WillisBack/dataset-financial-user-claim huggingface dataset:
I owe a debt to XXXX XXXX XXXX in the amount of {$3300.00}. I was contacted in writing by XXXX XXXX XXXX in XX/XX/XXXX in an attempt to collect this debt on behalf of Rise. I wrote a letter dated XX/XX/XXXX explaining that I had an open Chapter XXXX case that I was converting to a Chapter XXXX but was willing to make a settlement for 20 % of the amount owed. I mailed the letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, KS XXXX. I never received a response from this company agreeing to the settlement or stating that payment was due in full. On XX/XX/XXXX at XXXX XXXX I received a call at my place of employment from XXXX XXXX with Rise at XXXX and XXXX. When I first answered the call she did not tell me what the call was in reference to she only stated that she spoke to me back in XX/XX/XXXX { which is a lie } XX/XX/XXXX was the first time I spoke to this woman. and asked if I had a pen and some paper. I asked her was this in reference to a patient and she said no this is regarding your debt with Rise. I Said to her do not call me on my job but contact me in writing. She started screaming in the phone WE DID WRITE YOU, PAY YOUR BILLS, PAY YOUR BILLS WHILE YOU STILL HAVE A JOB, ARE YOU GOING TO PAY YOUR BILLS? ARE YOU GOING TO PAY THIS {$3300.00} THAT YOU OWE? She was screaming so loud and she would not let me speak, finally she stopped and I asked her for her name again and she screamed MY NAME IS PAY YOUR BILLS. I calmly stated I have your name XXXX XXXX and hung up the phone. I have have struggled with medical illnesses from XXXX { twice }, XXXX, XXXX, XXXX and and car repairs since XX/XX/XXXX and offered to pay what I was able to pay If they plan to sue me that is fine but I do not appreciate being talked to with such disrespect and rudeness.I would appreciate if they not contact me again about this debt.
I submitted a letter to XXXX regarding this school claiming I owed money on a balance. I received student loans for the semester a class was dropped before the drop deadline and the school added a balance. Per the school 's own policies and procedures this bill is invalid. I stated this to the school, XXXX, and the collection agency. They refuse to validate the debt I requested this on numerous occasions via email and through mail never responded. According to the law if a company refuses to validate a debt the debt is invalid and has to be removed from your credit report. I stated this to Transunion in my complaint they did nothing to fix the error.
XXXX   XXXX   XXXX  illegally raised my ren t (  California require s 30-days notice for any rent increase. I recieved 0-days notice ) I e mailed them and they agreed not to charge me the rent increase so long as I moved within 30 days. At the end of the month they sent the increase in rent to collections instead.      XXXX
just last month I received a disturbing letter from clearspring stating I owed XXXX on my loan for past escrow balance and that my new monthly payment would rise XXXX dollars more this is not a new tactic I, ve just settled with XXXX XXXX XXXX and my new amount states XXXX all of the escrow has been figured in to this im up to date on all payments till XXXX but my account does not reflect this because there holding it just today XXXX refused to accept my payment of XXXX stating it, s not what the account calling for after explaining that I don, t owe anything on escrow as a matter of fact XXXX sent me another breakdown that stated that I owe only XXXX I, ve requested a QWR and no response as of yet now I, ve contacted my attorney who handled the previous case which has similar tactics I want a complete detailed breakdown and a stop to harassing calls constantly and they need to update payments quicker because XXXX person says they see it and the other has no clue this is XXXX XXXX XXXX tactics they are I believe XXXX and the same Sad I thought I was done with protecting my Home from this type of mishandling my loan is a fixed loan which all of the escrow was figured in too since I, m up to date it can, t be short all taxes and insurance are the same I, ve checked
There are XXXX student loan accounts for my Daughter that i was a co-signer on. XXXX of these account were in collection. The agency that serviced these accounts was AES and they had written off both accounts in XXXX XXXX. Fast Forward on XXXX/XXXX/XXXX XXXX ( XXXX XXXX ) was settled in full thru XXXX XXXX. The XXXX loan on XXXX/XXXX/XXXX AES/NCT was settled in full thru XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX.who contracted by Nation Collegiate Student Trust XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. AES claims they have nothing to do with these accounts since they wrote them off XX/XX/XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. AES has done another wonderful thing and that is they have XXXX account number for both of those accounts, which is the account number for the XXXX loan, but the NCT loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent AES letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. XXXX even has gone as far as on the AES/Charter ( citizens ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular XXXX ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to AES they absolutely refuse to report these accounts as settled in full. AES says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the AES/NCT. As i said AES did a wonderful thing by listing both accounts under XXXX account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and AES and the credit agencies refuse to correct this. Your our last resort. thank you
