WillisBack/dataset-financial-user-claim huggingface dataset:
I never contacted, contracted, hired or caused XXXX XXXX XXXX to do anything for me that I am obligated in any way to pay them for. 
They have no agreement or any other legal claim for payment from me. I owe them nothing, I don't even know who they are. 
I have never been contacted by them prior to them causing Eastern Accounts to place a collection item on my record with the CRA 's. 
Just because XXXX XXXX verifies the amount, does not in any way prove that I owe them anything. I have no knowledge of why they think I do. 
It's very simple to claim money. It is very difficult to prove you are owed, without any type of contract or other document, signed where I agree to pay or even have caused to be paid. 
No company should do work or try to charge for work without some document stating that the person the are trying to collect from has knowledge of and agrees to the charges and intends to pay them for said services. 
Provide written proof I hired a service from you and I'll pay it. Otherwise, I will not.
I am using the app   XXXX   XXXX   which is suppose to connect to my bank. It connected when I first started but it wo n't show the updated amount in my bank account now. I made {$95.00} on the app   XXXX   XXXX   and was allowed to cash out but it is not showing the correct amount before the {$95.00}. I use PNC bank which is usually pretty reliable not sure if its an issue on their end or   XXXX   XXXX  .
XXXX, Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
I am having a difficulty in having a bankruptcy removed from my Experian Credit Bureau Credit Report. 
They are indicating that the information on the report has been Verified. On the report it indicates that the report was furnished by the District Court. 
None of this information is accurate because the Court has indicated to me through a letter that they do not furnish information to any Credit Bureaus. 
What I know is that the credit bureau gets its information from a third party, XXXX which sells the information to them. XXXX being a " for profit '' company. 
Therefore, the information which Experian is reporting is not accurate as well as false information. This is a clear violation of the Fair Credit Reporting Act. 
I have sent multiple letters, on XX/XX/XXXX and on XX/XX/XXXX The company continues to maintain their position that the report has been Verified.
I sent a letter challenging inaccurate information to all 3 Credit Bureaus including the creditor listed. The challenge is on 2 XXXX XXXX accounts listed on my credit report that are both, " Charged Off ''. I've sent several challenges over the last 36 months regarding the balance being inaccurate and verification method of the dispute the last being XX/XX/XXXX. The first XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$1000.00}, High Balance of {$1000.00}, Charge off amount of {$1000.00}, and past due balance of {$1000.00}. The second XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$980.00}, Charge off amount of {$980.00}, high balance of {$980.00} and past due balance of {$980.00}. I've received notices back from all 3 bureaus XXXX, Trans Union, and XXXX stating the accounts have been verified and they remain on my credit report. I've also sent several challenges to XXXX XXXX and they've responded with the they're not are what I'm challenging and to contact the Credit Bureaus but the bureaus tell me to contact XXXX XXXX for any discrepancies. Both accounts were updated by all 3 Bureaus XX/XX/XXXX with the same errors and no method of verification.
Due to the recent breach of the databases at Equifax, I have been notified that my SSN, credit report, and personal information may have been compromised. I have put a 90 day credit alert on my report with XXXX and would like to file a claim here ; as in the case that any of my information is misused and my credit suffers it is on Equifax for their inability to guarantee the security of this information.
Hyundai Finance XXXX, TX accepted payments before the deadline of XXXX PST Sunday and charged me additional late fees. The first time this happen they told me they would not honor the correction anymore. However ; payments are being made before XXXX PST in California and should not be subject to any late fees under California
I requested large print in all correspondences, Chase has refused to provide anything in large print and instead sent things in braile. 
Each time I try to request large print I get hung up on. 
I have been making this request for several months since I lost online access.
I bought a car in  XXXX   2017 . They never told me my credit was going to be ran through  XXXX  different companies. There is also  XXXX  cards applied for that I did n't apply for.
My complaint is about this debt collector that is unknown to me and have a debt from a medical place that i live 1000 miles from and never went to! Just randomly showed up on my experian report under collections. I have written a Hippa violation letter to these people. ( XXXX XXXX-ACCT : XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Trying to collect {$780.00} for a debt that isn't mine.
