WillisBack/dataset-financial-user-claim huggingface dataset:
We, XXXX and XXXX, do not owe a debt to DITECH FINANCIAL for the following reasons. It or its predecessors repeatedly acted to financially injure us in amounts that far exceeded an alleged debt, in violation of the contract and State law. In XXXX instance, the original lender, XXXX, or its agent charged my account approximately {$5000.00} in " legal fees '' but fraudulently reported the amounts I paid to the Internal Revenue Service as mortgage interest paid. We complained to the companies and demanded that the money be refunded or credited to the account. The amounts paid to the companies were applied illegally to " legal fees, '' but not the principal balance or " mortgage interest. '' The amounts paid to the companies, including damages far exceeded the alleged loan obligation. 
Further, under the laws of the State of California, the statute of limitations prevents them, or their agents or assigns from obtaining a judgment to collect on this expired, fraudulent claim.
Equifax has not updated the information provided by XXXX mortgage XXXX provided wrong information to credit bureaus Equifax is the only company NOT to update after receiving info from me and XXXX they continue to leave foreclosure information on the bureau report even when asked by XXXX and my self to remove ( see attached )
On XX/XX/18 and XX/XX/18 ; I requested by certify letters to each of the 3 credit bureaus demanding that they provide " verified proof '' of the following creditors on my credit report : ( 2 ) XXXX XXXX XXXX ; ( 3 ) XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX  ; and XXXX XXXX. These accounts are all reporting an inaccurate payment history status. As of this date, XX/XX/2018 ... either of the bureaus has " 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 ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, I'm requesting promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and remedy available to be Section 616 & 617 if they fail to comply with Federal Law.
On XX/XX/18 I purchased a XXXX XXXX  sample lotion, ad said free pay only for S & H of {$4.00} when the XX/XX/XXXX bank statement came the {$4.00} charge was from XXXX XXXX. 
Then I received my XX/XX/XXXX statement which had a charge of {$89.00} from " XXXX XXXX XXXX '' I did not have a clue what this was, so I called the bank and disputed the charge. While the bank was investigating the charge. I received a package in the mail which was another 1 oz sample size of XXXX XXXX with my name, address and invoice for {$89.00} which I had not ordered. I wrote REFUSED on it and sent it back the next day. 
I called the bank to let know who the charges were from as we did not know. Then I receive my XX/XX/XXXX bank statement which had one charge dated XX/XX/XXXX XXXX XXXX XXXX for {$89.00}. And another dated XX/XX/XXXX Bal. adjusted for XXXX XXXX XXXX for {$89.00}. 
So I now have 2 charges of {$89.00} neither of which I ordered. I called the bank & was told it was in the bands of billing and noone could help me. 
Talked to 2 different men in the fraud dept. and they told me I signed and gave them my credit card number, so I owed it. Companies always say its a sample and no charge except S & H and I should know that. Then I receive about 13 pages from B of A telling me that they received the invoice from the company and everything looks valid, so I owe the amounts. I told them I will not pay it, I did not order it, and if they will not stand up for their customers, THEY CAN EAT IT. Then I received my XX/XX/XXXX. statement showing a balance forward as an unpaid balance. 
I called XXXX XXXX XXXX and nobody knows anything, they did not charge me. Then I called XXXX XXXX, XXXX not in service. Then I called XXXX  XXXX @ the number on the bank stmt, she said they were XXXX XXXX. when I started asking her questions, she got nervous. I told her to take my name off their lists and do not ever contact me again. 
She offered to discount XXXX XXXX so I could purchase more. 
I told her that I am sure she received the pkg I sent back that I refused. She said we do not take returns. So if you sent it I do not know where it went, because we do not take returns period. 
Also, everything they sent the bank is one big huge lie. They never sent me an invoice except as I said my name, address and {$89.00} charge on a tiny little invoice. I sent it back with the refused pkg. The bank said they received the invoice, they made it all up big fat lies. plus they never contacted me once. Only the one small invoice. They never called me, emailed me, absolutely nothing. Anyone can make up a phony invoice after the fact because that is exactly what they did. 
