WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX i did a home modification agreement with Wells Fargo Bank so i can afford to pay my mortgage and keep my house. The Modification agreement stated that I would start paying 2.15 % up to XX/XX/XXXX then 3.125 % to XX/XX/XXXX then 4.15 % to XX/XX/XXXX and finally 5.125 % after XX/XX/XXXX. " The modification agreement '' further stated that if i do not accept it without alteration I would loose my house to foreclosure. I therefore signed the agreement. In XX/XX/XXXX my XXXX 10year XXXX mortgage eclipsed and it went from 4.32 % interest rate to 6.2 % because as the bank said i had a bad credit and there was no negotiation whatsoever. The result of these interest increases went from $ XXXX/per month to {$1000.00} for my XXXX mortgage and from $ 320/per month to {$520.00} on the XXXX mortgage, a $ XXXX monthly increase in interest and cash flow. I have contacted the bank and asked to refinance both XXXX and XXXX mortgages at a lower interest rate so I can keep my house but i was rejected. My income remains the same as XX/XX/XXXX. I am current with my mortgage now but in 2 months my savings will be depleted and i would probably loose my home. I would like to keep my home and refinance/modify the XXXX and XXXX mortgage back to XX/XX/XXXX levels.
Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ma XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX TRANSUNION XXXX Re : Acct # UNKNOWN BALANCES ON BOTH CLOSED ACCOUNTS ARE $ XXXX/ {$6000.00} To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I HAVE LATE PAYMENTS ON MY CLOSED XXXX XXXX STUDENT LOANS This is a formal notice that your erroneous claim ( s ) is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, Transunion, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC :  Attorney General 's Office CC : XXXX XXXX XXXX
As soon as the payment is a day late, they are repeated calling and leaving voice messages on my phone. When calling Conn 's and giving my phone number, they stated that my phone number is not associated with any account. They were informed to stop calling my phone and leaving repeated messages.
My student loans are in default and require rehab. I contacted my creditor, Coast Professional, in hopes to make arrangement to start the rehab process. Over the phone I was originally quoted a payment amount of {$80.00}. This conversation included everything about my financial situation. After submitting my paperwork the payment amount I was later quoted was {$250.00} which was waaaaay out of my ability to pay. I offered to make the max payment amount I could of {$100.00} and they would not accept it under the rehab program. Told me that I could make the payment but it would not change how they reported to the credit bureau and I would still be at risk for treasury offset. I explained to them that I live in XXXX XXXX and the cost of living is VERY high, plus I am a single mother of XXXX with no additional financial help and have some children in daycare. They patiently listened but offered not additional options. I am fully aware that I have created this situation for myself but I want to make it right and I want to be given the opportunity to do so. I do n't know where else to turn. Please Help
XXXX IS SHOWING ON MY CREDIT REPORT AT A CREDIT CARD WITH A LIMIT OF {$1300.00}. I HAVE NEVER GIVEN THEM PERMISSION TO ACCESS MY CREDIT TO MY KNOWLEDGE. I WAD DECEIVED INTO ALLOWING THIS COMPANY THAT I THOUGTHT WAS AN ACTUAL STUDENT LOAN COMPANY CHARGE ME {$1300.00}. APPARENTLY XXXX USES XXXX TO RECEIVE PAYMENTS ON THE COMPANY BEHALF. ACCORDING TO XXXX THEY LOANED ME {$1300.00} TO PAY XXXX TO SUBMIT AN APPLICATION TO THE DEPARTMENT OF EDUCATIONS STUDENT LOAN FORGIVENESS PROGRAM. IT IS SHOWING THAT I HAVE USED 89 % OF THE CREDIT LIMIT WHICH HAS NEGATIVELY AFFECTED MY CREDIT. I WOULD LIKE THIS ITEM REMOVED BECAUSE I DO NOT RECALL ELECTRONICALL SIGNING ANYTHING STATING THAT THIS WAS OK. THEY ARE CHARGING ME {$49.00} A MONTH UNTIL THAT {$1300.00} IS PAID OFF.
I 've contacted and written Capital One Auto about the car repossession and asked them to remove it off my credit since they sold the debt to XXXX XXXX XXXX XXXX. They both have violated the F.D.C.P.A as the state of Ohio Statute of Limitations is 6 years. I 'd like for both companies to stop the harassing phone calls and to remove this account from all 3 credit bureaus ( XXXX, XXXX XXXX, XXXX )
On or about XXXX XXXX, XXXX we learned that Castle Credit had placed a lien on our property in XXXX. On or about XXXX XXXX we began contacting Castle Credit by telephone. During the initial call on XXXX XXXX and in several calls since then, we have explained to various representatives at Castle that we are in the process of selling our home and would like to get this matter resolved quickly so that we may close on our home by XXXX XXXX. In the very first conversation with Castle, we were told that Castle no longer owned the debt associated with the lien and because they no longer owned the debt they could not provide us with any information regarding the debt, including the balance. In each subsequent conversation with Castle, we have asked Castle to either release the lien as, per their own admission, they no longer own the debt associated with the lien or provide us with the amount of the debt we allegedly owe ( see call log attached ). While we have been repeatedly told by Castle that they no longer own the debt, Castle has continuously refused to release the lien with most recent conversation ending when the Castle supervisor abruptly hung up on us. At the same time, Castle has also refused to provide us with any information of the alleged debt, most particularly the debt amount. 

