WillisBack/dataset-financial-user-claim huggingface dataset:
This company keep reporting an account that doesn't belong to me. It does belongs to my daughter. I don't have any financial responsibility on these bill. I asked this company to provide me with any proof that I have signed any paper regarding this bill. They didn't provide me with the documentation requested, but still reporting on my credit causing financial distress. This is a clear violation of FCRA.
This account {$340.00} for XXXX XXXX for XXXX XXXX XXXX XXXX showed up on 2 of my credit reports XXXX and XXXX. It was from 2012 apparently and supposed medical bill. This collection account was purchased from Pendrick Capital Partners LLC and then sent to XXXX XXXX. I disputed said account as it only had my name and nothing else. I made calls for about 2 weeks and unable to actually verify debt. When disputing with credit bureaus XXXX advised debt is verified but there is no social security number, address has never been mine or the phone number listed. When you see my address on letters from XXXX is because they got it when I disputer with credit bureaus. When I sent in verification of debt with XXXX they only provided what was sent to them from Pendrick Capital. I have never once received an actual statement or bill regarding this and refuse to pay it. I think it is a shady tactic for collection agencies to throw these accounts on credit reports when debts are 7 years old to try and force someone to pay something that cant be verified other than a name. I have spoke to Pendrick Capital as well and they cant even verify anything outside of my name.
My loan was transferred from XXXX on XXXX XXXX to Ditech. I have been making my payments on time. I received a letter from Ditech stating there is an escrow shortage of {$7900.00} on XXXX/XXXX/XXXX and stated that the payments would increase from {$850.00} to {$1000.00} on XXXX without explanation as to how there is a shortage on my account. I do n't understand how my payment for my escrow account could go up from {$100.00} to {$330.00} without a reasonable explanation. I tried calling to resolve without success and no answers to my situation. I received a history of account and it was so small that it was hard to read so I requested a new one that was in print I could read and they refused. I was able to tell that the account history does not provide an explanation for the escrow shortage. I did speak with XXXX towards the end of XXXX and I was told there was in fact an error made and I would have a response by the XXXX of XXXX and I called today with my counselor and the case is still in investigation. I sent a letter to request that the information be corrected or that an explanation be provided on XXXX/XXXX/XXXX and have still not received a response which according to regulations should have happened within 30 days. My first payment for the {$1000.00} is due this month and I do not have extra money to pay this higher amount ; this was expressed to Ditech and they said I still have to pay the full amount even though they have taken longer to investigate the case. My housing counselor spoke with XXXX and stated that I had no shortage on XXXX XXXX when it was previously serviced from XXXX. Counselor called Ditech during appointment and spoke with XXXX ID # XXXX who stated that I did not have an escrow shortage prior to loan transfer from XXXX in XXXX of XXXX and believes this is a mistake. Counselor asked that the issue be fixed before payment accrues late fees on the XXXX of XXXX, XXXX stated that the full payment must be made and stated the amount for the escrow would be refunded when it is resolved but I do not have extra money to pay {$200.00} more this month. I am now reaching out to you to help me resolve this issue with Ditech because I have not been able to get the issue fixed and they have not given me a date by when they will have this fixed.
My primary residence is in XXXX, and I have a mortgage loan with XXXX XXXX XXXX ( originally XXXX ) which is now serviced by Nationstar Mortgage. It is with Nationstar that I have problems with. I am a XXXX in XXXX, but I had a substantial drop of income as I lost a significant providers at the time. This caused me to be in delinquent with my mortgage loan. However, throughout the last year, I repeatedly contacted Nationstar to set up a payment plan. I even offered to pay $ XXXX per month until the loan was current. THEY REFUSED TO ACCEPT UNLESS THE ENTIRE $ XXXX WAS TENDERED. I had also offered them $ XXXX cash now and the rest on a 6 months payment plan, which they also refused. They filed a Notice of Default on XXXX XXXX, 2015, and the XXXX day is around the corner. They had me applied for a loan modification, but I still have no idea with the status is at the present. The reality is if this continues I will be forced to file a Chapter XXXX bankruptcy to prevent my house from being foreclosed. And once that is in place, Nationstar will get much less than what I am offer. This will also ruin my records and business. Therefore, I solicit the help from your office to see if there is anything your office can assist to get Nationstar to act rationally to all. Thank you.
I am paying my student loan on a biweekly basis. I would like my account to reflex that the account is not charged off.
I recently checked my credit report and notice a account and balance that I know nothing about. I placed a dispute with the company asking for debt validation and they sent a letter stating the start date of the account, a last payment on the account, and and delinquent day for the account along with an email address thats not mine ... .. I thought debt validation is showing the original account contract with a signature not some random email address and some dates for the service account ... .. its unfair to pin a debt on a person credit report without factual proof
In XXXX XXXX our mortgage was transferred to this company from XXXX. We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays dateXXXX XXXX and Experian are still reporting this account. We simply want it removed. 

