WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX  Virtuoso Sourcing Group   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CO   XXXX   RE : Collection Notice, Creditor :   XXXX   XXXX   Client Ref # :  XXXX  Acct. # :   XXXX     XXXX   : I received the attached collection notice in reference to the aforementioned account, dated  XX/XX/XXXX , on Friday,  XX/XX/XXXX .
I am contesting/disputing the balance due - as stated in your correspondence ( {$570.00} ) ; instead, I am offering to pay one-half of the amount stated which would be {$280.00}. My reasons are as follows : 1. I had b een a loyal  XXXX  customer since  XXXX , 15 years while residing in  XXXX ,   XXXX   and the remainder of that period while in  XXXX ,   XXXX   XXXX  . 2. My service at   XXXX   XXXX   XXXX   XXXX   w as canceled in  XX/XX/XXXX , only after I moved and new location did not require continuation of a monitored alarm system.
3. In XX/XX/XXXX , I paid  XXXX  {$1300.00} for a full system installation at my   XXXX   address. This, after having service with  XXXX  for 15 years in  XXXX  and  XXXX   XXXX .
4. I considered using  XXXX  again, after I moved in  XXXX  of this year at my new address ; however, the quote I received was in excess of {$1400.00}. I felt this was quite excessive, since just two years prior ; I had paid over {$1300.00} for an upgraded system.
In summary, to have been a loyal customer of  XXXX  for more than 20 years, and to be asked to pay more than {$1300.00} within two years, is quite excessive and shows little consideration for my prior years as a customer. Because of the aforementioned facts, I am asking  XXXX  to courteously accept my offer of a final payment of {$280.00}.
Finally, I would trust that no adverse action would be reported against my credit report until this matter is resolved.
( Over ) Virtuoso Sourcing Group   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CO   XXXX    XX/XX/XXXX ( Cont. ) Sincerely,   XXXX   XXXX   XXXX
Used the PayPal interest free for 6 months option. I paid my balance in full on the purchase I used it for within the 6 month promotion. I have gotten XXXX statements on the interest and late fees that were incurred during the 6 month promotion. I am now in collections for the fees and late payments that should have never been applied according to the promotion of 6 months deferred payment with no interest. 
There is already a lawsuit settled from PayPal regarding this exact issue and the customer service representatives will not correct problem.
My Direct Student loan was aquired by Navient. I have been paying Navient faithfully twice a month. I have been unable to receive a statement from Navient, my interest rate has increased inexplicably from 5.62 to 6.5 % in the last three months, and I have been turned down twice for loan forgiveness ( I am in my 17th year as a XXXX XXXX XXXX. ) My balanced has increased in the last 3 months despite me making 6 payments. A rep from Navient told me that my loans COULD be forgiven in 10 years if I pay them {$690.00}. I would then be done with Navient and I would pay Direct Loans {$150.00} for 10 years. After that the remaining balance would be forgiven. A different Navient rep an hour later gave me a different scenario. And 3 months ago, a Navient rep said that I didn't qualify. 

I need a more they statement from Navient tracking my payments, stating my interest rate and keeping a running balance. Can you help?
We have had a fixed mortg age with Wells Fargo for years. We are paying 6.7 5 % interest and approximately {$2300.00} per month. My wife has been sick and totally  XXXX  since  XXXX . Our savings were wiped out in the  XXXX  financial crisis. We have approximately {$150000.00} dollars in equity in our home but hav e two liens for medical bills totally about {$20000.00}. We have been turned down for refinance 2-3 times by Wells Fargo because we are a bad credit risk, yet we have never missed a mortgage payment. If we were not being charged an extremely high rate we could be apply those funds to other bills and be in a much better position. This rate seems abusive and unfair. Seems as if Wells Fargo is intent on keeping us at this high rate until we are force to sell our home, which we do no t want to do.
A company called XXXX XXXX keeps calling " No Caller ID '' but once left a number of XXXX, the cuss at me and per the voicemail states " This XXXX is over '' and keep using false names such as a sheriff, a detective and the same lady keeps calling changing her name. The first time she used XXXX XXXX. She keeps stating she is picking up for warrants and I have no warrants. She states she will be at my house within the hour and they do n't show. Her scare tactics are very uncomfortable that she is acting as a legal community servant. I am contacting a lawyer to try and stop the harassment. They have also called my job which I am not sure how they got the number and release information about this matter to coworkers about my financial debt. They have not mailed me anything or emailed me documentation but still call every other day harassing me as well as my mothers cell phone.
