WillisBack/dataset-financial-user-claim huggingface dataset:
I used my XXXX XXXX XXXX XX/XX/XXXX for an online purchase, and believed I had updated my address at that time. I forgot I made this purchase with this card ( I rarely use it ) and never received a bill. I got a collection call at my primary phone number on XX/XX/XXXX. I was informed they don't abide by mail forward so my statements were returned to them with no attempt to communicate with me, despite them having a valid cell number. I was told on XX/XX/XXXX I would receive a bill in the mail at the correct address. I never did, and when I called back to inquire in XX/XX/XXXX, I was told I have a valid complaint and to fax a letter disputing the interest fees and late charges. I did so. I never received a statement and called to pay the XXXX due on both XX/XX/XXXX and XX/XX/XXXX and was told they couldn't accept payment because the account was in dispute status. I was told I would receive a statement. Never received anything, no statement, no response to my fax letter of dispute. Called XX/XX/XXXX and the balance now has additional late fees and interest charges. My status is " account revoked ''. I want the fees and interest removed - this was XXXX XXXX fault for not forwarding mail, and I want my credit restored and XXXX XXXX to acknowledge their numerous errors..
We have told this creditor we can pay some after XXXX. Please stop calling just contact by mail. They call every other day at XXXX a.m. and we work from home.
I was led to believe that job placement in my field of study was 100 % in racking up {$50000.00} dollars of school debt. That did n't materialize and ca n't afford this debt on part time jobs. I finished with honors. I believe that I qualify for a complete loan forgiveness.
XXXX have a bill thats is 12 years old now ERC COLLITION AGENTS THEY REPORT IT AS A NEW BILL I HAVE THEM REMOVED THREE TIMES AFTER A COUPLE OF MONTHS THEY REPORT IT AS NEW AGAIN THE TIME HAS RAN OUT ON THIS WHY DO THEY DO THIS
I had my son XX/XX/XXXX at the XXXX 's Hospital of XXXX. During this time I was living at XXXX XXXX XXXX XXXX XXXX, TX XXXX. However, my mailing address is my Mother 's XXXX XXXX XXXX XXXX, TX XXXX. I never received the hospital bill, and did not know what the insurance didn't pay until my credit was affected. Once I realized I had a balance at the hospital I paid it off in full to the hospital. The debt collection company XXXX was the debt collection agency in which was responsible for sending a notice of payment to the credit bureaus, in which I had been promised would be a paid and deletion letter. Where I am at fault is I never wrote down the name of the woman that gave me this promise.The account was updated to being paid on my credit report, however it was not deleted of my report as promised. I have been in contact with the company XXXX about this issue and I am not receiving a solution. Now the company is telling me " deleting accounts is against their company policy '' which conflict with the original promise of deletion. I spoke with a representative today that stated " We only delete accounts when it is our fault, and it is not our fault you didn't pay your bill. '' As rude and unnecessary as that comment was it holds some insight on the fact that the company does do deletions. I then spoke with a supervisor to try to get a better handle on the situation. I told supervisor XXXX that I was told the collection would be taken off of my credit and regardless of company policy, if people are being told that accounts are going to be taken off of their credit report and then it be false information that's negligence on the company 's part. XXXX then told me " We have offices all over the United States, and different departments " and therefore insinuating that because I do not know the name of the person I spoke to I do not have proof. I feel that this company needs to be investigated because if I received deceptive information to get me to pay a debt then I am sure there are others. I feel wronged that I paid almost XXXX dollars to get this account off my credit report and it is still on there. I am trying to buy a house for my family and this is preventing me from doing so. I went from having a XXXX to a XXXX credit score. It is the ONLY thing preventing me from purchasing a house. I feel so helpless in this situation and I am hoping something can be done not only for me, but others that have been lied to by this awful company. I am not only a single mother but an elementary school teacher in the city of XXXX, and I can't afford to have hire an attorney to help me.
I have not had an account with this company and has demanded " validation of Debt '' twice now. I did not enter into any contract with this company and has not received any documentation at all from them.
On XX/XX/XXXX I attempted to access the payment history on my account and received a message that stated, " Please call the Bankruptcy Department at XXXX for assistance. '' On XX/XX/XXXX I called the number above and was transferred to XXXX XXXX XXXX, which is a third party company that handles all bankruptcy accounts for Ditech Financial. I spoke with XXXX XXXX xt XXXX, a representative for XXXX XXXX XXXX. XXXX XXXX informed me that my case was showing that I was still in bankruptcy. I informed XXXX XXXX that my bankruptcy had been discharged in XX/XX/XXXX. She placed me on hold and researched and found that my bankruptcy had been discharged XX/XX/XXXX. She stated that her company should not have received my account because they began handling all bankruptcy cases for Ditech Financial on XX/XX/XXXX. I asked how long would it take to remove the bankruptcy from my account. XXXX XXXX stated 3 months for Ditech to audit the account. I asked for a supervisor and was transferred to XXXX XXXX ( he did not give me a last name ). He stated that what XXXX XXXX had previously stated was true and he apologized for the inconvenience. He agreed to escalate the case and told me that he would contact the Consumer Financial Protection Bureau and file a formal complaint. My concern is that I can not contact Ditech Financial directly because my account status remains in bankruptcy and all of my calls route directly to XXXX XXXX XXXX. I am also concerned that a third party company has received my personal account information in error. Both Ditech Financial and XXXX XXXX XXXX were negligent. Ditech Financial was negligent because my account should have never been sent to XXXX XXXX XXXX. XXXX XXXX XXXX was  negligent because they never reviewed my account to see if it was in bankruptcy. XXXX XXXX told me that I can check back any time to check on the status of my account.
I have several student loans with Navient. I just graduated college in XX/XX/XXXX and received a notice from Navient that my repayments would be begin in XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I checked the Navient website and it stated no payment due until XXXX. As of XX/XX/XXXX they charged me interest for XX/XX/XXXX and XX/XX/XXXX,  and a late fee from 2008 (?! ) and are requesting a triple payment. When I called to inquire they stated my school had not updated the clearing house until XX/XX/XXXX. They said I owed all of the payments, interest and late fees regardless of the fact that this was an issue between my school and Navient. Best of all they offered me a Forbearance. That way they can tack on more and more interest to my student loan debt. I have called them twice and they refuse to help me other than to give me a Forbearance. I did everything I was supposed to do but yet I am getting hurt financially by a company that makes billions. I'm one student in America. How many other students are they doing this to? It's criminal.
I have asked  XXXX   XXXX  to review the way they have been reporting my credit to the  XXXX  credit reporting agencies. On  XX/XX/XXXX  they stated " we reviewed the account and found it was charged off on  XX/XX/XXXX  with the first date of delinquency being  XX/XX/XXXX . '' They further explain " based upon our research, we have determined that the information we originally reported was indeed correct. '' Federal law requires them to report with accuracy and integrity. They are not required by federal law to report any information.  XXXX   XXXX  has reported the charge off on my credit report for the past 73 months. A charge off is  a one tim e IRS write off on a worthless deb t. Reporting the   charged off every month does not meet the " integrity '' of the credit reporting. I spoke to  XXXX  in customer care on or about  XX/XX/XXXX  and she stated that " We do not remove information from the credit reports. We treat everyone the same. '' That tells me that I am not the only one that been effected by this type of reporting. I had  XXXX  credit cards closed by  XXXX  banks even though I had not missed a payment for two years because of the way   XXXX   XXXX   has reported this account. I was turned down for a mortgage in  XX/XX/XXXX , not because of the charge off, ( after all it is 6  years old  ) but because  XXXX   XXXX  has reported it every month making it look like a new charge off.  XXXX    XXXX   XXXX   has caused personal damage to me as I have been turned down by  XXXX  credit card companies,  XXXX  mortgage and my ability to rent a home.
Net Spend XXXX Texas XXXX has an agreement on small claims action. They agreed to stop payment XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX XXXX checks was not cashed only the one XXXX XXXX. We sent to Supporting Complaints Dept of Finicial Assistance XXXX XXXX XXXX XXXX Ny XXXX reference # XXXX Net Spend. They 2 Business days and some seem to leave job XXXX @ Finicial Dept Ammends must be made because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office tried to file false claims XXXXXXXXXXXX has them incontempt of court XXXX XXXX XXXX XXXX XXXX
Sometime after XX/XX/2019, Freedom Mortgage switched addresses and began sending mail to XXXX XXXX XXXX, the property for which they hold the note. However, it has been clear from the time I applied for the mortgage that my address is XXXX XXXX XXXX. 
So, Freedom Mortgage sent an unknown number of documents to the wrong address, including monthly statements and forced insurance documents, and, most importantly, a poorly noticed change of address for future payments buried in the monthly statement. 
On XX/XX/XXXX, my bank dispatched a check to the XXXX payment center. Although Freedom Mortgage received the check they sent me a letter with the check attached later that month they declined to cash it. 
In late XXXX, I contacted Freedom Mortgage because the XXXX XXXX check had not been cashed, and only because I called was the mess of the company changing my address and mailing all documents to the wrong place untangled. I asked to have the late fee waived and was told that it would be, but was urged to allow FM direct access to my bank account. Because it seems stupid to allow access to a company that cant keep its internal processes working right, I declined to let them have at my checking account. Instead, I paid by check the next day ( XXXX XXXX XXXX day ) and the check was cashed within days. 
This month, I received a statement for a late fee of {$43.00} that does not say which payment was late. Only XXXX was late because of their internal errors. I have sent a check to cover the late fee so it doesnt spiral, but I want that late fee refunded.
I spoke with a US Special Handling Supervisor by the name of XXXX about some inquiries that I did not recognize or authorize. I am a victim of identity theft and I 'm aware that any fraudulent and inaccurate information should be removed from my credit report. I explained to him that I had already contacted the company and they stated that I should call the credit bureaus, because they have no application or account with my name. XXXX also stated that he could n't dispute the inquiries, because he 's not allowed to which I know is a lie. I 've never had a problem with getting inaccurate information disputed. He was being very rude and yelling over the phone instead of trying to help me. I feel like my FCRA rights are being violated. 

