WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to you because this debt is too much for me to repay at this time as I am unemployed and I was recently badly injured because I was hit by a XXXX driver. As a result I can not work and I am asking for a deferment and to have the derogatory marks removed from my credit report.
I have a hard inquiry for XXXX XXXX XXXX on X/X/17 as well as XXXX XXXX also on X/X/17 which does not make sense as I have had a lease with XXXX now for 5 years.
This company is contacting relatives and disclosing personal information to them about a debt from a school from a semester I never even attended. They have contacted at least 2 people that do not have permission to speak on my behalf and who the company had to use illegal tactics to get the information.

They called two people on XX/XX/2019. And they disclosed personal details to one and got rude. They contacted one of the same people on XX/XX/2019. The callers name was XXXX XXXX. He told them that I owed {$1100.00} for XXXX ( which I do not ). And threatened to keep calling the person until they got in contact with me. 
I will be contacting a lawyer this week and pursuing legal action for the credit rules they have violated. I will also be contacting XXXX for the false charges from a semester I never attended. 
I have screenshots of the calls and recordings to prove my case.
Account number XXXX XXXX XXXX Its mine. My forgiveness loan is with another company. XXXX XXXX XXXX not XXXX. 

XXXX account XXXX shouldnt be in my report anymore. XXXX XXXX XXXX is my provider for my loan forgiveness Sears/cbna account XXXX thats not my account a shouldnt be in my credit report Home Depot/cbna account XXXX. I reported the card loss to Home Depot in 2013 along with everything in my wallet. Ive been calling them to make some types of arrangements no response. Please advise!!! 

I need help with this matter. I am a XXXX XXXX XXXX with XXXX kids. Just wants to fix this matter as quick as possible to move forward. 

Best XXXX XXXX
I have been unable to reach Trans Union to cancel my membership. They keep charging me {$17.00} a month because they do n't offer an option to cancel auto-pay, but you ca n't reach anyone by phone. 
The website provides only a toll free number to call, but you never get a live person. I have called the number posted on their website ( XXXX ) four times.The hold times ranged from 18 minutes to 43 minutes but I could never reach a representative. The " Click here to cancel '' link is broken, and they do n't provide a chat or email option. 
This seems like deceptive business practices.
I applied for a Lowes credit card. I was enticed by the 5 % discount at each purchase made with the card. I pay all my cc balances monthly so as not to incur interest charges. Lowes ( Synchronicity Bank ) cc charges 24.99 % per annum on unpaid balances. I established a " paperless '' account giving Lowes my credit information including my birthdate, ssn, address, telephone number and annual income. I also connected the card number to my banking information. I made no charges until a recent large purchase, I paid the entire balance at the store because I had n't received a statement. The following month, XX/XX/XXXX, I did n't receive a statement. When I called Synchronicity Bank, they said that there was no email address on the account as the reason they did n't send a statement to me. When I asked why they did n't mail a statement, they indicated that my account was " paperless ''. They had my address, my phone number, and all other pertinent information but they did n't have my email address. They indicated that it was not their policy to determine the email address once they discovered it was missing or inoperative. It is my logically concluded opinion that Synchronicity Bank is using deceptive practices to cause their customers to skip payments wherein they are then contractually allowed to charge 24,99 % annual interest plus late payment charges.
On XXXX XXXX, XXXX I was in court in XXXX Oregon for a claim that was filed against me by the Collection Bureau of Walla Walla XXXX XXXX on XXXX XXXX, XXXX. Listed are bills that include City of XXXX XXXX for {$37.00} which was incurred and the statute of limitations started on XXXX XXXX, XXXX when the account was closed and the deposit was applied. Oregon Law states that the statute of limitations must not exceed 6 years which is 2190 days and this bill was incurred 2205 days prior to filing. So it is exempt. There is a bill for XXXX XXXX XXXX for {$250.00} for eye glass lenses. These were never paid for nor picked up and are still in the possession of XXXX XXXX XXXX  They are not my prescription nor did I order them. In the process of figuring all of this out, Collections Bureau of Walla Walla , XXXX obtained ALL of my medical records without a court order or without my written consent. XXXX advised me on XXXX/XXXX/XXXX at XXXX XXXX XXXX that she had in her possession my medical records that listed my diagnoses, history, and medication. This claim was purposely filed XXXX miles from their office instead of filing it with the court that is only XXXX miles from their office.
Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged CH-XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy Discharged CH-XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
i XXXX XXXX XXXX XXXX have sent complaints to all three reporting agencies about debts that have refused to verify the debts. on XX/XX/XXXX a letter of discovery requesting proof of acknowledgement ; copy of signature on agreement, or acknowledgement of debt document. also requedted was copy of 1 bill of deliquency of debt, and/or debt total ./ repeat letter was sent XXXX, and certified letter in XX/XX/XXXX. all requesting the same thing to these debtors ; XXXX XXXX XXXX. XXXX XXXX XXXX XXXX tn XXXX. amt {$230.00} org. XXXX XXXX XXXX XXXX md. trans union acct # XXXX # 2 XXXX XXXX XXXX XXXX XXXX XXXX, mo. XXXX amt {$150.00} XXXX XXXX XXXX  XXXX. trans union acct # XXXX. XXXX acct # XXXX
I sent a dispute letter in XX/XX/XXXX requesting them to send all future communications via mail. I advised them any attempt to call me would be considered harassment. 
They sent me a letter dated XX/XX/XXXX in response to my dispute, and advising me that they completed the investigation. 
I received a call on XX/XX/XXXX @ XXXX XXXX requesting payment on this account. I asked the caller if she received my dispute letter, she said no, which is false. I also advised that I had proof they received the letter and that I had asked that all correspondence be sent via mail. The caller hung up on me. 

The letter I sent also asked for a 30 day period to investigate this information, during which all collection activity must cease and desist. This constitutes harrasment.
Home Point Financial sent us the annual escrow account statement in XXXX which included the option of a catch up payment of {$2400.00} and a mortgage payment of {$2800.00} or a new mortgage monthly payment of {$3000.00} to incorporate the shortage in the escrow within our monthly payments. As we are paid several months ahead on our mortgage we made the following three payments : 1 )  XX/XX/18 {$2400.00} Escrow Catch Up 2 ) XX/XX/18 {$2800.00} New Mortgage Payment if Escrow Catch Up is Paid ( XXXX ) 3 ) XX/XX/18 {$180.00} Difference in XXXX Old & New Payment ( Old Payment {$2600.00} ) The problem is that the company applied the Escrow Catch Up payment to Principal and has yet to apply the {$180.00}. I went online and discovered the issue and called approximately on XX/XX/18 and was told it would be resolved. I went online again on XX/XX/18 to confirm the correction and nothing had changed. I contacted the company again and was told that my request for this correction was denied. Apparently, this issue is being moved to a Director for consideration. As the customer and consumer I am extremely upset about the way I am being treated and the way the company is handling their mistake. I welcome any assistance that can be provided.
I was trying to get direct deposit so bank of America can get there payment the payment did n't get set up in time so I all bank of America I spoke to one of the customer service representative I was told she would n't she could n't accept my payment but could accept my late fee which was XXXX dollar so from then on my account was late account was behind so far it is hard for me to catch so since then I have been making my payment so they told me they would wave all my late fee and for me to start paying XXXX a month to get caught by they are not fair and they tell you one thing and do something totally different so my credit is mess up so therefore they are giving me bad credit. please investigate this for me please Thanks
On XX/XX/XXXX at XXXX, I received an email alert from Paypal that I had authorized a payment of {$39.00} to XXXX. I emailed them back and told them I had not authorized such payment, asked for refund. I also emailed XXXX and told them I had not authorized any such payment or any continuation of services. Asked them to cancel. XXXX renewal date was XX/XX/XXXX, the date I emailed them, so I saw no reason for them not to cancel and refund my l money. I received an email from XXXX on XX/XX/XXXX telling me I could change my payment options from automatic for the following year but they would not refund my money. I went to XXXX website to check my account and the only account authorized for payment was my debit card from my bank, not my Paypal account. The debit card on file with them was no longer valid, I had to get a new one. I do not know how they got my Paypal information. I contacted Paypal and told them this, but all I 've gotten from them is form letters telling me to change my payment plan on their website, but I never authorized them to pay it in the first place. I have contacted both Paypal and XXXX several times and informed them that I saved the XXXX page, took pictures of it and printed it, showing that I had not authorized use of my Paypal account. I also have asked for an explanation of what the {$39.00} charge was actually for but have not gotten any good answers about anything. I then checked back and Paypal paid XXXX {$19.00} from my account in XX/XX/XXXX, which I also did n't authorize. I have checked the consumer complaint boards and there are XXXX complaints about XXXX and Paypal doing the same thing to other people. Please stop them.