XXXX agreed to remove this. See attached letter. Yet it has not happened.
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX To Whom It May Concern : The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the collection agency refuses to validate this debt. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Account : XXXX XXXX # XXXX {$2000.00} Thank you for reviewing this and getting these items off my report immediately. 

XXXX XXXX XX/XX/XXXX SSN : XXXX
My complaint is in reference to complaint num. XXXX ... which is telling me they have done nothing wrong and I 'm not specific enough ... how specific do I need to be ... for one you are not aloud to charge multiple property inspection fees on the same day and still monthly ... that is called double dipping ... .for two ... you are not aloud to practice unfair ... deceptive and abusive practices on a family for 7 yrs ... and get away with it ... that is ludicrous ... .and your still doing it bc your ocwen and can do whatever you want!!! That 's even worse ... no one..and I mean no one should have to go through what your co has put us through ... i wish I never bought this home ... i would have never met you and my life would be normal ... instead of all the emotional XXXX your co has put us through ... now I want you to know I have a complete application in with ocwen for assistance ... ..i do not have a sale date as of today ... my application was faxed in on XX/XX/XXXX ... .at XXXX ... at XXXX ... and at XXXX ... .faxed 3 times to XXXX XXXX XXXX ... .a short sale was entered for the 3rd time in a year ... on XX/XX/XXXX ... .nothing from ocwen!!!! That 's fine bc they are still in their time frame but it wo n't be long ... and do n't even try and say it 's not complete or you did n't get something ... .just dont!!!! When are you guys gon na help the families that really need it????
I least a vehicle going back in XX/XX/XXXX They claim I had left a balance of {$550.00} and I requested documentations and I never received it I filed a dispute with trans union and with XXXX XXXX services to remove my derogatory Item on my credit report I requested document ations from them why they claim I owe them {$550.00} but with no success they never sent me out any documentation regarding that charge
Hello, I just noticed on my credit report about a tax lien. I never had a tax lien. My ex-husband did not pay his taxes. I have proof from the IRS that I did not have a tax lien. I want this information removed from my credit report as soon as possible. 
Thank you
I made three deposits, XXXX, XX/XX/2018, XXXX, XXXX, XXXX, XXXX. Well Them I paid my rent, which included some back rent, then paid the rent for XXXX. All totaling about {$1900.00}. The checks bounced and when I checked, there was a verification hold on my account. I called the number, several times, only to be sent to a voicemail. I tried other ways, but always got sent back to the voice mail. It said they would call me back. They never did. Now I'm in danger of being evicted.
They had made Two Frauds Transaction in my Td bank account, when I called Td bank to disputes all the transactions, after 7 days I called them and they said that they have nothing to do with it because those transactions were made properly. 
( 1 ) For {$99.00} on XX/XX/2018 at XXXX XXXX XXXX Fl ( 2 ) For {$99.00} on XX/XX/2018 at XXXX XXXX XXXX Fl. Td bank knows exactly what's going on with my account. They give away people info so they could have Fraud going on. I don't know anything about Those Two Transactions. I want them to reimburse all my money back to my account. Thank You
Recently, my employer started making $XXXX a month in payments toward my student loans of $XXXX a month, held by XXXX XXXX. Accordingly, I have tried to get my direct debit amount reduced by $XXXX (XXXX XXXX would still receive the same amount each month, but the extra $XXXX  would come from my employer). The $XXXX already shows up as a credit each month on my bill, but XXXX XXXX refuses to lower my direct debit amount to anything lower than the total billed each month (even though they're now getting $XXXX more than that each month); they will only allow me to increase how much I pay in direct debt. I just called them about it today, XX/XX/XXXX. I had previously emailed them on XX/XX/XXXX, and below is what they responded on XX/XX/XXXX. I followed the instructions and it only allows increasing how much to direct debit, not to decrease.


---------- Forwarded message ----------
From: 
Date: Sat, XX/XX/XXXX at XXXX XXXX




Thank you for contacting XXXX XXXX!

To change the additional amount withdrawn through Direct Debit:

-  Sign into your online account
-  Select "Payments & Billing"
-  Select "Automatic Payments"
-  Select "Manage Direct Debit Information"

You will then be able to adjust the information in the Additional Payment Amount column.

We recommend that you use the "Contact Us" links on our website, XXXX, to submit inquiries via a secure email form.  Please use your email address on file when completing this form.  You may also call us toll-free at (XXXX) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX (ET).

