WillisBack/dataset-financial-user-claim huggingface dataset:
LVNV FUNDING LLC HAS VIOLATED ALL MY RIGHTS. THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. This is not my debt or it is a fraudulent account and it is not my account. 

After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge. 

Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all 4 request not some. 

Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account
I have an XXXX XXXX  American Express Card. I paid a {$95.00} annual fee in XX/XX/XXXX for the remainder of this year and the beginning of next year. I just received notice that the card 's terms has changed and they changed the rewards my card. I told the card company I refused to accept the changes and cancel the card. They however, refuse to refund the {$95.00} fee and also are refusing to cancel my card
At the end of XXXX, we were with another servicer, XXXX XXXX. They were really amazing to work with and they had helped us successfully go through a modification early in XXXX. We have a severely XXXX and XXXX XXXX child, and at the end of XXXX fell behind by 2 payments due to hospitalization.. We were approved to defer them to the end of our term by our prior servicer, XXXX and get our program back on track. Everything was explained to me, and they were very very helpful. But the deferment never took That never happened because our mortgage got sold apparently in XX/XX/XXXX. It took us awhile to get in touch with someone regarding the deferral, and Fay Servicing was the New servicer. I explained to them what was going on due to our sons illness and how my lack of income is a result of this. ( My husband has an excellent job and has since XXXX ) I was told that I had to submit a complete hardship package of documents to be considered for help. So I did this. I was contacted shortly after sending documents and told that there were additional things needed. So I send the additional documents. And waited. I finally called and found out that even though I was told via a phone call that everything was received, they said our file was CLOSED because of incomplete documents. 

And they also had put our loan into foreclosure status which we were not notified of. I discovered this when I tried to send payments in, and payments were returned to me. 

They had me resubmit a complete full package of information including details on the reason and nature of my sons medical condition and XXXX. ( he was born with a XXXX XXXX and we have strived to take care of him in our home. Made accessibility renovations and improvements etc. ) Over the next several months of XXXX I submitted 3 hardship request packages ( per their instruction ) and each time they almost immediately sent me a generic denial letter for all programs. That letter instructed me that we could file an appeal. This was done twice. 

Our loan representative was changed 3 times since Fay took over. I was only made aware of this when I called in for updates. 

I was completely frustrated, because so many documents were submitted over and over. And then we were told that they were incomplete even though we had sent in everything. 

The loan delinquency was increasing, but I couldnt make a payment ( I tried to several times in good faith but all checks came back ). 

