WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have an outstanding balance owed to XXXX XXXX for the amount of {$2500.00}. The balance has since been forwarded to a collection agency who is reporting a negative report on my credit. I was enrolled in a repayment plan in XXXX ; however, I am now doing an overseas tour with the XXXX XXXX and have lost communication with the debtor. I want to repay the amount owed however I want to request to remove the negative report from my credit as I was not able to receive notifications of the collections. This issue is now causing a decline in my credit score and will impede me from continuing my education in the future.
I have 7 inquires on my Experian report, that i did not authorize. I have sent disputes to the companies and the credit Bureaus many of times, they still refuse to remove them. these inquires are not attached to any accounts.they are making it very hard to get credit. it is causing me to be decline everytime I apply. these are the inquiry Dates below. 

Capital XXXX- XX/XX/XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX
I am a victim of identity theft. I contacted the Federal Trade Commission andIi learned that the best way to recover is to file an identity theft affidavit and a police report. I did this well ovr 60 days ago. Transunion slowed around for over 60 days in violation of the FCRA laws. They did not remove the bankruptcies and they stated that they verified them. When in fact, I have documentation from the bankruptcy court stating that they did not verify this information. I sent the letters to Transunion and they lied like they never received the documents. When after a long time I finally got a supervisor on the phone, they admitted they had the documents. I filed a complaint with the consumer proctection bureau after a 70 day wait and they asked for 60 MORE days. Please help as they are clearly flagrantly violating the FCRA laws. Please help me to get this matter resolved. 
I
Hello, I have contacted XXXX several times to get these unknown credit inquires from my report because they are not accurate. I have been really nice to them explaining what happened and they were not willing to listen to me. I have explained to them that none of these companies have a credit application on file for me. My contact number is XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX Date Filed XX/XX/XXXX Type Department, variety, local, regional, and national chains Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
I took out a loan with Prestige Financial years ago for XXXX, as of today, I still owe {$8000.00} I have paid over {$20000.00}. I can not trade it in, nor is the value of the car worth what is owed. They have processed payments without my approval. When I confronted them, they said there is nothing they can do. I 'm done with the harassment from this company.
Three disputes were submitted to XXXX  and before they could even re-investigate the disputes that have been disputed before, they come back within an hour and said the information on these particular items are accurate and up to date. NO IT ISN'T!!! The two companies in particular, XXXX XXXX XXXX XXXX and a regular XXXX XXXX are lying on the credit report. When this company was contacted, they couldn't give me any information on these accounts but for some reason, they are giving false information to XXXX as well as XXXX and Transunion. This is pure fraud XXXX XXXX is committing and XXXX rushed to judgment and is deciding to believe the company instead of really digging into the information. According to an attorney that I spoke to, XXXX XXXX XXXX XXXX and the regular XXXX XXXX account should be removed once and for all. These three credit bureaus have until the end of XX/XX/2018 to get these particular items removed or I will have this particular attorney contact them.
In XX/XX/2018 I bought a new car on XXXX XXXX loan # XXXX to XXXX XXXX XXXX   ... I used my XXXX XXXX as trade in, this car still owed money to ally financial loan # XXXX, loan amount XXXX. 
XXXX XXXX supposed to payoff the trade in car loan but they didnt till XX/XX/2018. Ally financing sent a delincuent report to my credit record so affected negatively my credit score .I explained the situation to Ally financial but they told me that they cant erase the negative credit report.
My ex boyfriend threatened me with a knife and went to jail on  XXXX / XXXX /  XXXX  . He then proceeded with the help of his niece to make  XXXX  fraudulent charges to my  XXXX   XXXX   XXXX  debit card.  XXXX  charge was for  XXXX  to  XXXX  on  XXXX , the second charge was for #  XXXX  to  XXXX  on  XXXX . I opened a dispute and they are claiming I am the one who made these charges when I did NOT. I asked in writing for the dispute to be reopened and I want the money refunded to my debit card asap.  XXXX  all of my information and stole it. This is identity fraud/theft.
XXXX XXXX XXXX XXXX husband XXXX XXXX and she has been trying to deal with all of the things that he took care of that she did not know about. She is a XXXX XXXX and has gone back to work full time. 
She has submitted at least 30 modification packages to Caliber Home Loans with a never ending list of more and more documents. Before XXXX XXXX XXXX, the loan was in good standing. 
She is now facing a foreclosure sale date on XXXX XXXX, 2017. 
Caliber Home Loans refuse to work with the homeowner. Caliber Home loans refuse to help her. She has money saved to pay on her mortgage if she need a faith payment she is ready. She is financially able to pay her mortgage each and every month. 
This home is all that she has of the life that she once knew before her husband XXXX XXXX 

