WillisBack/dataset-financial-user-claim huggingface dataset:
This is the statement I sent to the Collection Company. It sums up the situation ; First of all this case is from XX/XX/XXXX. If. You Alaska Cascade have owned it since XX/XX/XXXX why am I just know hearing from you? 

You have an obligation to attempt to collect on debts. I have request twice from you and or Alaska Cascade to provide if any attempts to collect this debt. But, you are unable to provide any proof. I have NEVER received anything from you regarding this debt and I have had the same mailing address for over 10 years. Nor, has this debt EVER been reported to any of the XXXX collection agencies. I would have like to have been contacted at anytime during the last 9 years so I could have paid this debt. 

You also state that you find it hard to believe I am unaware of this debt since it was part of a XXXX case. Again, this case is almost XXXX years old and I did receive a statement via e-mail from the XXXX County Court stating that this case and the judgment were satisfied in XX/XX/XXXX. So, I am sure you can see my confusion with getting such a statement from the court and for having never been contacted that the debt was valid and Alaska Cascade was looking to resolve the debt. 

With all of this confusion and Alaska Cascades inability to provide any proof that you have ever ethically attempted to collect this debt at any time in the last 9 years I feel it would be fair if I be allowed to pay the debt and have the interest removed. 

Please understand that if we are unable to come to an agreement I will be forced to seek further action on this as I do not feel that you have held up to your obligation as a Creditable collection Company. You can not just sit on a debt and collect interest for almost 9 years and not allow the debtor to make right by what they owe.
After paying my balance in full, my XXXX XXXX Account showed a {$2.00} fee for minimum interest! I couldn't believe it so I called the company to complain and close my account. The telephone customer service line asked why I was calling, then asked for the last four digits of my SSN, which I provided, and then asked me to hold. After 5 minutes of no response I hung up and went through the same process a second time. 

This account was reactivated when I was on vacation in Colorado several months ago. The XXXX 's clerk who " reactivated '' my account rather than have me use XXXX XXXX or XXXX, never explained these fees. While I enjoy my purchases, I feel tricked, and this isn't even XXXX XXXX!
I contacted all three credit bureaus ( XXXX, Equifax, and XXXX  ) regarding unauthorized inquiries conducted by : 1 ) XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX XXXX, 2 ) XXXXXXXX XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX, 3 )  XXXX XXXX on XX/XX/XXXX, 4 ) XXXX XXXX on XX/XX/XXXX, and 5 ) XXXX XXXX   XXXX XXXX on XX/XX/XXXX. I sent written request to have these items removed from credit but was sent a copy of credit report instead. Then I sent a second letter to three bureaus but still no changes on report. Also, I requested proof of authorization but was provided any further information on this request.
Ally Bank Collections called a distant relative that is elderly and left a very long detailed voice message with detailed information that I did not authorize being divulged. This was done as a phishing expedition and caused XXXX on the elderly individual.
I was pulling my credit to looking into buying a home this year and I seen that there was quite a few unauthorized accounts on my Trans Union,  XXXX, XXXX reports. I have not access my credit file since XXXX or XXXX and it seem as if someone use my personal information to access utilities and cable bills. I do not recognize these accounts that are listed on my credit file XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ... I no longer live at the follow addresses I have been the victim of ID Theft so please remove the following address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Your choices to categorize complaints is too narrow. 

Anyways, I am to receive a settlement payment from the XXXX XXXX XXXX, thru a State Settlement. I live in Texas and I would like to sue the company for monies not received but I need the right address.
Navient told me they would n't extend my Administrative Forbearance in regards to my Defense to Repayment application in XXXX correspondence and then another said they would. There is no communication between Navient, FSA, DOE, or any department. It 's conflicting information.
I have a complaint opened, XXXX. I can not update this one so I am submitting another. 

I just got my statement from HSBC. My payment, with ESCROW is XXXX. I submitted a payment of {$1000.00}. They posted a double payment with interest and ESCROW, then extra principle. All extra monies should be applied to PRINCIPLE. HSBC keeps doing this and it is like fighting a brick wall. They produced multiple statements with different balances for the month of XXXX. They are making this very difficult. I do not know if they just do n't know what their doing or they are doing it on purpose to wear me down. 

I am sick and tired of this and would like cfpa to take a harsher stand for me. It has been going on since XXXX of 2016 since the complaint and the ESCROW misdirect has been going on for years that I have been fighting with them. 

