WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2016 Walden Associate Management contacted me at my sister 's telephone number. Stating I needed to contact her due to breach of contract with client. When I called I was transferred to a XXXX who claimed to be a lawyer and began to insult me ; stating that I was stupid for saying he would be in violation of debt practices, if he continued to call me at third party numbers and refusing to cease and desist contacting me. Then the first week of XXXX Walden Associates Management called my sister 's number again and left a message to call XXXX. I did not call them back. 
In researching the phone number, I came across several posts indicating they had been contacted by the same people and that this is a scam to get people to pay them.
I tried accessing my experian credit report online to view it to see if the incorrect information reporting has been corrected. Report # XXXX. I received a message they were unable to honor my request to view my report. There is suppose to be unlimited online access to view your report but experian will not allow me to. I am submitting this complaint because I want to see what is reporting on my credit file. I am trying to obtain a mortgage and with all these errors on my report is affecting my score in a negative way.
My daughter is extremely ill and this business has been notified. They have been informed numerous times about this. They have disclosed her personal information, called her cell phone numerous times ( as her family is in possession of it at this time ), stated she has a " claim '' etc. I have filed a complaint with the XXXX the Federal Trade Commission, and now your agency.
I called the depth collecting agency and they said that it was n't active because it was n't me after all.
XXXX services I had never apply for their service and I got a credit inquire from them on XX/XX/2018. I had call them at XXXX and they could not location an account with my social security number, so they advised me to dispute with consumer financial gov. 
As well two other inquiries from XXXX  on XX/XX/2018 they number is XXXX. Brclysbankde on XX/XX/2018 did an inquiry without my consent.
I have a mortgage with Flagstar Bank, I have had this loan with them for three years now and I have never been late on a payment. I use the system of payment that they recommend to their consumers online, and in XX/XX/XXXX their system had an error. I made my payment through their online system on XXXX/XXXX/2015 and the payment in their system showed me it went through. I had funds in my bank account there was no problem processing the payment on my end. But their system had an error and did n't process the payment correctly, or that is what I was told. Their system shows the payment as being returned on XX/XX/XXXX and that is when I got a phone call from them stating that I was now over XXXX days late for my mortgage payment. I asked how that could be, I had made the payment and I knew I had funds available for it. He told me of the error and took a immediate payment over the phone from me to correct it. He told me he could n't speak to me about the XXXX day late mark they put on my credit, that I would have to send in a fax and just wait for a response. I am very frustrated with this! We have an excellent credit history, and have never had a XXXX day late payment even on a credit card much less a mortgage!! Any help would be much appreciated, I feel like if I made my payment through their system and their system had an error, it should not reflect negatively on me for doing it their way.
