WillisBack/dataset-financial-user-claim huggingface dataset:
About XX/XX/2008, our tenants at our property at XXXX XXXX XXXX, XXXX, FL. XXXX continued to be late on their rent, as usual. As a result, we could no longer cover the mortgage payment to Wells Fargo. We called and requested to do a short sale on the property. I followed all instructions and supplied them with mountains of paperwork that they requested. In XXXX 2008 they delievered the Notice of Default to the tenants and told them they had XXXX days to move out, which they did without paying another rent payment. I coomunicated with Wells Fargo in attempting to sell the home and avoid foreclosure. I called and spoke with XXXX at Wells Fargo ( in the loss mitigation department ) on XXXX XXXX, 2008 reaffirming that we wanted to avoid a foreclosure, either by short sale or deed in lieu of foreclosure. She assured me they wanted me to complete the short sale and they did not want to foreclose. But I reminded her they had a court date of XXXX XXXX and I did n't want anything bad to happen on that date. She assured me it was not a sale date and they would postpone or cancel it because I was trying to do a short sale. She even sent me a letter on Wells Fargo letterhead detailing all of this information, that they wanted me to do a short sale and then she signed her name. Well, about two weeks later they foreclosed. What a bunch of liars. How are you supposed to work with a company that pulls this kind of stunt? We had a sizable down payment when we purchased this home just XXXX years earlier. And all of the money that we spent to update the home, all gone because they are liars. My first missed payment was XXXX XXXX they served my tenants with the Notice of Default in XXXX 2008 and then they foreclosed in XXXX of 2008. A total of XXXX months from start to finish. I wonder how much quicker they would have foreclosed on someone that was n't trying to work with them?
I have an escrow account and Rushmore loan services is the debt collector, since late XX/XX/XXXX. I have paid extra within XX/XX/XXXX and the new year on principle. I called XX/XX/XXXX to inquire why Rushmore had not received my monthly payment and why escrow was increasing. I was told that my home owners insurance was increased. I contacted my home owners insurance company ( XXXX ) XX/XX/XXXX and was told that I no longer have a home owners insurance with them due to failure to pay XXXX dollars in XX/XX/XXXX. I was told that they had notified me as well as my servicer that the amount was outstanding. ( I had contacted my insurance company to increase my insurance due to neighbor having dead tree leaning towards my property in XX/XX/XXXX. Neighbor cut tree down and I called the insurance company XXXX back in XX/XX/XXXX and they agreed to reduce policy to what is was before ). I spoke to a XXXX manager called XXXX and informed her that I was not notified of termination of homeowners insurance and that I would have paid the XXXX dollars had I known. I asked XXXX to reinstate my homeowners insurance that was terminated due to lack of payment of XXXX dollars. I was told I needed to do a new contract and this contract is XXXX dollars more a year than my old contract. 
My mortgage company appeared not to have been notified of termination of my home owners insurance or else they would have paid!? XXXX told me that Rushmore does not need to pay it is up to me to pay. I would like to get out of the escrow account and pay my own taxes and insurance or have a responsible debt collector who will not forget payments while increasing my escrow amount. I am a first time home owner who has been taken advantage of before and is in need of assistance. 
Thank you for your help.
XXXX company contacted me on be half of Pendrick Partner in regards to XXXX medical debts from XXXX i sent off request for VALIDATION made pursuant to 15 USC XX/XX/XXXXg Sec. 809 ( b ) of the FDCPA. I respectfully requested that there offices provide me with competent evidence that I have any legal obligation to pay and proof this debt was indeed rightfully min. Soon after on XX/XX/XXXX i received notice from XXXX / CURRENT CREDITOR, PENDRICK CAPITAL PARTNERS ; saying that they have investigated my dispute and at the time does not have sufficient information to fully respond so they discontinued collection effort on these XXXX accounts : conformation number XXXX TODAY IS XX/XX/XXXX THESE ACCOUNT ARE STILL ON MY CREDIT REPORTS AS COLLECTION NEGATIVELY REFLECTING. 
BUT PENDRICK CAPITAL PARTNERS HAS SOLD TO ANOTHER COMPANY THESE EXACT SAME DEBT NOW SOLD TO XXXX I HAVE REACHED OUT TO XXXX AND PCP REQUESTING THAT THEY PROVIDE OR DELETE THEY WERE ASKED TO KINDLY WHICH HAS NOT BEEN PROVIDED ITS BEEN 90 DAYS SINCE IVE ASKED VALIDATION made pursuant to 15 USC XX/XX/XXXXg Sec. 809 ( b ) of the FDCPA. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. 
THE COMPANY IS CLEARLY RESELLING DEBT THAT HAS BEEN CLOSED TO OTHER COMPANIES
Applied for American Express card for 0 % balance transfer. I was charged 3 % of the balance transferred. Upon approval I transferred of {$3900.00}. On XXXX of 2017. They have been charging me " finance interest '' for the past 3 months. I 've been calling each month they rectify it and then the next month it happens again.
I applied and was approved for a fidelity credit card. Promotion stated that if I spent {$1000.00} in three months, they would credit me {$100.00} into a fidelity account. I did spend more than {$1000.00} in three months. I called the credit card and company and was advised the credit card I applied for did not have the offer.
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The only reason I applied for this credit card was because of the offer. Now they do not want to pay up?
I have XXXX credit cards with Chase Bank. XXXX is a Chase Freedom, the other a Chase Sapphire. I have had auto-pay set up on both cards for the majority of time I have had the accounts, several years at this point. Recently my credit card was turned off, and when I logged into my accounts it showed that both were past due. Moreover, the automatic payments system I had set up had been turned off, triggering the late fees and the card shut down. I never received any notification from Chase that they had turned off my auto-payments. When I called them they told me they were n't sure, but that the auto payments may have been turned off because one of my payments bounced a few months ago ( I was merging bank accounts with my husband, which caused the gap ). However, I have since made payments using that same account multiple times since, it is a good account, and at the time they turned off my credit cards had more than enough in it to cover my minimum payments. I want to be sure that they do n't do this to other customers - I do n't think a bank should be able to turn off auto-payments and trigger undeserved late fees without notifying a customer. They returned the late fees when I complained, but I could have totally missed it if I had n't been going through my charges.
Bankruptcy they say verified thru court .... i received letter from court saying THEY DO NOT HAVE ANY INTERACTION WITH CREDIT BUREAUS .... i asked that their source and any information be released to me per my right by the FCRA they said courts which clearly DOES NOT INTERACT WITH THEM I ASK THIS BANKRUPTCY BE DELETED ... it is not mine
In XXXX XXXX, account with XXXX XXXX was placed in collections and transferred to National Credit Adjusters ( NCA ), per credit report, and open date reported XXXX XXXX, inaccurate. 

