WillisBack/dataset-financial-user-claim huggingface dataset:
continued attempt to collect a debt with failure to provide verification under the fair debt collection practice act notice of validation was sent by myself on XXXX/XXXX/2016 via U.S.P.S. certified mail tracking XXXX notice was received on XXXX/XXXX/2016 and proof mailed back to me return receipt # XXXX they failed to provide the following information Explain and show me how you calculated what you say I owe, Provide me with copies of any papers that show I agreed to pay what you say I owe, Provide a verification or copy of any judgment if applicable, Prove the Statute of Limitations has not expired on this account, Show me that you are licensed to collect in my state, Provide me with your license numbers and Registered Agent. 
continued efforts have been made to collect the debt without validation under the fair debt collection practices act.
In XXXX 2015, I completed my annual certification for my income based repayment plan. After this submission to FedLoan Servicing, the private company contracted by the Federal Government to service Federal student loans, I received an email confirmation stating that my annual re-certification had been received. I monitored my account online for about XXXX weeks and when I noticed that my re-certification had not been processed I called Fedloan Servicing to inquire. I was told that I had incorrectly completed the application. I knew this was incorrect so I called back. The next representative told me that there was simply a backlog and that it would be processed soon. Finally, the third time I called I was told that there is a process that I must go through in order to go from Income Based Repayment to Pay As You Earn, XXXX of the income based repayment programs. The process was initiated where I would make one payment before moving to the Pay As You Earn repayment plan. This bill never came. I called back and after being given wrong information from the representative for the third time I asked for a supervisor. The supervisor informed me that everything was in order but they were very busy and I would have to wait for my account to be processed. This conversation took place in XX/XX/XXXX. It is now XX/XX/XXXX and five months since I submitted my initial application and still no action has been taken by Fed-loan Servicing. To make maters worse I am now receiving delinquency letters but being told to ignore them by representatives of FedLoan Serving. I have also had to call Fed-loan Servicing on my own to make sure they do not automatically bill my bank account for bills that FedLoan Servicing admits are being generated in error but can not do anything about. Had I not called they would have removed over {$3000.00} dollars from my bank account. I would greatly appreciate the CFPB 's assistance in dealing with this Servicing Company so that I can avoid any negative credit reporting or other damaging results caused by FedLoan Servicing 's incompetence. I would also add that I am an attorney with some experience dealing with student loans and would expect that many thousands of inexperienced borrowers are harmed by FedLoan Servcing daily due it 's incompetence. Thank you for your kind consideration.
this loan was discharged in a bankruptcy in 2010 and PNC will not take the lean off of our house. I am a widow, XXXX years old and have to handicap XXXX.. I am on a fixed income.
I requested vailadation on XX/XX/XXXX from XXXX XXXXXXXX XXXX. And was sent back a letter stating it was with XXXX XXXX. In which I, sent them a letter to validation and instead I, was sent a offer to settle. Either company has sent me any validation to this debt. Also, I sent XXXX XXXXXXXX XXXX another letter stating that the account is still showing a balance and can they send me validation again. Never received it. I then sent a letter to XXXX on XX/XX/XXXX for validation and the same results but they only sent me a offer for a new card on XX/XX/XXXX.
For the last four months I have sent dispute letters, validation letters to creditors for items tha are being reported on XXXX and TranUnion for unauthorized inquiries on my Credit Reports. Today which is XXXX I called XXXX and TransUnion only to be talked to rude as XXXX by the representatives. All of my information was involved in the breach and the inquiries that are on my credit reports are unauthorized from fraudulent activity. XXXX removed two but then the rep proceeds to tell me that she ca n't remove the other two because I have to contact the creditors. Well if this was the case or even true then why did she remove the two she removed? No inquiry that is on my TransUnion Credit Report is authorized by me. The rudeness I encountered today was beyond words. I called XXXX and the rep was so rude she would n't even let me get a word in. She then tells me that XXXX is not authorized to remove inquiries, I sat right next to my husband as he talked with reps from XXXX and TransUnion that removed his inquiries without any hesitation. He gave the reps the exact same reason I gave them to have his inquiries removed. The inquiries are preventing me from establishing my credit and stopping me from moving forward in my business. I just want the unauthorized inquiries removed.