Sincerely,

XXXX
XXXX XXXX

--- Original Message ---
On XX/XX/XXXX at XXXX XXXX
>Message: My employer now submits $XXXX a month in payment, so I would like to lower my direct debit amount by $XXXX a month. I was wondering how I can go about doing that? Thanks so much!
XXXX XXXX XXXX gave no notification or bill or email on an {$8.00} service fee. then reported account 30 days past due on a {$8.00} service fee. Of course then then added {$50.00} late on top of that. This seems like a scam to defraud.
Disputed bankruptcy reported on credit report. Was advised the information would be removed. After several months the information remains and negatively affecting my credit report.
I accidentally sent check to Bank of America : my Bill Pay through XXXX XXXX sent payment to Bank of America instead of XXXX XXXX where check intended to go. I have screen shot I filled in correctly. 
I do not have an account with Bank of America however bank cashed my check and is not refunding credit balance. I called about 25 times spoke with various managers, was promised they would refund the money which is over $ XXXX. 
It has been a month, I still dont have my refund. This money supposed to go to XXXX XXXX to pay my property tax.
Submission of my Income Based Repayment application was delayed with no current resolution. Temporary forbearance " solution '' caused my interest to be capitalized.
Kindly review the document attached to this email, in support of andregarding my complaint against American Express as follows : I was told by   XXXX   XXXX   Tutoring that they did not receive a charge on my card in the amount of {$700.00} from American Express. As a result, I sent them a check for that amount plus another amount for another service. When I contacted American Express after seeing that I was charged the {$700.00}, American Express was supposed to give me a credit but did not. I am demanding American Express give me my {$700.00} credit on my card as I was told they did not give the money to   XXXX   XXXX  , I paid   XXXX   XXXX    separately, and I h ave all of the documents to prove it.  <P/><P/> Desired Outcome : Permanent {$700.00} credit back on my card, as I already paid   XXXX   XXXX   via check since I was told American Express did not pay them.
In XXXX 2016 I had called in to Citibank to apply for a new Citi Prestige card. When I was connected with a phone representative they had informed me that I should simply transfer over my account from my current Citi ( R ) Diamond Preferred ( R ) Card. At that time I specifically asked whether or not I would receive all of the same perks by transferring my account versus applying for a new account, and explicitly asked about the XXXX reward thank you points promotion which was the reason for my application. I was told that I would receive the XXXX points as long as I had spent {$3000.00} within the 1st 3 months of the account being opened. At this point I instructed the phone representative to transfer the account. 
Approximately 3 months later in XX/XX/XXXX I called Citibank again inquiring as to why I had not seen my bonus rewards points apply to my account since I had spent nearly {$10000.00} at that point. This new phone representative informed me that because I transferred my account that I was not eligible for the XXXX point reward. I informed her that I had been unequivocally told by the representative who signed up my account that I would be receiving those points and that that incentive was the reason for my opening the account. I also told this representative that if she went and found the recording of my initial phone call she could verify what I was told. The representative let me know that it would 48 hours to track down the recording of the phone call and that she would return my call at that time. 
4 days later I received a call back from the representative informing me that because the initial person I talked with when I set up my account was overseas ( how is it my fault that they routed my call there?! ) that they could not track down the call recording and therefore would not be issuing me the rewards credit that I am due. 
As mentioned this rewards credit was specifically advertised, explicitly addressed during my application phone call, and was the reason for both my initial application and my spend of nearly {$10000.00} on this new account. 
Citi owes me that rewards credit or the {$800.00} value of the flight that it would purchase.
I have a secured credit card with USAA and when making payment for use available balance USAA allows for indefinite hold on payments as listed in their universal terms and conditions. If do n't agree with universal terms and conditions funds will not be released to hold on funds with secure card. 

Listed is their policy : When we credit Payments. Payments received by us before XXXX Central Time that meet the payment conditions in section XXXX and on your bill will be credited as of the day of receipt. Payments that we accept that do not meet these requirements will be credited within 5 days unless they require special handling. We reserve the right to withhold credit availability on any payment.
I have referred a complaint to the Department XXXX ( XXXX MD ) and XXXX Services for resolution. The defendant sent my account to NCC Business Services for collections. This entity failed to send me a notice of debt - for more than a week. I called the CEO and he cut off my call. I continue receiving calls, the company is still refusing to send me the letter of debt, nor acknowledge that the matter is still under review between me and my previous landlord. 

