WillisBack/dataset-financial-user-claim huggingface dataset:
Upon review of my credit report in XX/XX/2018 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the same Collection Agency, XXXX XXXX XXXX. There was a total of 5 accounts in all by the same above named agency. I sent a original certified and notorized letter requesting validity on all 5 accounts on XX/XX/2018 to XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response letter stating that one of the 5 inquires would be deleted. The company did so in deletion of the one account but failed to respond in regard to the other 4 accounts mentioned. I reached out to the credit bureaus at this point via certified mail on XX/XX/2018 sending them a copy of the letter provided to the collection agency, to bring the issue to attention and have this resolved and removed properly as stated in the Fair Credit Act Law. At this date and time XX/XX/2018 the Collection agency as well as the Bureau have failed to review and properly delete accounts who have not provided proper proof of validity.
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX all should n't be reported to my account I told them who I was staying with put me out and use my identity to try to obtain Credit in my name
I have a loan with CAPITALONE. 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, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
I am writing to you because I am at my wits end. Attached is a letter I wrote to XXXX to try and resolve this without going to your organization, and they aggressively told me to pound sand. All of the salient facts in the matter are included in the letter, so please review. I think that companies reporting to the credit bureaus are unscrupulous and unfair. This account has been held by many creditors. First XXXX, then Global Payments, then Cavalry, now XXXX, XXXX, and XXXX, a law firm here in XXXX. I believe what they are doing to me is unethical at best and unlawful at worst. They keep reporting my debt as a new one yet the last time a XXXX was used by myself or my family was at least 8 years ago. How can they legally do this? I am contesting the validity of this debt. My problems began with XXXX. I attempted to close the account in 2006 and they refused to allow me to do so until I committed to a payment plan. In retrospect, I should have terminated all contact with them right then and there, but as is my want, I attempted to appease them. I believe they charged the account off that year and then sold it to the next firm, who sold it to the next, and the next. How long can they continue to report this debt to my credit report? As you can see in my letter to XXXX, I believe strongly that they have been keeping this debt alive as a methodology to scare me into settling a debt that I dispute. Please investigate to see how many of the charges they claim are actually usury interest rates and late fees. I can assure you that this is the lions share of the debt. It is predatory and deceitful. I am hoping that you have enough information to get resolution on my behalf. Thank you in advance for your efforts to rectify this matter! You are my last resort!
account was paid in good standing XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms M XXXXM Date Opened XXXX/XXXX/XXXX Account Status - Payment Status Late Payment Status Details Bad debt & placed for collection & skip Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance {$13000.00} Monthly Payment {$320.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments CHARGED OFF ACCOUNT Payment History
My federal subsidized and unsubsidized loans were held by Navient. In XXXX, I filed for bankruptcy ( first Chapter XXXX, which was later converted to Chapter XXXX ). XXXX XXXX was notified properly by my attorney. I was told by my attorney as well as bankruptcy trustee that while the loans could not be discharged, they were protected against any term changes, default or late penalties. My loans were transferred to a debt collector agency instead without a notification to me. Subsequently, without any consent or agreement by me or my attorney, XXXX XXXX/Navient consolidated my loans. In spite of multiple inquiries and request to XXXX XXXX, I was not provided with regular statements or even access to the details of my loans. I opted to continue regular payments to my student loans at will, and at a guess of what minimum payment would be, because that critical information was also withheld from me. I also had no information about how my payments were being applied to my loans. Instead, I was told that I do not need to make any payments. <P/>I continued to experience the same lack of information and constant misinformation about my student loans even after my Chapter XXXX discharge. When I questioned why my principle on the student loans increased ( whereas by my calculation and records, it should have been reduced due to ongoing payments ), the company instead justified it using the terms of the " new consolidated '' terms, which by federal laws should not have happened in the 1st place. I also learned that most of my payments were being applied against the interest, and not the principle, hence why I continued to see only minimal progress towards the repayment of my loans and instead I was overpaying. By the end of XXXX, that accounting difference was about {$8000.00}, and continued to accrue interest using those terms. In XXXX, I have finally paid off the Student loans with a balloon payment. <P/>I believe, this unlawful behavior by XXXX XXXXNavient, combined with lack of customer service and proper information, resulted in ( what I perceived as ) extortion of additional payments exceeding {$12000.00} that I could not dispute against intentionally falsified information being provided to me.
