WillisBack/dataset-financial-user-claim huggingface dataset:
I received an email from TrueAccord saying they were trying to collect a debt of {$150.00} for XXXX for a radiator service. 

I never had any work done on my car by XXXX. 

I called and spoke with them and they said there is no debt with them. I never authorized any charges.
I entered into a income based repayment agreement with F.H. Cann & Associates , Inc. on XX/XX/2016 for a monthly voluntary payment of {$38.00}. 

To date, I have honored this agreement and have been " on time '' every month in paying by the XXXX day of each month directly from a specific business bank account, as it is reasonable and affordable for me. All pre-authorized payments to date except the XX/XX/XXXX payment have been processed - which I noticed said usual amounts have not been debited as they had in the past. 

I have not received a written notice of changes to our agreement, and, have now been sought on my mobile phone [ which I use for work ], and, the main line phone number to my business during regular business hours by agents of F.H. Cann & Associates, Inc. 
This practice now begins to adversely effect my state of mind at work and the business flow of approximately 5 other individuals. More specifically, the agents calling my employer have asked for me at times I am conducting important tasks or timely projects and speak to others without regards to my privacy as to where they might fax, email or send a wage reduction form. 

In the initial contact period with F.H. Cann & Associates , Inc., I did have faith they may be able to assist me in rehabilitating my federal student loans. They convinced me my affairs would be handled on a professional level with my best interest in mind. Two months ago they began to apply pressure for me to sign a separate and new terms and conditions agreement with language referring to " collection of fee up to 16.0 % of the outstanding principal and interest balance then due on my loan ( s ) will be added up on conclusion of this Agreement and purchase of my rehabilitated loan ( s ) by an eligible lender. '' I have yet to determine what more I can do to comply honor my responsibility to what I 've agreed but know my original federal student loans have rates under a 5 % interest. 

I have advised F.H. Cann & Associates , Inc. of my on-going involvement in debt counseling through my Attorney, XXXX XXXX. And, they are well aware I am considering personal bankruptcy only because of outstanding medical bills due to a XXXX, whereby financial constraints within the past 10 years were compounded by a long-term employment lay-off. This episode of my life rendered my personal financial affairs a disaster that also caused me to cash in a 401K to care for myself and a dependent child. 

I have asked F.H. Cann & Associates , Inc. for their consideration of all communication with me to be conducted by telephone after XXXX EST., to which they have not complied recently. There is no clear line as to why F.H. Cann & Associates , Inc. now comes at me with such aggression with obvious disrespect for my personal business matters. I now think of F.H. Cann & Associates , Inc. agents as being far more seriously dangerous to my mental health as their intentions seem to have taken a turn for the worse.
telephone # XXXX called saying I owed to XXXX so I wrote check out and mailed for Synchrony. Thought nothing of it because I had XXXX card. Month later got call saying I owed {$110.00}. Knowing I didn't, and researched and Synchrony was not my Credit Card bank, but XXXX was. I am not going after my first payment, but wanted to let more people know how you can easily be scammed.
I had a HELOC originally with IndyMac Bank. When that bank failed it was transferred to Ocwen Loan Servicing. I satisfied the loan in XXXX, XXXX and received a letter acknowledging the payoff and promising to record a satisfaction. In XXXX, XXXX I sold the property and the title company found the satisfaction had not been recorded. There ensued a countless chain of phone calls and emails trying to get this resolved. Ocwen said there was a " chain of title issue '' that needed to be resolved. Closing was scheduled for XXXX/XXXX/XXXX and only because of diligence by the title co. were they able to get a letter that allowed closing. 
Today, XXXX I received a letter from Ocwen saying that they are drafting the satisfaction and will send it for recording. In other words the loan has not yet been satisfied of record. 
This is completely un-professional and, in my opinion, quite unethical. 
While they were more than happy to send me bills and accept payments. it seems they never officially owned the loan until just recently. I know the loan was my obligation and I paid it. The contract however is a XXXX XXXX street and they did not hold up their end. They are impossible to communicate with and have no concern that I was selling the property. 
THAT 'S JUST WRONG. Any help in ensuring this does not happen to someone else who did not have such an understanding and dedicated title company will be appreciated.
The collection com pany Conserv curre ntly h olds my Federal Student Loan.  I spoke with a representative from the company on Friday  XXXX   XXXX  to make arrangements to set up a monthly payment option. I am currently attempting to rectify the default status and the tax offset of the loan. I was misinformed by a representative that a repayment option would assist in helping get my loan out  of Tax Offset. It w as explained t hat a Title 4 payer is eligible to have the Tax Offset status removed after 6 consecutive on time monthly payments. After I agreed to setup a monthly payment, I then asked the question about the Tax offset to confirm our original conversation. The representative was not forthcoming in explaining that the Tax offset is only eligible for Title 4 payers which I had to ask to explain what a Title 4 payer is which I am not   eligible for. I was misled into a monthly payment arrangement that would have only given  Conserv my money without any solution to my inquiry of removing the Tax Offset and Default Status. I am looking for a solution to take the loan out of Default Status and remove the Tax Offset. I 've had several phone calls regarding my   requests with no resolutions.
I disputed my loan with XXXX XXXX. They eventually sent a credit correction letter, which they do not honor when I dispute the info with the credit bureaus. I initiated litigation for wrongful repossession in Texas. We are in active litigation. This account was disputed multiple times prior to filing the lawsuit. Every month XXXX reports me late as if this is an open, active account. This means the report never goes away. They have sold my vehicle but have not corrected the initial issue that caused thre dispute. The sale was credited to the overall reported balance. We have finished arbitration and are awaiting the court date. When I dispute it will sometimes be removed by the credit bureaus only to reappear the next month. This has a very detrimental effect on my life. This is also inaccurate as I initiated the dispute prior to the credit reporting and the lawsuit. It should be removed until settled. Or marked as no info since it was disputed, and subsequently placed in litigation. Please have removed from credit reports, with caveat of reporting only if a court rules against me for the balance alleged owed. 

