WillisBack/dataset-financial-user-claim huggingface dataset:
A foreclosure on my property started in XXXX by Chase They first denied me, and then they ended up giving me a modification, with a payment that was very doable, only to find out that there would be a balloon payment due in XXXX of XXXX of approx. XXXX, which is unheard of - even the loan mod. rep. was surprised they gave me the modification. She said they should not have given me the modification with such a short term before the balloon payment. I made the first few payments, and then I put the house on the market and moved out in XXXX of XXXX. I did not get any offers that would satisfy the debt so the real estate agent started a short sale in XX/XX/XXXX. of XXXX. In XXXX of XXXX she essentially gave up and the buyers wanted out as well. I was moving to California in XXXX XXXX, XXXX, so I agreed to let them out of the deal, and I called the mortgage company ( Chase ). I told them I wanted to just give the property to them, possibly do a cash for keys. The rep. told me I had to 8 weeks from XXXX/XXXX/XXXX and them ask to have the debt discharged and possibly arrange a cash for keys. I waited the 8 weeks, but when I called they had sold the mortgage to SPS. The SPS real estate agent then called me and told me to turn the water back on and she was going to get it on the market and not to worry she had experience with short sales and would get the job done quickly. She got some offers, I accepted XXXX - again it was going to be a short sale. She told me it would be closed before XXXX. It was not. We had a freeze, the pipes burst, water was pouring out the front door for I do n't know how long. Ceilings caved, floors buckled, mold started forming. Nobody called me, they called the agent - who did not respond for a few days. In the meantime, the City came and turned the water off, but it had been some time. I only found out after my daughter went to visit a neighbor that this happened. Still the agent told me not to worry. The buyer would just put in another offer for a lower amount due to the damage, and we could still move forward, and if that did not work out she said she knew someone that wanted to buy it as is and flip it. About XXXX2 weeks later I found out it was condemned - again through a neighbor that happened to talk to my daughter. The agent still persisted. It is now set to be demolished by the City of XXXX. I have 10 days to respond and get a hearing date at my expense or it will be demolished at my expense. 

I told Chase and XXXX several times along the way I could not afford to take care of it, but they said they could not do anything else but move forward with the short sale. I begged them to take it from me - the rep. did not want to listen to anything I had to say. At XXXX point, the loan docs sat on someones desk ( in XXXX XXXX ) for about 45 days with no action until I started bugging them and the real estate agent. 

I have not made a payment for over two years! I do not understand why this is still my property. I could not afford to keep it, and I certainly can not afford legal counsel or the cost of demolition ...
I went to XXXX of XXXX XXXX XXXX XXXX XXXX HillsCA XXXX phone # XXXX asked XXXX XXXX times on XXXX XXXX that how much It will cost me? I also told her that I have only XXXX XXXX, and she replied your payment will be XXXX '' If she would have told me the amount, or not covered by XXXX 100 % I would not have gone there. After some time I started receiving call to demanding money. I kept telling that XXXX told me that payment will be XXXX so I am not going to make any payment so Firm went to collection agency, XXXX. Collection agency stat writing threatening letters and wrote me that if I do not pay, it will be reported to credit bureaus. 
On XX/XX/XXXX when I received my credit report. In spite of writing all explanation XXXX collection agency ( and provided all documents ) reported to credit bureaus I think it is not ethical because collection agency should investigate XXXX. I thought collection agency would investigate to find out what is the truth. It is not fair to report to credit bureaus without conducting investigation. What kind of protection consumers have? Is it fair to consumer to suffer because provided wrong information or it is it by law that collection agency destroy any body 's reputation? Is it not responsibility of collection agency to report its finding? 

Is not consumer protection agency main function to protect consumer? 