XXXX Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re. : XXXX Dispute # XXXX Please note that this is in reference to account number XXXX pertaining to then phone XXXX for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. As you will see from the documents enclosed I was incarcerated on XXXX XXXX, XXXX, at approximately XXXX and was not released until XXXX XXXX, XXXX. I am therefore rightfully disputing the {$600.00} XXXX claims that I owe them from billing for their services since just prior to my incarceration date I had already paid my last bill. I was not free in society to have been able to utilize XXXX 's services beyond then and I should not have been continued to be billed after the first payment beyond XXXX XXXX, XXXX, failed to be paid by me due to being incarcerated. 
I also want this erroneous debt claimed to be owed removed by XXXX from my Credit Reports. Although the erred referenced had been previously taken out from my Credit Reports upon XXXX having been notified of their error soon as I was released, recently on XXXX XXXX, XXXX, for some reason it was placed back on there and fraudulently claimed that it was a debt as of XXXX XXXX, XXXX. Despite this debt claimed being over almost six years olds well. 
I previously wrote about this matter after being released and learning of the above but have yet to hear anything, nor was I called regarding the investigation of this Dispute although I was told that I would be before any decision would be had. 
In sum, your time and expedient help in the resolution of this matter will be greatly appreciated. 
Cordially, XXXX XXXX
I WOULD LIKE TO KNOW EXPERIAN KEEPS VERYING AN ITEM THAT IS CLEARLY REPORTING INCORRECT INFORMATION THIS BALANCE IS INCORRECT YET EXPERIAN IS ALLOWING THESE ITEMS TO CONTINUE TO REPORT THIS DEROGATORY INFORMATION ONTO MY CREDIT FILE WHICH IS A CLEAR VIOLATION OF THE FCRA. I HAVE REQUESTED THE DOCUMENTATION WHICH THEY HAVE USED TO VERIFY THIS ITEM YET THEY HAVE IGNORED MY RIGHTS TO REQUEST THAT INFORMATION, ANOTHER VIOLATION OF THE FCRA. NOW EXPERIAN HAS TOLD ME THAT THEY REFUSE TO REINVESTIGATE THIS ITEM HOWEVER EXPERIAN HAS FAILED TO PROVIDE ME WITH THE INFORMATION I HAVE REQUESTED WHICH I HAVE THE RIGHT TO DO ACCORDING TO THE FCRA. 
THESE ARE INCORRECT AND HAVE YET TO BE VERIFIED ACCORDING TO THE LAWS SET FORTH IN THE FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
My mortgage loan closed in  XXXX    XXXX  . In  XXXX , it was sold to  PHH M ortg age d/b/a "    XXXX  ''. I received a letter indicating my monthly payment of {$1800.00} due on the first of each month. I set up auto-pay to pay on the  XXXX  of each prior month, over a week before the due dat e. PHH Mortgag e mis-processed my payments and began charging me late fees - {$80.00} in  XXXX  and {$73.00} in  XXXX , despite having been current on my payments.     The first time I called PHH, the rep said I had to pay the fees and then retroactively submit a petition for refund. The second time I called, a supervisor refunded the fees.     I believe these fees are predatory and exhorbitant. Giving customers the run-around on fee refunds similarly takes advantage of consumers.
I recently pulled a copy of my credit report and noticed an unfamiliar company listed under collection so I disputed it with credit bureau and they send me a letter saying it was verified to be mine. I do n't have or recall even signing a contract with a company by the name listed.
I used my card to purchase a few pieces of clothing from a website XXXX for {$51.00}. Shortly after the purchase an email was sent stating items shipped. There was a broken link and no tracking number. When I went to the site it was shut down and I never received items. Citibank claims they got a response to my claim for the charges with 1 line of text just describing the order. No tracking information provided for proof of shipping. They are not refunding the money to me and dragging their feet to go after the scammers.
After completing rehabilitation, I talked to representative who set up payment plan. Because of my low income my payments were {$0.00} for a specified time. After the specified time elapsed, my loans would be forgiven. My application was accepted during this phone conversation. 

