WillisBack/dataset-financial-user-claim huggingface dataset:
I believe I am being billed for a XXXX by XXXX XXXX XXXX in error. I sent written correspondence to their main office stating why I believe the debt to be erroneous. In this letter I also stated that I do not want to be contacted via the phone regarding the debt, and if this appears on my credit score it is to be marked disputed ( referencing the Fair Debt Collection Practices act ) I received written confirmation back from the Hospital that they would honor this. However, when this debt went to collections, I have now received more than 10 phone calls to my phone, despite having instructed them to stop. 

This is all for a supposed ~ {$400.00} debt ( that I believe I do not know )
I have had santander usa as my car loan for 3 years and yes ive made plenty of late payments but i think something is really wrong i purchased the car for XXXX and its been 3 years ive paid lump payments upto XXXX and just to catch up well my car was repo 'd about 4 days ago i got a letter stating i owe XXXX and that once its sold im responsible for the remaining how is it thats its been 3 years and i owe more then what i purchased it for and its only worth XXXX as of today cause i tried to get rid of it just not to have this sitting on my credit but i think something is not right at all i need help i think they have robbed me of all the monthly payment i did submit cause it just looks like i paid interest every single month for 3 years please help.
Did not Identify themselves, nor give a name, said that it was attempt to collect a debt, called me at work, and said it was for XXXX in which I have not had in 7 or eight years.
Hello, I purchased some HVAC ( furnace / air-conditioner ) equipment from a business in Iowa. After the equipment arrived and was signed for I removed the boxes for it. Upon inspection I noticed the furnace was bent, and sent some pictures to a furnace technician. They said not to use it. 

After a long fight with Bank of America 's credit card division, they released payment for it, stating that I signed and received it. The XXXX attorneys I spoke to said my credit card should not release payment. I am trying to find an attorney to take the case.
Transunion will not remove the fraud alert from my credit report!!!! 
I DID NOT ASK TO HAVE A FRAUD ALERT PLACED ON MY CREDIT REPORT REMOVE THE FRAUD ALERT AND ALL ALERTS FROM MY REPORT XXXX Va XXXX SS # XXXX dob XX/XX/XXXX
Re : Acct # XXXX According to XXXX and another collection agency called XXXX XXXX XXXX XXXX, I am indebted to them in the amount of {$11000.00}. I have on numerous letters requested validity of their claim. All that l have been receiving spreadsheets with numbers on them. I have reached out to all 3 Credit Reporting Agencies, XXXX XXXX XXXX XXXX, and XXXX on numerous letters ( Please see attached letters and their responses from XXXX  ) have FAILED to honor my request. 