From XXXX XXXX, NCA contacted me and family received phone calls and my personal information was disclosed to family members. I received at least ten phone calls per day. I was threatened with communication tactics including numerous phone calls. I received phone calls and voice messages stating that a sheriff would serve me papers at home or work if debt was not paid, and I had one or two days to contact them before I was served. After the phone calls and threats, I contacted NCA. 

On XXXX XXXX, XXXX, I called NCA to get info about account. Was told account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX, and that they did not have my file anymore. 

XXXX XXXX, XXXX, I contacted XXXX and they stated that I owed a balance of {$640.00} balance, and if I paid {$320.00}, would receive a paid in full letter via mail, I paid the {$320.00} to XXXX. 

On XXXX XXXX, XXXX, sent an email to XXXX requesting a paid in full letter ( pifl ) and they provided me with a {$0.00}, in which they emailed me a letter ( see pifl letter ). 

XXXX XXXX, XXXX, I contacted NCA and representative stated I could send them the pif letter XXXX sent to me, and they provided me with an e-mail address. I emailed the pifl to NCA and received a response stating they could not accept letter, but need the correspondence directly from XXXX. 

After many calls to NCA, and them stating that they do n't have my file anymore but to contact XXXX, but NCA are reporting account. It is frustrating. For example, XXXX call to NCA, I spoke with a representative she stated I should 've paid debt in XXXX and the balance will not be changed overnight and I should 've paid debt a long time ago and they will continue to report {$640.00} on the XXXX and the XXXX of each month until they receive correspondence from XXXX. 

On XXXX XXXX, XXXX, I requested that XXXX send pif letter to NCA to update my {$0.00} balance. 

On XXXX XXXX, XXXX ; I was notified from credit bureaus that my balance with said account was {$320.00}. 

On XXXX XXXX, XXXX, I e-mailed NCA again to update accurate information with {$0.00}. 

NCA are still reporting that owe {$320.00}, last reported XXXX XXXX XXXX, XXXX ) and payment status is reported as a collection/charge-off, account status derogatory, no payments reported. They are still reporting the XXXX and XXXX of each month with inaccurate information. 