These people are lying, cheating rotten to the core, bad bad bad and need to be taken down. 
XXXX XXXX XXXX XXXX XXXX
Account with XXXX XXXX XXXX was opened XXXX XXXX, XXXX for XXXX XXXX XXXX in the amount of {$270.00} and this account is due to identity theft from my ex husband who used my social security number without my permission or knowledge. I have disputed it multiple times on my credit to no resolve or contact from company.
I disputed XXXX debts posted by this collection agency to my credit reports, as they are not mine. However, when I disputed them, the company re aged the debts and posted them to my report as if they were new. Please have them removed.
I received a series of calls and an email to activate a Citibank commercial credit card that I neither received nor applied for at any time in the past. 

According to the " Citi Commercial Cards Team '' : We recently sent you a new, Citi Chip and PIN card to replace your old, magnetic stripe card. Our records indicate that you have not yet activated your card and selected a XXXX-digit PIN. 
To activate your card, call toll-free XXXX or visit XXXX.citimanager.com/corporateWhen I called, I was put on hold for a " XXXX '' and no one ever came back on the lie for XXXX-minutes. 

I suspect that either I am a victim of identity theft, and/or some form of scam - as I can not get a response from the people who claim to have issued this card. There is some big mistake in their issuing a card to someone else, or this is a scam/fraud that needs to be resolved.
I have a personal loan from Patriot finance. They are incorrectly reporting that my loan is a derogatory status and showing as many days late. We have a payment agreement and I am paying as agreed and my account does not reflect this.
I checked my score and have seen that there are 17 plus hard inquiries on my score from creditors from which only few i recognize and have authorized only 3 creditors ( XXXX, XXXX XXXX, XXXX / XXXX ) rest all are not recognized and authorized by me. 
So these hard inquiries should be removed from account. 

I tried calling XXXX but they said they wo n't take care of it and can not delete these hard inquires.
Dear Consumer Financial Protection Bureau : I have decided to do my own form of bankruptcy program, since my spouse and I have accumulated a great deal of debt over the years paying for our children to finish college and graduate school, as well maintaining our home. Accordingly, we request a " Cease & Desist '' on any calls to our home or work while we work out our financial matters. We will be from this going forward until the end of XXXX XXXX will be eliminating no less than a dozen lines of credit, as well as the balances on our vehicles. This in turn will eliminate over {$4000.00} in monthly charges that we can eventually apply to any unpaid credit balances, either by settlement or reinstatement. We will place all our student loans in deferment until we can attack these debts one by one. Our second mortgage will be maintained as current, but our first mortgage must go into default until XXXX of XXXX. At that time, we can start making mortgage payments and wish to place the arrearages on the back end of our mortgage. We did have plans on selling our home by the end of XXXX. Our program will work better than any bankruptcy plan that a Chapter XXXX would procure. Therefore, since we know what we are attempting, we do not desire collection calls to our home or work. We will communicate in written form only, and we believe that our program will work out as planned. We do not desire any foreclosure action on our first mortgage as our intentions are pure to start making payments starting XXXX XXXX without exception. Therefore, we desire a complete " Cease & Desist '' on all calls immediately. Thank you for your consideration in this matter as we have submitted written request to our creditors, but the " Cease & Desist '' has been neglected.
PennyMac stole {$1700.00} out of my Escrow account. 
In XXXX 2016, my Escrow balance was {$770.00}. I made a payment of {$2300.00} into my escrow, and my real estate taxes ( {$1400.00} ) were paid this month ( XXXX 2016 ). I should 've had a remaining escrow balance of {$1700.00}, but PennyMac listed my remaining balance as {$15.00}. 
The problem has continued to compound throughout 2016. My XXXX 2016 Escrow balance should be {$2600.00}. PennyMac shows it as {$750.00}. There is a {$1900.00} discrepancy.