I have attached statements, getting 2-3 a month over last 2 months. Different numbers that do not make sense. The most current is a blatant incorrect posting of my extra payment. Also, instead of show 2 entries
Nationstar Mortgage has mis-applied my advance mortgage payments previously. They have done so again, and It is important to me that the funds are applied correctly, as I am retiring. I must check online both XXXX bank and Nationstar ( first and second Mortgages ), or they change the way they apply the extra funds. The agent from another country jhad so much background noise going on, and was unwilling or unable to correct the issue
I have XXXX mortgages on my home that were transferred to Bank of America from Countrywide. I applied and was approved for a modification on my XXXX and was told that the XXXX would follow immediately after. After many single points of contact with B of A and completing an extraordinary amount of paper work I was told I did not qualify any longer because my income is too high. I have tried to speak to all department at B of A that may be able to help me and I get different responses to the same question. I decide to hire an attorney who understands the system better than me. She is getting the same inconsistent response as I was. I told the attorney to make a short pay of offer to B of A. B of A rejected the offer stating that I have n't been denied modification in the last 60 days. B of A wants me to start over again. If I was denied because of income before why would it change now? My attorney requested a copy from the note holder indicating that the offer was rejected. We have been waiting a week with now response from B of A. 
The has been going on since 2009, I have tried diligently to reach some kind of agreement with B of A but the refuse to be upfront with information. After 6 years late fees have accumulated and my credit for the first time has had negative reporting. If the right people from B of A would just communicate with me I 'm sure this can be resolved quickly. Neither my attorney or I have been able to contact the right person. I have lived in my house for 10 years and would like to stay. The value is still considerably less than I owe. 
Thanks
The car was sold at auction without informing me of the location so I could buy it out of auction. Now it is showing on my credit report hindering me to get another car.
This company has done a credit inquiry on me without my permission or knowledge causing a hard click on my credit file effecting my credit report
After trying to resolve this issue numerous times with Equifax. I submitted a CFPB complaint # XXXX. In response to the complaint Equifax stated that the disputed account is not listed on my credit report. That is a lie. I have a attached the copy of dispute results that equifax sent me showing the account listed and saying they " verified '' it. I am not sure how this is possible since I provided them with my forbearance letter from XXXX as well as a credit reference letter from XXXX XXXX stating my account has been 0 days delinquent. Equifax has failed to properly investigate at a consumer request, has not corrected inaccurate information despite being provided proof of the inaccuracy, and they made false claims in an official CFPB complaint. I have again attached my forbearance letter, credit reference letter, and my equifax report providing proof of the inaccurate account. All of these things are violation of the FCRA by Equifax.
A {$500.00} purchase had been disputed with Bloomingdales because of non-receipt. A claim had even been submitted with XXXX, and it had been determined that the product had been lost and the {$500.00} was removed from balance. After over a year- Bloomingdales put it back onto my account, and even after monthly calls of being told that it was NOT my responsibility, and to ignore my statements, they began charging interest and reported negatively to all my credit bureaus. I have communicated with collections, citicard, bloomingdales customer services, supervisors, and they had ALL said to ignore the statements, AND told me they were removing charges and it would NOT affect my credit.
inquires were previously deleted from an agent due to me not authorizing them. I contacted the creditors and they told me to contact the Credit Bureau which i did and they added back without any notification to me and I tried resolving the issue with Experian with no success. I sent letter and letters of the laws to Experian USPS certified mail about this matter i have not heard anything.
I have contacted Discover Card several times about this matter, Discover is reporting 30 day late on XX/XX/2017 on my credit report which is affect credit score and I have had this secured card of XXXX and the reason why was I was in hosptial and after I had spoken to a rep and the rep advised me to sign up for automatic draft of the payment every month and I have had the automatic draft of payment for a couple of years now I should have by now been graudated from a secured card to a unsecured card but Discover had not done that at all.Not happy with the Discover Card company
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT XXXX XXXX ACCOUNT # XXXX AND INACCURATE LATE PAYMENT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Navient h as a 90 day late payment on my credit report that should not be there. I had contacted them several times about deferring my loan, which I was told happened in  XXXX  of  2016.  I now see a 90 day late payment from time frame  XXXX   2016    to  XXXX     2016.   This is effecting my credit by about  XXXX  points, keeping me from buying a home.
Complaint # XXXX, has errors please accept this as correct and updated request. This letter and request is one of numerous attempts since XX/XX/XXXX, to obtain status on payments from XX/XX/XXXX through XX/XX/XXXX, specifics dates and checks numbers are detailed below. 

I received a letter from State Farm Bank dated XX/XX/XXXX, acknowledging my letter dated XX/XX/XXXX, and stated my request would take longer and an additional 15 days would be needed. No correspondence has since been received. State Farm Bank, has continued to delay or state more time is needed to address my simple request and those of XXXX XXXX, XXXX. 