Supporting documents available upon request. Some are covered under attorney-client privilege. 

Thank you.
On XX/XX/XXXX my employer XXXX XXXX XXXX authorized a payroll deposit to my checking account with Bank of America to provide sufficient funds for automated ACH deductions that occur monthly. Unfortunately the Federal Bank Holiday that occurred on XX/XX/XXXX delayed the deposit until XX/XX/XXXX. Bank of America allowed three automated ACH transactions to occur on XX/XX/XXXX causing three overdraft charges of {$35.00} each totaling up to {$100.00} in bank fees to be deducted from my employer 's bank deposit. This caused a severe financial hardship and I inquired with the bank through their automated XXXX customer messaging system about seeking waiving of these fees as I did not have control that the ACH deposits would still occur prior to the employer deposit on a bank holiday. I was not provided relief of these charges and am seeking the assistance from the CFPB to convince the bank of waiving these overdraft fees in good nature of the issues caused by this bank holiday and allowing of charges to occur prior to my employer 's bank deposit. Thank you.
They refuse to put my debt in dispute. Second they keep sending me bills I owe it. I have never ever received any correspondence from them at all except pay the bill. They refused to give me the information at. firs of their client. They keep lying to me like they are the hospital or medical center. I asked if they are a collection agency they will play games and say they are. They refuse to correspondence with a attorney and lied to her saying that they are the medical company. I will file suit this week
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Portfolio Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Portfolio Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
It's been a while since I submitted a disputed. However, the student loans were duplicated on my Equifax and XXXX credit reports. I have tried to remove the duplications in the past, but it's still there. I have a total of 4 XXXX XXXX accounts on my report ( there should have only been 2 ). One loan was paid on XX/XX/XXXX and should be completely removed from all credit bureaus ( over 7 years old ). The other was paid on XX/XX/XXXX which is also duplicated. Currently, I should only be one XXXX XXXX account which should drop off in XX/XX/XXXX. Please advise.
Sears Mastercard sent me an account statement indicating I owed {$33.00}. I owe Sears Mastercard nothing because a full refund was issued to me by Sears Mastercard for {$430.00} for the purchase of a dishwasher I bought at Sears. When I tried to dispute the debt with Sears Mastercard, XXXX ( ID No. XXXX ) told me I could not dispute the debt.
I have tried to explain to Equifax that there are several things listed on my report that are not mine. This is getting to be a huge hassle! Because of them I have to pay a higher interest rate because they refuse to investigate properly. There is no other credit reporting agency that is listing these mistakes that Equifax does. They could n't be validating with my social security number.
I check my credit report and it shows that I have a car loan, and that I have also a home, I am just XXXX  
years old. I need to report this issue in addition i want to buy a home and I will not be able to buy a car. In addition, I am unable to get my credit report
We purchased a condominium located at XXXX XXXX XXXX # XXXX in XXXX XXXX CA XXXX. at that time the lender for the developer was XXXX  XXXX XXXX . we purchased the property with a first and second mortgage totaling 100 % of the purchase price XXXX. both loans ( XXXX and XXXX ) were with countrywide. after several years we were having difficulty paying our mortgage and in early XX/XX/XXXX applied for a home affordable modification loan through the XXXX XXXX modification program. by this time countrywide had been purchased by bank of america who purchased both our loans. after sending over all financial documentation as requested by bank of america they agreed to modify our mortgage based on the information received to get payments close to 31 % dti. our financials had not increased significantly in XX/XX/XXXX from the time the property was purchased. b of a on XX/XX/XXXX finalized a modification increasing the mortgage from a 30 year to a 40 year loan with adjustable rates after the first 5 years fixed after the 5th adjustment. there was never a mention of the second mortgage nor do we believe the second mortgage was included on the back end ratios during the modification process as required by XXXX XXXX modification program. the second mortgage servicing rights were sold off by b of a during the modification process telling us that they were well aware of the second mortgage owed on the property. it is on the credit report and on title. the modification was finalized in XX/XX/XXXX and we never heard anything from any institution that the second had been only subordinated or left in place or sold off and still owed and on title. i only found out about the second lien still in place after i did a public records search on the property in XX/XX/XXXX and XXXX XXXX XXXX name came up. after contacting XXXX XXXX XXXX they informed me that the servicing rights to this second loan was sent to them in XX/XX/XXXX ( while we were modifying the first with b of a ) and the original balance of XXXX is now XXXX with fees and interest. i attempted to settle the debt for the little that we have and were told by XXXX XXXX XXXX   that the settlement application was approved for the XXXX originally owed. i believe b of a acted negligently at best and fraudulently at worse during this modification process ignoring the second mortgage and transferring the service rights to another servicer during the modification process. i am unable to receive documents as i have requested from b of a to ensure the second mortgage debt was considered in the back end ratios as required by XXXX. b of a only sends me a copy of the modification agreement on the first but does not show what debts were included in the modification process. i have been advised by my attorney to make one last attempt to resolve this through the cfpb before legal action is taken. once again we feel as b of a knowingly ignored the second lien as to reduce their potential loss on the modification even though they actually increased my financing cost over the life of the loan by financing the terms over 40 years as opposed to the original 30 year term on the first mortgage.