Finally, in XX/XX/XXXX a third new representative called me. He began questioning me on our intentions with our home. I stressed to him that we have a severely XXXX son, that our youngest is in school her
On  XXXX  I sent over a certified letter of dispute for a number of erroneous accounts and Alias, Phone Numbers, Address, That Are REPORTING INCORRECTLY to Be REMOVED i sent over also my State ID as proof. I also Asked : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Se c. 605, 609, and 623.  On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without, it must be removed. They sent no proof just papers that was generated not from original creditor but it said verified nothing was used to match up information fro m Original Creditor and   XXXX ,  XXXX , Experain, with is in violation of the law ... ..
I purchased a lease vehicle from Toyota financial and they have been adding misc charge and said it was taxes in the sum of {$2000.00} dollars. My lease ended in XXXX and they said I could extend my lease for 6 months and the payment would be approx XXXX. I called to make a payment and I was told my payment is {$470.00} approx a month for a XXXX toyota corolla. I believe i refused to purchase a lease vehicle from the dealer and all of a sudden my expenses have gone up. I have no letter stating my monthly payment. even on the website the total for 2 months is XXXX yet the agent on the phone told me it was over a XXXX even though on the website on my account it says XXXX. Their numbers are not matching and I feel like i am being cheated. I have had terrible service with Toyota financial due to these issues.
I had two accounts one a secured card with a {$250.00} credit limit this card had three returns from my bank, and two payments that was 30 days late. The rest of my payments on this account was paid on the due date or before and I always pay extra. My second card was a Quicksilver card with a {$500.00} credit limit. This account has only had one payment that was 2 days past my due date. Before I received my first statement for my Quicksilver card I was turned into the fraud department. I was told that due to my missed payments I needed to show proof from the bank that this was not my fault. My bank faxed in the documentation showing that it was the banks fault and the bank corrected those payments within days of being rejected. I then received a phone call from the executive office stating thank you for sending in the documentation that we have asked for after review of your account it has been determined that your account will be reactivated this was 7 months ago. Every time I call I have been told that I have to have the bank re fax the documentation and that my account has been closed. Also every time I have called to discuss the situation with Capital One I am advised to apply for a credit card because my payment history shows that I pay on time and more than what is due. I have reapplied as they stated 5 times and every time I get denied. On my credit report it shows both accounts closed by creditor but just this month my Quicksilver credit limit has been raised from {$500.00} to {$750.00}. I have all of my statements showing my payments that was made with the amounts and the dates that I paid my bill. I no longer Bank with XXXX XXXX who is at fault for the three rejected but corrected transactions. I have asked several times to have them look into this situation. I do n't understand why Capital One would take the time to call me and leave me a message stating that my account would be reactivated if they never intended to unrestrict my account. As well as trying to understand what it is that I did wrong, not only does this look bad on my credit showing closed by creditor but it also makes me look bad in the eyes of the company. When it was already proven that I was not at fault for the banks rejection for possible duplicates.
XX/XX/2014 I was used in court I never received notice or letter to go to court to defend myself, my bank account was garnished two time for a balance less than a dollar, the bank charged me a XXXX fee both times and placed a hold on my account. I didn't even get a notice from the bank, I received a letter by request from the company of triple charges and fees on 2 charged off credit card accounts, false signatures, and no full validation of these debts, I started making payments out of fear of my bank account being over draft or placed on hold, I have checked with the credit bureau and there is no listed debt or delinquencies.
Equifax wrongly believes a tax lien #  XXXX  from the  State  of Michigan for {$3800.00} on my credit report belongs to me when really it wa s ( w rongly, but that 's another story ) issued to my deceased grandfather.     I submitted a dispute with Equifax on  XXXX   XXXX     2017  that was essentially denied when they " verified the information ''. I had other disputes with  XXXX   XXXX  and   XXXX   that both went positively and they have removed the item.     I have a copy of the lien, a copy of both my and his license, and his social security card. I would be glad to verify any information as soon as possible.     Thank you
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX RE : JP Morgan Chase XXXX. XXXX XXXX XXXX, KY XXXX Phone : ( XXXX ) XXXX Website : XXXX Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Wire Transfer ( such as XXXX XXXX, XXXX XXXX, Bank Wire ) Subject : Wire Fraud A wire transfer of {$25000.00} was initiated without my consent via my online checking account with JP Morgan Chase on XXXX. 

I immediately called JP Morgan Chase 's fraud department and reported the matter ( Fraud case number XXXX and XXXX ), as well as filed a police report ( XXXX. ) Note that JP Morgan did not provide any email, text or call to indicate a wire transfer was initiated and upon checking my statements within hours of this initialization i immediately followed proper procedure. 

As of XXXX i have been unable to receive any correspondence from JP Morgan chase regarding the matter. I have continued to go into local branches, as well as call their fraud department, where i am advised it is being investigated with the back office and a formal update will take 30 days. 

That said, i have been under a legal contract to close on a property as of XXXX. I have been given an extension from the seller for the XXXX. However, if i can not close at this time, the seller will be given my escrow deposit, as well as i face potential legal action against me for breaching the contract. 

Further, i was informed by a branch associate today when seeking an update that they could no longer speak to me about my compromised account or the investigation, as well as my new account which JP Morgan Chase created on my behalf the day of the breach and transferred my remaining funds, in order to safe guard them. This associate stated that i needed to leave, and also informed me that a decision has already been made that JP Morgan Chase will no longer be in business with me, and that my compromised bank account, as well as the new account JP Morgan Chase created would be closed, and my renaming funds mailed to me. 

I have been given any reason or justification for the closure of my accounts, nor a timeline of when they would be closed, or when my funds would be available. 

Additionally, i have not received any formal communication on the closure of my accounts, but continue to be advised that they can not speak to me regarding the matter, and that i needed to wait 30 days for the Fraud department to provide an update. 

As of XXXX i called again the chase executive team, whom I 've been assigned an investigator ( XXXX ) This contact informed me again my accounts will be closed soon ( no date given ) and that i would not be given back my funds, which have been stolen. 

I require immediate assistance with this as the fraud occurred from my chase checking account, to another chase checking account. I have done everything in my power to cooperate and assist wit this issue, and JP Morgan continues to dodge providing information to me, as well as provide back my stolen funds. 