I have not had a pay day loan with XXXX XXXX since XXXX, never received verification of debt, but was scared of the threatening calls and being served papers by the sheriff office.
I have sent letters to Portfolio Recovery seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.
Equifax fraudulently illegally and intentionally withholding anticipation refund, fresh start to conspired against employment subsidies plans permanent protection plans on XXXX XXXX XXXX And XXXX XXXX XXXX causing Homelessness on XX/XX/XXXX form Homeowners Parcel permanent paid in full address XXXX XXXX XXXX XXXX , louisiana XXXX stolen by fraud and forced scams taking Internal revenue services public transportation subsidies programs tax payers and first time Homeowners Deeds that holds certain pieces or portion of Ground together with all of the buildings and improvements and all the rights, ways, privleges servitudes and Advantages in XXXX XXXX state of louisiana XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX bounded by XXXX XXXX , XXXX XXXX , XXXX XXXX and XXXX as shown on survey by XXXX XXXX XXXX dated XX/XX/XXXX return Homeowners 100 % Deed property address XXXX XXXX XXXX XXXX , louisiana XXXX back to rightful owners XXXX XXXX XXXX & XXXX XXXX XXXX immediately ASAP stamped forever Free from salvay under signed notary by Attorney XXXX XXXX XXXX until death by signed on XX/XX/XXXX foward to XXXX XXXX Government Building and convenience office and resolution matter resolved and restore back To rightful Homeowners XXXX XXXX XXXX And C/o XXXX XXXX XXXX immediately removing off property XXXX XXXX XXXX XXXX , louisiana XXXX forever XXXX XXXX XXXX and XXXX XXXX XXXX eviction notice served now by XXXX XXXX Sheriff 's and XXXX XXXX Constables and fraudulently fake fase Default desion against XXXX XXXX XXXX And XXXX XXXX XXXX rightful Homeowners of property address parcel # XXXX permanent Homestead exemption records of receipts and closing costs paid in full notorized by Title Insurance underwriter XXXX XXXX XXXX XXXX producer license # XXXX notary public Bar XXXX state ID number XXXX
On or around XX/XX/17 I was reviewing my credit report and I found several HIPPA Act violations. I am requesting a investagation according to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims I am allowed to review any and all documents related. I need to review the following documents from these companies 1.XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX Please notify these companies to cease and desistFRCA 604 ( A ) ( 3 ) all contact and communications with me immediately.
In XX/XX/XXXX, I requested a copy of my full credit report, that 's when I noticed that they were inquiries on my report that I had not applied for ever. Since this came to my attention I have requested by certified mail onXX/XX/XXXX, from XXXX XXXX XXXX to provide me with copies of any documentation associated with this account bearing my, signature, authorizing an inquiry. Again I sen another certified mail dated on XX/XX/XXXX attempting a final goodwill gesture to allow XXXX XXXX XXXX to contact their erroneous reporting, and they did not do so. I also sent a certified mail to Experian datedXX/XX/XXXX, and nothing has been done this stills continues to show on my credit report.
For the past 2 years I have tried to obtain a loan modification from SN Servicing. The single point of contact in charge of my file has done everything he can to stand in the way of allowing me to get this done. I am a self-employed caregiver and I do not have pay stubs so I have submitted a profit and loss statement and bank statements to support the profit and loss statements. My tax return did not support my income claim because of the number of write-offs I was claiming. This year I had my accountant reflect my complete income that I make on my tax return, without any write-offs and have submitted the file again with my bank statements and a letter detailing every deposit that was from my income in my bank account. In the past XXXX XXXX has accused me about lying about my income because he said the documents did not support the income. I take care of an old lady in her home, I am not a sophisticated business owner, and I must confess that I did not keep my books very well in the past. I would sometimes cash my pay check and pay some of my bills before depositing the full amount in the bank account but after being denied for this reason, I have kept detailed account of all my earnings and my accountant can vouch for this fact. However, XXXX XXXX advised me on the phone ( laughing and in an extremely sarcastic manner ) that SN Servicing would not even consider looking at my file again because of the denials in the past. People 's circumstances change, a ) I have paid off my car and no longer have that payment, b ) I deposit all my checks into my bank account to show my income, and c ) my XXXX lien has worked with me to lower that payment and make it more affordable. I would like to have XXXX XXXX removed as my single point of contact and have an impartial person put in his place to look at my file. At this point I think he has a personal vendetta against me and from the way he speaks on the phone to the third party handling my file, it seems like he would like to see me loose my home. I have worked very hard to purchase that home and I will not let that happen because of one mean spirited employee at a bank who thinks because of his position, he gets to call all the shots. I am attaching the recent package that was sent to SN Servicing for your information.
Security National Automotive Acceptance Company   XXXX   XXXX   XXXX ,  XXXX , Ohio  XXXX  ext  XXXX  On  XXXX    XXXX   I filed a deferral for my car payment due to the fact that I unexpectedly lost my job. Since then, I have file d 5 c redit disputes ( probably more ) because SNAAC has not reported my payments correctly to the credit bureaus. The  XXXX  payment shows up as a late payment and my payments after  XXXX   a'rent even  reporting. I have made all of my payments on time but because its not showing up on my credit reports correctly, my score drops tremendously.  SNAAC  has told me that its the Credit Bureaus fault and the Credit Bureau are telling me to contact SNAAC. I am being ran in a circle and my problem is n't getting fixed. I have been working diligently to fix my credit and this is very distressing. After i file the dispute, my account is made current but the following month, it reports incorrectly. My  credit score goes up to 630 and as soon as SNAAC reports it drops back down 560 and i have t o dispute again. For almost 5 months now, this has been going on.
This debt was paid in full to XXXX, XXXX, XXXX, XXXX XXXX XXXX on XXXX XXXX, 2016 ( see supporting documentation ), yet Portfolio Recovery Associates ( PRA ) continues to call my home phone and report the collection account as open with a balance of {$130.00} to credit bureaus. When contacted, PRA told me they could not discuss the debt with me because it was with an attorney. The attorney advised me to insist on talking to a manager. After several calls, I finally reached a manager who said she would confirm the information and correct the error. I called back to verify, the PRA representative rudely stated that she had no idea why I continued to call when both PRA accounts ( an older XXXX and the more recent XXXX ) showed a zero balance. I explained that I continue to receive calls from PRA and the account continues to be reported to all XXXX credit bureaus as open with a balance. She further informed me that they are under no obligation to report closed account to credit bureaus. I 'm at a loss for what to do next.
PennyMac, the mortgage company that services me refuses to report my payment history to the Credit Bureaus XXXX, XXXX etc.. 
my loan number is XXXX the address is XXXX XXXX my name is XXXX
This Debt was Charged of in XX/XX/XXXX with XXXX. In XX/XX/XXXX it went to Asset Acceptance LLC. They were sued by the FTC.One of the nation 's largest consumer debt buyers has agreed to pay a XXXX civil penalty to settle Federal Trade Commission charges that it made a range of misrepresentations when trying to collect old debts. In addition, the company, Asset Acceptance , LLC, has agreed to tell consumers whose debt may be too old to be legally enforceable that it will not sue to collect on that debt They still have on my credit report and increased the balance from the XXXX Charge off to XXXX.
I received a letter from IC System dated XXXX demanding payment of {$100.00} for a debt owed to a company called XXXX. The account number they assigned is XXXX and the IC XXXX number is XXXX. 

