created a checking account on  XXXX / XXXX / XXXX  at  Webster  Bank at  XXXX   XXXX , Cambridge. There was an ongoing promotion of {$350.00} for the said checking account which is why I created the account. There were several requirements to get the promotion, and I successfully met all the requirements they asked within the time line. After 3 months, I even verified with the in-branch representative and the rep said I fulfilled the requirements and I would get the promotion value in a short time. However, the promotion value did not show up after a long time, so I asked again multiple times via phone and via secure messages in web service. Every time, I was confirmed that I was/am eligible for the promotional {$350.00}, and I just needed to wait while longer. This conversation went on and on. The first inquiry started at the end of  XXXX , and the most recent inquiry is  XXXX / XXXX / XXXX . They still say that I 'm eligible for the promotion, and I need to wait. At some point, they gave me some specific date that I would get the promotion, like  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX , but those never happened.
Sullivan & Terranova and XXXX are continuing to threaten to garnish my accounts on a fraudulent Judgement. 
I received a letter in XX/XX/XXXX from Sullivan & Terranova demanding payment on a Judgement that I did n't even know existed, I had no knowledge of this Judgment, and XXXX with Sullivan & Terranova was the one to send me the letter. I contacted XXXX to find out more information ; it was then that he informed me that there was a judgment against me in California in XXXX. I explained to him this was the first time I was informed and asked who the company was that was claiming this debt against me, I explained to XXXX that I never had knowledge of this claim since it was never on my credit report nor had I received any letters to give me an opportunity to dispute the debt as I learned after calling and speaking with XXXX bank to get more information, It was then that I learned that this credit card debt they were claiming I owed was in fact a fraudulent account and this was not my debt. XXXX Bank told me they had no records nor any contracts for this claimed debt signed by me, XXXX bank informed me they sold the fraudulent account to XXXX. 
Sullivan & Terranova continues to ignore that fact that, this is a fraudulent claim and continues to threaten Garnishments and demanding payment. 
Recap, a fraudulent credit card debt placed for a judgement in XX/XX/XXXX, I was NEVER notified to be given the chance to dispute, account was never opened or signed any contracts by me. 
Sullivan & Terranova ignore this and continue to threaten garnishment.
Repeated robocalls from Portfolio Recovery. The calls come from a different number each time so they are difficult to block. I do not even have any debts so I do n't know why they keep calling me. My number is listed on the Do Not Call List.
Mr.Cooper /Nationstar Nationstar has charge me double the escrow in my previous modification which made. my modification unaffordable. I have a document from their attorney XXXX XXXX as proof. Now they state I have reached my maximum modification but they were calculating it incorrectly. I have suffered from medical issues, loss wages and recvd a XXXX XXXX from XXXX XXXX.I have found employment and can now afford to pay but Mr.Cooper will not give me the modification i need to save my home. You can not count modification that have contributed to my hardship making it difficult to meet the payments and errors on their part.They charged me {$1600.00} and {$1700.00} amt of last two modifications. It is now XXXX per XXXX XXXX there attorney who found the discrepancy. I need someone to hold Mr.Cooper accountable for their actions and give me a modification or reinstate my loan as i owe more than home is worth.I was Injured, had XXXX out w/no pay, diagnosed w/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and and gov't put me in no pay status 6 months pending determination from doctors the removed me medically. I explained this hardship to Mortgage when i applied for a forbearance through Community Link/NC Foreclosure Prevention summerXX/XX/XXXX. They denied forebarance and never informed me when i called regarding fall XX/XX/XXXX modification application the told me they treat forebarance like modification and denied me. 
I wouldn't be so far behind had they calculated my modifications correctly. 
In addition, the investor XXXX wants me to pay {$15000.00} then XXXX a month for 6 months the mortgage of {$1200.00}. to get modification. Ridiculous! The other two investors agreed to give me a modification. 
If you have any questions regarding the investor 's please feel free to contact The reinstatement Program at XXXX ext XXXX XXXX he is trying to assist me with the modification. I received a sale date of XX/XX/XXXX two days ago while XXXX   was communicating with last investor. 
Please help me.I am a single mother and I want to keep my home. 

