WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage was originally with XXXX and was eventually taken over by XXXX XXXX XXXX. XXXX XXXX XXXX would allow me to cancel my PMI and not charge me for an appraisal when the loan to value qualified to remove the PMI. Nationstar bought my mortgage without my approval and they are requiring I may {$450.00} for an appraisal to remove the PMI. I think this is a racket and should be illegal to change the terms of the servicing of my loan!
Trying to get a small line with lend up but capital one has my account blocked I'm trying to put money to cover my negative balance.
On XX/XX/18, I received a communication from XXXX XXXX XXXX XXXX in an attempt to recover a debt on behalf of original creditor, XXXX XXXX. Contents of letter indicated they were offering to settle the debt at 35 % of balance owed over the course of 24 months. 

I called the office notated on the letter to offer to pay the settlement offer outlined, in full, via bank check, provided they send over a letter, on company letterhead, outlining the following : 1. Verification of debt 2. Verification of authorization to collect debt on behalf of XXXX XXXX 3. Terms of settlement offer 4. Next steps for discharging debt/judgement with XXXX XXXX attorneys ( Satisfaction of Judgement ) The original call center rep, XXXX XXXX, attempted to collect information irrelevant to the settlement offer I was agreeing to pay in full today, such as employment information, why I was in debt, what I am doing to prevent it, as well as information to secure a post dated check from me, or bank routing details. 

I further confirmed that I will await settlement terms above in writing, and upon receipt, will send full settlement offer via Bank check. They seemed unwilling to entertain any conversation that did not entail passing them my personal banking information. 

After conceding to sending the above letter to me via overnight mail, she put me on hold to verify with her floor supervisor, XXXX (? ), who then took the line and proceeded to argue that they would not verify in writing that they are authorized to collect debt or authorize settlement. 

After further escalation to his supervisor, whose name I did not catch, I was told the same, argued with, and essentially prevented from paying the outstanding debt if I would not do so without written verification of settlement terms and verification of authorization of their agency to collect. I was told to contact XXXX XXXX and figure it out myself. 

Further, this agency has contacted various parties outside of myself in attempt to collect debt, and without the above verification, I have requested they cease and desist and further communication, via any channels. 

I then contacted XXXX XXXX to discuss alternate means of settling said debt directly. They opened an internal inquiry/complaint against XXXX XXXX, as they are their contracted firm, and will be outlining to this agency that they are to follow the request I have made in order to settle the debt, as it is reasonable and to the letter of the law, and will alternately consider leveraging a different third party collection agency to settle said debt on their behalf.
I have no knowledge of this debt and I did not receive any communication on this outstanding Medical bill and did not receive notice of my rights to dispute this debt before it was added to my Credit file.
On XX/XX/2018 I file a police report with the XXXX XXXX Police Department ( Case # XXXX ). I reported that I was a victom of identity theft and some one was clearly using my identity for personal gain. What brought this to my attention was I continued to get alerts constantly on my XXXX XXXX account that a new account has been open in my name, or a new inquiry has posted to your account. So I investigated and found out that I had over 30 inquries along with some accounts and collection on my credit reports with all three Major Credit Bureau that I did not authorize or recognize. So I sent all three Bureaus a letter explaining the situation along with the police report and number to the police department. About a week or so later XXXX and XXXX both deleted these items off my credit but Equifax did not. I recently called Equifax to make sure they received my letter. Equifax answers and claims they did receive the letter but could not make out my drivers license and social, I told Equifax that I sent them the same information I sent the other two bureaus and they did not have a problem reading the information, so I resent them the information they needed and they continue to report the same information I submitted to them, the police and the other two bureaus. This company is refusing to follow the law of reporting 100 % accurate information and its my understanding against the law to report false information of a person who is a victom of Identity theft. Equifax needs to remove this information at once or I will have no choice but to seek legal counsel.
It seems my information might have been stolen in the Equifax security breach. I 've put a 90 day fraud alert on my credit file, as instructed by resources online. This has been a frightening and inconvenient situation.
My loan provider for my private student loan is refusing to help me with some options to repay them. Unfortunately I recently lost my job and have no income because I was denied unemployment benefits. I am still fighting that decision with the State Department of Labor, but in the mean time I explained to FirstMark Services ( A Nelnet Company ) that I could not pay my monthly amount. I explained this to them before the date my payment was due since I had signed up for their auto debit program. They claim that since I have not made at least XXXX payments I am ineligible for forberance. So after that they continued to charge me late fees even after they knew about my situation including trying to collect the money from my bank account with no authorization which resulted in my bank charging me returned check fees. Then on XXXX/XXXX/2017 which would make my payments two months late they have a debt collector call me saying they are trying to collect a debt from me for an amount well above two months late including late fees. They then proceed to connect First Mark Services via a three way calling and then both of them started recording me telling me that they could not help me and that I do n't qualify for forberance and that at the end of the month it will go into default.
I had an account with XXXX ( at the time it was called XXXX XXXX ). The account was opened XX/XX/XXXX. I defaulted in XX/XX/XXXX. The date of first delinquency is XX/XX/XXXX. XXXX began issuing, and the credit reporting companies began publishing, negative consumer reports reflecting this fact.