The inquiries are : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/2017 XXXX XXXX/2017
They contacted me and stated I owed over {$1300.00} from a XXXX XXXX account. I was at work and extremely busy and stressed to even verify the information. They kept calling me and threatened to garnish my wages and take me to court, etc. I am the only person working in a XXXX person family, so I could n't take my chances. I ended up paying {$260.00} as a deposit and {$170.00} in XXXX and {$150.00} in XXXX. At last, I verified the information with XXXX XXXX and they stated I had to past due balance or anything at all. I asked then about their collection agencies and they gave me names, but not Western Portfolio Assets.
XX/XX/XXXX I received a XXXX from XXXX, reflecting a cancellation of debt. I paid tax to the IRS for the amount owed. As of XX/XX/XXXX XXXX is still reporting this cancelled debt amount on my credit report as a balance amount past due. XXXX insists that in order for them to report a XXXX 'balance owed ' to the credit bureaus, I will need to pay XXXX the entire cancelled amount. This balance should not be reported to the credit bureaus as an amount past due. The account was written off by XXXX XX/XX/XXXX.
I use Wells Fargo company strictly as a reserve banking institution, because all of my everyday spending and drafting from companies come out of XXXX XXXX XXXX Accounts. For a majority of my history with them all I do is deposit funds with the hopes it will stay out of sight out of mind and build up for my families future. I had a checking account only, but signed up a month ago for a savings account and was supposed to get a XXXX bonus for that. So far no credits. Over the last month I have put a large amount of money in this savings account ( only making deposits ) and Yesterday XXXX/XXXX/2016 I noticed my balance was lower than expected. When going back to check this online I found a XXXX XXXX was taken out of my savings account ( XXXX ) in the amount of XXXX posted on XXXX/XXXX/2016 but apparently performed XXXX/XXXX/2016. 
Through horrible service I was disconnected multiple times and routed from one group to another who kept saying I had to go to Merchant Services, and when I spoke with them they would n't even talk to me since I was n't a business. I finally got someone to say they would file a claim however I find it very disturbing that money can be taken out of my account without my permission. 
From my understanding someone must have gotten into my account when I was logged into an unsecure business, and according to one rep someone named XXXX was put on the account as an Authorized user???? How can this happen that Wells Fargo can allow this without Authentication and my signature to allow someone to be on my account. They definitely used enough security demanding me 17 times to prove who I was trying to dispute this, why not when protecting my money. That to me is a breach of customer privacy and protection. I would like someone to please assist me in returning these funds to me.
I am a victim of identity theft. I have numerous unauthorized and fraudulent accounts listed on my Experian credit report. I have sent XXXX police reports in regards to the unauthorized accounts, but the accounts is listed on my credit report. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, U.S. Dept of Education/XXXX, U.S. Dept of Education/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
To Whom This May Concern : I contacted Moneygram on XX/XX/XXXX to transfer transaction # XXXX, from a XX/XX/XXXX request of {$100.00} for XXXX XXXX from a Georgia pickup to a Florida state pickup. Moneygram advised me that they were unable to transfer a transaction state to state and that I had to submit a new Moneygram. 