On XX/XX/XXXX I purchased a travel reservation through Citi 's travel portal ( this is listed as a benefit of the card ). This particular credit card offers fourth night free at any hotel stay booked via this travel portal. I was charged {$2500.00} total with fourth night free. I contacted Citi on XX/XX/XXXX ( they have a 180 day review policy ) requesting a price adjustment to {$1900.00} ( the cost of three nights given 4th night is free ). I was transferred to 5 different people 2 of which stated I should receive the adjustment, they simply were unaware of how to adjust the price, and 3 of which simply were unaware. One particular CS rep, XXXX, continued to state my price rewind would be denied. I continually tried to explain to him that this was an issue with the travel portal and he simply said he did not know how to further help me. It was not only a frustrating experience, XXXX ( CS rep ) stated that the credit card company did not have to provide me with accurate terms and conditions, which I know to be incorrect. He also stated the price is non-refundable- which I agree with ; I am not requesting a refund simply a credit for the price difference through Citi 's own travel portal for 4th night free. I currently should see a price credit of {$640.00} and Citi has provided no answers or solutions.
StoneGate Mortgage sold my loan to another loan company without properly notifying me or having my approval. The only action they took to inform me this transaction is to send a good bye mail to my address when I was moving to a new place and traveling a lot for business. They never tried to call me or send me an email about this. 
I set up an auto-payment for my loan in the past few years and was never late for paying that. However, my auto-payment information was not updated when StoneGate sold my loan, which lead to late payment for 3 month and a dramatic drop of my credit score.
about 4 months ago i have sent a complete short sale package to bayview loan was told that it was on review and also requested to send copy of my driver license and social security card i did send all requested document for the short sale today my realtor called bayview loan to check status on the short sale file and he was told that that i am not able to apply for a short sale and the negotiator gave him no reason. i called bayview loan but they are not giving me accurate information please help
On XX/XX/XXXX, I ran 2 of my free annual credit reports. One with TransUnion ( TU ), and one with XXXX There were 2 derogatory accounts that came up on my credit reports. I sent electronic disputes to both credit bureau companies, stating these are not my accounts. And that I have a son with the same name. TransUnion 's investigation has come back XX/XX/XXXX, stating one account has been deleted, and the other account, XXXX XXXX came back " verified as accurate ''. This is not my account. It is my son 's account, who has the same name. I have a consumer statement on all 3 credit bureau companies that has been on there for years, since my son became an adult, stating I have a son with the same name and to always verify us by SS #, and Date of Birth ( DOB ), before extending any new credit, or putting any derogatory information on my credit report. Even though this consumer statement has been on my credit reports for years, these same problems continue to happen where I have to dispute accounts that belong to my son, that ends up on my credit report over and over. Usually, the derogatory accounts are removed by the credit bureau companies, once I file a dispute, however TRANSUNION has stated, after their investigation that this one account with XXXX XXXX is " verified as accurate '', and remains on my credit report. This is an error, it is wrong, and not accurate. If TransUnion had requested XXXX XXXX to provide proof of SS # & DOB, as well as a Promissory Note with a signature, they will find that this is not my account. My son did live at my address, off and on until XX/XX/XXXX. Therefore, the facts are we have the same name and have also had the same address only. I have done all I can do, to my knowledge to keep this from continuing to happen, wrong information being put on my credit report. It is very stressful and frustrating, and time consuming. 
I am filing a complaint against BOTH, TransUnion and the collection agency, XXXX XXXX, because, even with the alert on my credit reports, this continues to happen where my son 's derogatory credit is put on my credit report, having a negative impact on my credit and credit scores, and taking up a lot of my time trying to get it removed. Please request that TransUnion thoroughly do an investigation again, and this time, request XXXX XXXX to provide proof to show who the account belongs to such as a Promissory Note with a signature, Date of Birth ( DOB ), AND the Social Security Number. Then, they will find that the true fact, that this account is not my account, and therefore, remove it from my credit report as soon as possible. Thank you.
There is information on my credit reports which are older than 7 years which should be removed according to the FCRA. 