Please help me
On XX/XX/2018 I sent Diversified Consultants a letter requesting validation on a debt that is appearing on my credit report. On XX/XX/2018 I received a 3 page response that has a two page bill from XXXX XXXX XXXX dated XX/XX/2018XX/XX/XXXXfor {$640.00} along with a letter from a Diversified Consultants that is dated XX/XX/2018. A bill is not a proper validation of debt and they are not genoriginal owners of the said debt. They also were not able to provide validation of the debt. Attached are the actual documents that were sent.
I had old water bill accounts from city XXXX ca water department.bac in 2010 I work out I payment plan with bill from the billing department.i paid all old accounts off .and I got a letter from grant mercantile collection agency.telling me I still owed those bills I paid to city XXXX.i told them I have paid these accounts off.and im infect in good standings with them .I also ask they confirm this info with bill give them his info.since then all I keep getting is old bill information I also dispute.it with credt companys.the information they recvied from grant mercantile is wrong and aginst the fair cedit act
I have an account with  ACS Education Service.  I called and asked for the paperwork to do an income based repayment plan. I stated that I want to start paying the loan but I could n't afford the  XXXX  dollars monthly payment. I also asked about the deferment since by the definition on their website, I fall under this category. The individual was rude and told me that I 'm not on  XXXX   XXXX . I asked her to explain since this was and has. been my status for the past 10 years. She stated that I did n't qualify but of course she could put the loan in forbearance ( of course, because it accrues more interest and they always give this option instead of trying to work with me to actually get the payments to an affordable amount ). She stated she could send me the paperwork, fill it out and send it back to them. I did this, then I was told o, your application was n't accepted because that 's the wrong application. But this is the application that you sent me. I was very specific in I wanted to apply for an income based repayment plan. Then I was told to redo the paperwork. I did this. This time I was told that my tax return was illegible. How is the application legible ( which was handwritten ) but the tax return, printed directly from the tax servicing company illegible. Then AGAIN, it was reported to my credit report that I 'm past due. I keep going in circles with this company and I will reconsolidate with another company. It is ridiculous that this is the second complaint I 've had to make about this company. When I call into customer service, the agents are so rude and they either want you to pay or put it in a forbearance. They are absolutely no help. My last complaint, the agents kept telling me to call the  Dept of Education, k nowing fully that they have nothing to do with a pre-existing loan. I 've faxed my application to this company several times and as much as I follow the directions given on the paperwork and by the agent, I still get a letter saying my paperwork is denied. The only time I 've gotten anyone that actually wanted to help and took the time was individuals who called after I made the complaint. EVERY call to customer service has been rushed, rude, given misinformation/false information and made no progress in resolution to pay my student loan.
I have been disputing the consumer credit reporting agency, Experian for 20 months. I have sent affidavits, police reports, certified compliant/demand letters to Experian. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that Experian added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX, XXXX XXXX/XXXX all XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. My last certified letter that I sent Experian was on XXXX XXXX, 2017 and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.
The services received from the original creditor we're covered under medical insurance for mental health with a {$0.00} copay medical insurance was billed and then I received bills from collections agency saying I owed money when I didn't see anything because the services were covered
I was astonished after I viewed my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 60 days past due as of XX/XX/XXXX.
I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
On XXXX/XXXX/2017 +/- 1 day ( near XXXX eastern US time ) I logged into my Coinbase account after about 18 months of dormancy. I was surprised to see a message that Coinbase was in the process of closing my account and that I needed to transfer any remaining funds to an offsite wallet. I noted that I had the amount of XXXX Bitcoin in my account. There was no explation as to why the account was closing so I assumed it was because I had n't used it for some time. 

I went to XXXX where I have an account and obtained a Bitcoin deposit address that I copied and pasted to the send to box where I wanted the residual Bitcoin funds sent to. I pushed the transfer button and got a message saying the transfer was successful and then another immediately after saying my account was now closed. 

To date, the funds have not been received into my XXXX account. I tried numerous times to contact Coinbase. In one case I was able to speak to a customer support person who told me they would escalate the matter to an accounts payable analyst and confirm that with an email to me. I never received an email or any contact with Coinbase. I also contacted XXXX customer support who said it did n't appear Coinbase ever tranmitted the exchange.

I have screenshots of the address where it was to be sent to. I tried calling Coinbase many times, opened numerous support tickets, all to no avail.
My personal financial information was compromised as a result of the recent Equifax data breach. 