The FCRA allows for the publishing of consumer reports for 7 years. After 7 years, the consumer reports must be removed and no new consumer reports regarding the account may be published. In this case, consumer repeated was required to cease XX/XX/XXXX.

Despite being informed of this requirement and being asked to stop, XXXX has continued to issue illegal consumer reports on a monthly basis, most recently in XX/XX/XXXX.

I submitted complaints regarding these illegal consumer reports to Experian, XXXX, and XXXX. XXXX performed an investigation and resolved the issue and removed the illegal consumer reports. Experian and XXXX failed to resolve the issue. When I contacted Experian and XXXX, phone representatives admitted that there had been no legitimate investigation. The phone representatives admitted that their entire investigation had consisted of asking XXXX if the information was correct and then accepting their answer without any analysis. The Experian phone representative even admitted that he had not, and that he could not, view the documentation that I provided with my complaint.

When speaking with Experian and XXXX regarding their failure to properly investigate the complaint or remove the illegal consumer reports, the phone representatives refused to correct the error and instead said that the only recourse was submitting another complaint in the hopes that the next person to perform the investigation would actually do it.

There have now been three mock investigations performed by Experian and XXXX. To date, both credit reporting companies have refused to properly investigate the complaint or remove the illegal consumer reports. Every time I contact them, I am recited lines from the same script by phone representatives that do not understand the complaint. This process has been exceptionally frustrating.
On XXXX/XXXX/15, I reported a fraudulent charge of {$670.00} debited by XXXX XXXX to the disputes department of Ally bank. I went on to explain that I had not contacted XXXX to initiate the charge, had not signed up for automatic billing of any kind and do not have account with them. I was issued a provisional credit in that amount while the disputes department investigated the matter. 
Nearly three months later, I received follow-up from the disputes department dated XXXX XXXX. The letter states that the charge " ... .was authorized and correct. '' Upon receipt I reached out to Ally to receive an explanation. To date, I have not been provided a definitive answer as to why this charge is considered valid. To add insult to injury, I received a letter dated XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX, a collections agency, seeking payment in the amount of {$690.00} on behalf of their customer Ally Bank. 
On XXXX, I reached out to Ally and requested to speak with a supervisor. The call was forwarded to XXXX XXXX. She confirmed that the I may submit documentation to disprove the merchant 's XXXX rebuttal to the initial dispute once I receive yet another letter in the mail ; however, I am not sure how long this process will take or what impact this will have on my credit since this matter has already been forwarded to a collections agency. 