Wells Fargo Bank took money from my checking account and put the money towards the principal. The money was for my mortgage. Now I ca n't pay on time because of the late fees. I paid XXXX
To knowingly or willingly employ any device, scheme, or artifice to defraud ; ( b ) To engage in any transaction, practice, or course of business which operates as a fraud upon any person in connection with the purchase or sale of any mortgage loan ; or loan modification ( c ) To obtain property by fraud, willful misrepresentation of a future act, or false promise. ( d ) In any matter within the jurisdiction of the office, to knowingly and willfully falsify, conceal, or cover up by a trick, scheme, or device a material fact, make any false or fraudulent statement or representation, or make or use any false writing or document, knowing the same to contain any false or fraudulent statement or entry. 
To violate s. 655.922 ( 2 ), subject to ss. 494.001-494.0077. 
Commission of fraud, misrepresentation, concealment, or dishonest dealing by trick, scheme, or device ; culpable negligence ; breach of trust in any business transaction in any state, nation, or territory ; or aiding, assisting, or conspiring with any other person engaged in any such misconduct and in furtherance thereof. 
XXXX XXXX from Suntrust engaging in constant concealment and misrepresentation of facts. 
Borrower was charged for items or " Advances whit the borrower already had long paid : This complaint is to address the XXXX/XXXX/2012 $ 107.29 % XXXX/XXXX/2012 alleged advances for which the borrower already paid again part of non existent and concocted modification : 1 ) Borrower was charged {$100.00} which XXXX XXXX from Suntrust is insisting it was not paid! The receipt & even the statement from Suntrust acknowledged the payment of {$100.00} ( see attached ) 2 ) Borrower was charged again for the {$210.00} which was already paid back. The amount was subtracted by Suntrust already in from the borrower escrow balance in XXXX 2012. 
-See statement for XXXX/XXXX/2012 Escrow balance as of XXXX XXXX {$2600.00} -See statement for XXXX/XXXX/2012 XXXX/XXXX/2012 the hazard insurance is paid XXXX - {$2800.00} = - {$210.00} Same statement the payment from XX/XX/XXXX adds money to escrow + {$600.00} See escrow balance now = {$390.00} If the advance of {$210.00} would not be subtracted the escrow would be {$600.00} This is just simple math! How can XXXX Bank/Mortgage investigator be so incompetent! 
This is another {$310.00} charged to borrower for payments that were already made!
I SENT THIS COMPANY A COPY OF MY CREDIT REPORT SHOWING I DID NOT DO BUSINESS WITH THE COMPANY THAT THEY ARE COLLECTING FOR SINCE 2006 IN WHICH THAT ACCOUNT WAS PAID FOR. I HAVE NO KNOWLEDGE OF WHAT THEY ARE COLLECTING FOR AND THEY HAVE NOT SENT ME ANY EXPLANATION OF THIS DEBT EVEN AFTER I SEND THEM CORRESPONDENCE ADVISING THEM THAT IT WAS NOT MINE. NOW THEY ARE STARTING SOME LEGAL PROCESS.
I received a letter XXXX XXXX XXXX XXXX showing my credit score.Trans Union FICO Classic showing Serious Delinquency, and Public Record or Collection filled, And with XXXX   XXXX has on there report serious Delinquency and Derogatory public record or Collection filed? I don't understand anything they are reporting! please help with this matter
On XX/XX/XXXX I called Freedom mortgage & asked for a pay off amount. They sent me an email for the wrong acct & name. XX/XX/XXXX I called again told them the wrong info was sent. Since I did n't want to get a late charge, I went ahead & made a payment for XX/XX/XXXX for {$510.00}. {$15.00}. was for a draft fee. A XX/XX/XXXX payment was applied for {$180.00} the rest of the money should of been applied to the principal. For some strange reason they applied it to the escrow acct for XX/XX/XXXX & XX/XX/XXXX. XX/XX/XXXX I once again asked for a payoff amount. The wrong amount was sent. 2nd phone call XX/XX/XXXX, I told them the amount was wrong, they put in a request to take the escrow payments for XX/XX/XXXX & XX/XX/XXXX. put against the principal. On XX/XX/XXXX I once again asked for the payoff. Once again I got the wrong amount. XX/XX/XXXX tried to get the payoff, still was n't correct. The lady I talked to put in another request to correct the XX/XX/XXXX payment. XX/XX/XXXX I called to see if they had corrected it. I was told the cash section said it was applied correct. The man I talked to said he could put in the request again. But they would n't put XX/XX/XXXX escrow back because then I would have to pay a late fee. He did n't know who to send a complaint to.
