WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/X/2017 XXXX XXXX XXXX aquireed a fraudulent debt from XXXX XXXX XXXX. I have sent in several validation letters to the company as well as my police report filed stating my identity was stolen around the time of this loan was taken out. Still without any avial they have n't made any attempts in resolving this matter. I have started filing a lawsuit against the company for it unfair and unpractical debt practices. they arent licensed to collect sets in the state of Georgia yet they still attempt to collect this fraudulent account debt from me. It is affecting my credit as well as my ability to purchase a new home for myself and my children. This debt was old to them by XXXX who has since stated that the debt was fraudulent and have removed me out of their system. now i need deville asset to do the same.
The J.P. Morgan Chase Hamp Modification Executive Office in XXXX, Ohio is stonewalling me by not completing my resolution for a XXXX Lien Modification. They have been claiming for 4 months that the U.S. Treasury has not given them my correct address based on the information received from my XXXX lien holder XXXX, which did grant me a XXXX lien Hamp modification. They are lying, using the cover of " government inefficiency '' to accomplish their goal of trying to make me give up on this process. The Chase # is XXXX XXXX. Please! I need help. Thanks. 
Committee
Left multiple message at my place of employment with multiple people stating they are from the District Attorneys office. Also left messages including my name and stating they are XXXX the actual attorney looking for me.
I applied for a secured credit card in XX/XX/XXXX First Progress Mastercard. I was approved and they have a program where a consumer can expedite recieving their card and fund the card within 90 days of receiving the card ... for a cost of {$29.00}, which i paid. The only thing i have received are emails and text messages letting me know that my time limit to fund is about to end. It is XX/XX/2017 and i have yet to see a card, i called First Progress and spoke to a customer service representative named XXXX, whose only concern seemed to be me giving them money to fund, before the time limit ends on XX/XX/2017, a card whch i have not received. I told him that i would not be funding anything and that i would filing complaints with the better business bureau. A friend told me of this agency so i decided to file a cpmplaint hete as well. In my opinion, this company is ripping people off and committing fraud.
XXXX XXXX XX/XX/2018 Equifax, XXXX, and XXXX  RE :  Accounts # XXXX To Whom It May Concern : I am requesting that you investigate and immediately remove the negative account from XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX be removed from my credit reports. This account is violating the FCRA section 609 by reporting wrong or inaccurate information onto my credit reports
XX/XX/XXXX and XX/XX/XXXX XXXX XXXX report to my credit bureaus. I was 90 days and 120 days past due when I was in fact only 60 days past due accordingly to my online account with them. I did contact them I was told unfortunately they where unable to fix the account once reported I find.that hard to believe. I currently pay on time and when if cant they give me forbearance and deferments. On my credit report it shows XXXX XXXX XXXX current and then all of a sudden XXXX 90 days past due and I spoke to them in XXXX and got approved for forbearance then all of a sudden XXXX 120 days past due makes no sense that they report current then jump to late and refuse to fix. I attached the copy from XXXX XXXX showing I was approved XX/XX/XXXX to XX/XX/XXXX. Per there documents
i disputed an amount of {$130.00} on XX/XX/XXXX Wells Fargo gave me a temporary credit. on XX/XX/XXXX the amount was charged back to my checking account. I did n't receive any notification that the claim had been resolved.
This complaint is filed against CoreLogic SafeRent, who has produced an inaccurate report that includes landlord-tenant cases filed by XXXX from XXXX XXXX through XXXX XXXX. Specifically, CoreLogic SafeRent is inaccurately reporting the court cases as " case filed and the claim amount '' when in fact all of the cases were dismissed because payment had been made. CoreLogic SafeRent is required by the Fair Credit Reporting Act to report accurate information. CoreLogic is violating the federal Fair Credit Reporting Act ( " FCRA '' ) by systematically and illegally reporting court cases that have been dismissed. Because of CoreLogic 's inaccurate reports, I have been denied housing since XXXX and have been forced to live with family members. I have been employed with the federal government for 25 years, have a good salary, no open collections or late payments and a good credit score. However, none of these factors mattered when I applied for housing on XXXX XXXX, XXXX. The Management Company informed me that my credit score would warrant an approval, but they had to accept the decision not to approve based on the information that was received from CoreLogic SafeRent. For the sixth time, I have been denied housing based on the inaccurate court cases that CoreLogic reported. The inaccurate reports are misleading as it only shows the court cases as " case filed and claim amount '' which implies that the case is still open and the claim amount is still due. This is not correct and I suffered tremendously because of the inaccurate information. Had CoreLogic checked the court records, it would have realized that these cases were dismissed and there are no outstanding balances or money owed. I have faxed three disputes which have been ignored and no one has responded. Nor do this company answer the phone. I have not been able to get this resolved.
This was the closest choice to my complaint. I have tried calling the collection agency XXXX ; not ONCE have I every gotten to a representative. EVERY call is answered with " due to high call volumes we are unable to take your call ; please call back ''. This happens even at XXXX.!! I provided a copy of a letter from XXXX XXXX XXXX that this is not my responsibility and payment has been made.
HSBC Mortgage has forced me into forclosure because they refused to do a modification on my loan as i went into a fixed income amount and was unable to afford the set Mortgage payment ... I have been battling to save my house court after court. The bank bought the house back in foreclosure, and being that im in still battling in court, I have paid over XXXX in escrow account, i 've been trying to buy back my house and I have given all the information the bank has requested including bank statements, and it was all a hoax and their just playing around with me, and now their saying we refuse to sell to you! I am almost XXXX years old and i have been living in this house for 25 years, I plan to die there! Please, please I am begging someone to help me!
I have a XXXX credit card and have had it about 4 months. My credit limit was set at {$500.00} and my minimum payment was $ XXXXmonth. I just made a payment of {$300.00} on XX/XX/XXXXwhich dropped due balance to {$200.00} but I wo n't have access or use my card until  XX/XX/XXXX because I made a larger than minimum payment. My payment cleared my bank account XX/XX/XXXX effective XX/XX/XXXX when I made the on-line payment. The payment posted on XX/XX/XXXX but I ca n't have access to it until XX/XX/XXXX. I have argued with two people on the customer service line ( which is another nightmare just trying to talk to a real person ) and asked why they would punish a customer for making a larger than minimum payment and not letting them have access to their money to spend in their store. All I got were apologies and saying it was a policy with risk management. I asked how can I be a risk making a larger than normal payment and they were taking it directly from my checking account? I want access to the money I paid on my card as soon as it clears my bank.
Ally Bank does not know how regulates them. I wanted to submit a complaint and they do not have a clue.
Harassing calls multiple times per day. Ive informed them numerous times they have the wrong person. They are asking for XXXX XXXX who I have never heard of. They dont care that they have the wrong number. They keep calling. 
The company is sunrise credit services in XXXX NY.
Our servicer Oceanside Mortgage migrated to a new payment system. I set up the XX/XX/XXXX payment manually due to the migration change. I additionally set up the bank information for automatic debit. 