I called trying to see why i owe so much because it hendering my life i am homeless with my kids and i asked can they send me original documents to prove a  XXXX  debt owed on to apartment they stated on one account of  XXXX  intrested occured and  XXXX  occurred on another never recieved notice of it being in collections found out by checking credit report then i asked to speak with a supervisor he was rude and proceeds to tell my i have a lawsuit againt me and i would be contacted i told them i havent recieved nothing via court got off the phone called back the next day requesting documents sayed they would send me nothing. Only if I request my debt in writing i then contacted BBB and filed a complaint they send me documents partial lease agreements and spreadsheet break down nothing showing I owe  XXXX  no original stated from property company i went to the court house to see if anything was filed against me nothing i called them back and ask them was the lawsuit still active a manger that has my case a woman stated that the lawsuit was dropped because i stop working never once did in tell them i wasnt working when i been had a gov job then i again told them that what was sent to me wasnt accurate and she stated but it in writing i asked her if payments where made can i get statements on my monthly payments she stated no they would n't knowledge nothing unless it 's paid in full and they dont and want give me a copy of what i send them
I advised this debt had been paid with the orginal utility company ( XXXX ) and I did not owe it and to stop calling me at my work cell phone number. 
They continued to try and collect and continued calls.
XXXX and Equifax both have incorrect items on report -- XXXX accounts paid off ; XXXX hard inquiries not agreed to.
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I owed a company XXXX dollars which the balance is now down to XXXX. I missed some payments and did not answer calls. When I did answer I explained I can only pay a certain amount a month. I was threatened by legal action called pathetic by the operator.
Called and left voice mail with myself, my family, and my friends stating that they were attorneys and they did n't want me to miss my court date. They said that they would be serving papers on a debt. They said that they were with the law offices of XXXX XXXX ( no such attorney registered in california ). They gave private information to my friends and family. They gave fake names when I asked for their name. They gave the address of XXXX XXXX XXXX, XXXX, California. XXXX earth shows that there is no such address. They identified as XXXX and XXXX ( XXXX XXXX and XXXX ). There is a fictitious business name filing in that name in XXXX XXXX XXXX.
After receiving letters from Midland Funding I decided to pull my credit report to realize that Midland Funding was and still is reporting inaccurate information to the credit bureaus. I 've been sending letters for the last XXXX tears trying to resolve this issue. I 've requested any documentation that they have on these alleged accounts ( statements, checks, payments ... ) All they could do is to provide me with the information of the original creditor. I 've contacted the alleged original creditor and they are not longer reporting these accounts on my credit report after my claim. They purged the accounts. 

However, Midland is having a hard time letting go. The alleged debt is over 5 years old, original creditor is not reporting, they keep reporting in a monthly basis even when I have disputed this information with them ( they are not supposed to as they are supposed to investigate and during that time they are not allowed to report ). All I get are generic letters about my issue. Only after a XXXX complaint I received a personalized letter giving me the information of the original creditor. There is not original creditor, they are not reporting these accounts. They declined any communication regarding these matter and avoided the main factor here which is the fact that those accounts do not belong to me. I have sent them an " Intent to sue '' letter and they have ignored me once again. This is my last step before I move forward with the lawsuit that is just ready to be filed. 

It 's just frustrating that they are pursuing a ghost debt in a very illegal way. This should had been easier and we all should avoid the expenses to come from a lawsuit and fix this. 

The only collections on my credit report are from Midland! It 's so ridiculous. Thanks to them I have been declined credit and had to present several additional evidence in the purchase of a house. 

Thanks
Me had my husband recently separated because of finance issues.We applied for a mod in XXXX which we could not afford because my husband lost his job So of coarse they put us in forcloser in XXXX of XXXX I filed chapter XXXX because I did not know what else to do. So in XXXX of XXXX my attorney file a XXXX mod.through the bankruptcy courts. In XXXX XXXX Carrington once again denied it because they claimed they did n't get paperwork in time which my attorney had proof they did. So a medatior had to step in through the court so we all had an conference call meeting. Now the agreement that Carrington needing was for me to do a quick deed within 2 days because my husband is no longer in the home. So that was done. So a couple of months after that Carrington needed proof that my husband is paying child support. Ok even though that was not what was needed at the time I submit that. Ok another couple of months go by which now is XXXX XXXX, my attorney called on XXXX XXXX, XXXX and said that Carrington yet again denied the mod. this time do to the child support not being court order. I have done everything they have asked me to do and yet they keep making up rules as they go. I thought the XXXX was to help people like me. This is the only mortgage company I know that are so unwilling to help. If you would look at the reviews for this company you clearly see everyone is having some issue with them. I am wanting to save my home for my XXXX children and I am not trying to get out of paying that 's why I applied for the XXXX but there is something not right with this Company. The people that answer for them do n't never give the same answers. When I asked them about the XXXX in XXXX I was told by a rep. there saying they do n't participate in this program and neither does my investor with they say is XXXX, but when I pulled the list of mortgage companies that do Carrington and XXXX do participate in the program. I am not understanding. 