Early XXXX 2017 I applied for a Capital Ome Credit Card. I was sent a letter stating I needed to upload my SS Card, Physical Address. ( I applied with my XXXX XXXX # ) XXXX XXXX, 2017 : Letter from Capital One dated XXXX XXXX, 2017. XXXX XXXX, 2017 : Uploaded SS Card, ID, piece of mail.
XXXX XXXX, 2017 : Spoke with XXXX Corp Office. She ask me to resend my Documents..
XXXX XXXX, 2017 : Fax Capital One my Documents again including my light bill ( Physical Address ) XXXX XXXX, 2017 : Spoke with XXXX Documents not Accepted I needed to re fax Documents. ( Customer Service ) XXXX XXXX, 2017 : Spoke with XXXX  Corp Office. Confirmed I needed to re fax my Documents. XXXX  stated he is n't understanding what 's going on. I have uploaded, Fax everything Capital One asked me for.
XXXX XXXX, 2017 : Called Corp back left message for Dominque to give me a call.
XXXX XXXX : Finally Credit Card Application Approved.
XXXX XXXX, 2017 : Finally get a email Capital One will be semding my Credit Card.
XXXX XXXX, 2017 : Finally the Card has arrived. However the Credit Card is restricted.
XXXX XXXX,2017 : Called Capital One why is the card restricted? Capital One stated it was fraud a glitch in their System.
XXXX XXXX, 2017 : Emailed the CEO of Capital One.
XXXX XXXX, 2017 : Filed a Better Bureau Business Complaint.
XXXX XXXX, 2017 : Completed another Capital One Credit Card Application.
XXXX XXXX,2017 : Spoke with Fraud Supervisor XXXX, XXXX. No Fraud was done on my behalf. I sent in my correct, accurate infomation.
XXXX XXXX, 2017 : Spoke with 1 ) XXXX ( Account Supervisor ) 2 ) XXXX ( Customer Service ) 3 ) XXXX ( New Account Supervisor ) 4 ) XXXX ( Corp Office ) 5 ) XXXX ( Fraud Prevention ) What Fraud?
6 ) XXXX ( Fraud Prevention ) 7 ) XXXX ( Account Specialist ) Seven different people in one day. XXXX XXXX, 2017 : XXXX ( Customer Service ) Stated notes are in my account.
XXXX XXXX, 2017 : Called Capital One back asking for another look into my Credit Card Appliation. I 'm NOT understanding any of this. All these workers I have spoke to at Capital One. Faxing, uploading my information/Documents. Only to receive a Capital One Card I ca n't use. XXXX XXXX, 2017 : Called Capital One back the other Department is looking into my Application Dated XXXX XXXX, 2017. Even though they might have to run my Credit again. Why? Capital One already ran my Credit. It 's NOT my fault it was a glitch in Capital One System. When Capital One ran my Credit point was lost. Capital One sent a card giving me a line of Credit only to close the Account. Again taking a lost of XXXX points off my Credit Score. Now Capital One is stating they have to run my Credit again? Even though Capital One just ran my Credit XXXX 2017.
XXXX XXXX, 2017 : Called Capital One back speaking to yet another Fraud Supervisor. ( Forgot her name ) She was very nice, apologize on Capital One before. Asked another Department to put " System Error " NOT Fraud on my notes. Another Department the Back Department suppose to take another look into my Capital One Credit Card Application dated XXXX XXXX, 2017.