About a month later, I received a letter from Navient stating the above application was rejected because I did n't supply my income tax statement. I mailed Navient the necessary information. Although I supplied the necessary information Navient is sending " statements '' for approximately $ 400 monthly payments. 


Problem : I have not been able to resolve the issue with Navient because all Navient 's contact numbers are not in service. 
Problem : I ca n't resolve issue with XXXX because they claim to have no records since turning " everything '' over in 2012. 

After receiving another statement I spoke with XXXX who said the XXXX is handling my loan not Navient. When I called XXXX, I was told XXXX has not handled loans since 2012 and to call Navient at XXXX XXXX XXXX. This number was not in service. 

The numbers Navient has listed on its statement are not in service. Navients website also lists these nonworking numbers. 

Problem : I do n't know who is servicing my loans and how my loan documentation is being processed. The accuracy of my loan information and loan status are doubtful. 

Multibillion dollar companies like the ones involved should have working numbers and trustworthy reliable document processing. Every number I 've been calling is NOT IN SERVICE. Additionally, XXXX, XXXX and NAVIENT should know who has final authority to " service '' my loans. 

As a borrower I should not have to guess as to who is servicing my loan, my loan balance and if my loan payment status has been updated. 

The original plan should be in effect and I should not have to continue sending the same information repeatedly.
I received a call on XXXX/XXXX/XXXX from a private number advising that I had missed a court date & needed to call XXXX. I called and was advised by XXXX at XXXX that they were going to have a cop come to my work, have me arrested, & have my wages garnished. I said that he had to have a court judgement to garnish my wages. He said that no he did n't. He would get my employer to sign a paper showing what I made then they would file at the court house to have my wages garnished without any kind of court case. He requested a " payment '' of {$1200.00} to settle an account that was paid off to the original creditor in XXXX. I asked for a mailed copy showing what I owed and was told they do n't do that. Yet at the beginning of the call he advised that a " certified '' letter was sent. I checked with the local post office and they have n't had anything that required a signature for my address in XXXX. I did not make payment as I request proof the debt is owed. After I hung up I called my attorney 's office and was advised that this company was a scam. My attorney also advised that in my state, my wages can not be garnished for anything but an IRS Lien or defaulted student loans. Also I checked in my state and did not show where there was ever a civil suit for me. I also checked with the county, and they did not have a missed court date for me.
On XXXX/XXXX/XXXX, I opened a complaint with CFPB regarding three issues with our mortgage service provider, Select Portfolio Servicing ( XXXX ). XXXX closed the complaint with CFPB, even though they only resolved one of the three issues. The FIRST REMAINING ISSUE is my Unpaid Principal and Deferred Principal/Interest balances are still wrong in the XXXX computer. However the combined/Total balance is correct. As of XXXX/XXXX/XXXX, the correct balances are : Unpaid Principal ( {$120000.00} ), XXXX XXXXt ( {$10000.00} ), XXXX XXXX XXXX {$130000.00} XXXX. XXXX Ombudsman Dept. even wrote in their response on XXXX/XXXX/XXXX that the XXXX XXXX should be ( {$10000.00} ), but will not take action to correct it with their cashier department. If XXXX does not immediately fix the account balances, I will be charged more interest than is owed when I make my XXXX XXXX payment. 