For some reason, Oceanside did not process the auto payment information and did not take the XX/XX/XXXX and XX/XX/XXXX payment. When I discovered this in XX/XX/XXXX, I contacted Oceanside and discussed ways to make up the shortcoming.

We agreed upon three payments in XXXX XXXX XXXX and XXXX to rectify the balance issue then resume our regular payment. Payments are being made as scheduled. 

Oceanside is however continually contacting us and sending letters starting account is heading to foreclosure. We contacted them several times, they have acknowledged the payment arrangement but continue the mail email and phone calls. 

We want the harassment to stop and for them to honor their agreement
This account was established over 10 years ago. I closed it by choice between XXXX and XXXX. I informed the creditor at that time that I needed to arrange a lump sum payoff settlement amount because of financial hardship but they declined my offer. However, I continued to make the minimum monthly payments until XXXX. In XXXX, I became financially unable to make the payments anymore and the account went into default. Recently, my husband was given a summons by the lawyer of the creditor for a law suit against me. I called the lawyer and tried to negotiate a lump sum settlement amount of {$3000.00} but it was denied because he said it was too low. I can not afford the {$6000.00} settlement he countered. The main point is that the debt is too old to be sued on and the debt has been discharged on my credit report for quite some time now.
I sent money via Paypal ( see below ) to a friend, and after 6 days, that money is not accounted for in their account, my account, or in my paypal balance. 
I have been advised that the balance would show up in my papypal account on Thursday, I have been advised that the balance would be returned to my bank account, and I have been advised that the payment was sent. As you can see, these XXXX options do not match, AND, none of them are true. 
XXXX XXXX 2016 XXXX XXXX Money Sent Loading transaction details for XXXX XXXX Money Sent -negative {$300.00} Repeat this transaction Close Paid with XXXX BANK XXXX XXXX Transaction ID XXXX Sent to XXXX XXXX XXXXXXXXXXXX Details Sent to XXXX XXXX {$300.00} Fee {$0.00} Total {$300.00} See details on classic site
Nelnet had placed me on the wrong repayment plan in 2012 after calling to discuss that it did n't make sense for me to be on a 10 yr repayment when I would qualify for the Public Service Loan Forgiveness after making 120 payments. They switched me to a 25yr standard plan and told me that I was all set with my plan to qualify for the PSLF. I now have found out that they lied and that plan does n't qualify for the PSLF. I was told none of my payments counted towards the 120. I have made more than {$19000.00} in payments. They tell me there is nothing they can do to change this due to their records of the change made in 2012 not mentioning the PSLF. So just because their records are bad and they do n't save their recordings of the conversation, I am out XXXX dollars and told I need to start from square one again making my payments. ONBUDSMAN was no help and dept. of ed was n't either. Please help!!!! 
Thank you! 
XXXX XXXX
Besides the 8 % and the amount being outrageous on my parent plus loan, I feel that the current balance is incorrect. I have called and never get a straight answer. I 'm being charged interest on a higher amount. I have so far paid over {$19000.00} in interest and {$4000.00} towards the principal. My original amount was {$130000.00}, should n't my balance be {$130000.00}? They have my current balance at {$130000.00}, at this rate I will never get this paid down. This is usury at it 's best!!
On XX/XX/XXXX Under the fair credit reporting act I sent to XXXX, Trans Union, and XXXX  letters requesting to remove. unverified non- account holding inquires. 
the non acount holding inquiries were XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX all of which are unverified accounts. I also requested to have all credit freezes and security alerts removed from my account. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed.
we called Citibank on XXXX XXXX, 2017 for a payoff- we paid the account off on that date via phone rep using our debit card-now the bank says we owe approx. XXXX for late fees and interest..i contacted Citibank several times and they will not help in fact says we did not call..how would we pay off the acct without the payoff amount? ... I spoke to Citibank XX/XX/2017, some time in XX/XX/XXXX and XX/XX/XXXX, ,XX/XX/XXXX, ,the fee they say we owed was XXXX and now with pentaltties, interest etc it is XXXX..We feel this is unfair practices..we did our part ..
To Whom it may concern. 