I have a bank account with US Bank and created my personal account there. I was told there would be no charges, and there were none for a while. However, recently I have been getting charges on XXXX accounts. I opened XXXX because I was doing the personal banker a favor by opening accounts they called me out of the blue to open. They told me they needed them for the quota for that month. I stated as long as I do not get any fees I will open them I am getting fees on them like monthly maintenance fees and getting coinage fees. I can not afford these fees and I do not apreciate them charging me without my knowledge.
I have repeatedly contacted SCA Collections and asked them to send me proof that two accounts belong to me. They are both duplicate accounts, but just have different account numbers, but all the other information on the credit report is accurate. Every time they tell me they can not verify that it is mine, they just tell me it is without any proof, and tell me to contact the original debtor. So I contacted the original company and they do n't have any information about the account and it is a circle of forwarding to different companies who each do not have any information about any account that belonged to me. Eventually I was forwarded back to SCA Collections. I informed them about this, yet they refuse to remove the accounts. I contacted XXXX about it ( the only credit bureau with these accounts in them ) and they say they 've " verified the information '' yet how can they verify if when I call to verify they do n't have any relevant information for me. I do n't have any documents because the account is n't mine.
I initially requested a hardship/deferment for my student loans with ECMC. I did n't receive any late notices or requesting information letters from this service provider. Now I am receiving letters of wage garnishments. When I talk to reps on the phone my calls are never documented like they should. I have even reached out to the ombudsman. I have submitted requests to have documents to be re-sent to me, and have not received anything. I have even requested assistance on how to rehab the loan. This collection agency is not helpful at all. I am willing to pay something, but they will not provide the requested information in writing.
False and not agreed upon information was reported to the XXXX & XXXX  that hows now affected me and my husbands credit in a negative way. On XXXX, ISPC reported that the account we have with them that was " paid as agreed '' with the agreed upon amount by them and us was reported as a negative/adverse account. It was wrongly reported as " closed & not paid as agreed ''. They also reported the same negative/derogatory incorrect information with the date of XX/XX/2017 to XXXX. All the information reported to both of these credit bureaus is wrong and was not what was agreed upon after they received payment for the account. I believe there intent was after receiving their money, they wanted to ruin our credit maliciously which has now affected us in a negative way. I have made numerous attempts to reach out to them to have them correct the information on out credit and they have stated they will not change the information. They are sharks and scam artist with the goal of ruining peoples lives and credit with " 0 '' understanding and do not keep their agreements after payment received.
" consumer debts that did not arise from a contract or other agreement by the consumer to pay '' are no longer supposed to be derogatory marks on credit reports as of the new fair credit reporting laws. 

i joined XXXX last year and saw this mysterious mark on my credit that said XXXX '. i had loaned someone who lives in XXXX my car for a month to help them - but they had never told me my car got a ticket and i had moved so i assume i just never got it in the mail. i wrote the company and said i knew nothing about this fine and that i refused to agree that it was a true debt but that i would be willing to pay the full amount ( plus XXXX $ ) in full if they removed it from my credit report because i would rather not fight about it. they simply then sent me a bill in return - the first i had seen - and tried to up the amount of money they claim i owe without agreeing to remove the stain from my report so i did nothing. 

i just was sent an article recently claiming that credit companies now have to remove such bad marks as parking tickets since as in my case it was not a contract where i agreed to pay and did not.