Thank You XXXX XXXX XXXX XXXX XX/XX/XXXX
Greetings, I opened a banking account with USAA on Sunday and I deposited {$25.00} dollars from my other banking institution and on Monday, I also spoke with an agent in regards to the account and she told me that everything was perfect and that my personal check and debit cards is on the way to my house for myself and my wife. 
Today, as I was revising my account, I noticed that the {$25.00} was OFFSET, so I called USAA and the agent informed me that the {$25.00} was used to pay a debt I supposedly have with USAA for the sum of 5 thousand dollars plus, which is completely bogus and I told her thank you very much and she also informed me not to deposit anything into this account because they will take it to offset the negative accounts. 
Now, let me fully explained what happened with USAA and the abuse and unjustice they caused me and my family during the year of 2012 when we were in the XXXX XXXX. My card and all of my personal items was stolen by armed robbers and they used my cards to go on a spending streak, now when i called all of my cards company and banking institutions as well as the US embassy in XXXX XXXX, everyone and companies was very helpful and closed my accounts and reimburse all cash that was fraudulent. Except the big boy USAA and one of its representative that was so rude to me stating that i had log in my account why did i not say anything and that it was not a fraud claim and there's nothing that they could do for me. I couldn't argue or anything because they did not give me any opportunity. I never in my life felt so direspectful by a company and abused by a company like USAA and I need help now, because they are the ones who owes me {$5000.00} dollars for suffering, I had to borrow money in order for me and my family to get back in the states and this is not the first time that I've heard about this type of unjustice. These agents are above the law, rude and treat you like you are the robbers it is time to get justice, I had let it go since I couldn't win but for them now to take {$25.00} from me to open a new account which they allowed me to open it's reason enough to show the unjustice of this company and yet they keep saying that they are out to help military and their families? where is the help USAA?
On XXXX XXXX 2015 I noticed that Equifax has an old address as my current address and my current address as an old address. What is more, Equifax lists the incorrect current address ( i.e., my old address ) as being reported with an older date than the correct current address. I tried that day and today via online and telephone to have Equifax switch the XXXX addresses. The wait times for Equifax are inordinately long. The process Equifax wants me to go through to have the correction made because of their incorrect processing of my records is onerous. I am paying Equifax for a credit monitoring system and I am subject to shoddy record keeping and grossly poor customer service. Please have Equifax fix my record -- the record they are n't keeping correctly. Thank you. 