Please help her.
I tried to get all credit bureau to get this collection agency to verify that I owe the debt multiple times, by having this collection agency mail proof that I owe this debt, and more importantly document showing that they have the right to collect on this debt. Instead they continue to come back with a resolution that they have verified the information as correct on my credit profile. And received a letter from agency offering a discount to settle sent home but no verification. However no proof from such collection agencies that I owe this debt are being provided. I would like a hard copy to be mailed out to my address from those agencies showing proof. Those collection agencies must show evidence of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is their authorization of law for their collection of information? What is their authorization of law for of their collection of this alleged debt? Please evidence their authorization to do business or operate in the state of New York. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Until these validation is shown and complete, I will be seeking proof of such debts from collection agencies. 

Attached is a copy of the last letter received from collection agency.
I called Penn Credit Corporation on XX/XX/XXXX and spoke with someone and told the guy I want to dispute this matter the guy told me I cant which wasnt true also I let him know this account was a very old account after he couldnt even found me in there system after 5mins of  being on the phone with him Pennsylvania has a statute of limitations of six years for typical debts. If it's been more than six years since a credit card debt or contractual loan obligation became due, the creditor can no longer take collection actions for that debt. This is a standard statute of limitations and is on par with most other states. 
I call the original company and they confirm that the debt was last paid by me In XX/XX/XXXX and after that a company called XXXX paid XXXX $ which I didnt pay The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ) As a practical matter, the Statute covers most types of debt, including credit cards, medical bills, personal loans, etc. 
The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. I want it removed
Hello CFPB, I am a victim of online ID theft. My full legal name is XXXX XXXX and my CA Driver 's License # is XXXX. 

Unauthorized XXXX transactions fraudulently transferred from my Bank Of America Checking Account with Account # : XXXX and two Bank Of America Debit Card Accounts with Card Account # s : XXXX and XXXX. I did not create the XXXX account and I did not transfer money at all using this XXXX account online. 

Transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. The total # of transactions that are fraudulent and unauthorized in nature is 18 across all 3 accounts numbers mentioned above. 

I detected the fraud in XX/XX/XXXX/XX/XX/XXXX but could file final Claims with Bank Of America for reclamation and refund of money only in XX/XX/XXXX and XX/XX/XXXX. The total amount of money transferred fraudulently from my Bank Of America Checking Account with Account # : XXXX is {$6900.00}. The total amount of money transferred fraudulently from my Bank Of America Debit Card with Account # : XXXX is {$2000.00}. The total amount of money transferred fraudulently from my Bank of America Debit Card with Account # : XXXX is {$6900.00}. 

The total amount of money transferred fraudulently and without authorization across all 3 Accounts is {$15000.00}. I have filed 3 Claims with Bank Of America to get my total money back. Bank Of America has so far only done a temporary credit for the transactions against my Checking Account with Account # : XXXX for {$6900.00} and against my Debit Card with Account # : XXXX for {$2000.00}. 

Bank Of America has rejected my 3rd Claim for credit of money against my Debit Card Account with Account # : XXXX for {$6900.00}. 

I have an Affidavit signed with a Notary Officer of the XXXX XXXX County, CA as well as a Police Report filed with XXXX XXXX PD with Report # : XXXX as well as a Police Report filed with XXXX PD with Report ID : XXXX to use as reports for my ID Theft case. 