We simply can not be held hostage by Castle. This action or blatant inaction by Castle has the potential to prevent us from completing the sale of our house and cause us great emotional and financial distress. We have had no choice but to explore our various options of recourse. We have contacted counsel and have been advised we can file a Quiet Title claim and seek recovery of our attorney 's fees. We were also advised to file this complaint Consumer Finance Protection Bureau as well as the North Carolina Department of Justice Consumer Protection Division and the Better Business Bureau.
I paid off a balance a month ago plus two derogatory remarks came off my account and my credit score went down plus the show the balance I paid off as still being there The amount is {$12000.00}. fora XXXX XXXX credit card it show I still owe it. as per equifax, and they have since updated my records 4 time. Also shows my credit age as 3 months 6 years when it is closer to 8 years. Also XXXX shows I havXXXX 2 open accounts equifax says 14. Lets get it together huh, people, this has big impact on peoples lives everyone wants us to have a good score but none accurately keeps one
When the bill came through the hospital it was XXXX and I paid XXXX up front before XXXX on a XXXX deductible. They are trying to collect XXXX dollars and will not send an itemized statement after being asked to do so. 

Calls numerous times a day and on XXXX.
PURCHASED CAR XX/XX/2015, WHEN PURCHASED DEAL OF 75 MONTHS 0 % INTEREST AND NO PAYMENT FOR 90 DAYS. BECAUSE THIS WAS NOT WRITTEN IN ACTUAL CONTRACT, THEY DID NOT EXTEND THE 90 DAY OFFER. NOW I HAVE A 30 DAY LATE PAY SHOWING ON MY CREDIT REPORT. I HAVE TRIED TO CORRECT REPORTS, DEALER REMEMBERS THIS WHOLE THING BUT SINCE WE SIGNED CONTRACT AND IT WAS NOT WRITTEN IN CONTRACT THEY ARE NOT ABLE TO DO ANYTHING. THIS IS HORRIBLE AND EFFECTS ME GREATLY
XXXX tried to repair my 24 year old clothes dryer, after assuring that it will work like new again, which did not produce enough heat to dry clothes at a reasonable time.But they failed to do so. It produced same inadequate heat like before. After repeatedly asking to correct the situation, I finally stopped payment. Now they are hounding me to collect even more money from me.
I am currently in the process of trying to get a loan modification with Nationstar Mortgage.I was approved for a modification when my mortgage was with XXXX.Only to have XXXX transfer my mortgage to Nationstar and I had to start the process all over again.I submitted all my paperwork into Nationstar only to have them continue to say I was missing items. ( All items requested were submitted ) After submitting my paperwork over 16 times I had no choice but to file for Chapter XXXX.I am now again trying to modify my mortgage outside of my BK and wanted to know is their someone that I can work with from start to finish to complete this task correctly.
ON XXXX AT XXXX, I SENT MONEY THROUGH XXXX XXXX XXXX MONEYGRAM LOCATION XXXX XXXX XXXX XXXX AND DURING THE PROCESS, THE AGENT CLEARLY SAID TO ME MONEYGRAM HAS A NEW POLICY TO REQUEST PHOTOCOPY OF ID AND ALSO I MUST WRITE MY SOCIAL SECURITY NUMBER ON THE PAPER HAVING MY ID PHOTOCOPY. I SAID IT WAS NOT FAIR TO REQUEST ID PHOTOCOPIED PLUS SSN .HE SAID IF I DOUBT, I CAN GO TO XXXX XXXX .I WAS IN AN URGENT SITUATION SO I SENT THE MONEY .BUT BETWEEN XXXX AND XXXX I CALLED MONEYGRAM HEADQUARTER TO ASK IF THEY HAVE A NEW RULE TO REQUEST ID AND SSN? MOREOVER, I ASK MONEYGRAM TO SEND ME A WRITTEN COPY STATING CLIENTS MUST PROVIDE ID+ SSN ; XXXX SAID IN SOME CASES WHEN THE AMOUNT OF MONEY BEING SENT IS HIGH, AN ID IS REQUIRED BUT NO SSN. SHE ALSO SAID IN MY CASE MY AMOUNT SENT WAS LOW AND I WAS WRONGED BY AGENT. THEN I FILE A COMPLAINT ( CASE XXXX ) BECAUSE SHE SAID I WAS WRONGED BY AGENT .WHY WILL AGENT TREAT ME DIFFERENTLY BY REQUESTING EXCESSIVE INFORMATION THAT ARE VERY SENSITIVE? NOW, I AM VERY SCARED MY INFORMATION MAY BE USED WITHOUT MY CONSENT OR FOR OTHER PURPOSES WITHOUT MY KNOWLEDGE. IF AGENT IS WRONG, WHAT CAN MONEYGRAM DO TO ENSURE ME THAT I WILL NOT BE AN IDENTITY THEFT VICTIM BECAUSE AGENT HAD ACCESS TO MY SENSITIVE INFORMATION? 