IC System sent me a letter dated XX/XX/XXXX stating they were a collection agency and that I owed {$110.00}. I responded in writing on XX/XX/XXXX that I was disputing this dept and would like verification of the debt or a copy of the judgement. I then received a letter on XX/XX/XXXX stating that my debt was now {$230.00} due additional charges being incurred. I have no idea who I owe this money too and have not received a verification of this debt nor do I know what additional expenses have occurred to increase this debt.
I bought XXXX XXXX phone purchased in full. I had a no contract month to month payment plan where you paid for any phone service up front. I canceled the service due to the month to month price increasing. I do NOT owe XXXX any money. My credit report indicates it is in collections. This is an error on the part of XXXX!
When I applied and opened my loan with Avant Credit it was for a line of credit. I received approval for a {$12000.00} line of credit and have an email describing my loan details. Shortly, thereafter they indicated I was approved for a lesser amount {$11000.00}. I did n't care about the {$600.00} difference. A few months into the loan, they advised they were changing my line of credit to a normal installment loan. They indicated the terms of the line of credit allowed this change without my consent. What bothers me the most since this change, is that my monthly payments keep increasing even though I am paying the minimum amount with no further loan withdraws or charges to the account. I do n't understand how the monthly payment is not decreasing on this type of loan and Avant Credit ca n't explain it it me either.
convergent is attempting to collect on the debt that is not valid. They claim to be collecting on behalf of XXXX which I was never in default still have my account active and current. I did request validation from XXXX the original creditor who stated there are NO past due account or collections in my name however convergent is threatening to garnish wages and to sue me for this erroneous account please help me stop this scam
Refinanced my home loan with goodmortgage.com ( owned by XXXX ) and closed on XX/XX/2016. XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX saying they are my new loan servicing company and to start paying them my first payment by XX/XX/2016. On XX/XX/XXXX I received a letter from XXXX XXXX saying they are the new mortgage servicer for my loan and I owe them my first payment on XX/XX/XXXX. 

As of XX/XX/XXXX both my online accounts for XXXX XXXX and XXXX show I owe a payment on XX/XX/XXXX Since XX/XX/XXXX I have been communicating with goodmortgage.com and XXXX XXXX but no one can give me any kind of information or update as to when one of these accounts will actually close. Goodmortgage.com says I should send my first payment to XXXX and do n't know why XXXX still shows I have a balance and payment due. I tried to get each company to escalate this issue internally and resolve this but they wont do anything. Please help get this resolved quickly.
On XX/XX/2016, CCB/PPC ( Comenity Captial Bank / PayPal Credit ) - pay pal credit opened an account, it was found to be fraudulent and closed. However, they told me the hard credit pull would be removed from my credit report 2 months ago and it still is not removed.
I received a call from a debt collector and long story short I asked them to send me the detailed bill if I truly owe. I was yelled at and talked over and was told NO. I need to do the research myself and figure it out the agent was rude and overbearing. I asked them until they could send me out a bill to discontinue the calls because its becoming harassment and he said that they would keep calling until I paid.