I did and that transaction # XXXX was submitted for another {$100.00} to XXXX XXXX for a Florida pickup. He did pick that transaction up with no problems. 

Moneygram advised me that transaction # XXXX had to be canceled and it would be refunded back to my account within 3-10 business days. I contacted them after 10 business days and was advise it could take up to 30 days. 

After 30 days, I contacted my bank XXXX XXXX XXXX, to submit this claim. To date, Moneygram has yet to refund me the {$100.00}. XXXX did replace my {$100.00} in my account back in XX/XX/XXXX ( as you can see on the attached forms ) and after receiving documents from Moneygram stating that my son had picked up the monies, XXXX sided with Moneygram on this claim. TO BE CLEAR, TRANSACTION XXXX WAS NOT EVER COLLECTED AND I HAVE NOT BEEN REFUNDED MY MONEY AND IT IS NOW XXXX. ( XX/XX/XXXX ). 

After speaking with the XXXX claim agent on XX/XX/XXXX maybe XXXX filed a claim on the wrong transaction. So with this document and the ones attached, prayerfully we should not have anymore miscommunication. 

Now when I contact Moneygram on today XX/XX/XXXX, they are saying that they refunded my money on the same day ( XX/XX/XXXX ) that the transaction was canceled, how is that possible, when their policy clearly states 3-10 business days. 

Please help, this company keeps stating that they refunded my funds and they did not. 