BEST REGARDSXXXX.
This debt was removed from all credit bureaus several months ago. It was not removed as a result of a bankruptcy ( Ive never filed for bankruptcy ).
Keeps showing late payments history. Transunion/XXXX XXXX will take it off one month and the next month it will appear back on my credit report
My credit card balance was reduced before I received any notification for the reason for the reduction. I did not have ANY late payments and paid more than the minimum amount due a majority of the time.The reduction was on all of my Synchrony Bank affiliated accounts ( 6 in total ). After I had the balances paid down to about half of the original credit limit, Synchrony Bank reduced all of the balances of the bank cards I have with them causing my credit utilization to increase drastically and causing detrimental harm to all 3 major reporting credit bureaus. It looked as if the 6 credit cards were maxed out to their limit. I called customer service and was told there was nothing I could do. 4 decreases in XX/XX/XXXX alone. 

Here are the original amounts and account # for each Synchrony Bank affiliated accounts : SYNCB/XXXX XXXXXXXX # XXXX - Balance as of XX/XX/XXXX {$72.00} Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX & {$310.00} from XX/XX/XXXX to XX/XX/XXXX SYNCB/BELK # XXXX - Balance as of XX/XX/XXXX {$91.00} Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX & {$370.00} from XX/XX/XXXX to XX/XX/XXXX SYNCB/CARE CREDIT # XXXX - Balance as of XX/XX/XXXX {$42.00} Credit limit of {$1500.00} from XX/XX/XXXX to XX/XX/XXXX & {$500.00} from XX/XX/XXXX to XX/XX/XXXX & {$250.00} from XX/XX/XXXX to XX/XX/XXXX SYNCBXXXX # XXXX - Balance as of XX/XX/XXXX {$380.00} Credit limit of {$2000.00} from XX/XX/XXXX to XX/XX/XXXX & {$1200.00} from XX/XX/XXXX to XX/XX/XXXX SYNCB/XXXX # XXXX - Balance as of XX/XX/XXXX {$82.00} Credit limit of {$600.00} from XX/XX/XXXX to XX/XX/XXXX & {$320.00} from XX/XX/XXXX to XX/XX/XXXX SYNCB/WAL-MART # XXXX - Balance as of XX/XX/XXXX {$49.00} Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX & {$210.00} from XX/XX/XXXX to XX/XX/XXXX My credit bad credit utilization has cause harm to my attempt to consolidate other debt and ruined my chances with obtaining a mortgage loan.
I had ( meaning it should have been closed ) an  account with Wells Fargo because my mortgage was sold to them in XXXX, I am aware that this is a current practice. I did not go to Wells Fargo and ask them to open this account - they happily took over the mortgage and there were no issues. No issues when I sold the house and the balance of the account was paid off sometime in XXXX of XXXX. The issue is that they kept my mortgage account open. It is open still today XXXX/XXXX/XXXX - I just spoke with them. 
The company that I work for now has their XXXX through Wells Fargo. Wells Fargo will not let me view my XXXX account ( that contains my XXXX money from work ) because my old mortgage account is still open. One account should not have anything to do with an old account. 
This is what Wells Fargo is now infamous for - opening and/or creating or not closing existing accounts once their use is long over. 
I have been all the way up to the Ethics line with  them.
On XX/XX/2019 I disputed the accounts on my report telling them that it has been determined that I was suffering from XXXX XXXX and was not legally competent to contract for debt and they sent me an update on XX/XX/2019 stating that the account is staying the same because it was proven that the account was mine. I never said it wasn't so I feel my dispute is not being read or properly disputed with the information I am giving but being disputed with reasons that I did not give.
I have had several small personal loans by an agency Springleaf which was held by a company in XXXX AL ... I had one renewed and I noticed that everytime I made a payment nothing was being deducted from principal. So when I investigated the previous loans they were the same. So I believe I had been trapped in a predator loan which would never have been repaid back. I am a XXXX and not been well and recovering from a bad case of XXXX. During this time period I suspended payments and I started get calls from several different phone numbers demanding payment in full and threatening jailtime and other very undignified calls. A couple months ago I received a letter stating the company had been sold out and a new loan had been reissued from a Springleaf company at XXXX XXXX XXXX IN XXXX. I keep getting many threatening phone calls all hours of the day and night. Something is seriously wrong with this account.