Equifax originally reported a judgment in XXXX, the statute for reporting expired in XXXX. The original creditor filed a replevin to extend the statue of limitation for collection. The XXXX XXXX Courthouse information is automated and it is stored in there database. Equifax apparently has a system which automatically retrieves this data ; however, this date was for collection only and the information itself is a replication of information reported between XXXX and XXXX ( the statute for reporting has expired ). I notified Equifax and resolve no resolution. I filed a complaint with the XXXX ( XXXX ), still they refused to comply. I requested my attorney to send a kind letter requesting them to comply prior to my need to file a formal law suit in which I will be seeking damages as a result of being turned down for credit. I spoke with XXXX in the Consumer Affairs Department at Equifax on XXXX XXXX. He assured the matter would be taken care of by Tuesday XXXX XXXX. I followed up today, with a person who alleged that his name was XXXX. XXXX stated that there was no supervisor beyond him to speak with and that his department did not have the ability to remove the entry. He went on to say that XXXX had initiated a dispute ( which I informed XXXX not to do as this had been done with no results ). When I asked who I should I contact with authority. He lied and stated that no one else had authority. After I called him on his contradicting information. He stated he could not tell me who had authority. This is insane. If you have had 4 other complaints, I would like to get in contact with those individuals and initiate a Class-Action lawsuit. I hate to have to do that ; however, the company has hired employees who think they can tell consumers anything and that we will go away. I will not go away. Please investigate this company and assist with resolution if at all possible. Thank you kindly. Email : XXXX
This complaint is to inform CFPB of the unfair and cruel way that my mortgage company have been treating me since the year XXXX when I started to have problems paying my mortgage due to hardship. At the end of XXXX, my husband divorced me which change the household income from around {$85000.00} a year to around {$20000.00} a year making it very difficult for me to make ends meet considering that I was a single mother of XXXX children with no help what so ever. This is when I reached out to my mortgage company asking for help with my mortgage. I placed numerous calls to them and I even applied XXXX times for a mortgage modification in which I was declined both times. Since then I have continued to ask for their help only to have them decline me of any available services and/or any assistance that they could have provided me with. Instead of helping me, they wanted to foreclose on my home. Then I managed to bring my mortgage payments up to date, however, they refuse to send me monthly statements since XXXX of XXXX leaving me with not knowing how my payments are being applied to my account, what are the extra charges that they are applying to my account, what my mortgage balance is and what are my official monthly payments. This has caused extreme stress on me!
I have had XXXX separate issues regarding late payments and dealings with debt collectors. There is clearly an issue of : ( a ) the medical industry lacking an earnest attempt to contact the debtor and ( b ) the debt collection agencies, at minimum, falsifying information in order to garner higher payments. On XXXX XXXX 2017 Profit Services Group ( " PSG '' ), their number being XXXX XXXX XXXX XXXX, contacted me telling me I owe XXXX. When attempting to get clarification on what the bill was for, and possible alternative routes in making payments, I was met with misinformation and hostility. PSG failed to tell me I have the ability to pay the medical services directly, not through PSG. I was told the office in which sent my bill to collections would not accept my payment and they would reroute me back to collections - this is false and on purpose. Reason for it being false, and what I feel to be at minimum unethical, is multifaceted. Collection agencies first make these calls and in their voicemails fail to disclose what the reason for the phone call is. In modern times with the amount of scams that go on expecting a consumer to call an unknown number back just because they said so is misleading and unreasonable. Due to having this experience before, I did call back thinking it may be another debt collection. After making this call, being proactive, I was told that I have only XXXX methods in which to pay. First, over the phone, which is an additional XXXX dollar charge, or I could send by mail. However, due to PGS 's lack of diligence, the mail option is actually not a real option. By the time I would receive the bill and make a payment it would be too late, and my credit score would be lowered. I decided to do my own research and called around the hospitals. After an hour, I was finally able to reach the group in which I owed the payment directly, Georgia XXXX XXXX ( " XXXX '' ). When I spoke to their billing department, I was told that I could pay them directly, contradicting what PSG told me. I believe the reason they misinform the consumers as to only being able to pay PSG is because they add a charge without telling the consumer. My initial bill owed to the doctor was XXXX - PSG neglected to inform me on this initial surcharge. If I would have followed the debt collectors advice, I would have ended up paying almost a third more than I needed to ( XXXX ). This, in my humble option, in purposely misleading consumers. The hostility towards me, the consumer, in attempting to find the answers to these questions was disappointing at best. After paying the bill directly with XXXX I called XXXX back and told them of the situation. After expressing my discomfort with how they neglected to inform me of my options, stating that they indeed lied to me, I was met with hostility and hung up on. It is hard to accept that this is an acceptable business practice. My bill may be of minimal amount, but I can not imagine the fear and hostility given towards those who do not have the resources I have.
