WillisBack/dataset-financial-user-claim huggingface dataset:
University XXXX XXXX is alleging that I owe them a balance of {$1100.00}. ( which is showing up an unsecured loan on my credit report ). I do not owe this debt. After requesting a copy of my credit reports, the opening date is showing as XX/XX/XXXX. I did not attend the university orientation until XX/XX/XXXX. Late XXXX, I received a letter from the collection company ( Financial Business and Consumer Solutions . The letter was dated for XX/XX/XXXX requesting a payment in full. The letter stated, Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion, thereof, this office will assume the debt is valid. I sent a debt validation letter ( which is attached ) to the collection company on XX/XX/XXXX. I received a letter from University XXXX XXXX on XX/XX/XXXX. The letter was dated XX/XX/XXXX. University XXXX XXXX did not validate the debt but sent a transaction history and no document that bears a signature where I promise to pay. According to the National Student Loan Data System, the class was paid for in full of by student loan. University XXXX XXXX states that my withdrawal date was XX/XX/XXXX. University XXXX XXXX wrote off the debt on XX/XX/XXXX. Financial Business and Consumer Solution began contacting me on my phone starting in XXXX since then I have been getting random calls from different numbers. The calls are harassing and very annoying. I understand that a collection company can not contact after being told not to.
XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$10.00}, XXXX with XXXX, XXXX and Transunion credit reporting agencies. I requested verification of the debt and account however XXXX failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
In XX/XX/XXXX I took a loan out for {$2500.00} from XXXX. I later found out that they amount of the loan was in violation of XXXX Law and contested the debt. I made no payments past XX/XX/XXXX. 

I have received 3 calls from a woman stating her name is XXXX XXXX with Compass Recovery Group ( XXXX ) XXXX though I have been unable to obtain any information about this company. She is attempting to collect on a debt but has failed to identify herself as a debt collector 3 times. In addition, I was not living in XXXX  when the loan was taken out but she states the new owner of the debt ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX CRCP # XXXX CPRC # XXXX is attempting to sue in that state though when I check to see if a suit has been filed none has. 

There are 2 issues then ; 1. The statute of limitations has passed ( I believe ) and 2. violation of the FDCPA ( 15 USC 1692d ( 6 ) ) failure to fully disclose and ( 15 USC 1692e ( 11 ) ) failure to divulge they are calling as a debt collector. Furthermore, XXXX XXXX stated Compass is the " legal side '' rather than that they are a debt collector which is false and misleading, a violation of 15 U.S. Code 1692e ( A ), ( B ), ( 3 ), ( 10 ), ( 11 ) and ( 14 ).
Diversified Consultants just reported a {$510.00} collection account on my credit report. Prior to this account appearing on my report, I did not receive a 30-day notice of my right to dispute. By reporting this debt on my report without providing this notice, Diversified has violated my federal rights, as protected under the Fair Debt Collection Practices Act.
XXXX XXXX Message body To Whom it may concern ; XX/XX/XXXX I was coerced into what turned out to be a predatory loan, in XXXX. I could n't afford the loan and expressed my concern to the broker., who placed in writing that if I could make payments for a year, he would get me a loan with a lower interest rate. This did not happen. I maintained the payments with great struggle for a year as requested. I was not able to continue paying the payments, my business had slowed down greatly and the money was not coming in to make the payments. Then in XXXX I became XXXX, I applied for a loan modification for a lower interest rate. After several attempts got absolutely nowhere. No one would talk to me. So I went to a govt agency for assistance, they worked with me to apply again for the loan modification. Resulting in their conclusion that the bank was deliberately trying not to help me. 
I finally received XXXX but that was no where near any amount that could help me pay my payments, forcing me into bankruptcy. 
Not paying any payments- the bank has since decided to foreclose. I have hired a company to do a forensic study on my mortgage -which resulted according to their conclusion, that are many violations and foreclosing would be fraudulent. There is proof of electronic violations, the original note has been lost or destroyed, note and deed of trust have been separated, the right party to foreclose must have in and original note as well as deed of trust to foreclosure. In this case no one entity does. Therefore foreclosure is deemed fraudulent. Please contact me as soon as you are able any assistance you can send my way is greatly appreciated - I want to stay in my home of 30+ years. Thank you - respectfully, time is running out. none of my documents on the computer, So I can not download and send docs to you. I can fax them to you if given a fax number you have access to. please advise thank you.
XXXX XXXX is always reporting that I owe them in which I dont even have an account from them. I havent used any XXXX in my apartment and my previous apartment. This is a scam. Someone is using my identity.
Caliber Home Loan, my mortgage servicer, continues to call me everyday but refuse to tell me what it is about. The agent asked for my social security number and address and I refused based on the ground they called me and I have no way of knowing if they are identify thief. I asked for email or direct mail to detail the matter they would like to discuss but they simply say the phone call will continue. My mortgage is current. Please make Caliber stop calling me.
In XXXX I was a victim of fraud and the XXXX XXXX Breach and I have been disputing items on my XXXX and Experian credit reports ever since. I also had XXXX in XXXX and it took me a year in which to recover so I was not working during this time either which means there was no way in which I was applying for any type of credit. I had no income. Every time I dispute items especially with XXXX they do not update the information accordingly if at all especially as it pertains to items and accounts that are closed and need to be deleted and removed from my credit report with them. From XXXX to the XXXX I have been working on my credit reports and credit scores in verifying information that is mine along with information that is not mine with XXXX and Experian. As of today XX/XX/XXXX my credit score with Experian is a XXXX and XXXX is a XXXX. My credit score is up and down as it pertains to XXXX and why I do not know because of the fact that I have XXXX out of XXXX accounts in good standing along with inquires that have also been removed, accounts closed, so why is my credit score a XXXX? When items are removed off of your credit reports and updated your scores increase not decrease. XXXX is reporting items that have closed on my account with {$0.00} balance and then with balances so it is affecting me more than once along with my scores being accurate. XXXX is the only credit bureau thus far that has updated my information accordingly and my current credit score with them is a XXXX as of XX/XX/XXXX. When, I dispute information with XXXX they drop my score instead of completing the updates in which they were instructed to do.
i was sued and my wages were garnished for a account that was identity theft and the company refuses to give me my money back also put a judgment on my credit report this is gone way to long now they dont answer me case # is XXXX i have sent all paper work for this and they ignore all request
I send a certified letter to the creditor to this addresse ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to obtain a written verification documentation concerning the account dispute. sixty days pass without a response from creditor. I joined a copy of the letter to XXXX XXXX XXXX and asked Transunion credit report to investigate and the result came and state remain .the creditor keep updating monthly the account as charge off. after several call to the creditor they finally said that the account is transfer to XXXX collection agency since XXXX 2012. I wrote to Transunion again asking them to prove how their investigation was done and they should delete inaccurate information on my credit file. Transunion responded that the information is corrected and will remain. I need Transunion to delete or update the inaccurate information on my file.
Med-1 Solutions, LLC was awarded judgment of {$3700.00}, by the XXXX XXXX Small Claims Court, State of Indiana, XXXX County. I had agreed and made {$1900.00} in payments toward this debt. However Med-1 Solutions, LLC filed and represented to the Court that no payments had been made and I still owed the entire amount. Due to this the Court granted them an income withholding order that has taken an additional {$800.00}, directly from my paycheck, as of XXXX/XXXX/16. I believe Med-1 Solutions, LLC violated 807 of the Fair Debt Collections Act, by alleging to this court that the entire amount of {$3700.00}, was still owed and represented to this Court that I had not made any payments. I tried contacting the creditor and asked that the update the Court with my true debt balance and they informed that they do not notify the Court of payment history and would not send anything in until they have a XXXX balance. This is a great hardship to me because the incoming withholding takes over {$400.00} dollars per paycheck. Therefore they have taken over {$1200.00} within the month of XXXX 2016 that has drastically crippled the debtor who had been paying {$200.00} per month.
There is a 2011 entry on Equifax 's report for me that I disputed in 2011 ... it reared it 's head again yesterday attempting to get power in my newly purchased condo. The collection agency named ( spoke with " XXXX XXXX '' at XXXX ) realizes that the last name of the person responsible for the debt is XXXX ... I am XXXX. I have discovered that Equifax did nothing to get this error removed from my report and they are totally non-responsive about it now. I need help from someone with authority to provide it.
On today XX/XX/XXXX a strange XXXX gentlemen showed up at my door with a box in his hand, Given I have an XXXX XXXX and the level of legal retaliation I am experiencing due to reporting every level of fraud possible, I was had a set of legal documents from a stranger who never asked me to sign, The box in his hand was small in nature and I thought it was a bomb. I began to panic, Please note we have signs to stay off of our premises. He was totally trespassing, It was a duplicate set of documents which were sent to me previously. It was from XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX. Please note my street is gated and I NOW KNOW WHO provided this stranger with the code. There is a connect at the Bar Association who's relative lived on this street. This individual is basically retaliating due to 1. Me reporting him to the Bar Association 2. I also sent a second request to your organization for a copy of the contract I signed versus a forged contract he sent via CFPB. 
3. I have received threatening phone calls daily I am now forced to take intense legal action against him. 
Please note I fear for my life and this Attorney is harassing me because he was uncovered!
I am trying to get a payoff statement from the company with the daily per diem and wiring instructions because I have secured another loan to pay off the company due to historical issues with Citizen 's not sending me statements. I have inquired several times to get statements and even filled out the proper paper work. Citizen 's is claiming that the issue is with my address. The property is at XXXX XXXX XXXX XXXX. There paper work states street -  they say when they call the tax office to have it corrected, the tax office confirms it is street.  Not true at all - I called the tax office myself and they advise it is XXXX XXXX and has always been XXXX XXXX. I believe they are purposely withholding information from me in order to charge me late fees. After securing the other loan, I have spent the past 2 weeks attempting to get a pay off letter sent to me without success. Every time I call the wait time is in excess of 10 minutes and then they put me on hold and do not come back to answer the phone. I believe this behavior is retaliatory in nature. All I want is a pay off letter from this company so I can pay them off and stop accruing late charges.
Passed statue of limitation New Jersey Passed Credit Card Dept. 
Was Charged Off in 2010 Total Amount {$7100.00} Due to Devoice Proceedings
I contacted Avant on XXXX XXXX asking if I could make my payment on XXXX XXXX because I incidentally made two payments one month which put me ahead in terms of paying them. They replied back saying, Thank you for your email and we apologize for any trouble. We have received your request and have forwarded it to the appropriate channel. If you have any questions in the meantime, do n't hesitate to reply to this email or give us a call at XXXX. We appreciate your patience while we work to resolve this! On XXXX XXXX I noticed on my bank statement that they withdrew the XXXX even though I asked to numerous time if the double payment could suffice for the XXXX XXXX payment and my regular payments resume on XXXX XXXX. I noticed when I checked my contract that they did indeed accept my double payment but as yet have did nothing in terms of resolving this issue of the double payment. Please see the attached correspondence written to the creditor requesting clarification. Please note that the original loan was taken out XXXX 2015 in the amount of {$1300.00}. Since that time, I have paid to the credit the amount of {$990.00}. Please note that this loan still carries a balance of almost {$1300.00}. Which is ridiculous considering that I have paid all but XXXX of the original loan amount of XXXX. Their lending was deceptive and the interest and fees are simply legalized loan sharking and preys on individuals that need to seek out alternative lending options.
I have had nothing but problems with my bank over 4 years ago checks were sent to an incorrect address after my address was updated with the bank the person living at the address used my checking account to pay their bills I had to open a new checking account at the time the bank promised that I would have a no fee checking for certain balances and no fees for checks I have recently discovered that I am being charged XXXX for checks I don't feel as though these charges should be charged to me I would like them to be refunded to my bank account
i have XXXX issues with Nationstar mortgage, first is I requested payoff amounts on multiple occasions beg. XX/XX/XXXX, never received one, i was told it was emailed to me but they had the wrong e mail address and would send it again, which i never got, at that point it was already XX/XX/XXXX, so i am anticipating paying this off and believing amount would be retroactive to request date, my interest alone was XXXX a month, by XX/XX/XXXX i still have n't gotten the amount and I did n't receive a XX/XX/XXXX statement so I i send them the stated statement balance of XXXX, I start receiving calls from the loss mitigation dept threatening me with foreclosure! for non payment!!, they deny they have my bank check, and at one point they hung up on me, that was on XX/XX/XXXX a follow up call with someone and they said the check was received XX/XX/XXXX and was never deposited or applied to my acct, I spoke with loss mitigation again asking how they could threaten me with foreclosure when they have a bank check for {$150000.00}, they threatened and said i could either pay or they would send the check back and start foreclosure, I knew there would be additional fees for paying off i did n't feel i should have to pay the additional 3 months interest, close to XXXX for their incompetence to give me a payoff amt. To finally get it over with I pay whatever they say is due, which was also XXXX different amounts when i spoke with XXXX different people, and decide to move on. # 2 problem arises the following XX/XX/XXXX the when i lease a new vehicle and I 'm told the only blemish on my credit is Nationstar mortgage for late payments!!!, late payments for the three months i was TRYING to pay my mortgage off # 3 problem is as of today I have still not received a lien release to obtain clear title for my home this whole situation with them has been a nightmare they are one of the most unprofessional, incompetent and disorganized financial companies I have ever dealt with and I had a good payment history with them and when the mortgage was held by XXXX XXXX XXXX, I do not feel it was justified I pay the additional 3 months interest for their incompetence and inability to give me a payoff amt. promptly when requested, I did n't even receive a XX/XX/XXXX statement! I 've never heard of such a thing, so at this point i do not know how to get these problems solved I had been in contact with the NYS Banking Dept but that was a waste of time.
I receive direct deposit funds into my checking account on the third of each month. I receive a check from SSA for my XXXX, of {$920.00} and another for {$540.00} from survivor widow social security supplement. When the 3rd lands on a weekend or holiday i receive payment on the XXXX. I bank with US Bank since XXXX of last year. When i went to withdraw funds from my branch last Friday on XX/XX/XXXX i was told that my funds were on hold. And that the bank notified me by mail. That they were closing my account as of XX/XX/XXXX. But i never received this notice and my account continued to be active. As a matter of fact. Its still active but has a hold on my account funds. The branch employees have tried numerous times to reach the " deposit dept. '' And so have i to get my funds released and to discuss why they closed my account. I can not reach anyone regarding this matter. Iam on a fixed income. I pay my car insurance, my storage, phone bills, and room rental. And im about to lose it all because i dont have the money to pay for these necessities due to the bank not releasing my money. As a matter of fact. No one knows exactly where the money is or whos holding or why. Im at my wits end. And im desperate. I have XX/XX/XXXXXXXX and i wonder if thats why they are doing this to me.
I never received a statement and by law they are not suppose to charge me interest or late fee if O had not received the bill .and the refuse to take it off and its a federal law they have to remove all fees .They have charged XXXX in fees and reported me late
I AM UNABLE TO OBTAIN MY FREE CREDIT REPORT FROM EXQUIFAX CREDIT BUREAU DESPITE MY NUMEROUS REQUESTS. 

PLEASE HELP ME NOW
XXXX   XXXX   sold our  XXXX  mortgage account  to Select Portfolio Servicing , Inc.  of  XXXX   XXXX   XXXX , Utah. I had absolutely no desire to have this happe n. Select Portfolio Servicing , Inc. has an absolutely terrible reputation, as can be easily seen with a little investigation online. I am very concerned that they will have errors tha t will cause me to have bogus fees added, " forget '' to pay my taxes from escrow, fail to send my tax documentation, and otherwise make trouble.     I am complaining in advance so you know who I am referring to should I have trouble with this firm, which I expect will happen.
I had an US Airways card with Barclays and have not carried a balance in years. I missed the statement that had my annual fee and they subsequently charged me XXXX late fees and interest on an annual fee and compounded interest on the late fee, this violates Reg Z and CARD Act. They reported me 120 days late and have caused severe damage to my credit report. Again, no purchase was made it was all money compounded on a {$75.00} annual fee that came out to {$250.00}. I have paid this because at the time I did not understand my rights, I want a refund and all late notices removed from my credit.
I have on numerous conversations, e-mails, and written coorspondence tried to work with my Mortgage Company, Wells Fargo, Mortgage, Home Preservation Specialist, XXXX XXXX, Phone Number XXXX XXXX, regarding loan number XXXX to work out payment options and modifications to assist me with a sudden XXXX Retirement which decreased my income by 66 % and due to a violation of the County Court Im still paying full alimony to my ex-spouse which is at the XXXX Supreme Appeal Court finalizing their decision on XX/XX/XXXX. At which time the alimony discrepancy and monthly pay I currently receive after garnishment will be {$7800.00} a month versus the {$3700.00} a month I am reduced to at the present time plus having to pay legal fees. I have been struggling since XX/XX/XXXX to make house payments and pay required legal fees with 401k withdrawals, selling all valuable assets, etc. I recently contacted the Honorable XXXX XXXX office to request assistance and was advised to speak with a firm that assists with foreclosures. I learned that according to the findings of the foreclosure assistance firm, Wells Fargo has violated several Federal and a State ethical violations in how they processed my first loan modification and the lack of  working with me to avoid foreclosure on a VA loan. Im a XXXXXXXX XXXX XXXX Veteran about to lose my home and be forced to live on the streets because the court process and a extremely incompetent attorney I hired failed to represent me in court for my recent hearing. So Ive had to wait almost 15 months for the Appeal Court to finally rule on this Appeal which will be in support of me from the County Court Order by the Judge violated 3 significant Federal Laws applying to 10 USC,  Colorado Statute for lack of appropriate legal representation, and the awarding of attorney fees in a Alimony case which violates Colorado Law. I just received another letter from the Law Firm of XXXX XXXX XXXX XXXX XXXX, Phone Number XXXX, Representing Attorneys ( XXXX XXXX - Reg No XXXX, XXXX XXXX - Reg No 44900 and XXXX XXXX - Reg No 45482 ) expediting the Foreclosure Process by the request of Wells Fargo with no coordination, or contact made advising me of these actions. Ive tried hard to keep paying my mortgage but with the current financial hardship Im experiencing, which will be resolved in the Fall XXXX timeframe, Wells Fargo has been of no assistance and has on several occasions disconnected my phone calls, avoided calling me back, or trying to work with me on my loan. I currently have a contract which should close this week but with the recent court order I am unaware if I can still sell my property, which Wells Fargo advised me in late XXXX I had until XX/XX/XXXX to work a payoff on my own. In addition, I have been charged legal fees, additional interest, and other fees due to their unethical conduct regarding the support and financial assistance will my mortgage in the amount of approximately {$40000.00}.