They have called my number asking for someone who does not live here. Both my husband and myself have told them that this person is not at this number and they have said they will take us off their call list, but the calls continue.
On XXXX XXXX, 2017 I tried to withdraw money out my PayPal account, to my surprise the account was then limited. The last transaction I sold was on XXXX XXXX, 2017. PayPal operating as a money transmitter in the state of Georgia is not allowed to hold peoples fund for 2+ months. I have {$260.00} being held and I 'm not receiving any interest. I contact PayPal on XXXX XXXX, 2017 at XXXX and spoke with XXXX ( manager id # XXXX ), she told me they wanted to hold my money for 180 days. I would like my money released so I can close my account and be on my way.
I opened a Citibank XXXX XXXX advantage card on or about XX/XX/XXXX with a credit limit of XXXX. After the card was issued, I was notified by mail to verify my social security card. At the time I made copy of the social security card and mailed it to Citibank. On XX/XX/XXXX I called to request an update on the credit card. On the call I was notified that I did not send the second page of the social security card request form, of which no second page existed. I called again on XX/XX/XXXX at this call I was asked to provide my checking account information to confirm my identity, I refused to provide my banking information. I was told that I would be receiving a another letter requesting some other information to verify my identity. At this point I am frustrated with Citibank. There has been a hold on the card preventing me from using the card since opening the account. I am requesting CFPB to request Citibank for the reason for this delay in releasing the hold place on this account.
I have recently noticed that a reporting agency has been reporting a debt to the  XXXX  credit bureaus that is not mine. When I contacted the company, they can not tell me how this happened nor do they see anything related to my name on this account however we share a social security number which is impossible. The original account was opened  in 1991 at w hich time was only  XXXX   years old. Th is person is not a family member or a friend of my family. The only commonality between us is that she lived in the apartment I currently reside in.
THIS IS MY SECOND COMPLAINT ABOUT THIS COMPNAY BECAUSE THEY LIED THE FIRST TIME ABOUT SENDING ME INFORATION ABOUT A DEBT THAT THEY HAVE LISTED ONMY CREDIT REPORT. AT THIS TIME I STILL HAE NOT RECEIVED ANY INFORMATION FROM THIS COMPANY AT ALL ABOUT THE DEBT THAT THEY HAVE LISTED ON MY CREDIT REPORT. ALL I HAE EVER RECEIVED IS ONE PHONE CALL AND I HAVE CONTACTED THEM SEVERAL TIMES ASKING THEM TO VALIDATE THER DEBT. APPARENTLY IT IS TIME FOR ME TO SEEK LEGAL COUNSEL BECAUSE THIS COMPANY IS CLEARLY A FRAUD AND LIES A LOT. I HAVE REPORTED THEM TO MY STATE ATTORNEY GENERALS OFFICE AND THIS IS MY SECOND COMPLAINT TO CFPB. YET THIS COMPANY CONTINUES TO EPORT FALSE INFORMATION TO CREDIT BUREAUS AND HAS NOT SENT ME ONE PIECE OF INFORMATION NOT EVEN THE ORIGNAL 609 LETTER. I HAVE SENT THEM MAIL AND THEY HAVE IGNORED IT. THANK GOD I HAVE A PAPER TRAIL FOR  LEGAL PURPOSES. THIS COMPANY SERIOUSLY NEEDS TO BE INVESTIGATED.
Requested mortgage assistance options in XXXX 2015. I am in XXXX Bankruptcy. My Bankruptcy attorney received a letter on XXXX requesting all the information I had previously provided. I contacted the lender, Chase, on XXXX occasions by fax and email the same day I received the letter from my attorney. I received XXXX letters from Chase with XXXX subsequent date commitments to respond that were pushed out each letter. The last date has come and gone, so I called and emailed the Chase representative and have still not received a response. I am 19 months behind on my mortgage and not living in the house, nor can I pay the mortgage. I am willing to relinquish the home, conduct a short sale, or complete a foreclosure. I need the house disposed from my assets before the XXXX is complete.
After reviewing my credit files, on XX/XX/2017 I wrote to XXXX XXXX a collection company reporting account number XXXX and disputed the account reported on my credit files. I explained to the company that this account was unknown to me and I required full validation of this account. I believe that my personal information was used to obtain accounts with out my consent and it is for this reason I need to know the full details of how this account was opened by XXXX XXXX ( please see the attached copy of the letter sent ) and received no response. 