I transferred {$300.00} from Chase quick pay to My sister 's XXXX account by using her phone number as an identification. She got the message that the money will be deposited and the confirmation number. However, she never received the money. I talked to Chase, and they said the money was deposited to a XXXX account which was not my sister 's account. XXXX said my sister registered her phone number after the money was transferred, so the money was deposited to another account. Is n't the money supposed to be in transit if the phone number was not registered and will be kicked back to my Chase account? My sister has been using this phone number for 3 years. So her phone number could be stolen. And now XXXX has no way to chase back the money. This is absolutely unfair to me. XXXX does not even take my claim. I claimed with Chase, however the dispute was not successful since they can not connect to the person who has the money. If they tried to called the person, then my sister could get the phone call, but she never did. So i am wondering if XXXX really tried to connect the person who gets the money and helped me chase back the money. The service of XXXX was really really bad.
I went on a Cruise with XXXX and notice a discrepancy with my Blue Bird XXXX that reflected duplicate billing activity. I immediately contacted American Express Bluebird XXXX at XXXX and informed the Service representative of the incorrect Holds placed on the account by XXXX. I was told at this time that I needed them to provide documentation stating that these holds were in error. I contacted XXXX Guest Care Team at XXXX and was told their procedure was to fax this information to provide immediate release of these Holds on my Debit Card. I contacted American Express Bluebird XXXX XXXX at XXXX and requested a fax number and was told there was no fax number. I asked to speak with a supervisor who also told me there was no fax number. So I googled American Express and contacted them at XXXX and asked for a fax number to remove the holds on the XXXX XXXX. I was given a Fax number to their XXXX XXXX XXXX and the XXXX Representative stated she was forwarding the information to the department that handles these concerns. The above actions took place on XX/XX/2016. Today, XX/XX/2016, I contacted XXXX to inquire if they had faxed the information and was told it was sent XXXX XXXX, 2016 and they had a confirmation. I then contacted American Express Bluebird XXXX at XXXX and was told the fax was not according to their policy and the Holds on my XXXX XXXX would remain until XX/XX/XXXX. The XXXX Representative continuously stated their 30 day hold without justification for an erroneous hold. Therefore, I am filing this complaint.
The following items, I have never had accounts, with these vendors, my credit was perfect and I have continued to get negative items, on my credit report, that are not my account. I have several energy accounts, that aren't my credit account.

The following accounts are listed on my credit and I have never received any, communications, regarding the accounts. They were just posted to my credit report.

XXXX XXXX   original creditor ( XXXX XXXX XXXX ) Acct # XXXX   Phone # XXXX XXXX XXXX  original creditor ( XXXX XXXX  ) Acct # XXXX Phone # XXXX XXXX XXXX   original creditor ( XXXX XXXX XXXX XXXX ) Acct # XXXX Phone # XXXX XXXX XXXX XXXX  Acct # XXXX Phone # XXXX
I piad off my balance in full on XX/XX/XXXX statement and i see a charge for interest fee that I don't understand. They give a reason of revolving balance for last month but make no sense to me on this statement. I understand on XX/XX/XXXX Statement I didn't pay in full and carry a small amount over to XX/XX/XXXX statement that dont explains why they charge this amount of interest fee from last month. Yes I used the card on the month but the charge balances and interest should be pay on next month not charge me early within the statement period.