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I filled out an application in the store offering the credit card ( Sam '' s Club ). They said it was under my husband 's name but was denied. This took place on XXXX XXXX XXXX. I then submitted my information and they said I was denied ( the clerk had called the bank and I spoke with them directly and they said they could not tell me the reason over the phone that I would get a letter in the mail explaining the reason. My husband then received a letter from the bank along with a credit card! They had reversed some numbers in his social security number. I called them again to inquire as to why I was denied and the assured me I would have a letter from them by XXXX XXXX XXXX.  Today is the XXXX and I got no letter in the mail today. I called again today and they said they could not tell me why I was denied and they have no idea if a letter was sent to me or not ; said they must have the wrong address or said it must have been lost in the mail. I assured them that the address was correct as they had sent a letter to my husband. I asked if they frequently discriminated against women as my husband received a letter and a credit card 3 weeks ago. I then asked for a supervisor and told her my concerns and asked for the name and address of the government agency to contact. They girl I spoke to before getting the supervisor told me I would have to look up the information on line which is a clear violation because they are supposed to provide it to me. I want to know why I was denied. I have excellent credit and have been waiting to get this issue resolved before applying for a reverse mortgage that my husband and I want to take out. I can not do this with this issue hanging over my head.
Due to the XXXX of my husband and his inability to work I requested to be placed in the hardship program. It was agreed that we would pay {$160.00} per month for four years at XXXX interest. Our statements continue to reveal 40 % interest being charged. After multiple phone calls to multiple departments and people it seems the system is stacked against the customer resolving the situation. Whoever takes the calls are never people authorized to make a decision. The hardship agreement was made in XX/XX/XXXX and to date we have received no phone calls, emails or written correspondence. We sent a certified letter to their XXXX office on XXXX XXXX. We checked the tracking on the letter and it revealed it was delivered on XXXX XXXX. So far no response. I called once again to their customer service department and they knew nothing. They were located outside of the US. The crux of the letter we sent informed them that we will no longer be making payments until this is resolved.
There were 5 XXXX student loan accounts that were removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. 
( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
I have been making regular monthly payments, as negotiated for with Portfolio Recovery Associates, on an account that went into collections. They have continually ( monthly for years ) been reporting me as a failed payment on my credit report/history despite the regular payments. I previously filed a dispute on my report and nothing has changed.
OnXX/XX/XXXX I went into Bank of America at XXXX XXXX XXXX, XXXX, XXXX and they usually have good service. I asked the teller where the ATM was and she called for the manager. A large, XXXX man walked over with extremely strong body language and said " outside. '' Since I was not in my vehicle, I stayed inside and he gave me very limited if any information at all. I rely on the limited information given to be a Bank of America customer. The XXXX, Bank manager chose to stand by new accounts. Even though there was no one waiting at the female new accounts rep 's desk. After ten minutes of waiting for a XXXX man ( who at first refused to speak XXXX ), I motioned for the Bank manager to come over and told him I have an upcoming XXXX, am XXXX, that the XXXX XXXX customer should have set up an appointment, and that this is clearly mismanagement on his part. The manager said " this is how it is. stand there and wait. '' He offered me a chair but I would have lost my place in line.He could have gone behind the counter to help out the teller who was alone. The other two women worked the drive thru window. I felt that the manager was very hard on me. In particular, because I am a woman who went in alone. In case, I close my accounts out again like I 've been doing since XXXX in XXXX, XXXX I do n't want to be hassled by the male, XXXX, manager who was a little too close for comfort and like I said, hard on me. I called XXXX XXXX, the advocate whom reached out to me months ago when I lived in XXXX. I do n't hear back from her. I do n't want to be given a hard time, forced to do things a particular way, or forced to know what the Bank employees are thinking.