My requests are simple : Status of the checks listed below in a readable and understandable format. State Farm responded to a prior dispute CFP # XXXX, with confusing and illegible responses which required research to determine what they were referring to. State Farm stated : {$2400.00} was returned to me and a check for {$6500.00} was sent to me. I verified with my bank no deposits in that amount have been recorded. No check number was provided by State Farm for more detailed research and is requested at this time. 

In addition, to the very simple status of the checks below in a legible and understandable format I also request details and status of the payment of {$2400.00} and {$6500.00}. I again, request the Credit Bureau require State Farm Bank to respond promptly and with readable and legible response. 

Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$2400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1700.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$4800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount, {$2800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount, {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$570.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$570.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$620.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1100.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$600.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$600.00}
I have an XXXX XXXX XXXX account on my report. i have submitted the correct paperwork provided by the XXXX XXXX XXXX. this account was fraud and should not be posted on my account.
I requested XXXX XXXX via XXXX that PMI be cancelled on my loan on XXXX XXXX, 2015, by letter, and again on XXXX XXXX, 2015, via website. The reply implied that in 10 business days, there would be a response. On XXXX XXXX, I again contacted the lender through its website stating that I had not had a response at all. I still have not had a response.
I have reported to this company that they have my information mixed with someone else. I have sent over proof identity theft to this company. This company has removed their name from my XXXX   account after I disputed with them through XXXX, and left the fraudulent reports on my XXXX and Experian accounts. I am willing to file a lawsuit against this company! I want to be treated equally as all Americans. I lost my father and Im trying to get his house thats up for sale done its been repossessed. This company is blocking me from my right to fair credit reporting. Ive spoken to a lady name XXXX who was rude on the phone saying you people always want to complain and she hung up! Ive never been treated like this in my life. Please have this company remove the fraudulent report from my credit report and charge whom ever you have an account with. Im at a lost for word with this bank. I will file a lawsuit against them and if Im not able to get the house that my father had, they better be willing to pay for my Discrimination Attorney!
My loan application at Quicken Loans was denied. I have great credit ( XXXX credit score of XXXX ), had plenty of liquid funds on hand to close on the loan, and my DTI ratio was well below the standard for sound underwriting. 

While I was loan shopping, I asked Quicken to provide me with a Cost Estimate so that I could do a comparison of closing costs/rates for various lenders. They had sent me a mailer that stated that if they were unable to match the lowest rate that I found, that they would give me {$2500.00}. When I asked for the Cost Estimate, I was told that they could n't provide me XXXX unless they got something ( I forget what that something is, but it was captured in the chat communication ). I advised the loan officer that according to the CFPB, I only needed to provide the XXXX key pieces of information which I had already supplied. The Loan Estimate was provided on XXXX at XXXX and my loan was subsequently denied at XXXX. The reason provided for denying my loan application was " due to too many inquiries ''. However, a quick check of my credit would have revealed that the inquiries were all related to me starting the mortgage shopping process. 

This leads me to believe that Quicken did n't want to stand by the {$2500.00} offer that they had provided in the mailer. I prefer believing in that than over the alternative, which is that I was denied the loan because of my race which is pretty obvious by my name.
The company just stated their online statement about the fee. Which is : Online - Gift Ticket Orders ( {$18.00} non-refundable Gift Ticket fee applies XXXX Gift Ticket Orders ( GTO ) let you buy tickets online using your credit card for another person. 

Gift Ticket Orders ( XXXX XXXX XXXX non-refundable {$18.00} Gift Ticket fee will be applied at the time of purchase. This fee is per transaction, not per ticket, so it 's the same no matter how many tickets you buy. The tickets can be printed at home or picked up at the bus station theyll be traveling from. GTOs are only applicable at XXXX XXXX locations. 

To pick up their tickets at the station, the person traveling will need to provide : XXXX ID or password chosen by the person purchasing the ticket Confirmation Number At the station- Prepaid Ticket Orders ( {$18.00} non-refundable Prepaid Ticket fee applies ) Prepaid Ticket Orders ( PTO ) let you buy tickets at a Greyhound bus station to be picked up by another person.
They continually call me when a payment is a day or XXXX past the payment date. They never send me statements, so I am not updated continuously on my payment due dates. I missed a payment by a few days last time and they called me continually throughout the day and left voicemails while I was busy at work. They announce it as debt collection when they call and not at the company I have the credit card through which is confusing and misleading. Likewise they have begun to charge me interest when it says I am interest free until XXXX, which is a whole separate issue. The people calling record every conversation and have heard me state that I do not receive statements in the mail or electronically via email, so my due dates are continuously a problem.
I called Debt Recovery Solutions XX/XX/XXXX to request validation of a collection that showed up on all 3 of my credit reports. Debt Recovery Solutions reported on all 3 credit reports that I owe {$160.00}. I 'm requesting that Debt Recovery Solutions remove this collection of my credit. The validation that they provided showed that I had a diagnosis code of XXXX ( XXXX XXXX ) and a 6 digit CPT code XXXX and that I owe {$160.00}. I 'm not sure where they received this information, however my emergency room visit for Date of Service of XX/XX/XXXX was n't XXXX XXXX and I do not owe the amount the stated. I 'm asking that this company remove my collection from my credit report immediately. I reviewed my medical record and billing statement with XXXX hospital which shows that Debt Recovery has somehow managed to provide me with incorrect information after I asked for validation.
I have had a credit card with Target since XXXX I have been late XXXX time since XXXX which was XXXX XXXX. I called on XXXX to say I would be late and that I would make my payment on XXXX because my credit is very valuable to me. 