XXXX Resolution : I would like for Ally Bank to remove my account from collections and allow me the opportunity to properly resolve this matter by working with them and XXXX.
I checked my credit report and noticed 3 late payments reported by Navient while my loans with them were in Administrative Forbearance. The late payments was reported XX/XX/2016, XX/XX/2016, and XX/XX/2016 my Administrative Forbearance was from XX/XX/2016 to XX/XX/2016. After noticing the error of the the late payments being reported I notified Navient and was sent a letter to give to the credit bureaus to update the information. The letter states that my loans were in Administrative Forbearance during the time the late payments was issued. This was done back in XX/XX/2016 to this day the late payments are still on all XXXX of my credit reports. Navient has been unpleasant to work with concerning this matter. I have paperwork to submit to verify of the Administrative Forbearance during the months in question. I just want this matter fixed.
I obtained services from XXXX in which Conrad acceptance was who I was to pay for the services of XXXX. Due to the misrepresentation by the Company of XXXX I attempted several times to reach out to the office to cancel this contract within 3 hours of signing and several months thereafter. I refused to pay because I felt the company was breach of contract undergrounds misrepresentation. I have sent several faxes and letters to this company explaining my dissatisfaction with the service with no replies from mail, phone or faxes. Conrad continues to send various attorneys in attempt to collect this debt, a debt I feel and have expressed several times I do not owe. Although the contract I signed, unknowingly states I waive my 3 day " cooling off period '' all circumstances become null and void when services you are paying for are never received. No one could ever be reached to schedule appointments, no one would ever call me back. How is there to be a contractual agreement between XXXX entities when the company you hired is no where to be reached to obtain said services. They took my money and ran. Conrad continues to harass me through attorneys and collection services to obtain funds, I do not owe and I should not have to pay. I have been fighting this since 2009. The contractual obligations were never met by the company and there were no intentions of the company meeting those obligations therefore the contract, once again, is null and void and no money should be due to Conrad Acceptance.
I applied for and received a TD Bank credit card in XXXX 2014. The card promised unlimited cash back on grocery store spending for six months. When I tried to use the card for several XXXX purchases, they placed my account under review. When I called the fraud department, I verified all attempted and completed charges, paid my bill in full, so no fraud risk. My account has been under " review '' for 6 weeks now with no explanation and not released for use. I have called XXXX times and get no explanation or a call back to tell me what is exactly under review. I believe TD bank is employing this tactic to prohibit card holders from utilizing their advertised rewards program maliciously.
I had words with Sams Club and they gave me my money back for the membership card. Months later I received in the mail a membership/ credit card in the mail. Never used it or went to Sams. Two months ago I received a bill for {$330.00} made in California. I called them and told them this was a mistake. I wrote to them and told them it was a mistake. Now they are calling me on the phone wanting money.
National Default Servicing Corporation ( NDSC ) made material intentional misrepresentations as to their relationship as it relates to my home loan mortgage account and foreclosure processes. 
NDSC provided written documents originating from them in which the affixed the XXXX XXXX XXXXXXXX XXXX at the top giving the appearance the correspondence originated from XXXX XXXX XXXXXXXX and not NDSC. Within the correspondence, NDSC stated it had been retained by XXXX XXXX XXXXXXXX to collect on a delinquent mortgage debt prior to XX/XX/XXXX. Neither NDSC nor XXXX XXXX XXXX has provided any written documentation confirming NDSC a Trustee relating to foreclosure processes to date. 
Upon receipt of correspondence from NDSC prior to XX/XX/XXXX claiming any connection to my home loan mortgage debt was unclear and incorrect. I actually believe this correspondence to be a scam of some sort as I was still pending in the modification process at the time of receipt. On XX/XX/XXXX, I was approved on appeal for a MHA HAMP TPP. However, I had not been offered the MHA HAMP TPP acceptance package at the time of the NDSC correspondence. As dual tracking is prohibited under California law, debt collection processes, including foreclosure, can not begin or proceed. 
All previously requested resolutions are desired to include three times the median home value in XXXX XXXX County.
X/X/17    - This company has been making frequent and harassing calls to m y Mother 's hom e for almost a year now.   The numbers they have used just in the past week are :  XXXX   XXXX   XXXX   XXXX  The company is : Portfolio Recovery  Associates LLC   XXXX   XXXX   XXXX   (  &  XXXX   XXXX   XXXX  - for Disputes Dept. )  XXXX , VA  XXXX  I have sent them several letters begging them to stop calling my Mother 's number because I do n't live there and she is recovering from  XXXX   XXXX   XXXX  and is still undergoing treatments. I have explained I am currently dealing with illness, I have filed for  XXXX , I have no job and I have no income. I also explained I am not trying to avoid paying them, I just have  XXXX  income at this time. I am currently living with family and friends and constantly changing residences.
XXXX has been removing inquires from my report due to error and the reinserting the inquiries without legally notifying me. I have called on several occasions to their customer service number to have them removed via Section 611 of the FCRA about having to be notified within 5 days of any changes to my credit report, but they will not listen to me, even with having a fraud alert placed on my credit report. I would like this matter resolved immediately. The dates are as followed : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX( 2x ) ; XX/XX/XXXXXXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Requested written documentation with my original signature from collection agency by certified mail also informing them that they had 30 days to provide documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX C/O XXXX XXXX Partial Account # XXXX They failed to do so and I submitted a second letter demanding they remove debt from 3 major credit bureaus because they failed to provide requested documentation. Approximately 10 days after the 30 days passed I received a letter from Collection agency with documentation that had a signature not belonging to me and another individuals name not belonging to me. All letter disputes were mailed to credit bureaus. Trans Union did not remove debt but in turn sent me a letter stating the debt was valid. The letter Trans Union mailed to me has incorrect middle initial in my name, which makes me think they have wrong information or incorrect spelling of my name on my credit report. XXXX requesting more information to identify myself. I would like to submit a complaint regarding the signature and validity of this debt not belonging to me.
On  XXXX   XXXX ,  XXXX  I use d my US  Bank  Visa c redit card to donate money for my son ' s fundraiser to   adopt a child. Recen tly ( la st  XXXX   ) m y son decided not to adopt and to have   XXXX   ( who holds donated monies through We  Pay ) retu rn the donations. I am the only donator who has yet to receive my refund. My donation was the most generous amount.    I have had numerous emails with   XXXX    and   with US bank but each claims the other must still have my money. US Bank, who a while back changed my Visa card  to  a Mastercard, cl aims that if the refund was sent to my o ld Visa  acct. number it would have been rejected. Meanwhile I 'm getting emails from   XXXX   promising action on my behalf yet nothing has actually happened. I still have not had my money returned to me.   I have many, many emails from  XXXX  from  XXXX   XXXX ,  XXXX  onward until last week that would reveal how they claim to be advocating for me yet these appear to be no more than empty words.   I am not sure how to email these to you.
XXXX store credit card with XXXX XXXX. 