XXXX XXXX XXXX has badgered my client about a debt was that incurred over 8 years ago and that was paid and that has been barred by the statute of limitations for over four yearsXXXX
There are absolutely NO options available to us that have these private student loans. The only option is forbearance and the max is 24 months! Plus you have to PAY for it!! XXXX XXXX calls my phone almost every 2 hours!! I do n't have the $ XXXX/mth payment! Do n't they get it? how can I possibly pay $ XXXX/mth on my private student loans? When will something be done about this? There are really no other options with These private student loans. I would even try to pay {$50.00} or something on it every month but to them it does n't matter, it 's still late. So what other option do I have?? Default. My degree was totally worth it. Yea right. There is no way that an XXXX or XXXX yr old student knows what tey are getting themselves into when they sign these promissory notes. No freaking way. Because if they had told me what I know now at XXXX I would have ran out of that school. We are slaves to debt for the rest of our lives. Predatory lending practices ... yes it exists. Unfortunately it has snuck its way into our educational system, crippling students that have no idea what they are getting into. I just ca n't believe nothing has yet to be done. 
When I went into the school to see my counselor because i was having a hard time finding work, ( as promised the school has job leads and placement ) she handed me a stack of XXXX job applications. Very professional. I feel like i was completely ripped off at an extreme cost.
I have been trying to work w ith Fay Servicing for over a month. They have approved a modification ; however even after reviewing our financials they have set the payments higher than the loan amount. When I called to see if there was anything they could do I was told no the amount was based off the information I provided. I have called 2x a week for a moth to be told the account manager was not available and advised to leave a message. This company has no interest in helping anyone. I 've reviewed the term of the modification and they have set the loan for 20 years. Had they actually wanted to help us the term would have been set at 30-40 ye ars to make the payments affordable.
I C System placed a collection account on my credit file for {$130.00}. I have not received any correspondence about this debt and I do not know who it is with. I noticed on my credit report today XX/XX/XXXX that it was placed on XXXX/2017.
I had some fraud on my bank account and Chase bank is helping me with disputes but My bank account went into the negative because of the fraud charges and they are only removing 2 of the nsf fees and not all of them. I have been with chase for 4 and a half years and now feel like they are mistreating me. If I can't get them to resolve this matter I will be leaving Chase for good.
A month or so ago, I contacted Equifax to let them know that they were reporting my account with XXXX XXXX as " OPEN '' with a high balance, when in essence, the account had been closed in XX/XX/. I faxed them a statement, " PROOF '', from XXXX XXXX  that proves the account was " CLOSED '', and that XXXX XXXX had advised me on that statement, that they would alert all 3 credit reporting agencies, that my account was in a " CLOSED '' status. I even faxed proof to Equifax. In the interim, they emailed me that the dispute had been " resolved ''. When I went in to check the dispute disposition, I discovered that Equifax had " DELETED '' my XXXX XXXX account from my credit report file. I did not ask them to " DELETE '' my entire credit history with XXXX XXXX. They can not legally do that as if I never had a XXXX pristeen credit history with the company. I asked them to change the " OPEN '' status, showing I owed XXXX XXXX about {$6000.00}, to " CLOSED ''. XXXX XXXXXXXX is an angry, vindictive corporate entity that wishes to hurt my excellent credit in any way that they can because I terminated my relationship with a horrific company with an exorbitant APR that had been " sucking the life out of me '' for years. My credit report has to be returned to the correct current status.
My identity and personal information was stolen in XX/XX/XXXX. For months, I have battled phone calls from creditors and collections for accounts that were not opened by me. I 've had to work with these companies in order to close these fraudulent items. I have also had to file identity theft affidavits and police reports in order to get these things off my report. This has caused a huge amount of emotional turmoil in my life because of the fraudulent information showing up on my report. I am filing this complaint because there is a total of 31 inquiries on my Equifax credit report that I never made nor authorized. The person or people who stole my information have been making credit applications all over the place which has negatively affected my score. I am including a copy of an identity theft police report from the XXXX XXXX Police Department with more details on my identity theft. The following inquiries need to be deleted immediately as it was someone else who stole my identity that was making them : XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX,  XXXX - XX/XX/XXXX, XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX,  XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX,  XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX