WillisBack/dataset-financial-user-claim huggingface dataset:
I received a home improvement loan through the Texas XXXX XXXX XXXX XXXX ( XXXX ) program ( loan number XXXX ). When the first payment was due, I had not heard anything about making a payment so I inquired as to where to send the payment. I then sent the payment to where I was instructed to. This payment was received and I my bank statement shows that the check was deposited. After this, the mortgage was sold to Gateway Mortgage Group ( new loan number XXXX ). 

On XX/XX/XXXX I received a call from Gateway informing me that I had not made my first payment and I was told that " If you don't make the payment your credit history will be impacted. '' I instructed them that I had, in fact, made the payment. I was then told Gateway had purchased my loan from the XXXX and the address I had sent my payment to was not with Gateway, after which I instructed to make another payment. I objected and told them they were the ones that had failed to do their jobs, not me, and they were now trying to punish me for their actions. I had done everything required of me and even more. It was not my fault that they had failed to get the deposits from the XXXX. And, now, they were calling up, threatening me, and demanding I make a second payment. The caller said it wasn't a threat because he had said, " if ''. I told him it was perceived as a threat and I feel any reasonable person would agree. I demanded that the caller take this up with his supervisor and they should call me back with the resolution. 

I have now received a letter from Gateway demanding I make this payment. 

I did what was required of me. I not only made the payment, but when there was no contact concerning payments, I reached out and found out where I needed to send it. Now, Gateway is threatening my credit history and demanding I pay double because they failed to obtain payments that had already been made to the XXXX when they purchased the loan.
Additional accounts have been added to my credit file but score hasnt changed. Since XXXX XXXX the following accounts were added : XXXX XXXX XXXX. Opened XXXX. XXXX XXXX {$20000.00}. 
XXXX XXXX. Opened XXXX. XXXX XXXX {$25000.00}. 
XXXX XXXX XXXX XXXX. Opened XXXX. XXXX XXXX {$10000.00}. 

These additions to my credit file have changed my total credit to {$120000.00}, lowered my utilization to 7 %, and my age of average accounts has changed yet Experians credit monitoring has not shown a change in my score.
I only have XXXX account with wells fargo dealer services account # XXXX and I saw on my credit report for all XXXX reporting agencies, XXXX XXXX XXXX that well fargo dealers service is reporting another account number for the XXXX account that I have the other number is XXXX they changed the information on this account as though I have opened another account when I only have the XXXX with them, they changed the information of the opening date and the amount of payment when my payment was XXXX not XXXX their reporting a new account number for an account that should be closed, and that I had no knowledge about until I checked my credit report, and i called the company wells fargo dealer services, told me that it was the same account with another account number I said i 'm not aware of this and I was n't made aware of this new account and they are breaking the law again they should only be reporting the XXXX account XXXX that I know about. there already being sued for opening accounts that consumers are not aware of please correct my credit report with the account number that shows the account closed I only know about which is paid off there 's no need to add another account that I do n't know about when this account is closed and paid as agreed. the XXXX should not have been opened without my knowledge.
I followed the guidelines this apartment complex gave me. I had to move because of my job which caused me to break my lease. I wrote them a letter explaining why I was moving a month in advance like they advised me too. Everything was fine until two years later they put me in collections. I followed there rules for breaking the lease without repercussions and I still got sent to collections.
Abusive harassment over the phone. 
Online access to account wo n't work after reset.
To Whom It May Concern ; I am a Veteran of the XXXX XXXX XXXX, my rank was XXXX XXXX  and I served in the XXXX as a XXXX XXXX ( XXXX ) for 27 years. On XX/XX/XXXX, I sent a wire transfer to the Suntrust Bank, XXXX XXXX XXXX, XXXX, XXXX. Bank Code XXXX. Receiving Customer was " XXXX XXXX XXXX '' Bank Account # XXXX. Address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD, XXXX. The Amount Transferred was {$6500.00} USD and this wire transfer was cancelled. I contacted the XXXXXXXX XXXX XXXX people and they said they do n't know what I am talking about as the do n't own an account there with that account number. I contacted the Suntrust Bank and they said they see where the money was transferred and they have the wire transfer cancellation but ca n't return the funds as the person to whom the account belongs needs to transfer this money back to me. I have contacted the bank on many occasions but to no avail. They had me sent all of my documents to the legal department somewhere in Florida and to date I have heard nothing. I was told I would have the {$6500.00} USD back in my account within 5 working days and I am at my wits end trying to get this money back. As this one was cancelled and thinking it was coming back I sent the second {$6500.00} USD on XX/XX/XXXX to this account thinking I was paying for Gold but I am a victim of Fraud. I had someone in XXXX go talk to the people there that apparently owns this fake account in the XXXX XXXX XXXX 's name and they are refusing to give my funds back as I have received nothing. This now is a total of {$13000.00} USD that I am out and {$6500.00} USD actually had a cancellation of the wire transfer completed and still no money. I am a XXXX XXXX XXXX XXXX with 27 years of service to my XXXX and I am on a small pension. I am hoping you are able to retrieve my money for me as I was a victim of fraud. The Suntrust bank was of no help to me and I am now totally frustrated with them as they had the paper work to return funds and yet could n't return the money I was owed. I am hoping you are able to help me with this matter and return my hard earned mooney to me as soon as possible. If it were {$50.00} I would write it off but it is a substantial amount of money and I need it back as soon as possible as I did not receive anything for what I sent the money for. My email address etc is as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ON, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
They have contacted my employer multiple times daily while i am out working talking about my personal business and can cost me my job. This has been taking up the time of other reps that work for this company.
I paid my medical bill in full XX/XX/XXXX. I started receiving phone calls stating that I had paid too much, and that I needed to submit a separate payment to reach the total. I have been receiving phone calls since XX/XX/XXXX, and with each call I request that they send an invoice to validate the debt. The phone calls increase in quantity and hostility.
Hello, I have an active complaint, XXXX XXXX. The mortgage company sold my property after erroneously stating that it was in litigation. This is in violation of the law. I need assistance to go after PHH Mortgage Company for conducting mortgage fraud.
EquiFax has fail to update my information after several attempts with them. THEY HAVE FAILED TO PROVIDE ME WITH A FULL ANNUAL FREE CREDIT REPORT AS WELL. I HAVE PROOF THAT THEY ARE SENDING INFORMATION TO MY  PO BOX ,  BUT THEY REFUSE TO PROVIDE ME WITH MY REPORTS AND REQUEST FOR THIS INFORMATION YOUR OFFICE HAS FAILED TO RESPOND TO MY REQUEST FOR REMOVAL OF THESE ITEM ON MY CREDIT REPORT THAT I DID NOT AUTHORIZATION. THIS IS ANOTHER GOOD WILL ATTEMPT BY ME TO RESOLVED THIS ISSUE. I AM SENDING ALL MY COMMUNICATION WITH YOUR AGENCY AND WITH THE COMPANIES OF NO RESPONSE TO THE FOLLOWING LISTED AGENCY ON THIS LETTER.     YOUR OFFICE HAS FAILED TO RESPOND TO A REQUEST THAT MY NAME AND ADDRESS BE UPDATED TO THE FOLLOW :  XXXX   XXXX   XXXX   XXXX  AZ  XXXX  Please remove all the other addresses off my report, as they are not deliverable to me by the  U.S.  post office, and they are not reportable as per the FCRA, since they are inaccurate.     NAMES ON REPORT SHOULD ONLY BE AS FOLLOWED :  XXXX   XXXX    XXXX    HAVE ALSO ASKED YOU AGENCY TO REMOVE THE EMPLOYER HISTORY OF THE  TWO  EMPLOYERS THAT I HAVE NEVER WORKED FOR. YOUR AGENCY CONTINUES TO NOT COMPLY WITH THE FAIR CREDIT REPORTING ACT WILL RESULT IN A CIVIL ACTION LAWSUIT DEPENDING ON YOUR RESPONSE TO THIS LETTER. I MUST REMIND YOU THAT THIS IS A GOOD WILL ATTEMPT TO RESOLVE THIS MATTER NOW IN GOOD FAITH.        XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX
I have a credit card account that I use for big purchases and I have n't needed it for about XXXX years. I received a letter from Citi on XXXX/XXXX/15 stating that my account was closed due to inactivity. I promptly called Citi on XXXX/XXXX/15 and questioned why this was done and that I wanted my account to remain open. The representative stated that after XXXX months of inactivity that a program goes through and closes accounts. To reopen my account they would need to pull my credit report. I received no prior warnings that allowed me to take action before the account was closed nor is there anything in my online agreement that states after XXXX months of inactivity my account would be closed. I asked to speak to a manager and she was just as unhelpful and reiterated that there was nothing they could do but formally request the account to be reopened and that would require pulling my credit report.
Today, XX/XX/XXXX, the bank seized my entire account, due to a debt my wife owed some 18 years ago. One she has no idea about. She has sent letters to the Superior Court of NJ and to the law offices asking for clarity. I never received a seizure notice, and find it unfair that the only monies in my account are those that I have earned under my name, not my wife, who has been ill since XX/XX/XXXX ; and ill most of her life, and would have never been able to open up a credit card, because she has never worked a full time job in her life. I have proof that all of the monies in my account are checks for me, and only me. My wife 's name is XXXX XXXX, and my name is XXXX XXXX. We are already facing hardship, and this will make it worse, as I will not be able to go to work or feed my family and ill wife.
I am submitting this claim in reference to Case No : XXXX, a case I opened against CMRE Financial Services. This debt collection agency is in defiance of the law. In their response to my initial compliant, they stated that they would be placing my file with them in dispute. However, after that statement, I received an offer to settle the account at about 75 % of the amount posted by the provider of service. I called them to explain to them that what they were doing was against the law. I also again requested that they remove the negative information from my credit profile. Their rep was so RUDE! She said that XXXX on two different occasions the in XX/XX/2016 denied payment of my claims. The funny thing is the claims were sent approx. 7 days a part. XXXX is denying that the provider was told that I was not insured. I explained that to her and told her simply the provider just needs to file the claim again for payment. She told me there would not be any other attempt to collect from the insurance company, and that if I wanted the debt settled, I would have to pay the settlement offer. This is a gross violation of the law! She hung up in my face. I called back and asked for a supervisor. I was transferred to a voicemail. However, the system would not accept the message i was trying to leave. I am requesting the the CFPB sanctions CMRE for this nefarious attempt to gain payment by holding my credit hostage. They are not trying to collect a payment from the insurance company or relay pertinent information to their client. They are only interest in increasing their bottom line. It makes one wonder to whom else they are trying to hold hostage in this manner. I want CMRE to delete the negative information they slammed on my credit report. They have already admitted not speaking to me. This is fraud! Pure fraud and nothing else! I am thanking you in advance for your assistance.
As you can see from attached picture Capital One is reporting I have disputed this account. I do not know what this acct is and aparently neither do they. I spent XXXX hours, XXXX transfers and XXXX hangups speaking with reps in various departments. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, and XXXX others whos names I could not understand. I was transferred to XXXX Bank once who had no record of this acct either, after I was told it was theirs. Lastly i was told the information is old and they can not help me and was hung up on. That was XXXX. All i want is some help with this as it is hurting my chances at mortgages.
I received a foreclosure sale notice to my house from XXXX XXXX, XXXX on XX/XX/XXXX scheduled for sale on XX/XX/XXXX. The notice said in part " Enclosed please find a copy of the advertisement of sale as published in XXXX XXXX XXXX -- -- ''. I could not find a copy of the advertisement as claimed by XXXX XXXX, XXXX in the foreclosure notice letter I received. I have also checked XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX when I received the foreclosure notice letter I could not find the advertisement of foreclosure sale to my house in XXXX XXXX  XXXX as claimed by XXXX XXXX, XXXX. I also checked XXXX XXXX XXXX of XX/XX/XXXX I still could not find the advertisement in XXXX XXXX XXXX.
CMS LN XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX XXXX XXXX We caught them doing some questionable things at the beginning of this transaction. Please see attached previous CFPB complaint. Escrow is trying to close today XXXX/XXXX/16. A payoff demand was ordered from Carrington on XX/XX/XXXX. We were told we would have the payoff within 3-5 days. We have called in multiple times since then ( at least 6 total ). We have gotten a different story every single time we have called. One call we were told it would be 3-5 days. The next call we were told the request was closed out and the new time frame for providing a payoff would have to start over. The rep had no ideas why it was closed out. Then it was escalated again. Then we were told we would have a payoff within 24 hours. ( we never received it ) Then we were told we would have it by the end of business that day. ( we never received it ) Then it was escalated again. Then we were told it would take at least 10 days to get a payoff. We have never received the payoff demand. We have been told a completely different story every single time we have called them. This has been escalated multiple times, as well as cancelled multiple times within their system. As of today, they are now telling us we wo n't get a payoff demand until after the foreclosure date. 

Is the refusal to send a payoff demand Carrington 's version of retribution for filing the first CFPB complaint? Kinda seems that way ... .. 

We know that Carrington has no intention to allow a full payoff of this loan. They never did. They instead want to foreclose on this property and send it to their real estate division in order to keep the equity in this property for themselves and get paid a commission for the sale. THIS HAS BEEN THEIR GOAL FROM THE BEGINNING.
American Express Serve Card- 45 transactions were made over night between XX/XX/2018. Woke up to a negative balance alert on my phone, shocked because I had just got my direct deposit the XX/XX/XXXX, i quickly contacted the bank and because some of the transactions were still on hold. Outrageous amount were charged, XXXX , {$60.00}, XXXX , etc .... amounting to a total of XXXX . My transaction alerts didnt even work or alert me. I sent in the declaration of fraud right then and then and am still at it, since XXXX. I have again began the dispute and still am getting broken links to upload the documents, even have faxed the paperwork various times to the numbers provided. Also filed a identity theft report and sent it to them too along with copies of emails with the merchant, who also acknowledge that the account that was used to purchase the gold coin packages for that establishment was indeed made with a false name and email. To this date I continue to get the runaraound.
This company is posing as Aldous and Associates 'Attorneys at Law ' from XXXX , XXXX . I cancelled a membership to XXXX of XXXX ( XXXX ) several months ago well after my contract was expired. 

I owe nothing to XXXX and notified them in writing and verbally that I would not be continuing my membership, that my contract is expired, and that I no longer would use or need their services.
I have sent multiple letters to Portfolio Recovery Associates,  collection agency, disputing accounts they have listed on my credit report. I have requested that they validate the debt by providing a copy of the signed contract from the original creditor with my signature on it. They keep sending me a computer generated form letter that states the debt has been validated and ignore my requests to prove their claims by providing my signature on a contract. They tell me that they are NOT required to do that. I sent them a copy the Fair Credit Report Act, Section 609, which states that if I request that documentation to validate a debt, federal law requires them to provide it. They are ignoring all my letters. I spoke to Ms. XXXX in the dispute department today who stated she will " order a copy of the contract ''. She stated to me that they are not required to provide a copy of the contract. Please explain why laws are written to protect consumers if collection agencies think they don't have to follow them. They are reporting multiple accounts to all 3 credit bureaus that have NOT been validated.
Complaint : XXXXI am rejecting this response because : I have sent a new response via mail to this business. 
The " photos '' do not show the driver of the vehicle as requested in the original request for validation. 
The photo of " Time and Date '' are only clearly legible in XXXX photo. The photo is too small to show any such validation. 
Neither photo shows a location or mile maker of where the car was located on " XXXX XXXX ''. 

The original letters very clearly stated to ONLY contact me AGAIN with the Validiation as REQUESTED which was 1 ) A photo of the driver of the vehicle- which was NOT sent 2 ) A photo with the vehicle located on " XXXX XXXX '' - which was NOT sent My cease and desist was VERY CLEAR- if you could n't provide the validation as REQUESTED then DO NOT CONTACT ME. You absolutely denied my cease and desist request by sending " documentation '' that I DID NOT request. You only sent what you " wanted '' to believe is " validation '' to continue to " pursue '' a debt that has yet to be properly " validated '' Additionally- I never received a bill from XXXX XXXX which appears to be a " known issue '' in consumer reports and ripoff complaints. Sending a piece of paper does n't prove they were actually put in the mail or that I actually received them. There is no way to justify an {$80.00} bill for " claiming '' that someone had traveled on a XXXX XXXX twice. 

" XXXX XXXX '' has been under scrutiny several times and I will NOT partake in the scam. They are known to send people to collections before sending bills and then by the time people are " notified '' theres added " collections fees '' and " attorney 's fees '' and then blame it on " computers '' or people " moving and not updating addresses. '' Well I 've been at the same address for 7 years ... so explain that XXXX. Their cameras are " high tech '' yet their " computers '' XXXX up XXXX of bills ... read the XXXX reviews on XXXX OR the following articles XXXX I can see why " XXXX XXXX '' wants to collect as much as they can and rack on fees when they are {$450.00} XXXX dollars in DEBT XXXX Since the " attorney 's '' at XXXX XXXX and XXXX may be able to read a cease and desist request- they severely lacked the comprehension to understand the request ... and they proceeded to send me " information '' I did NOT request after receiving a cease and desist demand ... 

I 'm tired of being harassed. 
I can provide documentation of my letters requesting the Cease and Desist if my validation documents COULD NOT be sent as requested. 



Regards, XXXX XXXX
I received a letter from Afni , Inc in XXXX XXXX requesting payment for debt so I asked them in writing to provide me with a breakdown vial USPS mail of what I allegedly owe as well as documents from XXXX XXXX XXXX with my signature agreeing to this account as I suspected fraud. They never responded. After contacting the XXXX about this in XXXX, Afni now states that I have a past due XXXX XXXX XXXX account in the amount {$120.00} from XXXX ( yet they have listed this account as being opened in XXXX on my credit reports ) and included past due bills as verification that this account was mine. I expected to see an actual breakdown of how they came up with {$120.00} or notice from XXXX XXXX XXXX that has my signature agreeing to this service. They have not produced that information to me and by attaching bills, I believe they know this account is n't mine nor can they prove it but they want to bully me into paying a debt that I NEVER owned.
I borrowed a little over {$25000.00} in student loans about 20 years ago. I was in deferment until last year. I understood that the interest was going to continue to accumulate during the deferment. My interest rate is 8.25 % and over 20 years that calculates out to {$52000.00}. The Department of Education is telling me that I owe {$110000.00}!!!! They are trying to collect {$93000.00} in interest alone! How can a single mother of XXXX survive when the government is trying to squeeze out my very last dollar so they can pay off their own debt?!
XXXX XXXX XXXX reported me dead.. While after 10 days they have corrected their mistake I can not get verification from them for another 10 days so I can not open a credit card, rent a car as I have no credit card they have me stopped at every turn. The worst part is no one at XXXX XXXX XXXX can or will do anything to help. I simply asked for a letter from them emailed or faxed to me saying they made a mistake so I can open a credit card account.. That will take 10 days to go through their system and Equifax has 30 to 60 days to correct their report. This is unacceptable since they made the mistake they should be able to correct it immediately. XXXX XXXX XXXX customer service is awful. Hope I survive long enough to see this corrected.
NORTH STATE ACCEPTANCE DEBT COLLECTOR DIDNT VERIFY COLLECTION, NO CONTRACT, NO SIGNATURE,