WillisBack/dataset-financial-user-claim huggingface dataset:
The amount that was owed for this account before it sent to collections was XXXX. I was sued by XXXX XXXX XXXX for the amount of XXXX and was given a date to pay in order to remain a tenant in the building. I presented the property manager at the time with a XXXX} cashiers check to cover the XXXX balance owed plus enough to cover rent for a few months. My attempt to pay was denied by the property manager as I was told we will not accept any payment from you. I was then told to remove my belongings from the unit but was not given a specific date to be out. A week prior to this all of my belongings were thrown out in the alley behind the building causing me to lose all of my personal information and other important things. I have disputed this debt collection several times in attempt to get it removed from my credit reports. Since my attempt to settle the debt was denied before it was sent to collections I feel that I should no longer have this negative remark on my credit. I have not received any documentation validating that the debt belongs to me nor have I received a copy of the original lease agreement with my signature. I also have not received any documentation explaining the XXXX balance that is reported.
I have a loan with one main financial.they call here 5-6 times a day and even on sats.what happened was back in XXXX I needed a loan to get my vehicle fixed for inspection.they told me I could get {$500.00} loan if my wife cosigned. it did n't happen after running to the banks and XXXX to get sattements. I had been paying {$230.00} a month be fore that, only about {$100.00} was going on the loan the rest was interest.so I borrowed the money from realitives to get it inspected.i told them ( one main ) I would n't be able to make a paqyment for 2 months because I had to pay my realitives back.that would of been XXXX only the car broke down again I needed a coil it cost over {$150.00} to get it towed and fixed. so XXXX came by, was going to make a payment. but they call here fromXXXX, 5-6 times per day .I asked them to stop and sent them letters did no good.so now were are in XXXX I sent them a check for {$20.00} and told them to stop calling and I d start to pay them that did no good either.so XXXX the stsrter went out there was another {$150.00} bill towing to garage and fixing. itsw a XXXX XXXX and I ve had a lot of problems with it lately, its XXXX XXXX XXXX. any how they call 5-6 times a day XXXX asked them to stop that does no good and I told them in a letter if they keep calling I wont pay them anything.and on sat. they called twice.XXXX.if theyd stop calling me XXXX d start to pay them again iwas paying them {$230.00} a month that 's {$2700.00} a year and onl ; y {$1200.00} went towards the loan.and they could n't give me {$500.00} loan it really ticked me off. I am XXXX and on XXXX XXXX.and tired of this XXXX.plus they changed my loan date when I asked them not 2. so they really got me going.i ve had an account with them for years.i d like them to sue me in court so I could tell my story so other people borrowing from them know wht they do.
The following XXXX opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXX why now? 

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious? 

Thanks for your attention! 
This has been paid in full at least 5-10 years ago, unknowingly after the statute of limitations made it unnecessary, through a debt collector : XXXX XXXX Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor
Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade XXXX have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade XXXX account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade XXXX but was not supplied with an original account agreement. I signed up for the accounts in XXXX, however, Scottrade Bank and Scottrade XXXX provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade XXXX use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade XXXX provide me with the corresponding and original XXXX version of the sign contract and not a XXXX version that is materially different.
Element Global Services has continued to leave voicemail messages on my phone asking for a specific person. I am not that person. I advised them they had the wrong number. The next day, they left two new voicemail messages for the same person ( who is not me ).
1. I was 'served ' a Summons and Complaint with the statement " You are being sued. " ; however, there is not lawsuit filed against me. The person delivering the document said, " You are being served. " ; however, in reality I was not being served actual legal documents. I was handed a document that looks like a court document. Their document should have stated they were intending on suing me, especially if I do n't answer their 'summons and complaint. ' Instead they made it look like a court document to use it as a means to intimidate and scare me. There is no court file no listed on the forms nor is it listed as an active case against me on the website for MN Trial Court Public Access XXXX ( Fair debt collection practices act, 807, 2A, and 812 ). 

2. When I was 'served ', the documents with my personal information were not enclosed in an envelope and this a violation of my privacy rights according to FDCPA. 