Please let me know if any further information is needed from my end.
Navient on behalf of University XXXX reported to the credit bureaus that I was late in payment while I was in forbearance until I could prove deferment due to attendance. The representative I worked with failed to mention that my documentation would not be retroactive. I disputed the late mark on my credit report to no avail.
We had a conference call with XXXX XXXX XXXX regarding a personal student loan debt that appeared on one of our credit reports. The conference call was initiated to resolve the status on the credit report for our mortgage. During the call, the agent informed that a settlement was offered but, it was an old offer & would need to be renewed. We have never received ANY written documentation about the debt by this company or any other third party collection agencies that it may have passed through. No payment plan or other payment options were discussed during the call. We were informed it was going to be closed out & wrote off by them. The information was sent to our financial officer who confirmed it showed a XXXX balance & was closed. However, the report sent to our underwriter showed it had been sent to collections for the entire balance. This company was deceptive, misleading and vague in regards to their intentions. Now our mortgage is in jeopardy because of their lack of due process.
I applied to refinance the remaining balance of a 2nd mortgage ( XXXX XXXX ) in XX/XX/XXXX which was denied due to incorrect information being reported from primary mortgage lender. I continue to make payments and have never missed a payment but in XX/XX/XXXX XXXX  charged the account off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. XXXX has been contacted regarding this issue at least twice, once in XX/XX/XXXX and once in XX/XX/XXXX.
In a letter dated XX/XX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement.
In a letter dated XX/XX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date in XX/XX/XXXX.
I applied for a mortgage loan in XX/XX/XXXXof this year and was approved for same pending appraisal and final underwriting. I am now in receipt of a loan denial because XXXX is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed.
XXXX was contacted via USPS and via CFPB, according to XXXX  they are reporting to that credit bureaus that my account is " charged off and currently paying under a partial payment agreement '' and that " XX/XX/XXXX is the charge-off date. '' The letter went on to say that the problem lies with the credit agencies.
PARTNERS FINANCIAL SERVICES INC STARTED CONTACTING ME OUT OF NO WHERE SAYING I OWED   XXXX   XXXX   XXXX    {$1900.00} NEVER TELLING ME WHAT THIS WA S ABOUT.THEY  HAVE BEEN CALLING AND SENDING LETTERS SINCE  XXXX   2016  ON ACCOUNT NUMBER  XXXX  .FROM MY UNDERSTANDING THERE 'S A BOL MISSING THAT WAS SENT TO THE BROKER ON TIME, THAT THEY HAVENT TIRED TO GET A COPY FROM, KNOW ONE HAS EVER CALLED ME ASKING FOR IT TO SEE IF I HAD A COPY .THEY JUST STARTED HARSING AND REPORTING FALSE AND INACCUARTE INFO TO CREDIT REPORT.
The bank agreed to a shortsale. The value they want is not realistic and is not giving me a fair chance a short selling my home. The bank keeps delaying the process and the values in the area have gone down since the appraisal. The foreclosure sale scheduled for XXXX XXXX was cancelled but the Judge would only reset the same to XXXX XXXX, XXXX reasoning that it was plenty of time to close and Plaintiff 's counsel ( although there was a short sale approval ) still objected to the sale being extended any longer. They wanted it sooner, even though the short sale department has agreed to stop the foreclosure. They are purposely delaying the short sale so they can take back the house. I 've been fighting with them for a modification since XXXX and we all finally agreed to the short sale. It is obvious that this wo n't close by XXXX XXXX as the prospective buyer is involved in a value dispute with the bank.
I have a loan with US BANK. 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, XXXX and US BANK with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days lateXX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX
I have been trying to prove that XXXX XXXX XXXX is trying to collect on a debt that is uncollectable. Because the debt is Unverifiable accordingly to the FCRA. If a debt is unverifiable and the original credit is not trying to collect the debt and has not hired a collection company to collect the debt. Then it can not be collected in my case I use to stay at the XXXX at XXXX XXXX XXXX. I moved out of the complex and the owners XXXX XXXX XXXX sold the property and handed all old account over to the new owners. So, they had no obligation after the sell of the property to collect the debt. The new owners which is XXXX XXXX XXXX has not hired any debt collectors to collect on this debt. So, therefore XXXX XXXX XXXX has not right to try and collect on a debt that they have not been hired for by XXXX XXXX XXXX. Nor should they be able to collect on a debt in which XXXX XXXX XXXX is not trying to collect after the sale of the commercial property. I have a audio recording with me XXXX XXXX, XXXX XXXX my personal consultant, and XXXX XXXX XXXX employee talking about the collection efforts on this debt. Also, I have a letter from XXXX XXXX XXXX stating they are not trying to collect on this debut. I have a case file already on XXXX XXXX XXXX but they know their company is in violation of my rights so they want talk with my personal consultant about this debt anymore. They will not answer back to the CFPB case I file on them already. So, I want to deal directly with the Credit Bureau 's myself in removing this debt off my credit report.
FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX 3. XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX 4. XXXX XXXX XXXX XXXX GA XXXX 5. XXXX XXXX  XXXX XXXX XXXX GA XXXX 6. XXXX XXXX XXXX XXXX NC XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
XX/XX/XXXX I called Equifax to dispute many Inquiries not mine. 19 were removed. A fraud Alert was put on. But these fraud alerts have never notified me when someone has been trying to access my Credit. 