The landlord in question is XXXX XXXX. This company opted to threaten us with an adverse incident on our credit record, rather than trying to resolve the underlying complaint. Their verbal statement was, " We did not feel the need to respond to your email, because we knew we would XXXX up your credit if you do n't pay us. '' Consequently, we filed the necessary complaint with our county. They continued to pass on the debt to NCC, who started their campaign of abuse. During the latest call this morning I was told that I was not going to receive the notice of debt at all. I was just to pay.
I have a charge off on my credit report and then it was sent to a Debt Buyer. It was with XXXX XXXX Bank and the debt company is Midland Funding. The amount was {$460.00} the account was open XXXX. I have never has a credit card in my life so I need to find out how this happened and how to get it taken off my credit bureau?
bank canceled a credit card stating it did so because a banking affiliate terminated business with me. after checking my credit report and verifying that no business terminated anything, the bank then responded they were under no obligation to explain why they did anything
I received a copy of my credit report from the three major credit bureaus. In accordance with Federal Law, I exercised my right to dispute negative items off of my credit reports and received no response. I was very specific pertaining to the corrections that need to be applied to ensure the accounts on my reports are 100 % accurate and 100 % verifiable, and they have ignored and/or overlooked my requests.
I was contacted by a company named XXXX XXXX by a man named XXXX XXXX and subsequently by a man named XXXX stating that I owed them {$1400.00} from an emergency room visit that occurred on XXXX/XXXX/2015. I asked them to give me whatever information that they had so that I could verify their information with my records and the hospital, if necessary. They were verbally combative and insulting to me when all I wanted was to be able to verify the details of their claim. Subsequently, I was able to locate the benefits document from my insurance company that shows that I never owed the debt. This was a debt that was purchased from another company which was, presumably, purchased from the hospital where I had the emergency room visit. My insurance benefits document indicates that the charge in question was an 'Ineligible charge ' that the doctor who made was prevented from making through agreement with my insurance company. I am absolutely convinced that this was a cheap tactic by the doctor, the hospital, and every debt collection company that bought the debt to try to get me to pay for something that I was never responsible for paying, and, had I not resisted their strong-arm tactics, I might have agreed that I owed the debt ( which I do not ). I do n't believe that it was necessary for the employees of XXXX XXXX to speak to me in the manner in which they did -- especially since I do not ( nor have I ever ) been responsible for the amount that they say I was.
For one year I literally jumped through hoops for my homeowners support home modification application. Bank statements, certified letters, pay stubs resubmitted several times. After following all their guidelines I was approved. I had a 3 month trial period XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.  I met all the requirements. Paid through the trail as contracted. Citi mortgage then sent a mobile notary for me to sign the final mortgage. I am still intrail at these crazy amounts. Theyre charging me {$140000.00} for a {$70000.00} loan. I felt as if they were taking advantage of me for I never heard anything again but was instructed to continue the trail payments. I have since stopped I fear that I am being scammed. The entire process has been one difficult thing after another with Citi never holding up their end. Why wasnt I given my mortgage upon completion of my trail payments. Please help me
Dear Sir/Madam, Paypal is holding my funds in these accounts hostage since XXXX XXXX, 2015. My personal account has {$5500.00}, and my business account has {$9400.00}. The pretense of limiting my account was high level of risk. The matter of fact truth is that my accounts have never had any disputes, claims, or chargebacks. Their holding my funds is nothing but malice, and was done in bad faith. It is unreasonable and should be illegal. So far all my contacts to Paypal only resulted in either no reply or nonsense form-letters. 
I am asking for you intervention to:1 ) Order Paypal to release the funds to me immediately without any further delay ; 2 ) Order Paypal to pay interest at 10 % or the highest rate Paypal pays to its lenders to compensate me for locking up my funds ; 3 ) Declare Paypal 's XXXX-day holding period illegal. 
Thank you very much for your prompt assistance on this matter.
I 'm have been disputing account with XXXX XXXX acct XXXX XXXX account and XXXX XXXX XXXX financial that was deleted 12 times Experian is real slow on disputing they send me letters stating if I do n't show proof they will stop disputing these accounts according too the fcra they will dispute 24-7 365 that 's the law and theres ally loan sum of {$37000.00} not mine some one with similar name I have deleted the XXXX acct that 's why it only has XXXX didgit account XXXX due too been removed 5 times know back on XXXX XXXX XXXX was deleted 12 times back on ally for sum of {$37000.00} deleted 5 times XXXX credit card not mine some one with similar name deleted 4 times all these are back on XXXX was sued XXXX fdcpa vilotation lawyer asked me not too state there name at this time Experian does what they want they neglect your dispute its legal dispute letters from attorney general office even from there credit montoring I guess they scam people I was promised 24 months of free credit monitoring from them due too identity theft got nothing from them they know I 'm victim been sent numerous letters too there XXXX XXXX office and XXXX office as well I 'm trying too get my life back 12 months ago I was XXXX fico know I do n't know they want provide me with score with all this mess going on please help me thanks
I am owed a refund on Escrow from loancare, I still havent recieved my check and the email doesnt go through to them. When i talk to a customer service rep I am told it will be escalated. this has been going on since XXXX.
XXXX XXXX experian and XXXX the have the police report they are in violation of cra