HELLO MY NAME IS XXXX XXXX AND I HAVE BEEN TRYING TO DISPUTE UNVERFIED ACCOUNT WITH EQUIFAX FOR THE LAST YEAR, I SEND OUT FCRA SECTION 609 LETTERS AND EACH ROUND IS MORE DETAILED WITH THE FCRA LAWS I SENT THE LETTERS CERTIFIED I TYPE AND HAND WRITE THE ACCOUNTS AND ACCOUNT NUMBER IN BLUE PEN I ALSO ATTACH A NOTARIZED LETTER OF ACKNOWLEDGMENT WITH PHOTO COPY OF MY ID AND SS CARD IN COLOR. SO HERE IS THE TWIST IF YOU EVER SENT A DISPUTE LETTER AND PROOF OF WHO YOU ARE CLEAR AND IN COLOR AND YOU GET A LETTER BACK FROM EQUIFAX SAYING THEY NEED MORE INFO TO VERIFY WHO YOU ARE ... ..WELL I JUST FOUND OUT THROUGH EQUFIAX REP ASKING WHY THEY HAVENT SEND ME BACK IN THE LAST YEAR OF MY DISPUTE LETTER THEY RESPONED SAYING MY NOTARIZED DOCUMANT IS NOT A CLEAR IMAGE BECAUSE ITS IN BLACK AND WHITE ... .YA LOL I KNOW BLACK AND WHITE???? I ALWAYS SEND MY DOCUMANTS IN COLOR AND I HAVE VALID PROOF SO LONG STORY SHORT WATCH OUT THESE CLOWNS ARE DOING SHADY STUFF TAMPERING WITH ORIGINAL SEALED DOCUMANTS AND FAILURE TO COMPLY WITH FCRA SECTION609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) Section 611 ( 5 ) ( A ) of the FCRA Section 616 & 617 I ALSO HAVE SENT CERTIFIED DEBT VALIDATION LETTERS TO COLLECTION COMPANY XXXX XXXX XXXX AND RECIEVED NO RESPONSE.
I purchased my home in XXXX and was not required to have flood insurance because I was in Zone X. My servicer was XXXX. At some point in the last few years my servicer changed to Seterus. In XXXX FEMA changed the flood maps in my area and placed my property in Flood Zone AE ( high risk ). I did not get any notification of this change from FEMA nor from Seterus. I was unaware of the change until recently when my home flooded with XXXX ' of water from the XXXX flooding. I checked with my neighbors and most of them got notifications from their mortgage company when the maps changed telling them they had 45 days to provide flood insurance or it would be placed for them. I have read that it is a Federal Law for mortgage companies to place flood insurance on their assets to protect them when they are in high risk flood areas. As I understand it is their responsibility to know this information and inform me. The situation now is that I have a home worth pre-flood XXXX but now needs XXXX to rebuild. I currently owe XXXX on the original mortgage. I feel that the servicer or XXXX or FEMA bear some responsibility in not having the coverage I needed. I have gotten some money from FEMA as disaster relief but not to cover rebuilding. The home currently is vacant and not livable. I have called Seterus and they give me the run around sending me to their Insurance department XXXX who then tells me I do n't have Flood Insurance. ( I know ) They tell me I can not talk directly to their property mitigation department nor directly to XXXX about getting help with rebuilding costs by way of cash or mortgage reduction. I do n't want to walk from the house but the numbers just do n't add up. I need to find the right person which has not happened to date.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXXLoan # XXXXTo whom it may concern, Recently I enrolled for equity accelerator program, however, I change my mind and canceled it couple days later.I thought I have 90 days from the day after the enrollment. I do n't know that they count back in 2013. No boby explain for me before they reinstate my enrollment.I call to request enrollment fee to be waived because of the lack and unclear explanation. I though when I cancel the program the enrollment fee is not be charge That why I canceled the program. I am writing this email to request the {$290.00} enrollment fee is waive because I never use the services.the problems happened because of unclear explanation.
I was the victim of ID theft and a family member opened a fraud account in my name. I have tried to dispute this account with Discover card but they keep saying it is valid and it belongs to me. Of course it would look like its mine cause my Identity was stolen!!!