Portfolio Recovery insists on calling me repeatedly about credit card debt after being instructed not to call. Its number is XXXX
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX CHASE CARD Closed : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In  general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires  such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXXf California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I have had a credit card with Banco Santander Puerto Rico for several years. I pay my balance off every month on time, so my credit history with the bank is excellent. Even though I was a resident of PR in XX/XX/XXXX, due to a work assignment I traveled to New Jersey in XX/XX/XXXX for several weeks. Since the due date on my credit card was XX/XX/XXXX, I mailed my payment on XX/XX/XXXX from New Jersey, just like I had done several times in the past. Under normal circumstances, 13 days was plenty of time for the check to arrive and be processed before the due date. However, hurricane Maria struck the island of PR on XX/XX/XXXX, which among other things, caused the US Postal Service to stop operations and delay all mail activity to and from the island. For this reason, my check # XXXX in the amount of {$2500.00} ( credit card balance due on XX/XX/XXXX ) did not arrive on time at the bank. This check was reflected on my account on XX/XX/XXXX, 14 days after the due date, and 27 days after I mailed it. To reiterate, my credit card payment arrived late at the institution not because of negligence or inability to pay, but because one of the worst natural disasters that has ever struck PR delayed the postal service. The bank charged me {$60.00} in late fees on XX/XX/XXXX. I  disputed the charges on a letter sent to the bank on XX/XX/XXXX. On XX/XX/XXXX the bank  replied stating that the charges would not be cancelled because my payment arrived late, even though it was through no fault of my own.
Numerous phone calls and voice mails where messages are left claiming my social security number has been seized by the government, someone will be coming to my home to make an arrest for theft by deception, their is a case filed against me, and they have started calling and using my personal cell phone number to register as the number calling my phone! They have also contacted my last employer numerous times and corresponded on my private employer email account, as well as started calling numerous others and leaving information about me on others ' voice mails!
After the cybersecurity attack on Equifax I learned that I am a victim of the attack and my info has been shared with unauthorized 3rd party people. I used the online tool provided here http : //www.equifaxsecurity2017.com/ which gave me the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident ''
I have an account on my credit report that does not belong to me and I want it removed. I have contacted the company that is reporting this account via phone and email and they could not even verify the account because they have the wrong date of birth listed for the account. I know that this is not my account and would like it removed and a complete investigation.
Having filed initial complaint around collection activity pertaining to a debt not owed, I received communication that the collection account would subsequently be removed from my credit reports with all three bureaus. Several months later, that has still not happen, and debt is currently being reflected across all three credit reports.
On XXXX XXXX, 2007, I did use my Chase debit card 5 consecutive times without knowing that I did not have enough fund to cover those transactions ( {$25.00} ; XXXX ; XXXX ; XXXX andXXXX ). For that reason, Chase did charge to me the amount of {$170.00} XXXX this is a {$35.00} each ). I did write a letter telling them that warning to me or decline the first time my debit card would be the right process to do, but Chase did approve these transactions and penalized me with all those astronomies charges, instead.In my letter to JPMorgan Chase, I did try to resolve the matter but the response I did receive it was a negative one and provoked the fact I had to close my account with that bank.
Note : I did not close my account because of those 5 transactions but because Chase did the same  process on 3 ( {$25.00} ; XXXX and XXXX ) more transactions which I was reluctant to honor.
I deposited my paycheck yesterday. Same business, local, check I deposit every two weeks for the last 3 years. The bank froze {$570.00} of my check saying " pending review '' without notifying me. I found out when I went to check my balance later in the day. It was over drawn because of bills I had paid since the money should be there. I called TD Banks XXXX # and was told at XXXX the money would be released in a XXXX of hours that it was a random thing. I called again hours later and was told it would not be released until tomorrow and they could do nothing to help me. They suggested I call the branch, I did and she was going to look into it. However it is now XXXX and the bank is closed. They have no right nor reason to freeze money on my account on a local business check they they can see every two weeks clears with no problems. This caused me great distress. today as I could not get gas and pick up my son. If they are taking a hostile action they should have called and told me. If they charge me an overdraft fee that will need to be refunded.
In early XXXX, I had purchased a XXXX Mercedes Benz E63 at XXXX XXXX ( XXXX ) and financed through Mercedes Benz Financial Services ( MBFS ). I was talked into purchasing an additional 2 year factory warranty for this car by the General Manager XXXX XXXX. However, on XX/XX/XXXX I traded this car into Keyes and leased a new XXXX S550.  The terms of this lease were {$15000.00} at signing and approximately {$1600.00} per month for 36 months. I was told that the price was high because I had average credit. However, I had paid approximately {$7000.00} for the manufacturers extended warranty for the car being traded in and I was assured that I would get that back from Mercedes. After about 6 months and not receiving anything, I called up Mercedes and they told me that XXXX had instructed them to send the warranty refund to them. After confronting Mr. XXXX, I received a call back from him personally telling me that It is not refundable and I will not be getting a check in any amount. After going back and forth with both parties for basically the remainder of the lease to no avail and unwilling to take on the cost of litigation, I advised MBFS that I will be returning the car 4 months early and will off set the amount of the warranty refund which was almost exact. Subsequently, MBFS has been reporting this to my credit reports as a repo/surrender and eventually a charged off amount of approximately {$29000.00}. This has been extremely damaging, defaming and unjust.