XXXX
I have disputed several incorrect and inaccurate items on my Experian credit report. Unlike XXXX and XXXX, who both performed proper investigations and ultimately removed the accounts from my reports, Experian never performed a legitimate investigation. I received a letter from them dated XXXX XXXX, 2015 that they previously processed my disputes and that the credit grantor has verified its accuracy. This is impossible because the other XXXX credit reporting agencies were unable to verify it, thus deleting the bad information. Furthermore, Experian refuses to reinvestigate the same dispute. This is absolutely ridiculous. So instead of submitting electronic disputes, I sent dispute letters in the mail. I received another letter dated XXXX XXXX, 2015 saying that Experian believes they received suspicious requests in the mail regarding my personal credit report and determined it was not sent by me. How can they possibly determine this when the return name and address on the letters belong to me, and I personally signed each letter and included my social security number. They simply refused to comply to my dispute requests and delete inaccurate information they are displaying from the following creditors : XXXX XXXX, XXXX XXXX XXXX and XXXX Bank. Moreover, they have restarted the 7 year time clock for which these tradelines naturally drop off of my credit report which is yet another violations of the FCRA. I am utterly disgusted with Experian and request a full investigation of their practices along with my ignored disputes.
I am getting telephone messages about " personal business '' from XXXX for a month. Calls come twice a day. They are robocalls. I am not aware about any debt that I own as I pay all my bills on-time and never received any paperwork from missed payments from anyone. I called the number back on XX/XX/XXXX and was told that my number is not registered in their database. However, the calls are continuing to come. Even today, Sunday, XX/XX/XXXX, I received 2 calls. When I called back, the message is that the business is closed.
LoanCare A XXXX did not collect enough in escrow for 2 years and sent a letter increasing my mortgage payment by {$540.00} per month. I can not afford to make such an extreme increase in payment per month.
I have been receiving threatening and harassing calls from Premium Asset Services in XXXX XXXX, CA XXXX. They called my employers twice, today and yesterday pretending to be a mortgage company. I attempted to find out what they were calling about, they refused to tell me unless I confirmed my social security number. When I refused to confirm my social security number over the phone, they threatened to sue me and have may wages garnished. I was transferred their so called legal department and threatened with court proceedings as I did not want to confirm my social secuirty number over the phone, stated that they would not give me any information without doing so.Case # XXXX I checked my credit report, I do n't see any company by the above name. I have a discharge bankruptcy and my accounts that were in collection were included in bankruptcy and charged off. I have never dealt with any company by the name of Premium Asset Services. When I googled them, the information was that they are a scam company and they have an F grade on the XXXX. 
Thanks
Someone who always responded to the cfpb through the United States Department of Treasury had never mentioned  XXXX  on the response letter which always showed some signs of forged power of attorney. Someone always claimed to be a senior corresponden t specialist. What a specialist? As a reminder, the answer to the complaint portal questionaire " Should we send status updates to anyone else about this complaint? '' is no. But I noticed that a diversion trick is in place which already disparaged the server to " Yes ''. I suspect foul play at the US senate intelligence committee or USDOJ or another intelligence agency which is rigging unidentified interest by evasion. And again., " I do not  think so ''.
I opened an account with XXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX and explained the problem. They accepted payment for {$190.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$440.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$150.00}.
We are trying to short sell our property. We had a buyer approved and set to close XX/XX/2016 at {$230000.00}. That buyer could not sell his home. We have another offer and Caliber is telling us that their investor will not accept? Thye appraised it XX/XX/XXXX at {$230.00}!!!! This was their own appraisal!?
I have a Balance of {$530.00} on my Bank of America credit card but I am not allowed to make a payment online at www.bankofamerica.com, the Bank of America mobile app or over the phone because I dont have a personal or business Bank of America checking account. 

Im being told by Bank of America customer service representatives that they will need a checking account and routing number from me in order to process a payment because they dont except debit cards, which is a plastic payment card that can be used instead of cash when paying bills or making purchases. It is similar to a credit card, but unlike a credit card, the money comes directly from the user 's bank account when performing a transaction. 

If I am using a Bank issue debit card, whether it be from Bank of America, XXXX bank or XXXX Bank, and the money will come directly out of my bank account, why does Bank of America or any other credit card provider need my checking account and routing number? This makes absolutely no sense at all. I dont want to provide Bank of America or any other bank with my personal information from another bank and I shouldnt be required to do so. This is a stupid policy that the Consumer Financial Protection Bureau needs to force banks to change.
Chevron is reporting me on the credit bureaus as past due 90 days. This is incorrect, I was never late with my payments.
After we bought homeowners insurance from XXXX XXXX XXXX. On XX/XX/XXXX we had our agent Notice our mortgage co of same. XXXX refused or neglected to accept our regular mailed notices from our agent and from ourselves to three different XXXX offices in MN., IN. and Texas so we finally sent notice by registered mail which they accepted in XX/XX/XXXX but not before they bought a property loss policy with coverage to under {$400000.00} while our mortgage was over {$850000.00}. We could not understand why they would buy such low coverage. 
Now we think we know. 
By XX/XX/XXXX we increased our coverage to over XXXX XXXX including our personal property and told XXXX to obtain a refund from their insurance co. and credit our escrow tax & insurance set aside for {$2400.00}. They admit in letter attached on XX/XX/XXXX they had made a mistake and should have credited our escrow account since XX/XX/XXXX but as of XX/XX/XXXX see attached letter from XXXX they had refused to do so even though we had sent 8 letters and email since XX/XX/XXXX - XX/XX/XXXX. giving notice and requesting credit back into our escrow account. 