XXXX XXXX- {$450.00} XXXX XXXX- {$580.00} XXXX XXXX- {$870.00} All these accounts are over 7 years old from date of last activity.
I have been having problems with XXXX. I had taken this loan out originally on a different percentage rate than stated previously on phone. I dont even know if I signed originally to begin with. Well first problem started XX/XX/XXXX they lost a previous payment and repossessed my car a day before loan was even due. Made me pay XXXX to get my car back. While car was impounded my tags, XXXX parking plaque was taken along with all registration papers and service invoices. Also my fuse box was damaged because they basically stole vehicle never report it to sheriff department either. Plus personal belongings were removed and they tried selling them back to me when I picked up car. So naturally Im refinancing car to begin with and then they stake other company from payoff to create another repo file. So they call demanded XXXX on text to give me more time. Problem is that they are the only one holding up payment from other bank. Then theyve played games and told me other company didnt pick up loan when Ive already have approved documents that it was. Threatening me only to then become silent no calls telling me anything. So Im thinking that its done. Then on XX/XX/XXXX a white XXXX pulled into the driveway booms my car from inside my garage and my neighbor is witnessing everything. He apparently asked him what he was doing and driver proceeded and backs out with car and ran over my neighbor in process and leaves. I call XXXX and cops tell me that XXXX was reasponsible for the repo and Im gon na need to get ahold of them. XX/XX/XXXX I received a modified loan and they wanted XXXX from me and my interest rates dropped because I earned it a better deal than before. I then asked for my car they act like they dont know what Im talking about sending me a picture of car down the street from XX/XX/XXXX and that I was spotted with my own car and they didnt have anything to do disappearance of car and that I better call cops. They dont know anything about it and in email once again demand for payment and I Better make sure it is made before car is Really repossessed!! I dont know what to do but not sure if Im gon na pay for anything at this point and time cause my car is still missing! This is extortion and Ive made them aware that many laws have been broken here.
On XXXX/XXXX/16 I purchased a {$100.00} Walmart Gift Card at Walmart, XXXX, NJ on my Walmart Credit Card. I mailed the Gift Card and receipt to a family member in Pennsylvania. 
They tried to use the giftcard on XXXX/XXXX/16 and was told they was " XXXX '' on the card. 
It was investigated and found the giftcard was used on XXXX/XXXX/16 at another Walmart, XXXX, NJ. I contacted Walmart XXXX to ask for help. I asked the family member to return the giftcard and receipt. Corporate had me go back to the Walmart XXXX NJ to speak to the store manager. After a 2 hour store investigation they said there was nothing that could be done to get my {$100.00} back. It appears the giftcard was hacked. I contacted Walmart XXXX several time and was redirected to different departments, with no resolution.