There is a XXXX XXXX XXXX tax lien that I have been battling with XXXX and Equifax to delete after the lien has been satisfied immediately through direct paycheck deduction. I have suffered enough through wage and account garnishment. I requested for Equifax and XXXX to furnish me with the phone number of the agency that provided them the information.. I was referred to XXXX County Registry. The registry said they do not report to credit bureau but their records are open to the public. Since the lien has been paid and XXXX wants it to be deleted after satisfaction, please compel these Bureau to delete the record. XXXX
Homeowner Assistance Package ( loss mitigation ) submitted to Citimortgage, requesting forbearance. I am pending receipt of award letter from Social Security XXXX, which will enable to resume mortgage payments. Homeowner Assistance application was deemed complete on XXXX XXXX, 2016 ; however, suit was filed in XXXX County District Court on XXXX XXXX ( case # XXXX ) - AFTER the Assistance Application was already in underwriting review. 

I have attached a letter ( with attachments from Citimortgage ) that I faxed to the Citimortgage retained law firm, outlining the circumstances as well as the date of Assistance Application completion. Per the documentation from Citimortgage, all foreclosure activity was to cease after the assistance application is deemed complete. Nonetheless, foreclosure procedures were filed 14 days after the loss mitigation package was completed and forwarded to underwriting review. I believe this to be a case of " Dual Tracking '' and in violation of 12 CFR part 1024.41 ( c ). 

I have contacted the Citimortgage Homeowner Support Specialist assigned to my case regarding this foreclosure activity. On XXXX XXXX, I was informed that " there should be no foreclosure activity '' ( see attached email ). I then provided them the case number of the law suit. No other response was received from either Citimortgage or their attorney after informing them of this foreclosure activity.
To : CFPB To whom it may concern ' XXXX see my attached amendment of my complaint against XXXX XXXX XXXX, XXXX Thank u very much ... 


XXXX XXXX XXXX
I have something in collection that i have no idea what is it.collector name : SKO BRENNER AMERICAN.Then i dispute XXXX XXXX online.investigation result deleted, description # XXXX, file XXXX, date XXXX.
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/conti all was ask to remove inquiries. Called multiple times a day.
In XXXX, I Refinanced My 1st Mortgage with a Different Bank! This is One of My Local Banks I Use for My Daily Personal Banking Services! This Bank is The Huntington Bank, XXXX, Ohio. I Asked for the Best 15yr Fixed Rate Mortgage & Best Rate Available!?? My 1st Mortgage at that Time was with XXXX XXXX XXXX and it was a FHA MORTGAGE. 
I Had & Have Excellent Credit. I Was Never Late on My Mrtg Payments & Never Missed a Payment!! I Was Told By Local Bank Loan Manager, a HARP MORTGAGE Could Only be Approved By The Main -Huntington Bank & by their # 1 Mortgage Loan Manager in XXXX , Ohio Huntington Headquarters & This Process Would Take a Few Months! Refinance With the XXXX Banch Would be a Much Quicker Process & They Could Offer a Comparable Fixed Rate!! They Sold Me a Conventional Mortgage, not a FHA Backed Mortgage & Not a Harp Mortgage. At This Time I Did Not Realize This 1st Mortgage Loan was Not an FHA Backed Mortgage!?! 