Equifax 's public response and offer of remediation is wholly insufficient. Given that my SSN was stolen, a number that will stay with me my entire life, a year of free credit monitoring is not enough.
I received a call on XXXX/XXXX/XXXX from a " XXXX '', who did n't say what organization she was from until I asked. She said she was with C & M Associates group trying to collect a debt from a XXXX XXXX Account I had. When I questioned the validity of the debt and asked to speak to a manager to obtain more information regarding the amount and more specific details, I was referred to a XXXX XXXX who essentially berated me on the phone in a derogatory manner. When I asked for his address or physical location address he could n't provide one. On XXXX/XXXX/XXXX -- The next day I called XXXX XXXX XXXX, but they were unable to provide an update status due to the age of the account, they could n't tell me how much was owed, what was rented or the last date of payment or what address it was associated with. It just stated it was a " skip '' account, but nothing more. The fact that they it did list an account, I assumed perhaps the account was valid, so I called the collection agency back to see what arrangements could be made to settle account. ( Note this account is not appearing on my credit file currently ). She ( XXXX ) said they would be able to settle the account from the {$5000.00} that was owed to {$1000.00} via way of 5 monthly bank drafts which I had initially agreed to. But then when I hung up and researched the company more, I could n't find them on the internet, no physical location listed or anything. I did see numerous complaints filed via XXXX though. The one phone number I did find was an XXXX #, and when I called it, an " XXXX '' answered the phone but she sounded very much like " XXXX ''. XXXX said that once the arrangement was made she would be sending me a confirmation email of the arrangement. I have yet to receive such confirmation. By XXXX, I contacted my bank to close out my account for I felt that request was payment was fraudelent and changed my phone number also to prevent harrassment. This person was also calling my family members harrassing them. I was advised to contact the police who advised me that this sounded like a collection scam and that I should contact the FTC -- who advised me that I should file a complete here with Consumer Finance. If possible, please stop the activities of this collection agency. This is the only number I have for them XXXX XXXX XXXX. Any assistance you can provide would be great. If I do owe XXXX, I would gladly work with XXXX to get that resolved, but they do n't even have that information in their system anymore. What would be my rights be at this point for an account that old when the company has no record of any information for that account. Any information you can provide would be greatly appreciated.
This is regarding my Amazon acct from the title of the company. I have an Amazon acct in good standing that can be verified. I even have a credit amount with them currently that I pay on monthly and have never missed a payment. 
I am a XXXX member, and have bought dozens of items over the last few years, always paying for my items up front before delivery. 
I had, or have a credit account that I had an XXXX credit card for, and bought some solar panels and batteries a couple few years ago which I am still paying off and always on time. 
The credit underwriter has refused to give me access to what s/b my credit line with them, even though I haave continued to pay down my original credit line of I think it was {$1600.00}, and which now stands at {$1000.00} or close to that. 
So this " other '' Amazon acct shows it was written off some time ago which I do n't understand because I 've only had XXXX acct with Amazon for years now. 
The only thing I can think of is that when I filed for bankruptcy in XXXX that it might have been part of that, but I do n't remember. If it is/was from then it should have been taken off my record since it was over 10 years ago now and already charged off. 
Amazon is free to view my current account standings, and it should reflect that I even bought XXXX items yesterday on XXXX/XXXX/XXXX, and that paid in full.. 
Amazon can also check my credit line (? ) status and see that I 've been a loyal and faithful customer and payee to my credit acct that I have set up for automatic payments each month. 
And have never missed a payment I believe. 

I would like Amazon to audit their records on this account problem because even though I have an account of what I am certain s/b in good standing, this continued bad debt keeps showing up that I believe I do n't owe, and it shows being charged off, and yet for some reason they are showing a missed payment on this " other acct '' that I 'm suppose to be being charged for and yet have never ever received and bill or notice about, even though I pay them religiously on my real credit acct and have bought dozens of items through my Amazon acct and not once was informed about this or where it comes from. 

So I am pleading with Amazon and their accountants to remove this {$250.00} item and charge it off or something and close this matter once and for all. I believe it 's a hindrance to me being evaluated by other company 's for possible credit consideration. And I 'll say that I hope that someone who audits this wiill understand that thiss was something that somehow found it 's way outside of the regular accountant channels and should therefore close it and take my name off it and not punish me for bringing it up to them. 
Whoever is assigned this I appreciate your time and due diligence in helping to resolve this matter and get it finally close this matter again ... .once and for all.
I contacted the original creditor of the debt who advised the amount the agency is reporting on my credit report is inaccurate. The original creditor and agency have continuously refused to validate the debt after several requests were made.
I received a call today from an aggressive collector at Summit Receivables regarding a payday loan he advised I obtained in 2009. I did not recall anything related to what he was talking about. He advised if I did n't have the {$1100.00} today they would move the file to the legal department for asset and income verification. He then asked me if I have ever been sued before. I asked if that was what he was going to do. He repeated the question. When I advised I had to go as I was at work he then yelled " Stop being a degenerate and pay your bill ''. I advised him this was an FDCPA violation and he then said " No, it 's not '' and then hung up.
I have sent out numerous certified letters to the credit bureaus to remove these accounts which were purchased by a collection agency I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. they didnt do that first they have committed identity theft
applied for a loan not seeing the payments go down on paying on a XXXX dollars loan for almost a year. XXXX a month. Times XXXX {$500.00} per month. 
currently interest rate is 198.15 %. military lending act only goes up for service member up to 36 % please any assistance would be appreciated. 