I then wrote to the credit bureaus and see why the account is still reporting inaccurate information about me and received no response. 

I request the assistance of the CFPB in the communication of my dispute.
to me in XXXX I made a verbal commitment to a XXXX XXXXl, I ended up sighing for it. When that was happening, I was going through a case, that could possibly lead to some jail time.. which it did end up leading to. I went to school for about XXXX week in a half before i had to go through custody. When I got out of jail, I tried to return to the school, the former lady that talked to me and got me to sign up etc., did n't accept me. XXXX years later, I find out they sent me to collections. My credit is perfect right now because I cleaned it, but I just found out I have a adjustment.. That adjustment effects my life on trying to grow with my family because I am a mother of XXXX kids now and I am trying to become a home owner but I ca n't, and I can figure out how and where to solve this.. and I 'm truly seeking for any help you can do for me. 
Thank you for your time
In late XXXX I lost a job. As a consequence I had problems paying bills. 

One of the bills was XXXX XXXX. The account was turned over to XXXX XXXX XXXX in XXXX, NY. 

Subsequently I contacted them to see if there was a way to settle the account. 

They told me it had been given to a law office and gave me the number. 

I called a number of times ( XXXX ) and left voice mail but never got a call back. 

I 've called XXXX and never been able to reach anyone to talk to about the account.
I called XXXX again today and they claim that CFPB never sent them any information regarding my account. However, I have included documents.
I 've been trying to make my payment with Chase Auto finance on my 2015 XXXX XXXX. I got a new bank account with XXXX. I am trying to pay with my checking account by phone. I have been trying the last few calls. Yesterday I was told all late fees would be waived and I would owe my normal monthly payment amount. I tried to setup the payment yesterday with both and respresentative by phone, then again calling using the phone automated system. I can not, we can not get a payment made by check to go through? I do not want my car to be taken, I am trying to setup a payment, have been trying. I am on phone now with XXXX that called my cell of : XXXX. We have been speaking for over a half an hour, with supervisor involvement. I want all late fees waived and to be able to setup my car payment using my checking account. How can I do this? Repeated mistakes made by another lending institution that is causing me fees and hardache. XXXX Bless America, it feels like sobotage on all fronts. Please advise how I can setup a payment by check using phone, as I no loner use credit cards.
I have been out of school and paying down my debt for a couple of years. I decided to switch how my payments were applied and paid off a vehicle that was very close to being paid off. 

On XX/XX/XXXX I looked at my student loans, and because of what my XXXX XXXX XXXX XXXX  billing statement said at the time I decided to adjust what I was paying. My statement said that I was paid ahead by {$4300.00} and my next required payment was not due for 14 months. 

So I changed my payments, while continuing to pay {$100.00} per month to continue my paid ahead status. When I was completed paying off my vehicle, on XX/XX/XXXX my balance had not changed so I didn't think anything of it. My statement said that I was still paid ahead by nearly {$600.00} and I didn't have to make a payment until XX/XX/XXXX. 

So I started back up making payment well above my required amount to further reduce this debt. But after a few months of making these payments, not a single dollar was reducing the debt. They were applying to accrued interest and nothing off the principle. But 4 month later on my XX/XX/XXXX billing statement ( while they were not applying any to principle ) I was paid ahead at {$1000.00} and didn't owe a payment until XX/XX/XXXX. 

Not only did they not disclose the payment were being charged to accrued interest, they did not give me updated statement balances, and they held my money that I had paid and didn't apply it correctly. 

This company is acting fraudulently and in bad faith to not only me but I would venture to guess Thousands of consumers who are using them for their student loans. If they are telling me I am paid ahead, that money should have been used to cover any accrued interest, and or been applied to straight principle. If they are saying I do not owe a payment, how is it that I can still be charged interest? 

I have reached out to Great Lakes and was treated very rudely by both the customer service agent as well as her supervisor. I submitted a XXXX XXXX XXXX complaint and got a canned response, not even answering my questions or concerns. 

I demand action be taken to fix this issue because the American consumers are being gutted by this company who is not handling payments in the correct way and not being truthful in the amounts of debt owed. They " hide '' the true balance which gives consumers a false narrative of their account. This is extreme bad faith and needs to be corrected. 