Thanks, XXXX XXXX
This debt was in the hands of XXXX, I disputed it with them and it was deleted from all XXXX credit bureaus. A few months later I am applying for a home loan and it shows up with a new lender ERC, I have never been shown proof that the account belongs to me. I have had XXXX for over XXXX yrs, no need for XXXX It 's inaccurate information.
We mailed our monthly mortgage payment to Provident Funding on XXXX XXXX. However, Provident did not cash the payment until XXXX XXXX. In the meantime, Provident assessed a late fee on our account. 
On XXXX XXXX, prior to the assessment of the late fee, I emailed Provident to find out why our payment was n't cashed. However, I did not receive a response until the late fee was imminent. 
Provident assessed the late fee on XXXX XXXX, then decided to cash our check the next day.
I called on XXXX/XXXX/XXXX and asked about a XXXX negitive mark / bill on my credit report. I asked if they could do a settlement because I need that mark removed.i was told that they do n't do settlements and that I could make payments or pay in full and then it would be removed ones all of the money was paid. I said ok can I get all of that in writing. The lady said yes verified my address and said she would send it right out. On XXXX/XXXX/XXXX I I got a letter in the mail saying that I owe XXXX and I had a payment due XXXX/XXXX/XXXX. When I did not respond I got another letter that was out of line with false statements I never made and a higher amount than the last letter XXXX at this point I do n't believe I owe any of this bill.
I am writing now in wish to obtain your help. Currently I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important part in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX  and XXXX ) on XX/XX/XXXX and I am submitting this in order to have this remark retracted. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.
I am a California homeowner that was working with Residential Credit Solutions , Inc. the servicer of my mortgage loan for a loan modification. During the loan modification process they were also proceeding with the foreclosure process which is a violation of the California Homeowner 's Bill of Rights " Dual Tracking '' prohibition. Although I supplied Residential Credit Solutions , Inc. with all the necessary documentation they requested, they sent me a letter stating they did not receive the documentation ; I have proof that it was faxed to them at the fax number they supplied. They contacted me after that letter and asked me for additional information giving me a very narrow timeframe to provide it ( 2 days ). I provided the information they asked for the week prior to the foreclosure sale but moved forward with the sale anyway and I lost my home. They also sold my home for less than what was owed to them but at no time did they offer me the opportunity to pay them less to save my home and they did not properly handle my loan modification application. There are numerous complaints against Residential Credit Solutions , Inc. and XXXX XXXX XXXX XXXX, XXXX and there is another case pending in California courts, see XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX et al. in the United States District Court, XXXX District of California, with nearly the identical circumstances where the homeowner sent in all the required paperwork for the loan modification but Residential Credit Solutions , Inc. claimed to have not received everything they needed and proceeded to foreclose. It appears that this is a pattern of practice by this company and their foreclosure trustee XXXX XXXX XXXX XXXX, XXXX. to unlawfully foreclose on people 's homes.
Having been affected by the hacking breach of Equifax, I have yet been able to sign up for their credit protection offered after their breach. Their website is yet to be working.
ON XXXX XXXX 2016 I SUBMITTED AN OFFICIAL CHECK REQUEST ONLINE TO XXXX FOR XXXX $ TO BE MAILED TO PAYPAL CREDIT. THE CHECK WAS MAILED ON THE SAME DAY AND CASHED BY PAYPAL CREDIT AROUND XXXX XXXX 2016. I WAS FAXED A COPY OF BOTH SIDES OF THE CHECK THAT WAS MAILED FROM XXXX. IVE HAD XXXX CHECK RESEARCH REQUESTS SUBMITTED AND " COMPLETED '' BY PAYPAL AND THE XXXX $ HAS NOT BEEN APPLIED TO MY ACCOUNT BALANCE. I 'M CONTINUING TO COMMUNICATE MY ISSUE WITH THE COMPANY AS THIS TIME, AND WILL ALSO BE REPORTING PAYPAL TO THE XXXX. I HAVE CLOSED MY PAYPAL ACCOUNT AND WILL PAY THE REMAINING BALANCE DUE.
I once again find myself filing a complaint against Seterus. I am in the process of refinancing and requested a verfication of mortgage on XX/XX/2017. I was told by the agent that it would be sent to XXXX in 3-5 days. I called on XX/XX/2017 and was advised by a differant agent that they were short staffed and it would be sent out no later than XX/XX/2017. It was not sent and I spoke to yet another agent at Seterus who told me it was 5-7 days and with Monday XX/XX/2017 being a holiday the information would be sent on XX/XX/2017 at the EARLIEST. This has delayed my closing as this was the final document that I needed to close. Seterus is deliberately delaying this process that has caused my rate to climb from 3.75 % to and unknown figure well above 4 %. I do n't know how many complaints you must receive before anyone in the government takes action against Seterus. I will seek my remedy through my Congressman and the Virginia Attorney General 's Office and consult with an attorney on my legal rights.
I received a phone call from Southwest Credit Systems regarding a debt that was in my name and owed to XXXX XXXX XXXX XXXX. I had to request that they send me a notice in writing as they had not at that point. 

When I received the notice, I submitted a debt validation request listing the items needed to validate the debt. Southwest Credit Systems sent me a final bill with an address in which I did NOT have service as service is NOT offered by XXXX XXXX XXXX XXXX in this area. Before the debt validation time elapsed, Southwest Credit Systems placed this item on my credit report, unverified. I responded to their " final bill '' stating that this was NOT considered validation of the debt and to cease collection efforts and remove credit bureau listings. They have failed to do so and they have failed to respond. 

They have now violated my consumer rights, the Texas Business Code, FDCPA and the FCRA. A final bill is NOT considered debt validation.