I have no knowledge of the validity of the alleged debt, nor of the certifiably compliant matter to either its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known to XXXX any debt claim must be pursued for collection in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection regulations associated with said claim to include but not limited to the FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, XXXX has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitant to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim by XXXX  and I call on the CFPB to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requires to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
I had a promotional credit balance for interest free for 18 mos wihich is about to expire and I have a deferred interest of XXXX that I will be charged. The original charge was for XXXX and in the 18 months I have been paying-for many months I paid over the minimum amount-only XXXX has been deducted. Approximately XXXX of that was just deducted in the past month. This is only benefiting the company not the consumer. I pay my bills online and there was never an option to allocate the money to the promotional balance. The unreasonable expectation is that the customer calls every month to wait on hold and speak to someone to properly allocate the payment. I was advised the only way to remedy the situation was to pay the remaining promotional balance by XX/XX/XXXX in the amount of XXXX, which I am unable to do.
I had been paying on my loan for over 3 years. No part of my payment had been applied to principal until 2 months ago when I called in requesting a deferment based off unemployment. 
Issue number 2. When I requested the income based repayment, my monthly income went from XXXX to approx. XXXX my payments actually increased. At this point I had to request a deferment as I could not make the payments I was instructed that payments would not be assessed however interest would continue to accrue
I started receiving a non itemized credit card bill from synchrony bank for a Amazon credit card that is not mine. Had a very difficult time contacting an actual person. Once I did, after a lengthy and confusing conversation, I was told everything had been cleared up. The situation however is not resolved and now there is a collection agency involved.
I XXXX XXXX ORDER COPIES FROM ALL THREE MAJOR CREDIT BUREAU I NOTICED THESE REPORT WHERE SHOWING I BEEN PLACE FOR COLLECTION FROM A COMPANY NAME FAIR COLLECTION OUTSOURCING CALL THEM UP TELLING EMPLOYEE THERE BY PHONE THAT I DEFINITELY DISAGREE SO I FILE A DISPUTE WITH ALL CREDIT BUREAU TIME PASS I REMEMBER BEFORE MOVING OUT TO A NEW APARTMENT THEY REQUESTED I NEED TO GET A RESIDENT VERIFICATION LETTER FROM PREVIOUS LANDLORD THAT I DID GET FROM THEM DATED XX/XX/2015 WITHIN VERY GOOD STANDING MY RENT IS DUE XXXX OF EACH MONTH WITHOUT LATE FEE AND XXXX BALANCE NO EVICTION
i have been working with Wells Fargo for a loan modification. The  Underwriter  had been requesting documents. On  XXXX / XXXX / 17  they confirmed that all the documents were in and the alert to postpone the sale date was submitted. Today when i called in they stated that the sale date was still scheduled for today and the Underwriter was requesting additional information that was NEVER mentioned in the conversation on Friday. The representative even confirmed that all the documents were in and the postponment should be completed by Monday. This just is not fair!   Please help me as i do not want to lose my home.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft : XXXX XXXX XXXX
1st issue -- Their website 's is impossible to log into. I believe this is intentional. 
I have done everything asked of me -- over and over again. 
2nd issue- I sent a XXXX check at the beginning of XXXX 2016 for an appraisal ( needed to get rid of my pmi ) No response from Seterus 3rd issue-I would like to know if a lien was dismissed when I filed for bankruptcy several years ago.
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you  signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
I received a call from Suntrust about fraudulent activity on my account and they asked me about the purchase attempts and did I approve them after I told them the purchases that I made they removed the hold off of my debit card. A few hours later I see charges from merchants, the same charges that were trying to be processed on my account. I called and disputed and they denied my claim.
Being Sued by XXXX XXXX XXXX for Private Student loans owned by XXXX XXXX XXXX. These loans are included in the recent lawsuit brought by you, as XX/XX/XXXX-XX/XX/XXXX. I have protested that I do not own this loan and yet I have a conference meeting scheduled for XX/XX/XXXX at the XXXX County Courthouse for this loan. I am representing myself and this attorney says that XXXX said for them to go ahead with this suit. How can this be when a stipulation has been ordered? This is the result of a the email from Friday, XX/XX/XXXX. 

XXXX XXXX, I did receive some disclosures but they were included with a document that was titled answer to subpoena. There is a sample form for initial disclosures on the Colorado Courts website that may be helpful for you. 

Regarding your question about XXXX and the Consent Order. We have reviewed the account and the documentation that we have, complies with the consent order and we have been given authorization to move forward with this particular account. 


XXXX XXXX XXXX, XXXX. 
Attorney at Law XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX, Utah XXXX Toll Free : ( XXXX ) XXXX Direct Dial : ( XXXX ) XXXX Fax : ( XXXX ) XXXX This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.
I have requested several times that this company send me formal debt validation. I am allowed under the Health Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third party parties, I did n't give permission to any of my current or prior providers to release any medical information to this third party. Please also note that withholding that information that was received from any medical provider in an attempt to be HIPPA complaint can be a violation of the FDCPA.
Capital One taunts its credit card as a tool to establish credit yet it does not REPORT correctly or adequately to XXXX MY good credit. 1. I have paid on my account now for 1 1/2 years and yet it is not reported. 2. They do not update my balance that decreases every month, therefore inflating a lowered credit score. 3. They do not report my correct credit limit of Credit Line : {$1400.00}. 4. They promise to increase my credit limit with good payment history and yet NOTHING. I am still at a low balance.
In XX/XX/XXXX our home loan was modified using the HAMP program. The lender offered two pay to perform benefits. One would be {$1000.00} per year for the first five years for a total of {$5000.00}. Second is a principal deduction of {$26000.00} per year for the first three years for a total of {$79000.00}. This full credit should have been completed XX/XX/XXXX. I would like to point out that this loan agreement has been signed and notarized by both parties and filed on the property. 