We had a loan with Nationstar and refinanced this load with the same company. When we did the loan paperwork greenlights name showed up and we were told that it was owned by nationstar and payments etc would go to XXXX. In seeing a loan origination fee, I said is that so they can charge this loan origination fee, the closer laughed and said guess so. When the XXXX came it did not include the payment on XX/XX/XXXX. I have sent them proof of payment of all payments to date. Earlier this year they said my first payment was not due until XX/XX/XXXX and so that payment went to greenlight and they have nothing regarding this. I advised them that I had checked and greenlight acquisition happened before XX/XX/XXXX and further more this payment was a electronic payment directly into NationStar 's banking account and that no XXXX was ever received from greenlight. I have spent three years trying to straighten this out and they have done nothing to resolve this. I really need the government agency to step in as I know believe I am not the only person this has happened to. XXXX and XXXX, CO XXXX
they are wrongly seeking foreclosure judgement against me. the debt they are trying to collect was modified by our chapter XXXX bankruptcy plan. they were court ordered to modify the debt and are in contempt of court. they are trying to collect for fees and charges that they are forbidden from collecting by the provisions of our bankruptcy plan. I sent them several qualified written requests and proof of their errors but they will not correct my account. I provided their attorney with the modification, proof of all payments and court documents that prove we were not in default. The proof of claim that was submitted by XXXX Bank in our bankruptcy case has a different Note than the Note they 've presented in this case. They 're attempting to collect on the same debt with XXXX different Notes that they 've asserted to be the TRUE promissory Note. There 's only XXXX legal promissory Note. they have no case yet they continue to push through with their fraudulent documents. Furthermore, XXXX XXXX, an Ocwen representative signed an affidavit regarding the factual accuracy of our account despite Ocwen 's failure to do a Bankruptcy account reconciliation when we were granted a discharge. Ocwen did not do a bankruptcy account reconciliation until XXXX 2016, more than 2 years after they were legally required to.Their attorney, XXXX XXXX, submitted an affidavit declaring that he has " a continuing obligation to amend his affidavit in light of new discovered facts following its filing '' and certified the accuracy of the affidavits filed. However, he stated in the default hearing that he did n't read the modification agreement. The Agreement was attached as Exhibit A in my Answer. He also lied to the XXXX during the Summary Judgement Hearing that I missed due to a family emergency. He told the XXXX that he communicated with us but he never did, not once! he stated that they were willing to make loss mitigation or discovery efforts but they need participation from us. I gave him proof of everything, I have participated in every way possible! He lied several times to the XXXX because we were n't there to contradict him. they have misrepresented the amount of the debt, made false statements to collect on this debt, and seek to collect on a debt that their client has no legal right to. We were not in default. Ocwen 's unwillingness to correct my account as required by RESPA, the XXXX, and the FDCRA has subjected me to undue hardship and emotional distress!
collection was supposed to be removed from all XXXX credit reporting agencys upon payment but is still on XXXX
I sent XXXX collection agency a letter on XX/XX/XXXX requesting written proof and signatures of the XXXX medical bills they have listed on my XXXX credit reports. In XX/XX/XXXX I was receiving government assistance and XXXX due to the fact that I was not working. I should not have a medical collection of {$75.00} and {$570.00} because I had XXXX. I also need proof of going to the XXXX and also my signature verifying that this was actually me. If they can not verify these please remove off of all XXXX credit report.
XXXX and TransUnion are not investing nor providing the method of verification for the following item : XXXX XXXX XXXX IL XXXX / XXXX Additionally, how are XXXX and TransUnion able to verify what XXXX can not. What is the method of verification and who are they talking to? 

XXXX CLOSED Company still working STATUS Company response is in progress as of XXXX/XXXX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE *XXXX reviewed the complaint, its records and initiated a reinvestigation. *XXXX did not receive any additional communications from the consumer during the review of the complaint. *XXXX will mail the results of the reinvestigation within 30 days. 
Company responded STATUS Company responded on XXXX/XXXX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Equifax has reviewed your complaint and its records regarding your dispute. Please be advised the disputed Bankruptcy case number XXXX has been removed from your XXXX credit file. Written confirmation has been mailed to you. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your XXXX Credit Report, please visit us at XXXX to learn more.
Chase has illegally re-aged debts it is reporting on my credit report to add 2 years to the period of time it will remain on my credit report. It has reported the late payments as closer to the present so that the damage to my score is maximized. I disputed these items with the credit bureaus, with Chase, and through additional correspondence. There is no valid excuse for these entries to be incorrectly reported. I want the XXXX student loan entries deleted. Chase also reports a credit card. I have no confidence that this is reported correctly and would like this entry deleted as well. Please see the attached documents.