WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I was contacted via phone by a representative from Portfolio Recovery Associates. On XX/XX/XXXX and XX/XX/2018 they received letters, via certified mail. In these letters I formally requested that Portfolio Recovery Associates validate this debt. It is now XX/XX/2018 and I have not received any response. 

I noticed that XXXX is now reporting I owe XXXX  XXXX {$3300.00}.
Made a deposit into my Huntington checking account of XXXX on XX/XX/2018. Received an email from the bank stating the deposit was on hold until XX/XX/2018. I also setup an auto transfer of XXXX dollars per week from another one of my accounts a month earlier for which Huntington bank continues to pull faithfully. 

Though I had other funds in the account bills submitted XXXX XXXX ( my Car note ) for payment were told my account was closed. I am charged insufficient funds fees for the non payment on my car-note even though there are funds in the Huntington Bank account to cover car-note outside of the XXXX deposit. 

It is XX/XX/2018 now and I have no access to my account and no explanation as to why the account is on hold. Huntington Bank is stating I will have to wait until there process is completed but they continue to withdraw from my other XXXX XXXX XXXX account. 

Funny thing is the the XXXX dollars cleared the originating bank and Huntington continues to process the auto transfer from my XXXX XXXX  XXXX account. They are getting funds in but I cant get anything out. 

Please help
the amount shown is way out of proportionit was XXXX how did it go to XXXX that 's just wrong its much XXXX costed me
XXXX has been non-compliant with removing the unverified account ( list account and account number ) which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that US BANK XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I sent experience a copy of the court papers where me and my sons mother went to family court and she told the judge that she never filed for child support and the judge could not get any information from child support inforcement and the judge closed the case with no arrears and experience still has it on my credit report and still missing most of the information that 's supposed to be listed and what is listed is not true
1 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 5 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN )
Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX I wrote Shellpoint by USPS on XXXX/XXXX/XXXX about a lower APR on the XXXX XXXX XXXX property and they called me, but did not offer a lower rate. I wrote them again on XXXX/XXXX/XXXX about correcting the maturity date on the same property and received no phone or written reply : There has been an error in the maturity date of 30 years from XXXX of my two first mortgages. I live at XXXX XXXX and my son lives at XXXX XXXX. Please send me the following information for each of the two loans ( XXXX XXXX XXXX XXXX, OH XXXX account # XXXX and XXXX XXXX XXXX XXXX, Oh XXXX account # XXXX ) : The house my son lives in, account # XXXX, still has the original APR rate from the origination XXXX date and never received H.A.R.M. Since the terms and monthly payments did not change, the maturity date of XXXX should not have changed either. Why is the maturity date XXXX and I have already paid 11 years on this loan? 
The house I live in, account # XXXX, received a new APR through H.A.R.M. and the monthly payments did change. I thought the maturity date would be XXXX and not XXXX since I had already paid a significant amount on the mortgage since XXXX. 
I have been retired since XXXX. I am XXXX years old and my mortgages have the sharecropper effect of never being paid off. I do not want to pass away and never truly own my home nor leave my son debt strapped with mortgages. I purchased the XXXX XXXX XXXX home in XXXX with the original maturity date of XXXX. I purchased the XXXX home in XXXX by using my XXXX home. Please explain why the XXXX maturity dates of both homes did not maintain their original maturation date ( especially the XXXX home ). 
When will the errors in the maturity dates be adjusted ( especially the XXXX home since its APR, terms, and payments never changed from XXXX like the XXXX home changed in XXXX )?
When our adjustable rate increased we contacted Nationstar and asked for a HAMP. Apparently it was approved to begin trial payments XX/XX/XXXX but we never received any notification of the trial payment approval or the final modification paperwork ( sent out for signature XX/XX/XXXX ) because they were apparently sending them to our BK attorney. 

We consulted with our attorney XX/XX/XXXX and she said she mailed us the only letter she received which had copies of the originals attached and all was received by her office XX/XX/XXXX. 