Here is a list since XX/XX/XXXX all from XXXX XXXX. I do not have any credit cards with them And these Hard Inquiries have been showing up weekly and is greatly effecting my credit score and profile and need removing. I have tried numerous times to contact Equifax they are always busy with too long of holds. 
Please remove this accounts. The only Credit Inquiries that are mine on my report for XX/XX/XXXX are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. And XX/XX/XXXX XXXX XXXX XXXX. Anything else should not be on my report before XX/XX/XXXX. 

XX/XX/XXXX XXXXXXXX/XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX. 
Also because of Equifax system I can not do an online or phone dispute because your system does n't recognize me. I have two open dispute on collections not mine Confirm # XXXX and # XXXX but the Equifax system wo n't let me look at these disputes it says it does n't recognize me. 

Equifax has me listed as : XXXX XXXX XXXX XXXX XXXX XXXX Why is it someone can apply for credit with my name yet I can even access my own information. Something is very wrong. No other Credit Bureau I have this issue. 

Thank you
Trustee Attorney, XXXX XXXX XXXX, XXXX XXXX and their subsidiary and Trustee, XXXX XXXX XXXX XXXX ( XXXX ), misrepresented material facts related to the excess proceeds during the hearing ofXX/XX/XXXX. Specifically, XXXX XXXX XXXX, XXXX XXXX misrepresented the amount of the excess proceeds by omitting the interest paid on the principal balance while they were " conducting post foreclosure activities '' and only submitting the principal balance to the California Superior Court, case number XXXX. Also, the Trustee and Trustee Attorney misrepresented the amount of the debt and sold the debt associated with the XX/XX/XXXX Bank of America, N. A. Trust Deed and note for almost {$90000.00} less than the amount actually owed at the time of auction. This was done in order to sell the debt because no one buys a debt if they ca n't turn a profit. If all of the debt was included, it would not have sold at action since the total amount owed would have been equal to the fair market value at the time of auction ( XX/XX/XXXX ). 

Currently, Title has not been transferred on the subject property. I am currently homeless and would like to gain possession of my real property and the interest gained or should have been gained on the excess proceeds while the Trustee Attorney was in possession and control of the excess proceeds for at least six months and all other previously requested desired resolutions.
I got a personal loan from XXXX XXXX. I made arrangements to have the very high interest on the changed through a Debt Consoldation Company. The original interest was around 120 %. They agreed to remove the high interest and take a lower monthly payment. The original amount that was due was over {$12000.00} for a {$2600.00} loan. The new payment amount is {$180.00} and the interest was taken off the loan. In XX/XX/XXXX they made a report to XXXX that now states on my credit report that it is Charged off. I have never been late with any payments. Also I am XXXX on XXXX. I am on a return to work program. I bought anolder car last year on Credit through XXXX XXXX a car loan company who gives high risk and high interest loans to people ON XXXX. my credit was very low when I got this loan. But after a year of paying all my creditors right on time my my credit has gone up substantially. In order for me to continue the Return to work program I will need to buy a new car. I started working as a XXXX for XXXX last year in XX/XX/XXXX. But because of the charge Off added to my XXXX credit report by XXXX XXXX, I am unable to buy a new.car in order to continue my job with XXXX. So now because of the charge off I can not get a new car. So I will lose my job on XXXX XXXX of XXXX because my car is much to old now.