To whom it may concern I would like to make this brief. I have contacted XXXX, XXXX, and TransUnion on several occasions by certified mail, phone call, fax, and online. It seems to me that this is becoming more of a fairy tale joke to you and no one has responded. I contacted each creditor but no one was able to confirm that the fraudulent accounts and inquiries are mine. They havent not yet provided me with any proof of an original document showing my signature. By law with in the FCRA 609 it must me removed immediately. It has been more than 90 days for this investigation and my results were deleted online and Im sure it was done because I called in to mention that I have record and recorded every call, I made copies of all court documents and I definitely had a run in with you guys a few years back to due to lack of providing proof of evidence on how inaccurate information was placed on my report. It seems that this is the same situation. I am fed up and this will result in a court room. I will allow the judge to make the decision because I have had previous problems with you guys.
XXXX ( XXXX ), is attempting to collect on a debt that fell off my credit report several years ago. This debt is over 15 years old, and they 've called me five times this morning. I ca n't get them to send me written verification of this debt, and the credit card account number does n't match the credit card number that I had with XXXX XXXX XXXX.
DATE XX/XX/17 {$750.00} Keep receiving harassing phone calls and have explained multiple times threatening to call my job and other family members! 
Also after further research according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
I had opened a XXXX XXXX checking account I then applied for a XXXX XXXX American express platinum card and I was approved so after a few days XXXX XXXX notified me they closed my account. because I didn't meet their guidelines ( its because i have a medical collection account that isn't mine ) but anyways a few weeks later American express notified me if I didn't open an account they would close my American express card on XX/XX/XXXX ( see attach letter ) I understand I used the card, but to charge me the yearly fee of {$550.00} for a card I only had for a few months is ridiculous especially beacuse american express is forcing me to close the account I feel like American Express is Robbing me charging me the yearly fee and then taking away the card.
I have an inquiry on my credit report from XXXX XXXX that I did not authorize dated XX/XX/2017.
I asked XXXX with IQ Data to remove my company office phone from my file and only contact my personal cell phone or my home number, which he said he would. XXXX keeps calling my office regardless and now I have received a formal warning from my employer about taking personal calls during work hours. If this action continues I will be suspended or terminated from my job. This is harassment and needs to stop. If my employment is terminated I will be seeking legal damages from IQ Data.
On XXXX I received a call on my cell phone from XXXX ( XXXX XXXX ). It was marked SPAM and I ignored the call. At around XXXX XXXX EST, a collector named XXXX XXXX ( sp? ) from XXXX XXXX called my XXXXyear-old son, who is XXXX XXXX, on his cell phone while he was at work and she asked for me. He texted her information to me. I returned a call to the number above and spoke with XXXX XXXX ( sp? ) who explained that they were trying to collect a debt that they bought from Crown Asset Mgt., LLC who had acquired it from XXXX for XXXX . 

On XXXX I sent a certified Cease and Desist letter to XXXX, Their Successors and Assigns. USPS tracking # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX at XXXX XXXX EST to XXXX, XXXX. XXXX XXXX, XXXX, OH XXXX. Eventually their calls stopped and apparently they failed to include my letter in my file when selling it to their " Successors and Assigns '' Crown Asset Mgt. and then to XXXX XXXX.
I am reporting to you a Complaint against Selene Finance XXXX XXXX XXXX - Loan # XXXX ) who has fraudulently reported me to the Credit Bureau for a mortgage loan debt that was discharged on XXXX XXXX, 2013. The Chapter XXXX case number was XXXX. The Honarable XXXX XXXX XXXX was the United States Bankruptcy Judge granting the dismissal. This loan has been transferred to three different Servicers in the last year. Selene previously reported it to the Credit Bureau but removed it after being informed by the Trustee of the Case. They just reported it again. It has caused me to be turned down for an auto loan, and to be approved for a lease on a new apartment. Their reporting dropped my credit score XXXX ( XXXX XXXX points. No other Lender has done this to me accept for this non-bank Servicer, inexperienced in Loan Servicing Matters. The are also guilty of " Dual Tracking '' as they are considering me for a HAMP MOD, while continuing to move forward on foreclosing on my property. Please help me resolve this matter XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Mailing XXXX XXXX XXXX XXXX Florida XXXX : XXXX Financial Loan Number XXXX
XXXX Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XX/XX/XXXX. That is inaccurate. At the time, I requested a new closing date on the XXXX account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XX/XX/XXXX for XX/XX/XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation and you will see form the XXXX records that a closing date/due date WAS in fact changed, leaving that as my only evidence. However, I do not believe any of the the 3 credit reporting companies investigated this properly, took XXXX at their word with no evidence of the recording ( which XXXX tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.
Amerihome Mortgage used our escrow money and paid someone elses XX/XX/XXXX property taxes. We discovered this at XX/XX/XXXX. I contacted them XX/XX/XXXX and received an email address from a Customer Service Rep named XXXX to send a copy of my tax bill to them. I sent it on XX/XX/XXXX and received a response from XXXX XXXX XX/XX/XXXX stating they were forwarding it to their tax department for investigation. I never received any other follow up from them. We 're trying to re-finance our mortgage and discovered the tax issue has still not been resoled as of the writing of this letter. I have spoken with 5 supervisors between XX/XX/XXXX thru XX/XX/XXXX. I have requested a return call from Management and advised each Supervisor was requesting the call back and have not received one call back except from a Customer Service representative. 