We contacted Nationstar immediately and was advised to reapply for the modification. We returned all requested paperwork for the request XX/XX/XXXX and received notification last week that it was denied. We have not changed anything since the last was approved so why is it denied now? We received nothing telling of the last approval until it was too late to request an appeal.
In XX/XX/XXXX, I closed my student checking account at a XXXX branch in XXXX NC. The person that I worked with was rude and informed me I didn't need to sign anything to close my account. In XX/XX/XXXX, I received a bill from a collection agency XXXX for an overdraft fee + transaction (that I didn't make) that supposedly happened in XX/XX/XXXX. It appeared as if my account had been reopened specifically to be charged. The reason behind my closing the account was due to monthly maintenance fees, yet they have no record of any maintenance fees prior to this supposed charge, if my account had in fact been opened my account would have been charged a maintenance fee for every month prior to this "transaction". It is my understanding that once an account is closed, a bank cannot re-open it without the account holders permission. 

  I submitted a dispute and validation request, the information provided seemed weak at best. They sent a response and XXXX statements, spanning three months, the account type is listed as an "Everyday Checking" on the final month, although it is listed as "student checking" on the prior XXXX months. With a starting balance of $0.00 for the XXXX month (which should have been negative if they were charging me a maintenance fee).  After this response, XXXX never tried contacting me again. 
  Now I have received a new attempt to collect on this "account" from Convergent Outsourcing, Inc. It is not a large amount, but I do not owe these people any money.

Of note, when I made my original claim I was told to contact you directly by the Federal Trade Commission.
I closed on my new property in XXXX of XXXX. Since that time, my loan has been transferred to a new servicer twice already. In a letter dated XXXX/XXXX/XXXX from XXXX, I was advised that my new servicer would be XXXX XXXX XXXX, effective XXXX/XXXX/XXXX. By the time I received this letter, I had already mailed my XXXX payment to XXXX. When it was time to mail my XXXX payment, I mailed it to the address that XXXX had provided me for XXXX XXXX Servicing since I still had not received any communication from this new servicer. 

My first communication from XXXX XXXX, c/o XXXX Loan Servicing was a mortgage statement dated XXXX/XXXX/XXXX, which also included a Notice of Servicing Transfer letter. This statement showed a total amount due of {$930.00} with a payment due date of XXXX/XXXX/XXXX. Two things : 1 ) My monthly mortgage payment is supposed to be {$460.00} and 2 ) I have not missed any payments, have not sent in less than owed, nor have I been even a day late. I then checked my bank account. My XXXX payment to XXXX XXXX cleared my account on XXXX/XXXX/XXXX, before they even mailed me the statement showing {$930.00}. 

On XXXX/XXXX/XXXX I mailed a Qualified Written Request to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, CO XXXX ; which was the address they listed for a Qualified Written Request in the Notice of Servicing Transfer letter. I asked them to explain why my statement showed a past due amount of {$470.00}, what the additional {$18.00} charge ( {$470.00} - {$460.00} ) was for, and also requested an itemized statement with the correct outstanding principal, escrow balance, et cetera. 

To this date, I have not received a written acknowledgement of my inquiry. I have, of course, received a statement for my XXXX payment. The payment is now the correct amount, but my escrow balance is wrong. In addition, I am concerned that they tried to charge me some late fee in the middle of a transfer of service.
This company has rejected many of my disputes that I had with debt collectors on my report. I was able to remove all of the ones that was originally rejected by the reporting agency because the debt collector was not able to validate account. 

I thought that the credit beau, of all people, would validate the account when disputed, but they do not. They just always assume that the debt collector is right with no challenges. 

I was able to do it, why wasn't the credit reporting agency able to do this when i disputed? This is what they are suppose to do, right? In most disputes i would get a generic response saying that the debt has been verified and is a true debt and they leave it on my credit report with no explanation as to how they came to that conclusion or why. 

Some of the debt collectors that i successful removed from the credit report is as follows : 1 ) XXXX  county court 2 ) XXXX XXXX XXXX  3 ) XXXX XXXX 4 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX

8 ) XXXX XXXX XXXX XXXX XXXX  
9 ) XXXX XXXX Collections Department 10 ) XXXX XXXX XXXX I am working on a couple now as we speak.

NONE of these should have ever been placed on my credit report so that means that you do not validate the claims prior to posting them like you are suppose to.