As of today, we have received {$4000.00} credit for the $ XXXX/year and {$0.00} of the $ XXXX/year principal reduction. These terms are stated clearly on the HAMP agreement filed on the property dated XX/XX/XXXX, page 4, paragraph 1. It also stated clearly on the HAMP offer from NationStar dated XX/XX/XXXX, page 3,  paragraphs 1 and 2. 

I called Mr. Cooper ( formerly NationStar ) several times asking about the $ XXXX/year and have been given the runaround. Here are my notes on the calls : XX/XX/XXXX - Spoke to XXXX at Mr. Cooper. Was told that two {$1000.00} ( XXXX, XXXX ) were on record but nothing on $ XXXX/year. She was sending an inquiry to pay to perform department. 

XX/XX/XXXX - Spoke to XXXX ( in AZ ). Inquired again about credit noting that it shouldve been completed in XXXX and that it was two years past due. I was told that it was a typo and that I would only get the $ XXXX. Transferred to XXXX XXXX, supervisor ( x XXXX ) and told it was being reviewed by pay to perform XX/XX/XXXX - Received letter showing credit of {$4000.00} for pay to perform incentive. 

XX/XX/XXXX - Left message for XXXX XXXX. Call returned and he stated there has been no feedback on my inquiry. 

XX/XX/XXXX - Spoke to XXXX ( in AZ ) as XXXX is now unavailable to take my calls. He told XXXX he will email me. After some heated complaints of all the emotional distress Ive experienced dealing with them I was finally given to XXXX XXXX. He stated again that he did not have an answer. He said something about the documents being reviewed. 

Overall, getting a HAMP loan has been an extremely stressful process on us. We had to hire attorneys to get it in the first place. Now Mr. Cooper has made it clear that they have no intention of honoring our agreement ( that they offered ).
CRA/HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
We previously had services with XXXX and we were told after we terminated services with them that we still owed {$330.00} for services that had accured after we paid our last bill. These charges were claimed by XXXX after we terminated services, paid our final bill and returned all XXXX equipment. The account number is XXXX. We strongly disagree with what XXXX is trying to do and feel it is unfair. We can not pay this bill due to insurmountable curcustances, and the fact that this bill was presented by error. However, we agreed to pay them anyway as soon as we got our refund gift visa card from XXXX between the end of XXXX to the end of XXXX. They keep harrassing us for the past several weeks with daily phone calls by demanding full payment immediately. We have explained our circumstances to them 2-3 times, yet they keep calling XXXX+ times a day. The number of the collection company, ACSI XXXX collections, is : XXXX. Please stop these harrassing calls!
I have a student loan debt of over XXXX from XXXX University for an XXXX degree in XXXX XXXX XXXX and I have n't been able to get a job with this degree and if I get a job it only pay the minimum wage because you must have experience of more than a year with credentials.
Capital One refuse to remove a late payment due to there fault. About XX/XX/2017, Florida was face with Hurricane Irma. I was with out power for 10 days in state of emergency after the storm. Once I got power back up and running, I checked my email and settled all my accounts. Capital One failed to send a statement via mail or electronically. I notify them once I saw my statement the following month, which I had received a 30 day late note. I ask them to remove the late payment, I ask them for proof of sending the statement electronically or via regular mail. They refused. An associate stated to me that they are not responsible for mail service.
I contacted FedLoan Servicing via their " Contact Us '' email on XXXX to inquire about the status of my income driven repayment request and informing them that I ca n't afford the standard repayment. I received an automated response acknowledging receipt of my request, but no answer. I also completed all of the income-driven repayment ( REPAYE ) info via studentloans.gov on XXXX and have yet to see my payment change. I contacted them again yesterday via email and received another canned response without having any of my questions/concerned addressed. I expect that any delinquency reporting will be cleared up with my credit bureaus and that someone will reply to me to update me on the status of this request. Please reply so I can resume repayment at an appropriate payment level. I have documentation of all of these requests.
North Shore Agency has sent repeated letters to my home with derogatory statements on them in large boldface print such as : WE WANT TO BE PERFECTLY CLEAR, YOU CAN NOT IGNORE US, THIS IS UNACCEPTABLE!!!