Under the new law effective XX/XX/XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. the Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
From XX/XX/XXXX to XX/XX/XXXX, I was under the care of the State of Texas through the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX, TX for XXXX XXXX XXXX XXXX. My Dr. at XXXX was XXXX XXXX XXXX and she made several referrals to the local Dr. 's to address health concerns they were unable to manage. Transportation to the referred doctor 's were handled by a contracted company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was transported by this service several times, all to Dr. 's within a 17 mile radius of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX was the only transportation available and required by XXXX XXXX for patient transport. The State of Texas/XXXX routinely billed my XXXX XXXX Health Insurance, XXXX XXXX, for services and would be reimbursed by XXXX  and the State of Texas then picked up any additional charges that XXXX  would not pay, as per the State of Texas contracts with XXXX providers. XXXX XXXX XXXX began billing me for services that were exaggerated in mileage, incorrect dates, and for charges exceeding {$2000.00} that I was not resonsible for. I reached out to XXXX XXXX XXXX to dispute the bills I was recieving. I reached out to XXXX XXXX XXXX at XXXX XXXX  numerous times to address this billing problem. XXXX XXXX XXXX then sold this fradulent debt to Wakefield and Associates who then placed three collection accounts on my credit report, all three credit bureaus. My credit score of XXXX has dropped to the XXXX XXXX because there are three fradulent charges that are not my bills. I have disputed with all three credit companies and I am not responsible for any of the charges listed on my credit report. These are fradulent and should have been paid by the State of Texas. I have also reached out to my Texas House Representative, XXXX XXXX, to no avail to address this problem.
I received a letter from Credit Protection Association in XXXX regarding a debt that they claimed that I owed in New York on a debt that I am not familiar with. I responded to their letter within the 30 day period asking them to verify the validity of the debt. I did not hear anything from Credit Protection Agency until I noticed that my credit report showed a collection in the amount of {$10000.00} stating that I owe this debt. I have not received any documents to this date that this debt is mine and I do n't think they have the right to place it on my report, reporting a current opening date of XXXX 2015. Even the opening date on the credit report was placed on my report before I received the letter in XXXX.
I paid a collection account in full in XX/XX/2014. To this day the account is still showing on my credit reports as a seriously delinquent collection account, which has been a down fall to my credit. I would like this account removed from my credit report so I can be in good standing to future creditors.
On XX/XX/2018 I purchased a car. My credit has always been in the high 700 's and low 800 's but at the time I purchased the car my credit rating was XXXX. All of the reports on my credit history was accurate, I have about a 7 % utilization rate, 4.5 year old credit history and except for a payment my son missed years of perfect payments. My income stream has not changed so nothing accounts for the nearly 200 point reduction in my credit. When I called XXXX  I was told to contact the individual company that wrongfully reported credit, however, all of the credit reports were accurate. All of the factors that existed when I had a XXXX credit rating are still there but my rating was XXXX. Please help.
THIS IS NOT A DUPLICATE COMPLAINT!!!!!! This matter is in reference to something from XXXX that is now being listed on my credit. I UPLOADED THE DOCUMENT for complaint number, XXXX about CITIBANK. This is NOT a duplicate of XXXX, which deals with XXXX. XXXX is thirteen years after XXXX, and they are not the same matter at all. The XXXX matter was PAID IN FULL in XXXX. I have provided proof of this via uploads to the credit bureaus. I have old credit reports and old letters from Citibank. My issue is that Citibank is stating that I went 60 days late in the year XXXX and didn't list this information until XXXX. That isn't possible when it was paid, and I don't know how you can back-list something from twenty years prior. This complaint has absolutely nothing to do with Citibank fraudulently assigning accounts to XXXX, or XXXX engaging in Identity Theft. This complaint is about the fact that Citibank lists something as paid and then claims that I was sixty days late. There is no proof of this on their part, and there is no reason to have something listed from that long ago. We are in the year XXXX. Why isn't the CFPB appropriately managing these complaints? It's not as though there is any power to the CFPB as is ; I still have to go to court over such matters to get resolution, but claiming that people are filing duplicate complaints when they aren't smacks of more insider government pandering to corporations that are simply lying. I paid my bill, and it needs to be noted appropriately. It's that simple. Please don't make it more complex than that, CFPB and Citibank.