I plan to sue this Company for damages to my credit, punitive damages and fraud.
I filed multiple complaints about ford kotor credit and how they are reporting on my credit. I filed an original chapter XXXX inXX/XX/XXXX, it was voluntarily dismissed in XX/XX/XXXX, refiled in XX/XX/XXXX and then dismissed but refiled in XX/XX/XXXX which is still open. The vehicle they are reporting derogatory and as a charge off was i cluded in this ch. XXXX bk. They are refusing to remove the atatus as charge off and continue to report derogatory late payments to my credit monthly. I filed a dispute on XX/XX/XXXX to have this be ipdated to reflect it NOT being charged off and having it reflect the wage earner plan reporting to be apart of my ch. XXXX bk. They only removed the amount owing ( XXXX ) since we surrendered the vehicle and show it as a charge off with original amount of XXXX and charge off amount of XXXX i do not find this fair that if it is included IN MY BANKRUPTCY AS A WAGE PAYMENT PLAN THAT THEY BE ALLOWED TO REPORT IT AS A CHARGE OFF ON MY CREDIT AND HAVE IT NOT TIED AS A RECORD TO MY BANKRUPTCY. They are reporting FALSE information and having it be inaccurate as they mark derogatory payments monthly as well.
On XX/XX/XXXX I made 3 separate payments to Synchrony Financial. A payment of {$300.00} another of {$800.00} and another of {$300.00}. For each payment I received an initial confirmation that my payment was being processed. On XX/XX/XXXX I received 3 separate notifications that my payment posted to my account on XX/XX/XXXX. My statement closes on the XXXX of each month at XXXX EST. On XX/XX/XXXX I obtained a copy of my credit report and it showed that XXXX XXXX Synchrony Account was updated on XX/XX/XXXX. However, the update did not reflect my 3 most recent payments. On XX/XX/XXXX, I contacted Synchrony Financial they confirmed that they did receive my payments and that it did post on XXXX. When I asked why the balance did not reflect my payments and why the statement did not include payments that were confirmed posted on XX/XX/XXXX, I was told the system had n't updated. My credit score has dropped tremendously based on the usage that is reflected. There are life changing things that I need to do and that drop in my score will prevent me from obtaining the necessary financing to do so. Based on the confirmation, when I made the payments online on XX/XX/XXXX I expected the updates to the credit bureau to be accurate. It is very misleading to receive a confirmation that your payment has posted and is in the current billing cycle but, what is updated to the bureaus may not reflect that. I have many other creditors and it is very clear what the cutoff times are for payments to post to my account. In the event their systems are unable to generate statements ( real time ) the statements are not generated right away. I believe Synchrony owes it to their customers to ensure they are reporting the most accurate information. Cut off times for payment should be very clear and included in verbiage of the e-mail notification for posted  payments. Like other companies Synchrony Financial should delay generating their customer statements to ensure their system has properly updated before sending erroneous and inaccurate information to the bureaus. I 'm hoping you can insist that Synchrony Financial puts a process in place to provide proper updates and send the corrected updates to the bureaus immediately.
I purchased a pair of shoes online with my Chase Sapphire Reserve credit card on XX/XX/XXXX. Card number XXXX. The item is sold year round and was advertised on the website for {$110.00} down from the retail price of {$490.00} for Father 's Day, but I was charged the full retail price + tax and the retailer did not want to honor the sale price. Chase offers a Price Protection insurance on their Sapphire Reserve credit card that will reimburse up to {$500.00} per claim for items purchased that are advertised for a lower price. I filed a claim on XX/XX/XXXX through their online claims center and uploaded a screenshot of the reduced price that I took when I purchased the item and my purchase receipt. A claim number # XXXX was assigned to me. After several days, I received a decision on XX/XX/XXXX that the claim was rejected due to being a seasonal sale. 