I would like to add to my complaint XXXX from XX/XX/XXXX about Select Portfilio Servicing.. On XX/XX/XXXX this year XXXX sent a letter to the ohio dept of commerce they took XXXX out of my account because it belonged to another customer.. This is what happened I had a third party disability insurance which made payments for my mortgage which at that time went to XXXX then last yr XXXX sold my mortgage to XXXX,, The insurance company still made payments to XXXX  and XXXX sent money to XXXX.. On XX/XX/XXXX of this year XXXX sent by XXXX XXXX a check in the amount XXXX, therefore that money should be put back into my account and apply it to my monthly payments. also i want a complete audit of my account with XXXX with a mistake like this there may be others, which may effect my account. I have written to XXXX  research dept to get all the payments that they sent to XXXX. dates and amount. Once I have this paper work I will fax to you and fax to XXXX, and I will file a new complaint with the ohio dept of commerce, and to the us attorney general. 

I want to thank you again for your time and effort XXXX XXXX
I am going over my credit report and I see that my information is either inaccurate or old dated. 
My name is XXXX XXXX XXXX I am XXXX my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
My DOB  XXXX SS XXXX MY only address is XXXX XXXX XXXX XXXX XXXX, OH   XXXX PHONE NUMBER XXXX THE FOLLOW ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE A HARD INQUIRES ON MY CREDIT REPORT THAT ARE UNAUTHORIZED I NEVER DONE ANY BUSINEES WITH XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE THEM THEY ARE NOT AUTHORIZED. I WOULD LIKE TO BE OPTED OUT OF ALL PROMOTIONAL CREDIT CARD ADD AND INSURANCE PROMOS. THERE IS A ACCOUNT SHOWING ON MY CREDIT XXXX XXXX XXXX XXXX XXXX****. THIS ACCOUNT WAS NEVER IN COLLECTION AND HAS ALWAYS BEEN PAID IN FULL, NOT SURE HOW OR WHY IT IS ON MY CREDIT REPORT PLEASE DELETE THIS ERROR.
Certified letter requesting validation was sent to XXXX XXXX. 
C/o Resurgent Capital Services XXXX XXXX  XXXX XXXX, SC XXXX This is the collection agency for XXXX XXXX XXXX XXXX XXXX. 
I have not received anything in response. Also after looking on the State of Texas website, XXXX, Resurgent Capital Services or XXXX XXXXXXXX XXXX  are not listed as bonded in my state to collect debt. 
I am asking for this account to be removed from credit report with all 3 bureaus.
Good evening, I have a collection on my credit report from a collection agency, AFNI, for a bill from XXXX XXXX XXXX. AFNI is not a licensed collection agency in Florida. Can you assist?
I took a loan in XX/XX/2016. They said no hidden fees. But the amount deposited into my checking account was less than the amount I was expecting. They said it was processing fees. 
I see the FTC has filed a lawsuit and I want to be a part of it. I am paying interest on money that I anticipated having for my use, not sudden mysterious fees going back to Lending Club. 
Also, if you are over 15 days late but before 30 they add a late fee to THAT payment due. Most companies add to following monthly statement. So if you pay only amount you think is due and don't include the sudden late fee, then you will be 30 days late because you didnt pay enough. They are very sneaky and can ruin someone's credit with this tactic! 
Thank you.
ILLEGAL & CAPRICIOUS SEIZURE AND HOLDING OF CONSUMER FUNDS : Netspend Corporation ( XXXX ) has seized funds on our card and do to errors refuses to release the funds, allow us access to the account, allow us to make corrections on the account, or give us any possible way to get our money. The money was loaded into the account using XXXX XXXX 's re-load service. XXXX refuses to help. XXXX uses XXXX to reload cards. XXXX can not help us refund the money. 