3. The company that is threatening me is located in Wisconsin and I am requesting from the company that they are in fact licensed to collect debt in Minnesota.
Despite multiple requests, the unverified item with XXXX XXXX, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted XXXX XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX XXXX has told me I never had late payment with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I have a XXXX loan. 80 % with XXXX and 20 % with green tree. To refinance my loan for a lower rate I am refinancing the 80 % ( XXXX ). Green tree has asked for authorization form to release information. I signed the form and resubmited it. Green Tree has since asked us to change the verbage XXXX times on the authorization to release information. When contacting Green Tree their representatives can not help us and have no idea what to do but will send a letter. Normal quick refinancing with no money out takes 3-4 weeks, I have been waiting for 4 months all because of Gree Tree. I have no idea how this company is still in buisness. I have had several other issues with Green Tree. I am now seeking out other loan options to buy out my existing loan with Green Tree so that I will no longer have to deal with their incompitence.
I did contact Portfolio Recovery Associate to provide the court document stating that a Judgement was entered against my property or a contract that shows that i XXXX XXXX XXXX Entitlement Holder/Registered Owner of the XXXX XXXX XXXX have a signed contract or a debt obligation in its favor, they failed to do so. I did file a Claim in the Virginia Commercial registry after they defaulted to remove the Collection item from the credit bureaus. I did address the CEO of PORTFOLIO RECOVERY ASSOCIATES to produce proofs of claims and, he failed to do so, as a result a UCC lien was filed against PORTFOLIO RECOVERY ASSOCIATES and its CEO XXXX XXXX XXXX as it was the terms and conditions if proofs of claim could not be produced. I am the uncontested Registered Owner of XXXX XXXX XXXX with my Birth Certificate Authenticated at all Three Levels of Government and Registered with with the United States Department of Commerce with a {>= $1,000,000} CLAIM against anyone using it without my permission.
On XXXX XXXX, XXXX, I purchased XXXX First Class, round trip tickets from XXXX to XXXX on XXXX using the Capital One Rewards Travel website. The tickets were purchased as a birthday present for my wife, but our entire trip was ruined by Capital One 's fraudulent activity. 

On Saturday, XXXX XXXX, XXXX, the day we were supposed to depart for XXXX ( after flying all the way across the country from XXXX XXXX to XXXX ), I tried to check into our flight. Once I reached the seat selection screen on XXXX 's website, I was only given the option to select Premium Economy seats notwithstanding the fact that I clearly purchased First Class tickets as evidenced by the attached reservations from the Capital One Reward Travel website. I immediately called XXXX to ask why I could not check into First Class, and they said the tickets in their reservation system showed up as Premium Economy, not First Class. The XXXX agent said I would need to discuss the discrepancy with whomever I purchased the tickets from. 