Chase 's terms and conditions state that exclusions include " Advertisements of sales of seasonal or discontinued items including, but not limited to, holiday decorations, clothes, or costumes '' Here is a link to their benefits. 
https : //www.chasebenefits.com/sapphirereserve These shoes are not a seasonal item as they are sold year round, but they are trying to extend this statement to seasonal sales. A seasonal item are products like Christmas trees, Halloween costumes, holiday cards, etc. I called their claims center to clarify and they are saying that according to their terms, they would not honor any seasonal sale including Black Friday, Mother 's Day, Veteran 's Day, semi-annual sale etc. The problem is that 95 % of retailers specifically time sales all year around these special dates, which would exclude basically a majority of their Price Protection claims. That is a very predatory practice to advertise an insurance service that most people can not even use. 

Please let me know if you can rectify this issue. All I want is for my claim to be properly honored. I can be reached at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX
Denied credit. when reviewing credit report from experian found XXXX/XXXX XXXX XXXX  XXXX indicating open balance of XXXX. XXXX XXXX XXXX XXXX, WI XXXX BYMAILONLY This account was fully paid off. Experian dispute site non-functional.
XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX {$880.00} ( shown as {$880.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX, parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.
Was in accident and was suppose be paid by workers compensation. Numerous calls were made to XXXX and spoke to XXXX and said not to pay it out of pocket and just wait for workers compensation to take care of this bill. They never did so I spoke to her and told her it concerned me regarding my credit and she said not to worry about it. I paid it in full on XXXX XXXX, 2015 and she stated all was okay on their part, now it reflects my credit tremendously due to XXXX XXXX XXXX sending to SARMA when I paid it before they submitted it in XXXX. Spoke to XXXX yesterday and said she would tend to it, but did n't recieve call back. Please help I have my receipt where it was paid in full back in XXXX
simons agency was supposed to remove negative info from credit reports per the CFPB investigation they did not!    XXXX   XXXX  requested they remove and they did not " The original placements provided by our client were submitted in  XXXX   XXXX . Additional placements were sent in  XXXX  and  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX . Each placement was followed by a letter to  XXXX   XXXX  at the address indicated in the complaint. There has not been any returned mail received from these mailings. Each notification letter includes complete instructions on how to submit a dispute regarding the balance due. Additionally, despite multiple attempts to reach  XXXX   XXXX  by phone there has been no positive response to any calls. He is claiming that  XXXX  has refused to accept payment arrangements but the file notes from  XXXX  indicate he would follow up with his insurance. There are no file notes between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  when he disputed his credit report tradelines and Simons confirmed the information to be accurate. As our client has requested the file be closed, the related tradelines will be recalled from  XXXX   XXXX  credit report ''
I am corresponding about my XXXX XXXX XXXX, which is a credit account/card administered by the Army and Air Force Exchange Service ( AAFES ). I admittedly fell behind on my bill back in XXXX as I could not find work after retiring from the military after 21 years of service. AAFES began to garnish my military retiree annuity to pay the bill in XXXX. Garnishments were taken in XXXX and XXXX then they stopped. In XX/XX/XXXX, I received a letter from AAFES advising me that the garnishment would start, and specifically states " the amount of the indebtedness is {$11000.00}. I began corresponding with AAFES in XXXX about the debt as I had repaid what I owed, however my annuity was still being garnished. In addition to that, AAFES had garnished my income tax refunds. AAFES directed me to contact " XXXX '' their debt collection agency. I have never been informed in writing that AAFES has secured their services to collect the debt. Additionally, I am unsure of what role XXXX is playing as AAFES has the order in to garnish my retiree pay and AAFES has been garnishing my income tax returns, not XXXX. I sent an inquiry to XXXX and it took two separate requests ( longer than 30 days ) to get a response. In XX/XX/XXXX, I sent a letter to XXXX, courtesy copying AAFES about the balance on the debt. To date, XXXX nor AAFES has responded. In the letter which I will attach, I provided a letter from the XXXX XXXX and XXXX XXXX ( XXXX ) my pay agent, as well as copies of my retiree annuity statements showing the deductions. I demonstrated how the debt had already been repaid, in fact overpaid. I asked for the garnishments to stop, a refund for the overpayments, and asked for proof of XXXX authority to collect this debt since they are not a Texas business. XXXX nor AAFES has responded to this letter as required within 30 business days. Request assistance, prior to my contacting the FTC with AAFES reviewing the letter that was forwarded to them in XX/XX/XXXX, stopping the garnishment, stopping any future holds on my income tax return and refunding the overpaid amount.
I am receiving calls from Focus Receivables Management claiming claiming "this is an attempt to collect a debt",