The 2nd REMAINING ISSUE is in regards to thXXXX XXXX XXXX of {$10000.00}. Even after obtaining documentation from my former mortgage company, XXXX ( on XXXX/XXXX/XXXX ) detailing the Deferred Interest, XXXX Ombudsman wrote that my Deferred Interest was with my former mortgage company, and when the loan was sold to XXXX, the XXXX XXXX was re-categorized as XXXX XXXX. XXXX said that I had to wait until the Unpaid Principal was paid before I could pay on the re-categorized, XXXX XXXX. I sent an email to XXXX Ombudsman on XXXX/XXXX/XXXX, asking for confirmation regarding a letter from XXXX dated XXXX XXXX, XXXX stating that " Any monies paid towards the {$10000.00} XXXX XXXX will result in a XXXX interest statement. '' Now this letter came directly from XXXX, yet they sent me another letter dated XXXX/XXXX/XXXX saying they had to do further research and it would take another 30 days. XXXX has been researching my disputes since XXXX XXXX. Every time they send a response that is incomplete or incorrect, they immediately close the inquiry. Then when I contact them regarding their response, I have to open a new inquiry, and wait another 30 days. There is no continuity on a case. Once they send a letter to you, the case is immediately closed.
After being approved for a loan mod in 2016 and making several trial payments ( which are currently being held by the mortgage co. ), my docs were not signed due to my being unable to verify outstanding loan amounts and charges with back-up documentation provided by the service provider. After finally receiving requested pay-off information and corrections to my credit reporting by the agency, I again completed a new loan modification per instruction by Shellpoint Mtg Servicing. My application was denied ( after previously being approved ) with no formal reason provided or opportunity to address any disqualifying factors. The sale date is fast approaching and as of today, I do not have a written explanation to provide to legal council or tax advisor, which is an unfair practice leaving me at a terrible disadvantage in efforts to resolve the matter and keep my home.
I disputed a collection with XXXX regarding XXXX XXXX that they submitted to the credit agencies recorded on XX/XX/XXXX without my knowledge and without any validation of debt. The details state the original creditor as XXXX and the amount is for {$380.00}. I contacted XXXX and they do not have a record of this under my name, I have not had XXXX service since XXXX. If this debt was valid which I believe to be untrue, the SOL would have expired in my State of Michigan. I have never received any communication from this creditor, it simply appeared on my credit report which they should have validated the debt with me. I wrote to them and asked them to remove this from my credit reports immediately and provide proof of said services. Furthermore, this credit agency is not licensed in the State of Michigan to perform collections in this state, so I believe they are illegally trying to collect a debt that not only is invalid, but they are not entitled to do so according to the Michigan State Attorney general office, which they have requested I file a complaint pending the results of your findings. I have been checking my credit reports and this is still appearing, therefore they are ignoring my request for removal and request of validation. I reached out to them also by email this week, I have proof of delivery and again received no response. If this was on one of their own credit reports, they would react in a timelier matter.
U have questions concerning g such issues as insurance. I need a copy of any contract i signed with wells Fargo bank to answer my questions. Please send me a copy of any contract i signed with wells Fargo ban k ASAP
I opened a credit card with USAA with a promotional offer for 0 % introductory APR for the first 12 months. I noticed after a few months of having the card that I was being charged interest on the account. I called USAA on XXXX/XXXX/16 and spoke with a representative that confirmed that I should have had the promotional APR but it looks like it never took hold. The representative stated that she would reach out to the back office and then have them contact me back to get the matter resolved. I never received a call back so I called again on XXXX/XXXX/16 and spoke with another representative. The new representative informed me that I did not have a 0 % introductory APR and stated that would escalate the call for further review. I am receiving conflicting information regarding what my promotional offer was. I never received any documentation regarding the promotional offer and this material was also unavailable to me when I looked online. I deem this to be an unfair deceptive act and practice. I recall signing up for the 0 % introductory APR for 12 months and this was confirmed by a USAA representative and now I am being told something different. My credit reporting has been negatively affected for providing incorrect balance information due to the interest that has accumulated on the card. In addition, this has caused a financial burden by having to pay on interest that was not supposed to be accrued during the first 12 months.
I paid off my XXXX XXXX XXXX and cancelled my account in XXXX XXXX. In XXXX XXXX I received a letter from them referencing a credit refund check for {$220.00} sayting the check has been paid. Beginning in XXXX and every month since I have received a statement from XXXX saying that I owe increasing amounts of money ( apparently they are adding fees ). I contacted them but was referred to XXXX XXXX in XXXX, Arizona. At first someone there said they would get back to me. They ordered all of my charges for a year. No where did it appear theyre were unpaid charges ( this came in XXXX very heavy packages ) Then in XXXX I spoke to someone name XXXX who said he was filing an inquiry as well. ( I have his details if you need them ). Then in XXXX I received another statement from XXXX XXXX saying I owe {$370.00} but that nothing is due, and a note saying that there is a billing inquiry in process. The next day I received a check from XXXX XXXX for {$370.00} with a memo saying crdit balance refund. So naturally I thought there had been a mistake and they actually owed me the money. Now today I received a statement from XXXX XXXX saying I owe them {$740.00}. I called XXXX at XXXX XXXX. They can not help me because the " inquiry is still in process ''. XXXX XXXX will not talk to me because they say my account is in " Collections ''. What do I do now. Please help.
On XX/XX/XXXX I faxed a cease and desist letter to Diversified Consultants @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against Diversified Consultants. I requested that Diversified Consultant send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from Diversified Consultants and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.
XX/XX/XXXX, I received medical services from XXXX XXXX. On XX/XX/XXXX, I paid the debt via my XXXX credit card ( see endoscopic XXXX ). 