I immediately called the Capital One phone number listed on my reservation receipt and spoke with XXXX XXXX, Agent Sign XXXX in XXXX, PA. I explained the problem and asked that she put us in First Class on the flight we were booked on, or the other direct XXXX flight scheduled earlier that same day. After spending over an hour on the phone, XXXX told me that despite my reservations clearly stating that I purchased First Class tickets, there must have been a computer error and she could not do anything for me. I then asked to speak with a supervisor, and she refused. XXXX then proceeded to tell me that my only choices were to accept a refund or pay to upgrade my tickets from Premium Economy to First Class!
On XXXX/XXXX/XXXX, two years ago we bought a television at Best Buy, purchased as a promotion with no interest for two years on a XXXX XXXX Without much thought, we used the same card with its available credit for other purchases. When the promo period ended, XXXX XXXX, the deferred interest charge of {$720.00} had been applied to the amount due. Upon further research, at no time after other purchases had been made, were monthly payments or a portion of payment applied to the original purchase, only the subsequent purchases. If this interest is not paid in-full this month, it deems our account over the limit and will incur a fee of {$37.00}
equifax XXXX blocked me from getting my report and when i have disputed items they have said they mailed out the paperwork but i have never got it im trying to fix identity theft issues and they keep putting me in the special handling dept and will not let me pull my report from any credit monitoring service all i want is to be able to pull me credit report to see what changes have taken place.
I opened a Business account w/PNC on XXXX/XXXX/2016 with a {$10.00} cash deposit. On XXXX/XXXX/2016, I deposited {$60.00} cash, giving me a total of {$70.00} account balance. On XXXX/XXXX/2016, after reviewing my online banking site, I saw no deposit for XXXX/XXXX/2016. I called business banking customer service & was told my account was in the process of being closed by PNC. There has been NO communication from PNC whatsoever to tell me why. I have initiated all communication with the bank, the branch & customer service. On XXXX/XXXX/2016, I again call business customer service to see what status my account is in, again I 'm told it 's in the process of being closed. I was told I could go to the branch & get my {$70.00}. I go to the branch was told that because the account was on hold & that a check was in the process of being cut, they could not give me my {$70.00}. XXXX XXXX, whom opened this account, called yesterday @ XXXX to tell me she would get answers to what 's going on w/my account. It 's now XXXX on XXXX/XXXX/2016, I 've still heard NOTHING from PNC whatsoever. I 've again left messages ( at least XXXX & XXXX emails ) w/the branch & with XXXX XXXX.
I am a co-applicant on an FHA home mortgage through Chase bank. The primary applicant was discharged under bankruptcy in 2016 and did not reaffirm the debt. Chase bank is telling me that I am bound under the same terms of the primary applicants bankruptcy and no longer responsible for the mortgage debt. I did not file bankruptcy. They have stopped reporting to the credit bureau and telling me I have no rights to the loan because of the bankruptcy. They can foreclose. I ca n't refinance or sell they tell me. Please help and advise.
Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$41.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
I previously had an account with this company that showed on my credit report incorrectly for over 6 months. After many complaints they finally removed it.I refinanced in XX/XX/XXXX and this has not been reported on my credit report until XX/XX/XXXX. Prior to this reporting they ran my credit twice and it adversely effected my credit score.I sent them a letter in XX/XX/XXXX regarding the lowered credit score.Though the date reported is XX/XX/XXXX I did not see it on my credit report until XX/XX/XXXX.I made a $XXXX payment that cleared my bank on XX/XX/XXXX and a $XXXX payment that cleared my bank on XX/XX/XXXXTo date I have paid over $600.00.If they cannot report in a timely manner, report accurately and keep the account updated with payments made to reflect an accurate balance they do not need to be reporting to any agency.
Discover Credit Card, XXXX XXXX XXXX, XXXX, NC XXXX, raised the minimum amount due without notification. When I called to see why, they offered me the opportunity to discontinue using their card by closing the account, thereby, the amount I was paying would be owed until the card was paid off. The next bill reflected the new rate amount. When I called, I found that they had scammed me by stating the new amount had to be paid and the credit card had been closed. I sent them a letter of dispute. Meanwhile, the next bill came yesterday and it reflects the new rate with " include past due amount '', with a warning of a {$35.00} late fee and the APR will increase.
I logged on to citibank to make my XX/XX/XXXX payment. When making my payment I noticed that my min payment was higher than my XXXX min payment. This didn't make sense to me as my principal balance should be going down and my min payment should be less than. 

I logged into my statement and was shocked to learn that my interest rate is at 7 % - When I applied for the promotion offer it was at 1.99 % and this rate was do to expire in XXXX. 

Please explain in writing and in writing only why my rate is higher than I was offered along with my min payment going up every month. 

Thank you XXXX XXXX
I keep receiving call s from Pioneer Credit Agency  for a debt owed by a  XXXX   XXXX . I have instructed them to remove my cell phone number on numerous occasions and they continue to robo call me. The last representative I spoke to is  XXXX   XXXX  who stated that unless I give her my personal information the calls would not stop. I gave her the reference number that was left on my cell voice mail but that did not satiate her desire for more personal indentifying information from me -- which I of course refused to provide.
I started the payment plan with the department Of education in XX/XX/XXXX I was only billed {$5.00} A month as long as XXXX consecutive payments were made of my income. After the XXXX consecutive payments navient took over as my loan servicer. I had received an email saying starting XX/XX/XXXX I had to pay {$390.00} a month horrified of the email because I can not afford that I had called customer service and she had told me to put a forbearance on my loans and fill out a request for an income based repayment plan. I went to the IRS link provided and imported my tax information straight to the income based plan. ( MIMind you I did n't even make {$XXXX} in XX/XX/XXXX ) I received an email the next day saying my request had been received and is processing. I received another email from navient stating I owe {$390.00} due XX/XX/XXXX. Ii have an almost {$400.00} student loan payment on an {$XXXX} Income and also checked I 'd like my servicer to provide me with the lowest monthly payment possible. Which obviously is not the case.
I am filing this complaint on behalf of my client XXXX XXXX XXXX. On or around XXXX XXXX, 2013, I paid {$610000.00} to satisfy my client 's loan in a short sale. The funds were sent to Ocwen via a wire transfer on the same day. To date a mortgage satisfaction has not been recorded against the property and Ocwen continues to report the loan as being late. New York law requires that a satisfaction be submitted for recording within 30 days of the receipt of the payment. 