when I called, the XXXX question I asked is "Is this a debt collection agency"

they hung up immediately,

the return call number is XXXX
XX/XX/XXXX - XXXX, called me at XXXX XXXX, STATING I OWED XXXX XXXX XXXX   MONEY STILL. GIRL WOULD NOT STATE HER NAME. I FILED BANKRUPTCY ON THIS LOAN AND THE DISCHARGE OF DEBTOR DATED XX/XX/XXXX. XXXX XXXX XXXX WAS INCLUDED ON THIS DISCHARGE DATE. LOAN # XXXX DATED XX/XX/XXXX AT THE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX - PHONE # : XXXX AMOUNT AFTER LAST PAYMENT MADE ON XX/XX/XXXX WAS {$450.00}. LOAN # AND THE XXXX STATED IN THE BANKRUPTCY PAPERS. THE LADY STATED THAT I TOOK ANOTHER LOAN OUT AFTER MY BANKRUPTCY WITH THEM. THIS IS NOT TRUE AND SHE OFFERED NO PROOF. XXXX XXXX XXXX WOULD NOT GIVE ME ANOTHER LOAN ANYWAY AFTER FILINING BANKRUPTCY ON THEM. I DO NOT NO WHAT KIND OF SCAM SHE IS TRYING TO PULL OFF - BANKRUPTCY CHAPTER XXXX CASE NO. XXXX. SHE IS IN VIOLATION OF THE BANKRUPTCY LAWS AND I DO NOT APPRECIATE THIS!!! PLEASE HANDLE THIS AND STOP THE HARRASMENT NOW. SHE THREATENED TO FILE A LAW SUITE .
A representative called me from ARA INC stating that I owed a debt from XXXX XXXX and that they were going to sue me if I did not pay them {$16000.00}. I did not know about this debt, so the representative said he would transfer me to the fraud department. After sitting on hold for over 10 minutes, I call back the number that called me ( from the caller ID ), talk to the rep again and he then transferred me again. The man that answered said the debt was from 2005 ( over 10 years old ) and said " You must have been transferred here because you do not want to pay ''. I said if this debt is from 2005, it is over 10 years old and is a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ) so he can not report it, nor can he sue me for it. He said he was from a legal firm and would see me in court and hung up.
I HAVE TRIED SEVERAL ATTEMPT TO DISPUTE THESE COLLECTION DEBT THAT I DONT WHO WHERE THEY BELONG.I HAVE TRIED SEVERAL ATTEMPT TO BUT HAD NO LUCK WITH THEM.I ALSO HAVE BANKRUPTCY ON MY FILES THREE TIMES WHEN I COULD FILE ONCE IN A PERIOD OF FIVE YEARS TRIED TO GET THEM REMOVED BUT HAD NO LUCK
On XX/XX/2017 ... i checked my credit report and saw that i had XXXX hard inquiries on my credit report. I called the three companies over fours times with no results ... just holding on for 30 to 40 minutes and being passed from one department to the next one. I called XXXX and they did'nt follow policy correctly ... .i told them three times on the call that i wrote letters and no response and the XXXX agent told me to keep trying ... its nothing they could do for me ... ... i am so tire of the run around and games.I need help!
Credit inquirie was made on XXXX XXXX by XXXX XXXX XXXX XXXX without my knowledge.
AR RESOURCES INC.has XXXX collections reporting on my XXXX and XXXX reports.XXXX has removed.they are account XXXX in the amount of {$120.00} and XXXX in the amount of $ XXXX.The original creditor is XXXX and the duplicate collection is for a single service/bill So AR RESOURCES has double billed with a single digit account difference and a XXXX dollar fee difference and is verifying false information 3 times, according to XXXX.
I have notified Experian that I have been a victim of identity theft. The following accounts do not belong to me : 1. XXXX 2. XXXX 3. XXXX 4. XXXX Please assist me in getting this matter resolved.