I have incurred several late fees and interest charges over the past year due to late payments. They do not allow auto pay, thus setting you up to forget payment and incur penalty charges. I have a XXXX yr old mother and had events come up with her that caused some chaos. I have several other general and store credit cards and this in the ONLY one that will not accpet automatic payments.
On XX/XX/XXXX, two unauthorized out-of-state withdrawals were made against our checking account in the amounts of {$2400.00} and {$4200.00}. We noticed that the withdrawals had been made and contacted the bank ( Bank of America ) on XX/XX/XXXX. The bank gave us a {$2400.00} credit while the fraud is being investigated. We were initially told that the investigation would take 10 to 15 days. Further phone conversations pushed this window to 15 to 20 business days, then to 20 to 30 business days, and then to 30 to 60 business days. We are approaching the 60th business day and still have not been contacted by the bank and still do not have credit for the {$4200.00} transaction.
I disputed Tax Liens with XXXX and Equifax that do not meet the XXXX reporting standards, as these liens have redacted my social security number and do not show my date of birth ( see attached )
Hello, I keep receiving phone calls and letters from Ditech financial for me to pay a loan I never obtained with them and they do not stop harrassing me.
I sent a previous dispute, but the response does not make sense. See XXXX. 
I am a vicitim of ID Theft. Federal Regulations and state laws allow me to have a Security Freeze placed on my credit file, if I provide the proper documents to the credit bureaus to place the freeze. I am sending the complaint because I sent proof of being a victim and all my documents to Experian to freeze my credit and they have failed to place a freeze. With failing to honor my request, they have left my credit open to new liabilities and fraudulent acccounts. The response I received last was that the information I provided was not complete enough in my complaint. However, I was very specific about dates I mailed documents and what was mailed. I should not have to contact Experian for a third time. My experience was that I called them and they tried to sell me a freeze or other monitoring services. I understand that this is very common practice after consulting with my insurance company and their famililarity with credit bureau practices.
Diversified consultants is reporting they harmful listing on my credit reports for a debt I do not owe. I disputed the debt with the credit bureau but they still still are reporting a debt that I know nothing of. I also realize that the debt they are reporting has not been validated and that it is a violation of the FDCPA and FCRA to collect and report debt that has not been validated. They have not and can not provide a contract signed by me taking ownership of the said debt or itemized bill showing how the charges came about. I will not pay these people that I do n't even know for a debt I do n't even owe
Transfer union reinserted previously deleted information. 
There was glitch in their system that violated the rights of consumer under section 6,11.As a result, I have been affected and my score is suffering.no notice was given.I am requesting all inquires be removed
This is about a complaint i loged against the company XXXX XXXX XXXX with the cfpb on XX/XX/XXXX for triying to garnish my wages.the complaint # is XXXX. 
In their response the company indicated That they no longer own the debt and i should contact XXXX XXXX  which is just a debt relief law firm.XXXX XXXX XXXX just send a certified letter to my job place to start garnishing my salary.they actually deceived the cfpb by saiing they transfer the debt to XXXX.the proof is XXXX XXXX XXXX is the plaintif against me ( i will attach the copy of the letter send to my job ) .As i said before why do they asking me to paid {$3800.00} plus interest of XXXX. 
I spoketo someone who said the debt is from XX/XX/XXXX and i can find it on my credit report.please help i makeabout $ XXXX/weekwith a family of XXXX.XXXX XXXX XXXXstill triying to collect with the help of XXXX XXXX XXXX XXXX.thznk you
Every month on the second of each month, Seterus company calls to tell us they want their payment and how do I want to pay. We do owe them money however we have never been late on a payment and every time they call we ask them to stop calling us we are not late on our payment, I then have them verify that and ask them what is my due date and what is the grace period. Due date is XXXX of each month with a 10 grace period. I ask them are you a debt collection company they tell me yes. I tell them again please stop calling me. They continue to call my cell and my husband cell monthly if they do not have their payment on the XXXX of each month. This is a violation.
Prior to my late payments with Bank of America I paid thru mobile app and would transfer money fro checking to credit card payments but one month I pressed bill pay and they decided not to take payment, but it was taken from account. They decided to mail me a paper check for the payment instead of applying it to my account for two months in a row. Once they realized mistake they credited money to me and closed my account which I didnt want. want!! I made the payment and they made a late fee adjustment on XX/XX/XXXX and also XX/XX/XXXX but then on XX/XX/XXXX they returned payment. Why would they make adjustment but not take late payment off???