WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, I spoke to a rep at your office this morning ( XXXX XXXX ). He was unwilling to work with me on my debt even after I offered to make payments on my account. He told me if I did n't pay off the account within XXXX days he would report it on my credit bureau. I explained my personal situation to him and he was unphased by it. it was the bottom line or nothing. In my research online I read that many collections agencies by debt for pennies on the dollar and have the ability to work with people to come to an arrangement to benefit all. This person was unwilling to do so. I have filed a complaint with the FTC and CFPB. There has to be someone out there to protect consumers from this type of bullying. I can argue all day long how the medical group handled this situation and how I even got to collections in the first place but that is neither here nor there. I do question the validity of this debt and claim. I am XXXX positive and this is very stressful. I live day to day and try to make ends meet. Consider this my notification to your office. 



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As a potential customer at Conn 's HomePlus store ( Located in XXXX XXXX Texas at : XXXX XXXX ; XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX ), I was shopping for a new fridge. We were interested in the " in-store '' credit that was going to allow 12 months of interest-free financing. I was very clear that I did not want, nor would I apply for, a credit card. We were still deciding about which fridge to buy, so we decided to continue the process another day. 

I was contacted ( with my permission ) via phone by the sales associate who had been helping us. I was re-assured that there was no way I would be applying for a credit card " because that HAS to be done in person, '' and that we were simply applying for the in-store credit with Conn 's. 