DISCRIMINATION : It is discriminatory to hold our money without any way to release it, correct the situation, etc. Net spend claims it is because we changed our address and they are punishing us for having to move. 

NO SUPPORT ACCESS BY CONSUMERS : Netspend customer service NEVER answers phones any more as they did when I opened my account over 6 years ago. It is impossible to directly reach to company to gain access to our money.
Towards the end of XX/XX/XXXX, my contract and leases with XXXX for cellular phone service ended. I chose to end that relationship and change providers. A major reason for that change is that I constantly had a difficult time with XXXX customer service. Credits were supposed to be applied and changes made, but nothing appears to have happened. 

I changed providers on XX/XX/XXXX. On that date, I specifically confirmed with XXXX that the leases on the devices were complete. I then received a bill from XXXX for well over {$1000.00}. I again called and was basically told that, upon XXXX 's receipt of the devices, the bill would be reduced dramatically. I returned 4 of the 5 devices to a XXXX store on XX/XX/XXXX. I returned the other via XXXX on XX/XX/XXXX. 

I do not recall the first phone call, but thereafter I received phone calls from a collection agency saying that I owed XXXX ~ {$1800.00}. On several occasions I explained why that figure is incorrect, but the phone calls continued with no changes. Eventually I explained that any further communications had to be in writing. I received no phone calls for several months. 

Last week, I noticed that the collection company for XXXX reported this purported debt to each of the 3 credit reporting agencies. I initiated a dispute with each of the agencies. Today, the XXXX   dispute investigation was completed, but they did nothing because the collection agency stated the debt was " verified as accurate. '' The investigation results provided the following information for the collection agency : Source Receivables Manag XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX On XX/XX/XXXX, I called the number provided and spoke with a representative. I called at XXXX XXXX EST, and the representative terminated the call at XXXX XXXX  EST. I tried to explain the ongoing issues, and why the debt is invalid. The representative was combative and uncooperative. I explained that my prior phone calls from XXXX will show why the debt is invalid. Her response was that it is not her responsibility to dispute the debt. I explained that I do not have access to the XXXX database. I then tried to have the representative explain the basis for the debt. She said that the debt was because I terminated the leases early. This is something I had never heard before. I explained that, regardless, I had not terminated the leases early, and asked her to further explain the purported amounts owed. She refused. She said that I was cutting her off and the conversation was going nowhere. She then terminated the call. 

They have refused to address this issue, and I have no other way to have them acknowledge that this debt it invalid.
CFPB, Back about 18 years ago I was at sea and I was a victim of identity theft. I caught this when I returned from sea and after about XXXX months I was able to clear up this incident with the help of my local police in the town of XXXX, XXXX I have been a resident here since XXXX, the identity theft happened in XXXX. They used my information to apply for CC and other accounts but instead of using my correct address and employer ( XXXX XXXX XXXX, they use XXXX, XXXX and XXXX XXXX XXXX in XXXX, XXXX. Eventually, after at least a dozen credit denials, a mistake was made by either XXXX, Experian, or XXXX approved XXXX of the credit applications an thus updated my records to show I worked at XXXX in XXXX and lived in some abandoned house in XXXX, XXXX. Neither of this information was true and even though I had a police report about the identity theft, they would still would address my claims to correct their mistake. 
All attempt thru these agencies to try to remove this fraudulent information have gone unanswered all these years. 
I eventual gave up trying to get them to address their mistakes but thought after visiting this website, I would give it a try again.
On XXXX/XXXX/15, I received information from a credit monitoring service noting that on XXXX/XXXX/15 and XXXX/XXXX/15, Check City XXXX, in XXXX Utah had opened XXXX accounts under my name and personal information. XXXX loan is for {$700.00} of which I did not authorize as someone fraudulently obtained my personal information including SS # to open an account. On XXXX/XXXX/15, I sent a fax to Check City XXXX asking them to investigate this issue and advise how me may resolve this matter since my information was fraudulently obtained. Included in my fax was copy of my MA Driver 's license to prove my identity. I did not hear back from Check City XXXX and on XXXX/XXXX/15, I called this establishment and had to leave a voice-mail message outlining this issue since no one answered the phone. To date, I have not heard back from Check City XXXX either by verbal or written communication. Clearly, my identity has been compromised and accounts established using my name and SS #.