Thank you.
I have credit card account with Macy 's in which I keep seeing random interest charges and late fees without any rhyme or reason. 

Even if I pay the amount in full they charge me with finance charges or interest charges. When calling their customer care department they waste a lot of time and then ultimately realize that the interest was incorrectly charged to the account. 

On another occasion, they started charging me interest on a 24-month long interest-free purchase saying they have no previous record of when the amount was charged. They only saw the outstanding balance and started applying the financing and interest charges without any logic. When questioned they reversed the charges but they have been a pain to deal with. It takes 4 hours to get to the actual agent who fixes the issues. It is insane how systematically they are conning their customers without their knowledge.
XXXX XXXX has committed insurance fraud. She claimed visits that I never made/attended. She received payments for services not rendered because I was never there on certain dates. She runs a business out of her home and has no legal process for check in/check out, or billing. I believe she fabricated invoices because again, I never attended the number of sessions she claimed and received payment for. She ruined my credit, caused me undue distress, and harrassed me over a debt that was paid promptly by my insurance company. According to XXXX XXXX, she repeatedly sent duplicate claims to them, stating she was not paid. 

She does not have proof of my visits because she never asked me to sign anything upon arrival ( aside from my initial assessment ). There 's no proper check in process. She told me she would just give me a certain diagnosis over the phone so that XXXX XXXX would cover my visits. Then after XXXX XXXX sent her payments, she called me and told me they were cancelled and I personally owed her money. She then proceeded to threaten to take me to court if I did not pay her. 

XXXX XXXX paid all of the claims she submitted in a prompt manner, and she continually harrassed myself and XXXX XXXX, stating we owed her more money. I have proof that all claims were paid ( cashed checks made from XXXX XXXX to XXXX XXXX, as well as a ledger ). I 've repeatedly disputed this with XXXX and am in the process of disputing with the XXXX other credit bureaus, and according to XXXX, XXXX XXXX refuses to remove this from my credit report. My account was closed on XXXX/XXXX/12 according to my credit report. However, she refuses to remove it and it should have never been on my credit report.
On XX/XX/2016 Costco changed from XXXX to Costco Anywhere Citi Visa. On XX/XX/2016 I paid {$5900.00} to XXXX. On the first statement from Citi Visa I received a bill for {$5900.00} the amount that I had paid XXXX ; Citi informed me that I had not paid XXXX and therefore ; I needed to pay them. I informed them that I had payed XXXX and sent them a copy of my bank statement that showed the {$5900.00} being deducted and payed to XXXX. Citi Visa refuses to correct their mistake and issue credit to me for {$5900.00}. Because Citi Visa has not corrected their mistake my credit score has been down graded and when I tryed to refinance my Mortgage I was told that I was going to pay {$250.00} more because Citi Visa had reported that I was late with payments. Customer Service at Citi Visa has told me on different occasions that they had found the payment only to receive letters later informing me that I still owe the {$5900.00} because they had not found the payment after all. I have been trying to get this issue resolved for over 9 months.
On XX/XX/XXXX and XX/XX/XXXX I have reached out to TransUnion to remove All Unathorized inquiries. 

They have failed to remove any of them. 

I need help!
Made a substantial payment to my TJ Maxx Mastercard with XXXX XXXX. Payment was made on XX/XX/XXXX and debited from my bank that evening. Finally showed up on XX/XX/XXXX as a payment. Inquired why my available credit wasnt updated. Was told by CS rep that my payment would not be available until XX/XX/XXXX which is 9 days later. Never paid late. Always paid outstanding balance each month. When I inquired about why I was penalized for paying my outstanding balance, was told I was a high risk from their risk dept. Nothing in my history warrants this treatment. CS reps were very rude and insisted I was the problem.
I recently became aware of an entry on my XXXX report. I moved from California in 2010 and advised the post office of my change of address. The agency purports that I owe money for services I do not recall having. I asked for the original creditors name and phone number and was refused. Additionally, the phone numbers they claim to have reached me on are all not mine. When I disputed this with the creditor and asked that they show proof, they re-aged this account on my credit report. They failed to report this as a disputed account FCRA Section 623 as well as re-aging my account. 
I am asking Experian to validate this purported debt and remove from my report.
Midland Funding , LLC is attempting to collect the debt that I do n't owe. I never establish a contract with this company. Furthermore this company is violating the FCRA by placing a negative negative tradeline on my credit profile and they are tarnishing my name.