Please look into making sure justice is served here and that I get total money of {$15000.00} back including the pending amount from the rejected 3rd Claim of {$6900.00} AS SOON AS POSSIBLE from BANK OF AMERICA. 

Thank you, XXXX XXXX, Mobile # : ( XXXX ) XXXX Email ID : XXXX XXXX
I had previously submitted a complaint loan # XXXX, only to discover today that my interest rate is going up to 5.75 % and then to 6.75 %. This is under the loan modification program where my current rate is 3.75 % and a balloon payment of {$34000.00} for a home currently underwater. I find this behavior unethical, immoral and greedy.
A debt collector, Genpact, LLC, contacted me in XXXX, XXXX, stating that I owed my former health insurance provider more than {$1600.00} for pharmacy claims that were submitted to the carrier - and for which the carrier paid - more than 30 days after the policy had been terminated. I had never been contacted by their client - the health insurance company - about this debt and the collector contacted me almost a year after the policy had been terminated. I sent a letter to the collector within the 30 days of receiving their letter, disputing the debt. I told them it was not my fault that the insurance company made an error and paid money on claims more than 30 days after the policy had been terminated. I requested the collector to provide written proof that I was financially responsible for this debt. The debt collector called me in XXXX XXXX and stated that they received " proof '' that the debt was mine. The " proof '' they received was a phone call from their client, asserting the debt was valid and belonged to me. I told the collector this was not acceptable and that the law requires them to provide proof that the debt belongs to me in writing. I then filed a complaint with the California XXXX XXXX 's office, asking them to investigate this debt because it seems illogical that the carrier could accept and pay claims on a terminated policy and then try to collect the money from me almost a year later. The XXXX XXXX 's office opened an investigation. Immediately after this phone call, I sent a new letter to Genpact, LLC, informing them of this and stating once again that I dispute the debt. Two weeks later, the collector sent me the same letter they originally sent to me in XXXX XXXX, with no additional proof of any kind that the debt belongs to me. I feel they can not obtain proof from their client that the debt is valid and they are harassing me.
On XX/XX/2018, I checked my report and found out a hard check was done on my credit that i did not authorize, I do not even know this company! I check my credit very closely. I called the number that was listen in the contact info and it transfered me to transunion report. This is how the contact info looks : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
I took out a {$900.00} loan. I have now paid back {$1500.00} and they are saying my principle balance is still {$690.00}!! Turns out, my interest rate is 501 % and I will have paid this back about 10 times before I have it paid off. I never saw an interest rate before signing. I new my monthly payment was {$310.00}, but I assumed that was until I had paid off the {$900.00}. But it still comes out every month. 

Looks like they are a tribe and say they are not covered under federal law ... 

They are called Big Picture Loans.
We sent a check of all past due on XX/XX/2017 TO AVOID FORECLOSURE and today we were served with court documents. 
We have been doing everything they ask of us and now the mortgage co. Says they thought the check was " for repairs ''? 
The legal fees are adding up as well. 
Please help!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2018 Mohela XXXX XXXX XXXX XXXX, XXXX XXXX Re : Account number XXXX XXXX XXXX Dear Mohela, I am responding to your contact about a debt you are attempting to collect and to request you provide validation the debt is legitimate. You contacted me several times by phone, and dinged my credit 27 times even after I already told you its already paid ; to stop calling me, and only communicate by mail.

Please stop all communication with me and with this address about this debt.

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

If you have notified the credit reporting agencies of this debt you must notify them promptly that I have disputed the validity of this debt.

I have previously notified you in writing within the 30-day period and requested you cease collection of the debt, or any disputed portion thereof, until you can verify the debt and provide me, by first class mail. However, you failed to identify chain of title simply sent a copy of a statement. I need the following materials in accordance with but not limited to : UCC 9-406 ( 810 ilcs 9-406 ), 735 ILCS 5/2-403,735 ILCS 5/2-606.

All documents, including electronic records or images, which bear my signature and which concern the debt being collected ; A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; The name and address of the original creditor, if different from the collecting creditor ; and Copies of any assignments that explain how you acquired title to this debt.