I received a credit card in the mail from Conn 's a couple of weeks later.
My hardship begain back in 2008. Over the past few years it has been a very difficult struggle.Due to these circumstances ; I 'm now on a fixed income. As a result of me now being on this fixed income I have no savings and all of my bills are now deliquest with the exception of my mortgage. I 'm so afraid to llose my home. My XXXX income is only {$XXXX}. My monthly mortgage payment is {$1400.00} and from that amt., only {$170.00} is being applied towards the principal. Without assistnace from my family member 's I would not be able to save my home. The Lender has denied the loan. I trulu need assistance. I have no place to go at this point in my life.
Me and my beau had a terrible experience with Nationstar in the approximate timeframe of XXXX until we were forced to sell our home sooner than we wanted to as they kept " losing '' our paperwork to submit for a refi on our loan with them ... We were so busy working and not in a position to hire a lawyer back then however I do wish we had contacted our State and US Attorney Generals to investigate the aggressive and unusual tactics/experience we had with Nationstar back in XXXX. This was after the mortgage crisis and it appears that this company was looking to keep " customers '' at a higher mortgage interest rate and making it nearly impossible to refi at a lower and more fair mortgage payment rate. Unfortunately we did have to sell our home sooner than we had wanted and with the market changes that happened shortly after we sold out, a major increase of real estate, we could not hold out for that extra year or two to delay selling where we could make the market value/sale on our home as we were looking to do. Not to mention, it felt like we were dealing with a company, Nationstar, that was acting in what could have been termed criminal ways ( based on complaints and lawsuits that have come out in more recent years since we sold our home in XXXX, Or, at the start of XXXX. Me and my beau also noticed that mortgage companies were buying and selling loans aggressively -- to the point that it seemed obvious something was going on near and after XXXX. Nationstar seemed to be partaking in this kind of buying and selling of loans as well. Very concerning and questionable tactics of business and ways of " servicing '' customers. Now that we have read recent articles and more complaints about Nationstar in the past few years, it seems beyond clear that we were defrauded and disallowed to apply and receive a modified mortgage loan that we were eligible for back in XXXX.
After an unsuccessful foreclosure mediation which resulted in Certificate to foreclose was issued ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively ) we requested a review and approval of a loan modification. From the original modification request, we have submitted the lender 's documentation request always in a timely manner. The lack of communincation with our lender negotiator caused the documentation we submitted each time to go stale and cause the lender to request the same information over and over again as if the underwriter never received what we submited or received it later than we provided it. Now we are faced with Foreclosure Sale Date on XX/XX/XXXX. We have submitted a new modificationm request and when we contact the lender for a confirmation of the documents it is confirm the documents are in review then we call the next day and something else is requested. All of which was already provided. Since we are still receiving the inconsistencies that we dealt with for the past year, we feel very worried that the loan modication package review will not be given the allotted time needed to request a postponement. As such we are reaching out the you in the hopes that our file will be reviewed in enough time to request the postponement. Through the whole year that we have gone back and forth with the lender and the documentation request process not once were we declined the mod due to the financial/hardship status, etc it was because of documents not received on time which baffles us. It seems that all of the documentation request we received advising a decision should be made in 5-10 business days or 7-20 business days ( info stated in document confirmation letters received from lender ) that after a year worth of this back and for we would have had a decision by now which would have not led us to our home risking a foreclosure.m
I contacted the GC servies, credit bureaus, and the BBB trying to get this collection agency to remove this debt from XXXX XXXX from my credit file. GC services continues to report / verify this debt even though there is not signed contract with either XXXX XXXX nor GC services. GC services continues to allege that billing statements verify this debt. GC services has yet to produce any document that displays my signature on it indicating a contract with either XXXX XXXX or GC services. I am not liable for this debt. I have no knowledge of this debt. I request that this debt be removed from my credit file in order to resolve this matter.
good afternoon, I'm requesting assistance in the matter of myself and XXXX XXXX. I'm in the process of paying off my mortgage with them, and I've gotten down to the final payment due XX/XX/XXXX. I called them on XX/XX/XXXX to get the final amount due. upon speaking with them I was told that a letter would be sent within the week with the details and payoff info. today makes three weeks since with no response. I've not received a statement also. they took XXXX on XX/XX/XXXX, and I presumed a final payment.i called today and spoke with aaaa person who states that the payment was in suspension, and not applied to my account. this person states that a letter was sent the day I spoke with the first person, and he probably didn't know it was sent at that time.she then states that a second letter was sent on XX/XX/XXXX.i haven't received any letters from them. I've read reviews about planet mortgage and I feel that they're not honest. now they want me to send a certified check ( as if i'm not honest ) to them for XXXX to payoff my account. on XX/XX/XXXX the principal balance was XXXX. I was requesting the total amount to send to cover the difference.now I've called them twice regarding this matter and getting the run-a-round. as I stated to the " person '', this is XXXX! thank you in advance!
An account from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in the amount of {$570.00} was deleted from my credit report in XX/XX/XXXX due to lack of validation. However, the account was added back to my credit report on XXXX XXXX, 2017. Despite constantly disputing this debt with Experian, the debt still remains on my account. Per the Fair Credit Reporting Act, I was not alerted within five days ( or at all ) that the debt would be added to my credit report and I have yet to receive correspondence validating the debt or a copy of the original debt with my signature.
For years, ever since I was able to consolidate my federal student loan, I have been trying to get the same done at Navient. Any time I call I get bounced around until I eventually hang up because they dance around my question. I have XXXX accounts with Navient, with 10.25 %, 7.625 % and the last at 2.875 % interest rates. XXXX of those are exhorbident and I 've tried to do everything but they 're just not helpful. I get the " oh we do n't do that '' but I know full and well that they do. I 've tried to ask about loan forgiveness and got the same response. Navient is only looking to help itself, not all of us in piles of debt for pursuing a greater education. I 'm the XXXX to graduate college.
After receiving several bids for a new furnace, we signed a contract with XXXX in large part because of their promise of a 0 % interest loan for 12 months. When installation was finally completed in XXXX 2015, electronic completion forms were signed in our yard but we have yet to receive electronic or paper copies of the forms. Shortly after, we started getting calls from a bank we had never heard of, Synchrony, saying we were late on our credit card payment. When we finally reached a person, they explained that they were servicing the furnace debt. We had not received anything in the mail from them or had any prior contact. On XXXX XXXX, 2015 we received our first mailing from Synchrony with statements that detailed a {$29.00} activation fee, {$25.00} late fee and {$55.00} in interest ( 9.99 % rate ). We receive 0 % interest offers from credit cards almost daily and never would have agreed to a new credit card with activation fees and 9.99 % interest. Our XXXX representative says there is nothing he can do to rectify the situation.
I XXXX for a company called XXXX XXXX. I received an email from a person calling herself XXXX XXXX, stating that her boss wanted her to make an order with the company. She asked what the total would be, and I told her {$320.00}. She said that a check would be in the mail for me and that she would let me know when it was shipped. On Wednesday, XX/XX/XXXX, I received the check, but it was in the amount of {$2200.00}. I was told by XXXX that her boss had accidentally sent me the total for XXXX 's paycheck instead of just the amount for the order. She wanted me to deposit the check, make the order, and then send her the remainder of the money for her to take care of her bills, kids, and mother. I deposited the check that same day. The amount of the check showed up in my transactions, but had n't shown up in my balance until Saturday. That indicated to me that the funds were available and the check had cleared, so made the online order and then I sent the rest to her. Yesterday,XX/XX/XXXX, I noticed the check had bounced. I spoke with the bank about it immediately and they did n't refer me to the fraud department initially. The lady I spoke with told me that there was nothing they could do, and to contact Wal-mart and the police department. I called today and spoke with the fraud department, and I was told that there is a difference between funds availability and the check clearing. Today, I also drove an hour to the Navy Federal branch, where I posed the question " how would I distinguish funds availability from a check clearing '', and I was met with a response of " the account would not look any different in either instance ''. What I 'm left not understanding is why were the funds shown available if the funds were not truly available? I was also told at the branch today that the funds were shown available because the bank trusted that I knew where the check had come from based on my relationship with the bank. Ultimately, it seems that the bank was just as trusting in me as I was in the person who sent this check asking for products specifically from the company for which I XX/XX/XXXX, so why am I the one being held liable for this negative account balance?
My account with Equifax was hacked and my personal information was exposed. I signed up with Equifax for their Credit Monitoring service. I requested that my account be locked. 