The XX/XX/XXXX letter gives us NOTICE OF FORECLOSURE if we do not pay an additional {$2700.00}. into our escrow account to pay our property taxes. We will pay this demand for {$2700.00} under duress even though according to our accounts have {$1900.00} plus the " lost '' {$2400.00} or only short {$100.00}. to pay out tax bill first installment. 

We believe elderly property owners such as us who have a huge equity position in our property are targets for a foreclosure proceeding and that is why XXXX bought such low coverage. On XX/XX/XXXX our home and personal property was completely lost in the XXXX XXXX XXXX in XXXX Ca. Had we not asked XXXX to cancel it 's {$400000.00} policy we would now be forced into foreclosure and possibly bankruptcy. 

We believe XXXX 's policy of buying under coverage policies for high equity properties and rushing to pay for insurance and taxes months before the bills are due is a policy with criminal intent and by delaying or neglecting to restore escrow accounts appears to be fraudulent at best. 

The actions of XXXX has caused my wife and me many sleepless nights and hours of phone calls & letters without end. We as older folks are sometimes subject to these kinds of threats which cause great pain and suffering. We hope you can bring the law to bear on this firm.. 
XXXX & XXXX XXXX
on XX/XX/2016, the sprinkler system in my house failed and cause damage. All state did the evaluation and send a XXXX party check of XXXX named the Bank ( PennyMac Loan Services , LLC ) and homeowner ( me ) has the payee. The agent for the bank instructed me to endorse the check and send them. They will deposit the check and release the funds as the work progress in installment. I did as per their instructions. Made several Phone calls nothing happened. Today is XX/XX/XXXX. 
Now they are telling since we are in bankruptcy/ litigation. We are not going to release the funds.
XXXX XXXX instructed me to make payment through their website on multiple occasions and then hit me for a 30 day late payment when it was not. On XX/XX/XXXX I called XXXX and they advised me they were unable to answer any questions or figure out why I was paying strange payments. I paid XXXX on XX/XX/XXXX and then XXXX on XX/XX/XXXX. My actual payment is XXXX after 6 % tax on the lease. 

In XX/XX/XXXX a customer service rep said she couldn't take my payment over the phone and to pay on the XXXX XXXX  website. I paid it and then I was hit with a 30 day late because they didn't post it for 12 days or pull it from my account. 

This month payment they said is 30 days late too from the XX/XX/XXXX payment date. I called in to change my payment to the XXXX of the month back in XX/XX/XXXX so it fit in with my bonus payment and I can pay the lease payment easier that way. I paid XXXX, on XX/XX/XXXX after I got calls from XXXX saying I was late, then I paid XXXX, XX/XX/XXXX and called XXXX XXXX to find out why the payments were so weird. They were unable to give me a reason or explain as to why it wasn't showing the normal XXXX payment. XXXX allows you to change your payment due date during the lease. I called XXXX financial to help me with this and they set it up and charged me {$30.00} to do it each time. it is clear when they were doing this, it was messing up the payments and the due dates they were using and causing them to hit me with a 30 day late payment. I have " 2 '' late payments with XXXX XXXX and they are not my fault, they are XXXX XXXX error. My lease is done soon and this error will prevent me from leasing thru XXXX and really any other manufacturer leasing company period. I asked them to fix this and all I get is a the run around and a list full of directions on how to dispute their error. Why does a consumer have to do all the work to fix something they simply pushed a button to mess up. I need this fixed asap to prevent me from having to walk to work. I want to go back thru XXXX but this is really unfair and wrong. Please assist me.
Hi there. The company that contacted me is called ERC - XXXX 

This is inappropriate contact due to the fact that they are trying to collect from my grandmother, who lives in XXXX, XXXX, but contacted me about the debt, and I live in XXXX XXXX, XXXX. I never shared a similar address with my grandmother. It is clear that they are attempting to share information regarding the debt with my grandmothers relatives to get us to contact her about the debt. This is inappropriate and just wrong as my grandmothers debt information should never have been mailed to me. 

Here is the information regarding the debt, in case you want verification. 
Creditor : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Amount of Debt : {$49.00} Account Number : will share if contacted Reference Number : will share if contacted
I am a victim of identity theft. The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX/ XXXX XXXX , XX/XX/2018.