They Charged Me 2 - 3 Points to Get the Fixed Rate Down to 5.75 %. I Was Charged an Appraisal Fee, Points Fees & Closing Costs = all Totaling Appr {$3000.00}. With My Current 1st Mortgage FHA MRTG LOAN With XXXX XXXX XXXX, I QUALIFIED FOR THE HARP MORTGAGE, But was not even Offered the Harp!! I Believe They Did Not Want to Provide or Offer me a HARP MORTGAGE was Because They Would Not Make as Much MONEY / PROFIT AS THE WOULD WITH A CONVENTIONAL LOAN!! I THEN DISCOVERED, I NOW AM NOT ELIGIBLE FOR A HARP MORTGAGE From Any Banking Facility Because I No Longer Have a FHA BACKED MORTGAGE!! I HAVE CONTACTED NUMEROUS BANKS & MORTGAGE COMPANYS & ALL SAY THEY CAN GET ME A RATE, AS LOW AS A HARP MRTG!! BUT IN DOING THIS THEY ARE CHARGING ME 2-3-4 POINTS TO GET ME A FIXED RATE CLOSE TO THE HARP RATE, BUT STILL NOT AS LOW &  AGAIN I WOULD BE CHARGED FOR AN APPRAISAL & POINTS FEES & CLOSING COSTS!! I WAS REFINANCING TO GET CASH OUT TO PAY OFF CREDIT CARD DEBT & GET A LOWER MORTGAGE RATE, RESULTING IN A LOWER MONTHLY MORTGAGE PAYMENT!! I BELIEVE, THE REASON THEY WOULD NOT PROVIDE OR OFFER THE HARP MORTGAGE WAS SIMPLY, THEY MADE A " LOT '' MORE MONEY OFF ME THAN THEY WOULD MAKE PROVIDING ME A HARP MORTGAGE!! I ALSO FEEL & BELIEVE I AM BEING DISCRIMINATED AGAINST BY NOT BEING ELIGIBLE FOR A HARP MORTGAGE, BECAUSE I DO N'T HAVE A FHA MORTGAGE!! OVER MY LIFETIME, I HAVE HAD 4-5 MORTGAGES & ALL WERE FHA MORTGAGES!! I ALSO BELIEVED WITH THIS LAST MORTGAGE WITH HUNTINGTON BANK, IT WOULD ALSO BE A " FHA '' MORTGAGE! I Guess I Was Ignorant to the MORTGAGE BUSINESS & NOW I CAN NOT GET A HARP MORTGAGE TO PAY OFF OTHER DEBTS. WE ARE RETIRED & ON A FIXED LIMITED INCOME!! WE ARE BOTH " XXXX XXXX '' and NEITHER CAN WORK! - UNEMPLOYED! I DO N'T BEILIEVE THIS WAS OR IS FAIR, IT FEELS LIKE DISCRIMINATION TO ME!! I AM TALKING WITH MY ATTORNEY BEFORE TAKING ANY OTHER ACTION!?! CAN YOU PLEASE HELP ME GET A HARP MORTGAGE?? 
Thank You, XXXX XXXX XXXXXXXXXXXX
I signed up for a CitiGold Checking Account with a promotion where I was to be awarded XXXX XXXX XXXX miles upon meeting certain requirements including a {$1000.00} spending requirement in debit purchases and two bill pays. The points were to be posted within 90 days of meeting these requirements. I have contacted Citi multiple times and created multiple inquiries to resolve the issue and they have yet to post the miles. The requirements were met in XXXX and it was verified by a Citi representative that the points would post in the month of XXXX. On XXXX XXXX, Citi randomly closed my CitiGold Checking account and refused to cooperate with me on any further inquiries about the points because the account was now closed ( that I never requested to be closed and they can not figure out why it was closed ). See attached for screenshots of my inquiries and their request for me to provide my XXXX number, which I did promptly over the phone.
I believe this is Wellafargo this account wasCharge off. I had payed {$840.00} dollars toXXXX to fix. The negativelyWhich they did an I have proof
This company is claiming that I owe them {$2600.00} for an apartment that 's in XXXX when I 've been a Louisiana resident since the day that I was born. This company claim to have a copy of my signature with someone else 's signature as well. I have never even heard of this company. Somehow they 've gotten my fathers address and are sending things to him when I have n't lived at that address in years. How can two people both owe {$2600.00}, if anything that debt should be split amongst two people. When asked to validate this debt, they sent me a copy of a lease with a signature that 's not even mines. The dates that they are claiming I " moved '' in is impossible because I started my lease where I live now in XXXX. I ask that this company take the time to investigate this issue or Remove this debt from my credit reports, because I do not owe anyone {$2600.00}. I also, DEMAND that this company send me an agreement proving that they have the right to collect on this debt that I supposedly owe. If this matter is n't handled properly, I will be forced to report to the Federal Trade Commission.
My girlfriend & I were scammed out of {$140.00} when attempting to buy event tickets through XXXX & paying through XXXX. XXXX 's website seemed legit but their " only send funds to trusted recipients '' statement was hidden in their website & not clearly displayed. Because funds were easily pulled from my Citizens Bank checking account, I believe the transaction was legit.
My most recent credit report showed a very large debt to a company I have never heard of, and said it was placed in a collections account. I called XXXX XXXX XXXX and they transferred me to XXXX XXXX XXXX. The first person I spoke with coul n't speak proper English. When I asked to speak to his supervisor, he wanted to know why, and continually refused to transfer me until I told him he was incompetent. Then a slightly more educated gentlemen got on the line, but tried to talk over me the entire time. The bottom line is, these are fraudulent charges and the 'companies ' associated with the debt can not find any account listed with them and are absolutely no help in resolving this matter. I've filed a dispute with the credit reporting agency, but these people should not be allowed to continue reporting false information on innocent people 's credit.