I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FCU with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
My mortgage services is Residential Credit Solutions. To pay the mortgage only line they charge a minimum {$5.00} fee. Not wanting to pay the fee, I am forced to mail a check every month. the last 3 months, despite mailing the payment in at least 5 days in advance each time, RCS does not process the payment until XXXX+ weeks after the payment has been mailed. They then charge a late fee for receiving the payment after the XXXX of month. They should not be charging a fee to accept an on time payment processed online thorough their website. they claim they are not a bank so there fore they have to use a XXXX party service who charges them fee and the the consumer must pay the fee. they claim they can not control the post office, but it does not take XXXX weeks for mail to arrive to a domestic location. I have now been charged {$140.00} in late fees, plus been forced to pay an addition {$10.00} in online payment fees
On XX/XX/XXXX a person named XXXX XXXX called from XXXX XXXX XXXX XXXX stating that I owed XXXX to TD BANK and that he was an attorney hired by the bank suing me from this amount owed XX/XX/XXXX. He said that I would be served papers from XXXX XXXX XXXX. The same company also contacted my family member that I do not live with stating the same, that they would be serving papers to her home if I did not contact the company right away. XXXX XXXX said that there was a pending lawsuit out against me but that I could settle for {$310.00}. He also told me that the amount was reported to my credit report which it is not and that they have tried to contact me back in XXXX also not true. I gave him my credit card number and he said he would be emailing me a contract to sign. I did receive the contract with the address XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I decided to XXXX the company XXXX XXXX XXXX and it gave me the name XXXX XXXX XXXX, a fraudulent company. I immediately called TD Bank, I spoke with XXXX, she stated that they do not use that company to collect debts and that I did not owe XXXX. I do however owe {$110.00} from an overdraft that happened XX/XX/XXXX. XXXX XXXX called me today XXXX because after I found out I canceled my card. I told him I knew they were fraudulent and that TD Bank said they do not use them for collection attempts. He told me that was incorrect. They called my aunt stating they would be serving her papers because she is the custodian of the account and would have to pay. I then called the company back and the receptionist simply told me that " The firm was declining my call and would not speak to me. ''
I am the co-signer with students loans serviced by Navient. They have consistently applied the money to the wrong account and then charged me a late fee. I decided to end this by having them automatically deduct the money form my bank account. Yet each month they delay the start date, so I have to send a check, which they again apply to the wrong account.
Since XX/XX/XXXX, we have a home mortgage loan with Caliber Home Loans. We were affected by Hurricane Irma in XX/XX/XXXX. Caliber told us that we qualified for a 2 month forbearance for the months of XX/XX/XXXX and XX/XX/XXXX. We were under the impression that our payments that were not made in XX/XX/XXXX and XX/XX/XXXX would be added to the end of our loan. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX we continued making our regular mortgage payments by calling in over the customer service line. Caliber stopped allowing us to pay our bill online and were required to either call in ( for a fee ) or mail a check. Each month our mortgage statements stated that we are delinquent although we were a part of the natural disaster. We were also charged a fee for an " inspection '' that we were not aware of until after the fact in XX/XX/XXXX. This was not disclosed when we started the forbearance by the representative who we spoke to. We were treated like we simply stopped paying our mortgage instead of being a part of the natural disaster program. The process was not as simple as they made it sound and in fact has caused a lot of hassle and complications. 

I spoke to an agent on XX/XX/XXXX in regards to our statements showing a past due balance and being delinquent to get a better understanding of the entire process. The process feels very deceitful because now we are forced to do one of two things : 1 ) Bring the loan to current status by paying the entire 2 months at once or 2 ) going through a loan modification which increases our loan length and our loan amount by thousands of dollars. The agent said that many customers were calling in with similar complaints. The representatives who enrolled us in the natural disaster forbearance did not disclose these additional details. It seems to be that Caliber is taking advantage of customers who suffered during a natural disaster.
As of Tuesday, XX/XX/2017, EXPERIAN is still knowingly and illegally reporting a debt of {$0.00} to XXXX for XXXX 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. XXXX balance and past due amount is reflected as XXXX on report. This record contains multiple inaccuracies purposely known and reported by XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$0.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.
On XX/XX/XXXX, I updated my insurance information to XXXX. XXXX did a background check on my driver 's license at that time. XXXX received from the company, Checkr, who does XXXX background check, some wrongful information concerning my driver 's license, causing XXXX to fire me. The information from Checkr, showed that on XX/XX/XXXX, I had a driving violation of XXXX XXXX, which was wrongful information. The actual violation was XXXX XXXX XXXX XXXX XXXX XXXX XXXX after change of name or address. In my case it was my address. I had failed to change my license to the address I was now living in the allotted time that I was suppose to. After back and forth phone conversations with XXXX and Checkr, it was to no prevail. On XX/XX/XXXX, I went to XXXX XXXX, in XXXX, MN., there I presented my document to them, they scanned my document and forward it to XXXX. I then contacted Checkr, who stated that they had received the wrongful information from my DMV, in Minnesota. I went to XXXX headquarters, today, XX/XX/XXXX, to get a certified document to show that the information that Checkr, is providing is incorrect.