Information regarding any discharges/set offs.

Information regarding : what numbers you used to call me at XXXX, frequency, and the call logs. 

Thank you for your cooperation. Sincerely, XXXX XXXX
CLAIM DISPUTE REPORTED BY BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Claim : XXXX   Loss Date : XX/XX/XXXX Loss Cause : WIND  Paid Amount : {$1700.00} Action : We did not get paid for this amount but XXXX XXXX XXXX Claim : XXXX  Loss Date : XX/XX/XXXX Loss Cause : MOLD Paid Amount : {$250.00} Action : We did not get paid for this amount but XXXX  XXXX  XXXX The report from XXXX ( XXXX ) shows that as if we got paid for these amounts, which causes us a " DENIAL '' of home insurance coverage with XXXX.
Last month my acco unt with First Progress wa s frozen due to my mail being returned back to them because the post office placed my mail in the wrong mail box. Because of this my account was frozen and I was unable to make a payment on my account until they resolved issue and unfroze account. Once they unfroze account I made a payment but it was already to late they reported my account late to credit bureaus. I called and spoke to customer service and they told me to write a letter in to correspondence office and they would take care of issue. So I did that but correspondence office says it is not their fault so they will not remove. The issue is not my fault either because FIRST PROGRESS froze my account I couldnt make payment. How is that my fault? They should not have froze my account.
Green Tree servicing, My complaint is on Green Tree servicing, on behalf of my mortgage modification. It all started in XXXX 2014 when XXXX XXXX XXXX sold my mortgage servicing to Green Tree Servicing. Since XXXX I have been trying to modify my mortgage with Green Tree and have not had any success. I gave them the proper documents for proof of income and bank statements that they required and months later found out that I do n't qualify and they denied my modification. When I received the denial letter they stated do to the income my wife and I make we do not qualify. They also fabricated my home value stating my home was worth {$230000.00} when I owe {$220000.00} clearly showing I have equity. This is false because In XXXX 2014 when they took over from XXXX XXXX XXXX, XXXX mailed me there appraisal on my home stating that my home was worth {$160000.00}, so how in XXXX can my home go up in value that much. Their other fabricated lie was the amount my taxes was for the year that get escrowed. They stated my property taxes alone was over {$5000.00} a year when my taxes the past few years has only been around {$2500.00}. So when they add these ridiculous figures making it unreasonable to have a payment within their requirements. They gave us XXXX days to appeal there denial and I did and also presented proof of these fabricated figures to present my case. It is now going XXXX days since my appeal and still have n't gotten an answer and since then I have a trial date with them to attend court for a foreclosure. There is people and families making less than my wife and I are and getting mortgages and modifications. To give you an example we are making in the bracket of $ XXXX {$100.00}, XXXX a year. There is also no debt other than a car payment and regular house expenses we can clearly afford a mortgage payment. When we first fell behind a few years ago yes we were n't making what we are and we were struggling. My wife has since finished school and has a good steady job and I have since switched jobs as well with a more stable company and we are with our new jobs for over XXXX. It seems that Green Tree is another bank not willing to help families stay in their homes all they do is lie and find a way to turn everyone down. It 's a shame that our government lets these banks operate like this and steal people 's homes that they worked hard for. My wife and I built this home over XXXX yrs. ago and made our home our family home while raising our children and would like to continue doing so. All I want is a solid real modification and a chance to keep our family home. All I get when I review these mortgage companies negative feedback same story it 's a shame.
I have tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I originally  sent 2 le tters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limi tations has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was verified and met FCRA requirements. I asked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd party compan y as I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.
A third party contacted this debt collector ( Hunter Warfield ) on XXXX XXXX, 2015 by telephone at XXXX about my account. The employee at Hunter Warfield, who identified himself as XXXX, did not ask the caller to identify themself and assumed they were me ( the account holder ). XXXX discussed the amount I owe and threatened to report my debt as unpaid to credit reporting agencies based on his conversation with this person.