I called to make my payment on XXXX ( The payment was due XXXX ) and to ask that the late fee be removed as a courtesy since I 've had an account since XXXX and had never been late. 
I found out that yes, they would remove the late fee but I have been over my credit limit by over {$1000.00} since XXXX XXXX and they have been reporting that to the credit bureau. I asked how I could I be over my limit and still be able to use the card? I was informed that the company allows good customers to go over the limit!! I told them I had NEVER heard of such a practice and I am furious that I was allowed to go over and was being reported. I was under the impression that I received a credit line increase in order for me to use my card. Had I known that I was over my limit and being reported I would not have gone over my limit. Again, I 've been a member in excellent standing since XXXX and did not think anything like this was possible.
In summary, I was approved for a Deed in Lieu by both Nationstar and XXXX XXXX in XXXX, XX/XX/XXXX. The only item to be cleared was my second mortgage which had gone to collections and was taken over by XXXX XXXX XXXX. Working with Nationstar, XXXX XXXX and XXXX XXXX XXXX, they agreed to settle my account and release my lien upon receipt of payment of {$6000.00}. I was also approved for a Cash for Keys program in the amount of {$3000.00}. On XXXX XXXX, a check was cut out of my account and forward to XXXX XXXX XXXX. Nationstar DID NOT put any remittance advice with my check, and when XXXX XXXX called Nationstar and asked them the account the funds were for, THEY GAVE THEM THE WRONG ACCOUNT. ( Please see attached copy of the check, that IS NOT MY ACCOUNT INFORMATION. ) All Nationstar had to do was to request that XXXX XXXX Solutions Reapply the funds sent to my account. They never did!! For months, I went back and forth with the account representative that I was assigned, XXXX XXXX, who last told me via email on XXXX XXXX, " Good Morning XXXX, I apologize for the long delay, but I have not forgotten about you and have been diligently working on your case. We have provided all the informitao necessary to the second lienholder with explicit instructions on how to fix these items. I will follow up with them today and see where we are out. Thanks ''. 

I called XXXX XXXX XXXX, and my case worker there named XXXX XXXX who in turn told me they received nothing from Nationstar as far as instructions!! 

At this point, I am totally distraught. My situation is what it is due to nasty separation / divorce. I had to agree to a date to go back in my house for our settlement, remove all my items, hire a moving company that I paid close to {$1000.00} for, had to rent a storage unit that I paid way over {$200.00} a month for, threw away many valuable items as we had promised Nationstar that the house would be Vacant and in broom swept condition by XX/XX/XXXX. 

I have tried many many times to contact Nationstar. There are occasions that someone will respond, and then I get told that my situation is important, they take my matter seriously, even after I filed a complaint with the XXXX. On XX/XX/XXXX I received a phone call from customer service saying that once again be reviewed. I received a letter in the mail, again, stating that I will have a response by XX/XX/XXXX. It is now XX/XX/XXXX - I have heard nothing. This situation has caused me so much XXXX, I do n't understand how a company could treat any of their customers, the way they have treated me.
After going over my credit report from Equifax, I noticed that there was an additional closed credit card account. I only have XXXX credit card from XXXX XXXX XXXX, which is in good standing, so I automatically knew that this credit card was n't mine and as further proof, the status lists the CONSUMER as DECEASED since XX/XX/XXXX. This mishap should n't have happened because something like this should be automatically flagged by their operating system, especially since this occurred 4 years ago. Additionally all the end dates, listed under the " address information '' section of the credit report all conflict with each other. All XXXX apartments report that i left XXXX of them on XX/XX/XXXX and the last XXXX I left on XX/XX/XXXX. Also since the move in dates are accurate it appears that I have been living in XXXX separate apart 's concurrently. Its ridiculous and it could cause me future problems, potentially when I try to rent or buy a place of my own and it should be corrected or removed immediately by them.