Upon discovering that this mortgage remained open, I contacted Ocwen. I spoke with a XXXX who advised that the satisfaction was sent to XXXX XXXX XXXX Florida for recording. Upon expressing my dismay upon learning that the document for a New York property was incorrectly sent to a Florida XXXX, I was transferred to XXXX ( id number XXXX ) who stated that he was an escalation manager. XXXX then proceeded to tell me that the document was indeed sent to the correct XXXX in New York for recording. 

Upon hearing this I requested a copy of the document and was told that it would take 24-48 business hours to send me a copy of the Satisfaction via email. This has not been the first time that Ocwen has failed to properly record and to properly report on a borrowers credit report. 

My client has been irreparable damaged as a result of their sloppy business practices.
Ocwen Loan Servicing charged me over {$4000.00} in annual fees by placing forced homeowner insurance policies knowing my XXXX Mortgage loan is paid in full. Recently Ocwen was forced to settle its forced place insurance class action lawsuit. in XXXX Ocwen was able to receive court judgment by using fraud documents to rescind my XXXX Option One Mortgage, and my XXXX XXXX XXXX full reconveyance. Since the fraud judgment was granted I been requesting my XXXX XXXX and XXXX XXXX XXXX statements from Ocwen several times because I was unable to locate my account numbers to get the records, Ocwen always denied my request. Recently Ocwen 's outside counsel, XXXX, agreed to release my bank statements because he knows the statues of limitations has expired and that I will be unable to gather the bank evidence that my loan is paid off. Also, I was recently notified by officials that a insurance policy paid off the pretender lender made up loan in full years ago. Ocwen has committing years of fraud looking for free homes from victims to rip off to gain its wealth. I demand the consumer financial protection bureau involve the DOJ and the FBI into my matter. I need help defending myself again Ocwen criminals. Recently, XXXX XXXX, XXXX, I requested all of my payment history from ocwens counsel XXXX, from XXXX to recent, as of today I still have not received the payments history, including all fees, and all the years of forced placed homeowner policies. I believe Ocwen knows it 's companies a fraud and if they released the information that I 'm entitled to would cause the fraud company harm because they would be caught ripping me off. 
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A collection agency sent me a letter on behalf of XXXX XXXX commpany for a past due utility account which I never had. Transworld Systems Inc. is the collection agency. They advised me the past due bill is for a property in XXXX, MI which I never owned. I have never lived in or owned property in XXXX, MI.
I had submitted documents to Equifax pertaining to an account that had been shown to be antedating to reflect a different first date of delinquency. The account from XXXX is past more than 7 years from the first date of delinquency and Equifax would not correct or did n't perform an adequate investigation from the furnisher who submitted the account to collection not XXXX. The information provided was directly from the furnisher to illustrate the antedate of the account. I would like this to be deleted from my account.
This company told me once the payment would be made to settle the account that the trade line would be removed. This company did not remove that trade line.
I have a long lasting relationship ( When Wamu was bought by Chase ) with Chase, however, out of the blue, all of my credit cards were closed by them. I called them to try to find out why and they did n't give me an answer but a very generic " unexpected activity ''. That does n't tell me anything as to why all XXXX of my credit cards were closed simultaneously.
I opened a joint-owner credit card with the XXXX XXXX XXXX XXXX in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} Credit Limit in Pays As Agreed status. The closure was only reported to XXXX correctly. XXXX and TransUnion still report it as open with a {$2500.00} credit limit. I filed a dispute with both XXXX and TransUnion and XXXX came back with both credit limit as correct and the account is still open. When I called XXXX, they agreed the card was closed but refused to correct their mistake.