I have also been told no one from Amerihome Mortgage can contact the third party vendor they use to pay the tax bills. This is completely unacceptable behavior and I am extremely upset that we have a tax bill that is 3 months delinquent in our name. 
I have been told twice their resolution date is XX/XX/XXXX and I have advised this is unacceptable to us as we pay our mortgage and escrow timely and expect them to correct this in a reasonable amount of time which 23 days is not. Their Supervisor XXXX verified with the County on XX/XX/XXXX that the bill has not been paid and that the account number Amerihome paid is indeed for another piece of property/home and another person unrelated to me and my husband and our home.
The lender did not properly disclose the closing cost and I paid fees i did not know about.
I gave my mon-ey to JPMorgan Chase bankand asked ifthey could getit to therecipient inXXXX. Theysaid couldhandle it, andthat theywould takecare of it. 

Money nevergot to the beneficiary in the bank inXXXX! 

If I had n't been confident ofthe bank assuring methat they couldwire my moneyto XXXX, andthat thebeneficiaryin XXXX would get the moneyI would nothave givenJPMorganChase mymoney!
XXXX XXXX sent me a collection letter on an account that was closed two years ago. The original company electric, XXXX XXXX went out of business and was transferred to another company. When the service was transferred, I had no balance. I have since moved and today I received the collection letter saying I owed XXXX. I contacted XXXX XXXX and they said they did n't know why a collection agency was contacting me as I had a XXXX balance. I know this seems like an insignificant amount but I use XXXX XXXX XXXX to finance my education and I can not have any type of collection or adverse credit marks on my report.
XXXX XXXX has made several calls to collect a debt - I have asked multiple times to send back up for this debt. They stated on phone we don't have that but I will send you a demand letter and you can pay from that. NO - I want the actual back up that makes up {$2000.00}. Told me to put in writing so I sent a letter ( with the account number they gave me. ) Letter is attached I rec 'd a letter back from them they could not verify the debt. ( attached ) which is asking again for account number/social/copy of credit line ( ATTACHED ) this is a big run around, asked not to call me and remove from report if they can not produce back up.
Last XXXX, I applied for a credit card at my XXXX XXXX XXXX XXXX, and at XXXX XXXX XXXX.
My credit score, according to Experian, was XXXX, I have NO debt and all my bills paid way ahead.
Currently, I have only one credit card, XXXX XXXX, and its in a constant use for ten years.
XXXX denied me any credit, because Experian ( which they are dealing with ) did n't let them see my information ; it was a Freeze on it.
XXXX XXXX XXXX refused me any credit, as well, due to my phone number missing on that file they were supposed to view.
I did call Experian on XXXX XXXX, and had a 40-min-long pleasure talking to their XXXX, in XXXX XXXX. He assured me that from now on, my phone will be on my file, but could not explain, why the XXXX it was n't there to begin with.
On XXXX XXXX, Monday morning, I called Experian, again. This time I asked to talk to USA personnel. Guess what, over an HOUR later, their lady - Manager, with initials XXXX, still did n't have my phone number on file that banks need to see, two months later, and she also had no clue, why Experian 's staff fails to type-it in, over and over and over again.
By the way, Experian 's staff is so challenged that nobody noticed that my only phone number was repeated twice, on p.2 of 4 : " The numbers you provided when adding this alert are : XXXX and XXXX. '' But when XXXX XXXX XXXX needed to see it - it vanished ...
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Because I have applied for a credit card twice, at two different banks, my credit score of XXXX  went down significantly, and I never got any approval.
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Report # XXXX
I have been on the matching payment plan with the XXXX XXXX XXXX company also know as XXXX XXXX and have been paying the amount of {$80.00} for over a year and they matched me in XXXX and reported me as being XXXX days late now they did the same thing on XXXX XXXX reported me as being late on experian. When in fact my account is not late I have been paying as agreed and everytime I call their customer service department you get the run around, I explain to several reps this is damaging my credit report with experian. I need this incorrect reporting to stop.
I have submitted this letter to all the credit agencies, Equifax, XXXX and XXXX  and it still has not been removed. They lied they did not validate they went and put the information on themselves. The courts clearly stated the clerk 's office does not provide information to credit reporting agencies. Credit reporting agencies access the court data by visiting the office and reviewing records or by logging into United States Courts Public Access to Court Records ( PACER ) system with an approved login and password. They also stated bankruptcy case information is publicly available for any interested party to review. 

I have provided the letter in the attachment.