I would like my account reviewed and any fees credited back to my debt. I have recently gotten so sick of dealing with this company I am refinancing with another company to get away from these unfair and deceptive practices.
My debt is currently being managed by a credit counseling agency - XXXX XXXX XXXX. My credit card accounts were all negotiated and new payment terms were agreed upon with all of my creditors. XXXX XXXX  Credit has continuously accepted payment and has agreed to new payment terms, yet has marked payments late each month for the past year. Each time I attempt to reach out to XXXX XXXX via telephone, I am told that they have no record of my calling, of my credit counseling program, or of the new payment terms. I have exhausted all efforts of attempting to resolve this matter myself and would like for all late payments to be removed from my credit report immediately.
XXXX XXXX XXXX and XXXX XXXX did not at anytime send me an invoice, but has instead reported on credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX, VA XXXX Phone : XXXX Both of the incidents involved after care/ XXXX   XXXX. I lost my employment and had 0 insurance at the time and due to diagnosis of XXXX follow up care is mandatory. 

This coincides with present complaint ( XXXX-XXXX ) I filed against XXXX regarding their not honoring XXXX XXXX. In that case XXXX waited 2 years for me to return to work and then immediately filed a judgement against me. To date I have not received any information regarding that complaint nor have I been refunded {$9300.00} XXXX XXXX XXXX states since XXXX went back and disallowed the XXXX XXXX 2 years after the service then there policies state they will not honoring the XXXX XXXX either and given the date of service ( XX/XX/2016 ) their policy is to place for immediate collection and report on credit bureaus. 


The practice of waiting for 2-3 years and not honoring their own XXXX XXXX policies and randomly billing years after the fact is very underhanded.
On XX/XX/2018 my wife deposited {$1500.00} into a Bank of America ATM into my checking account. We used a drive thru ATM which was loacated outside the BofA branch on the corner of XXXX and XXXX in XXXX, TX. The ATM only credited me for {$500.00}, leaving me short {$1000.00}. I escalated this immediately to bank of America claims department and didn't think much of it as I was sure they would find the extra funds in the atm and return my money to me. This was not the case. The claims department sent me a note on XX/XX/2018 stating they could not find the {$1000.00} and bank of America is now unwilling to give me my money back. I have since escalated this twice to no avail and I truly feel robbed. I have made multiple ATM deposits and have never experienced this kind of ridiculous service. I'm appalled that BofA won't continue to research this and very frustrated that I'm on the brink of losing {$1000.00} of my hard earned money. The image that I have attached is the receipt of what was credited to me as well as the ATM id of the machine that stole my money.
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OK XXXX PLEASE UPDATE MY CURENT ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX
On XXXX XXXX, XXXX I was served with a civil warrant with a court date of XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX ( Original Creditor is : Tribute ). After several failed attempts to contact XXXX XXXX XXXX XXXX by telephone, on XXXX XXXX, XXXX I filed a complaint with the XXXX trying to collect information on the account before I had to appear in court. On the night of XXXX XXXX, XXXX they replied to the complaint where I did n't receive access to any documents from them to verify the account until XXXX XXXX, XXXX AFTER my court appearance. Therefore, not only did XXXX XXXX XXXX XXXX never provided me with any information regarding the account before they filed the suit against me but they also did n't give me adequate time to verify the account information before the account was turned over to the attorney 's office. I also believe that XXXX XXXX XXXX XXXX is reporting false and inaccurate information on my credit report. The account number they show on my credit report does not match the account number they filed the suit against me on but the original creditor 's balance and dates match my credit reports prior to XXXX/XXXX/XXXX. I do n't have my credit report for XXXX & XXXX that date could actually be an earlier date. They are reporting a opening date of XXXX and the original date the account was open was XXXX XXXX. They are also reporting from XXXX XXXX XXXX XXXX a monthly payment of {$33.00} that I have n't paid. The last payment I made was on XXXX/XXXX/XXXX of {$33.00} which is reflected on the Statement of Account Activity that they provided to me after my court date. Additionally the balance on the suit filed is : {$940.00} which reflects the balance on Tribute statement dated XXXX/XXXX/XXXX and continued at that balance until XXXX XXXX at which time XXXX XXXX XXXX XXXX increased the balance to {$1100.00} which was after they turned the account over to the attorney to have the suit was filed against me in XXXX XXXX.