In XX/XX/2015 I noticed an unknown entry on my Equifax credit report from a " XXXX Collection Service '', which also goes by the name " XXXX '', Acct # XXXX. On XXXX, I sent a certified letter, was received on XXXX, requesting validation. I did n't get a response at all. In a letter sent XXXX, I disputed the above tradeline with Equifax. In a response dated XXXX, Equifax " Verified '' the entry.
A computer glitch that was Transunions problem, not mine has caused inquiries to be deleted from my credit report which they later placed back on my report without a legal 5 day written notice. I contacted Transunion in good faith to ask that they delete what was re-added they chose a few to delete. These inquiries that I did n't authorize are causing a hardship and my rights were violated.
Last year, our mortgage company ( XXXX XXXX, XXXX ) was sold to a new company ( Lender Live Network ). Since then, we have had a number of issues. We recently have undergone a bit of financial hardship, and we have attempted a number of times to setup repayment plans through LenderLive. Throughout this time, I have had no access online to see details around my account, including any fees charged, amount due, contracts or confirmations to these plans, etc. Everything had to be handled by phone. At first, I trusted that this would be sufficient. However, after allegedly not receiving our first payment or the signed form for the payment plan, my home was put into foreclosure. I was later sent back the personal check that was sent in and informed that it needed to be a cashier 's check for the first payment. Although this did not align with what I was informed, it still seemed a reasonable explanation. I had to agree to fees to pull my mortgage out of foreclosure. This process would take 24 hours is what I was told. It took over a week. The fees were not waived and nothing was done for this. No one communicated with me in this time, and since I do not have access to my account, I had to call every day to get an update. No one ever had an explanation other than to call again the next day. Finally, this was completed and a repayment plan was setup again. I was told I would be sent back the other check they had received from my previous repayment plan which I could in turn send back toward my new one. They never sent it back, they actually deposited it. This is yet another time what they told me over the phone conflicted with their actions. Since then, I sent in XXXX additional checks toward my mortgage. Last week, I received notice my home was going into a Sheriff 's Sale. I called immediately and was informed they have n't received payment since XX/XX/XXXX. I explained this was false, and even have a copy of the check that was deposited into their account that they claimed they would be sending back. They told me to send me all of the check numbers, amounts and dates and that they would submit them to " Payment Research ''. Since I have received so much conflicting information over the phone, I sent them an email via the form on their website requesting all communication be through email going forward, so that I would have documentation of what I was being told. I also faxed in copies of the XXXX checks that have been sent to them since XX/XX/XXXX, including the one that they already had deposited in XX/XX/XXXX. I requested that my mortgage be pulled from foreclosure, that I receive either access to my online account or a statement showing activity to my account, and that any fees be reversed due to the disorganization of their company, because I find it hard to believe that XXXX checks got lost in the mail, and they will not allow me to pay via any other method. I did not receive a response. Today I sent them a follow up with the same requests, saying that if I again do not receive a response, I will have to involve an attorney so that my home does not go into foreclosure due to their disorganization and refusal to communicate or work with me.
I was preapproved for a Mortgage with 10 % downpayment and a fixed interest rate. After submitting an offer on a house and paying for Earnest money, inspections, application fees, and 2 weeks away from the closing date, my lender informed me that they now required a 20 % down payment and were increasing the quoted interest rate by .6 %. The house offer was made and planned for based on the preapproval and I do n't have the additional 10 % down payment available. Because of the late notice, it is near impossible to get financing with another lender before the closing date.