I later tried to unlock the report on line, so that I could apply for internet/telephone service for my home. When I tried to log in, I was told that my password was no longer valid. They had a feature to reset my password. I asked them to do that, but they never sent me the link to reset it. 

None of their telephone numbers connect to a live person, so I can not explain the problem. 

My credit report is now frozen and because they will not send the password reset, I can not complete my consumer transaction. The telephone company only uses the Equifax report.
Just received a capital one venture card a week ago, promotion was spend {$5000.00} within 3 months and receive miles bonus. I made this card my primary card for all the purchases. Out of {$15000.00} limit {$1200.00} was used within a week ( due to XXXX shopping mostly ). Today got an email that they closed my account because I did not meet their spending expectations. No other reasons, no details. Nothing. I have an excellent credit score, own a house, have a well paid job. Never had an experience like this.
They took over a mortgage from my current bank. I attempted to keep my interest and payments low. I did not want a payment over XXXX like I have had before with original bank. They manipulated my account to where I was forced to pay XXXX a month in mortgage. Much higher then I agreed to pay originally.
I have been harassed for over 5 years and it will not stop by the Mortgage Co. ( Ocwen ) with phone calls from people in another country when my loan is not late and has not been late in over 5 years. I have submitted several letters telling them to stop and advised over the phone to stop calling me. I got sick and had XXXX in XXXX XXXX and several months prior I had I applied for a loan medication thru another Company ( XXXX XXXX ), Ocwen refused to modify my loan and started calling me and sending me mail to send the same information over and over again. When the information was sent they would call me at home and request the same info again and would not stop. I would give the information the XXXX and they would forward it to Ocwen and they would continue to call me. I had advised them to stop calling me and to contact the Company I applied for the modification with. I showed proof of my Social Security statement and was told they wanted proof when my check was cashed or deposited because people lie and have saving account. I had XXXX and they started calling me right after I got out of the hospital for the same information all over again, I told the caller ( someone from another country ) do not call my house and I could not talk and to contact the Company I applied for the modification with and do not contact me again. They would not stop until I faxed a letter to them to stop. I have several copies of letters asking them to stop calling me from another country, I can not understand them. My Mortgage is not late and I just received a letter from Ocwen advising me my mortgage payment will be increased effective XXXX XXXX, XXXX. I refused all contact with them after I has XXXX and faxed the letter in XXXX XXXX to advise them it does not take a year to modify a loan and I plan to file a Law Suite against them. I received a letter on XXXX XXXX, XXXX to increase the mortgage payment with the same interest rate as before. I have not talked to or contacted anyone at Ocwen or the XXXX XXXX XXXX since I faxed the letter.
I applied and recived an American Express Platinum card on XX/XX/18 with a XXXX membership rewards with $ XXXX spending in 3 months promotional offer. I thought I had completed the spending requirments on XX/XX/18 when the bonus points posted to my account. In XXXX I receved a letter from american express dated the day my 3 month promotion period was over ( XX/XX/18 ) saying that I didn't meet the requirments and that they are taking back the bonuse points. I called american express on XX/XX/18 when I got the letter after getting my mail from being on vacation and was told that because a company did a refund during my 3 month period so I didn't meet the requirments. I asked why I was not informed when this happened which I belive happened around mid-XXXX so I could make up the spending, and was told that they don't work in billing so they don't know.I also asked if there was a way to make up for it because I was not informed about it when it happened and that I will not be eligible for an offer on this card again in my lifetime, and was told that once the 92 days are up there is nothing that can be done.
Equifax CONTINUOUSLY has computing, communication, telephonic and website programming/coding issues that not only keeps REINSERTING accounts that have been previously identified as identity theft AND previously deleted in XX/XX/XXXX and XX/XX/XXXX. I have notified Equifax of this and, per the FCRA, these reinsertions are  supposed to be IMMEDIATELY deleted and removed.