I have attempted to contact IC System by phone but the number provided in the letter goes to a vacant voicemail trunk and there is no other phone number provided. 

I was a stay-at-home mom when my children were small. They are adults now and I have not had children of daycare age for quite some time. Additionally, I have never had an affiliation with XXXX and do not owe money to them. This has not curbed IC System from attempting to collect on this " debt '' that I do not owe anyway. 

What further steps do I need to take to prevent this from hitting my credit report? I have a 800+ credit score and the last thing I need is some scam artist dragging that down. Any help you could provide is greatly appreciated.
Equifax have " XXXX , XXXX '' that done inquiry. I want to see the application signed by me which should be on file. I want Name of person and their phone number of person you talk to verify credit inquiry. If you not have poof, I want this inquiry deleted.
In XX/XX/2018 I disputed an account with all three credit bureaus XXXX, XXXX, XXXX, All three credit bureaus stated the account was verified and accurate. The account is XXXX XXXX # XXXX. well I contacted the original creditor and they stated the account was sold to XXXX XXXX. well I sent a certified letter to XXXX XXXX to the address listed on my credit report. the letter was sent on XX/XX/2018 they received the letter on XX/XX/2018. the new owner of the account had 30 days to respond to the debt validation letter. well today is XX/XX/2018 and XXXX XXXX has yet to respond to my debt validation letter they have violated my rights under the FCRA and under the FDCPA by not responding to the certified letter. I will be getting a attorney this company don't cease and desist this account effort and stop reporting the negative information to the 3 credit bureau or I will be filing a suit for the violation. XXXX XXXX had 30 days to respond to my debt validation letter and they refused and failed to respond to my letter within 30 days.. I have attached a copy of the letter and a copy of the certified letter.
I have tried to contact XXXX XXXX numerous amount of times to request documentation pertaining to the debts that are being reported on my credit reports. There at 2 collection accounts reporting the substantial amount ( s ) of {$1300.00} and {$1200.00}. As a consumer, it is my right to request thorough information affiliated with this debt. This has been going on for the past 6 months and I have yet to receive a debt verification letter via mail.
CAC sent a fax to my employer for verification of my employment after only attempting to contact me 1 time. There are no judgments on file against me in the court system as of XXXX XXXX, 2016 and the fax was sent XXXX XXXX, 2016.
XXXX XXXX account # XXXX This is inaccurate account information. I had a low limit credit card with them {$300.00}. I never borrowed {$950.00} on that card, and it shows a balance owing {$1200.00}. I never owed that much on the card. This is inaccurate all around!