I have been denied all HAMP modifications, MHA and streamline modifications. The only offer was for a prepayment plan which I can not afford. This is my primary residence and family home, I have two other loans with different banks and have been approved for modifications. There should be no reason I can not be afforded the opportunity to keep my home with a reasonable payment plan. I 'm very confused with all the different correspondence received and not received, on XX/XX/2017 received repayment plan then on XX/XX/2017 received mortgage modification reminder with a payment amount I can afford not sure what this company is telling me. Their customer service representatives are very rude and condescending. Not sure what kind of mortgage I have.
my payment is due on the XXXX the late payment is XXXX, if I mail my payment in via check the company never receives it by the due date or the XXXX, then they charge me a late fee and I end up paying online so they charge the transaction fee. Any month I send the payment by mail they call on the XXXX saying they have n't received it forcing me to pay the late fee and transaction fee. 
Also now that I review the payments I do n't think the interest they charge me is legal it just seems like im paying triple.
I have tried to fix the accounts I have with Fox Collections. These medical bills where charged to the old insurance instead of the one I had at time of service. Also these balances where discharged through Chapter XXXX
I received a letter from a debt collection company dated XXXX XXXX, XXXX ( attached ) stating I owed their client {$160.00} before penalties. When I added the alleged amounts up, it only came to {$81.00} and I disputed everything in a letter dated XXXX XXXX, XXXX ( attached ) and requested information to prove the alleged debt. I received a response back from the debt collector dated XXXX XXXX, XXXX ( attached ) showing even more alleged debts and adding up to the original {$160.00}. They stated they would get me the information I requested. Yesterday ( XXXX/XXXX/XXXX ) I received a phone call from the debt collector. They stated, " If I want the detailed information, I would have to contact the original creditor myself. '' In other words, the debt collector does not have the detailed information and can not provide it to me. They 're only going on the word of the original creditor the alleged debt is owed.
I applied for a credit card with capital one, and received a denial not because of derogatory information, but because they could not reach me to resolve a reporting error to proceed with the application. Nobody ever attempted to contact me, and I wrote a letter on XX/XX/18 requesting to be contacted and have them complete the application to approve the credit, but have never received any correspondence back from them.
XX/XX/2016 the vehicle was repossess and sold at an later, the total amount on the vehicle was {$5500.00} at the time of the repossess. I had written the company and requested a copy of how much the vehicle was sold at. Also, request that the company updated with all three credited bureau, the company refuse to do sent me any information or update my information with all three credit bureau. In addition, I have disputed this account with XXXX, XXXX, and XXXX. No changes have been made with the credit bureau 's. In addition, the company sold me a car with a salvage title without my knowledge.
My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, US Department of Education, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and when I went to set up payment arrangements. They are charging me more than they stated they would charge me.
I had a bank account closed with Bank of America in XX/XX/XXXX. There was an overdraft fee of {$110.00} that I was not aware of, I never received any info what so ever on it. But I called today to see why I could not open an account at another bank, that is how I found out that I owed and it was paid today on XX/XX/XXXX. I would like to get this cleared from the XXXX so I can open another account.
I am a Rush card customer and on XXXX XXXX, 2015 My rush card was wiped clean of {$3000.00} since then I have contacted rush card representatives and XXXX XXXX and they can not tell me where my money has went, or when am going to get it back.
Collector called, provide information on the account without verification. Threatened to have law enforcement at my doorstep within 30 minutes if payment was not received. Accused us of being deadbeats for running up the credit and not paying it off. When asked to verify agencies information ( name, address, professional license number ) became more aggressive and disconnected the call. When I attempted to contact the agency for the details, I was transferred to another collector ( XXXX XXXX ) that the previous collector ( XXXX XXXX ) was no in charge of the account. I have tried to verify Professional License XXXX through various agencies and I have not been able to do so.
In XXXX 2013 I became the victim of identity theft. One of the accounts is from XXXX in XXXX, IL. I have successfully remove all fraudulent accounts and addresses from all credit reports by repeatedly providing a police report, signed affidavit and supporting documentation, including a history of events and fraudulent account disputes and resolutions. However, equifax has been notified several times of my identity theft and this specific fraudulent account. I did n't even receive confirmation of my first notice of fraud to equifax. It was only after my second fax of documentation that equifax acknowledged my dispute. It took several notices of fraudulent addresses for equifax to remove those, and they have now refused to remove this particular account from XXXX. XXXX, XXXX, XXXX XXXX XXXX, and several other fraud investigators have been very responsive and accurate. This problem is particular to Equifax.