My husband attempted to contact them numerous times regarding the {$69.00} they were attempting to collect. He also emailed them. No one responded. They continued to send derogatory letters to my home for something I had already settled with the original company I purchased from.
Roadloans.com put a hard inquiry on my credit without authorization. I called and spoke with XXXX who told me that he did n't know where it came from, but they could n't remove it. There is no possible way I authorized this through them or anyone else for any kind of loan.
I have been struggling to make my payments on this private student loan that I have with Navient. I had a co-signor and when I miss a payment they will repeatedly call the co-signor several times a day. She has received at least 1 call from them every day for over 60 days. The last time I spoke with Navient ( which was XX/XX/XXXX or XX/XX/XXXX ) I confirmed all my information and asked them to call me and not her, but they still call my co-signor relentlessly. Several times a day, but have not tried to contact me. I understand that i took the loan and I am responsible for it. But to call us continually, every day, several times a day is HARASSMENT!!!!

And should we discuss the fact that the people she and I have spoke with in the past seem to think they can be rude and disrespectful just because I am 1 or 2 months behind on my payment!!!! I am willing to submit any documents I have including and not limited to phone records showing the # of incoming calls my co-signor has received.

Seems Navient ( among other companies ) thinks they have the right to harass people just because 'we ' owe money.

I would appreciate a response to this complaint. I have been dealing with many financial and personal hardships since I took this loan.
For years now , Navient k ept sending me bills that did not comport with what the representative ( usually not in this country ) was telling me over the phone when I called to ask why no amount was listed as due. The prior calls with other representatives gave contradictory information and I was told that I would received explanatory information in the mail. Nothing would ever come. As a person with a more-than full time job, I could not spend hours on the phone with representatives unable to clearly explain why interest, principal amounts and fees were being allocated in the manner that they were and then I would receive a bill that did not reflect what the representative told  me two w eeks or a month prior.   I inevitably got behind trusting that the representative was correct which then turned into additional fees, interests on top of capitalized interest and added to the principal.
In XXXX I got divorced. A quick claim deed was signed as well as in the divorce decree it states that the rights to the property were given solely to me. Since then i have had XXXX loan modifications done with my information only, and each time Citimortgage refuses to remove my exes name from the mortgage. They say they are not allowed to even though there is no law saying they must retain her name. I have sent them a letter requesting the information under which they make this decision but do n't know the outcome of that. The first loan mod was done in XXXX after Citi said no partial payments were accepted in catching up payments that i fell behind in XXXX for hospitalization. I found that to be wrong 7 months after the occurrence. and they never once included in any discussion my exes name or even if she had to sign or participate. after the trial payments and the paperwork was returned and then they said they never received the paperwork or the check, which i had those involved prove to them the info was received on time and by whom. I then get the news that my ex had to sign. Later they without writing increased my amount to more than i could handle at that time. So XXXX XXXX I put the house on the short sale market. after XXXX bids were rejected i find out just in XXXX that a retention had to be done by FHA requirements. Finding out that it was supposed to be done before any short sale according to FHA. so a few weeks ago i submitted the paperwork not expecting anything and now they approved another loan mod. This is the 2nd XXXX i referenced. Again they said no info was required for my ex or any paperwork needed from her. But after talking to citi I would like to stay and i can make the payments and i accept the loan offer, they still will not remove her name and that is the problem. I can not stay in my home if her name is not released. She wants no part of this. This is a brief run down of the occurrences that happened. It is more complicated than that but the name removal is now priority. If her name is not removed from the mortgage the property will be up for short sale again. I see no reason after having been approved for XXXX loan mods now that her name should remain on the mortgage.
Re : XXXX XXXX XXXX - Case # XXXX This has been paid and fully satisfied on XXXX XXXX, 2014 and recorded at XXXX County on XXXX XXXX, 2014. Please update my account as this is impacting negatively on my report.
They called using a automated communication phone it did n't have my name or who they were calling for they have called for the last month. And their is no to speak to