1. ) I WAS NOT notified by letter of the reinsertions ; 2. ) The tradelines were previously deleted, so they should not be reactivated ; 3. ) Equifax must comply with the FCRA IMMEDIATELY and delete the reinsertions.

... but what is disgusting and so ridiculously transparent is the fact that : a. ) Equifax WILL NOT follow proper rules as established by the FCRA and, instead of deleting the reinsertions, they open a regular 30-day investigation, which is incorrect, b. ) Equifax continuously and randomly changes their fax number, phone numbers and closes down the XXXX XXXX for communication WITHOUT notice, and c. ) When I attempt to review the dispute results, the system can't find me using MY OWN information EXACTLY as it appears on the reports available to me in my online credit monitoring product PROVIDED BY EQUIFAX.

I am really sick of the games at this point, You know XXXX well who I am and my details that I provide match the details in my profile. STOP hiding, STOP looking for excuses to not comply with the FCRA, STOP keeping my investigation results from me, STOP improperly handling my disputes, STOP MISSPELLING MY NAME and just STOP STOP STOP all of the illegal and purposely deceptive games you keep playing.
I took out a line of credit loan back in XXXX the loan was for 20 years. for the first 10 years which ended in XXXX my payment was {$760.00}. without any warning my payment went to over {$2800.00} starting in XXXX. I could not make such a large payment and continued to make a {$760.00} payment per month to this date. the bank is threating forcloseure if all arrears are not paid by XXXX. I have applied for a loan modification and waiting to hear about that. my first mortgage is nearly paid off. I have lived here 25 years and need help.
I was not properly notified of a debt that I am willing to pay. I never was mailed a bill or able to settle my account which I would have willingly done. This only came to my attention when the debt hit my credit report, 9 months after the collection agency reported they received it. The company stated it was illegal to deletethe account according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act.
My Credit report is stating that I have 2 vehicle auto loans when I only have one auto loan for XXXX per month with a 2012 XXXX XXXX XXXX.
XX/XX/XXXX, we submitted a complaint to the CFPB regarding our private loans from Navient ( # XXXX ). My husband is a former XXXX XXXX student and graduated XX/XX/XXXX. There is serious doubt as to whether he took these loans out. Shortly after the most recent complaint, we discovered our college advantage loans were at a XXXX balance. My husband called Navient to discover what was going on and was told they were on a forbearance, although they could not say why. On XX/XX/XXXX, we checked the balance of our private student loans to see where we stood in regards to balance. Again, that balance was XXXX. From XX/XX/XXXX-XX/XX/XXXX, we have received calls from Navient asking for payment on these loans. At this writing, Navient is being sued by your bureau for deception and fraudulent practices. Since XX/XX/XXXX, we have paid almost $ XXXX on these private loans. We still owe over {$39000.00} on them. My husband works XXXX jobs and I work alongside him to meet these obligations. We feel he has more than paid for his subpar degree and due to Navient 's deception, we are firm in not giving them anymore of our hard earned money.
on  XXXX    XXXX   a young lady by the name of   XXXX   called my phone and stated that she could call my phone whenever she liked for people i do n't know, i asked her not to call and she said it does n't matter i will be putting it on her report, and i said i do n't know  XXXX   XXXX  and she say come on now yes you do, well it took me a while top figure out what company this was, so now i feel like she threaten someone she shouldn ' ; t have call
I placed a freeze on all three reporting agencies. XXXX and XXXX asked me questions to verify identity then freeze was lifted. Transunion REFUSES to lift freeze. They said they are unable to kid the freeze because they can not generate questions from report. I just need Transunion to lift freeze