On or around XX/XX/XXXX I was contacted from the billing office stating that they had not received payment ( although it was made via credit card on XX/XX/XXXX ). 

Since that time I have contact my credit card company ( XXXX ) and supplied XXXX XXXX with copies of the relevant statements, including authorization numbers, claim number, etc. to no avail. 

On or about XX/XX/XXXX, the bill was turned over to Fox Collections. I have spoken with XXXX Fox representatives and supplied them with the relevant information and they have chosen to contact TransUnion and issue a non payment derogatory remark on my credit report. 

Fox collections contends that the provider was not paid because there is a 'denied amount ' indication on MY XXXX statement ( XXXX XXXX ), when in fact this denial was NOT denial of the charge to the provider, but a denial of my XXXX claim which I was required to satisfy myself with XXXX. In fact, if this was a denial to the provider, they would be able to provide some documentation they were not paid or that the transaction was rejected, but the proof has never been provided, yet I have continued to provide the full transaction detail ( XXXX ) as proof the provider was paid on XX/XX/XXXX. 

As proof of payment, I have provided : The " endoscopic anesthesia.txt '' document outlining all the transaction details including the EXACT date, time and authorization number of the payment ( provided by payflex credit card company ). 

The " XXXX '' document which is MY copy of the original XXXX statement showing the XXXX transaction. 

The " Fox Collections.pdf '' document is a copy of the collections agency letter.
I was sent a promotion of a credit card, " prepared for '' me. I applied forthe " XXXX '' credit card, after which I wassent a letter that said I had too high of credit balances. Yes, I had XXXXcredit cards, XXXX with a balance of {$17000.00} and XXXX with a balance of {$18000.00} because those cards gave me an extended promotionalperiod with XXXX interest. I have XXXX times as much money in mysavings account as my credit card balances and I always pay mycards entire balance off each month ( unless they give me a promoat zero % interest, in which case I always pay the minimum paymentas they require. Upon receipt of the refusal notice, I called all mycredit cards and either cancelled them or reduced the credit limit totheir minimum, and paid all of them off except for the one with abalance of {$18000.00}. The reason I am writing you, within a weekor two of my refusal, I receive the same promotion for the samecredit card, for which I applied again, thinking I have cleaned upmy unused credit cards and I have reduced the credit limits for thoseI kept, except for the XXXX mentioned. However, just today I receivedanother refusal letter, stating there were " too many inquiries on mycredit file and you have sufficient utilization of your credit ''. Yes, I hadtoo many inquiries I suspect because every time they change a creditlimit, even if I requested it be reduced, there was an inquiry. I suspectevery time I cancelled a card, it was recorded on my credit file. Now, being given a reason that " you have sufficient utilization of your credit '' means what - darned if I know. Yes, if they give me 0 % interest, I amgoing to utilize that credit as long as they let me! The real irony is thatmy husband and I have over XXXX XXXX in assets and over XXXX XXXX inliquid assets which we can use to pay off that {$18000.00} as soon as the0 % promotional period ends. We were able to save those assets bybeing " cheap '', such as using 0 % promotional offers. Granted, Bank ofAmerica does n't make as much money off of me as those that run abalance and pay what I think is excessive credit card interest. 
However, do n't send me repeated promotions once they haveturned me down. Also, I do n't think it is right to refuse an applicantonce they determine that I do n't pay credit card companies or banksthat offer them interest. If they are going to send me letter after letterafter letter telling me why I should apply for a credit card, but onlyapprove me if they think I will run up a balance, get in over my headand make them more money, that just is n't right!! Yes, I know thecredit reporting companies are not perfect, but the credit report andsystem is tilted towards banks so they can charge interest and makemoney. I paid off my mortgage as quickly as possible and flat out don'tpay interest. If they are going to penalize me because I have $ XXXXXXXXon a credit card that offered me that 0 % promotion when I have XXXXthat in savings that just is n't right, even if they do n't make as muchmoney off of me as they think they should.