WillisBack/dataset-financial-user-claim huggingface dataset:
I am currently in default on my navient loans. I have currently paid on the for over 5 years now, and have been going through tough times right now. I am not currently done with my degree and have been recently pursuing my degree a  XXXX   XXXX   XXXX   XXXX   XXXX  . With interest rates on my loans between 8-12 percent and monthly payment around 500 a month, it should be a crime to charge someone so much for trying to Perdue a degree with nothing.
Since XX/XX/2017, I have disputed the debt as not being mine. I have no knowledge of this debt. Since then i have requested a validation ( at least 4 occasions ) which has been ignored by both the credit reporting agency ( XXXX ) and the debt collector.

I need to see any documents in its original form bearing my signature.

I advised during my correspondence that this is not a refusal to pay. As per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } the claim is disputed and validation is requested.

I also mentioned in my correspondence this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that the offices provide me with competent evidence that I have any legal obligation to pay. 

Someone claiming I owe with an account statement does not suffice that it belongs to me.
I opened up a savings account at Wells Fargo Bank. I was required to take debit card as part of the account processing, even though I said that I did not want a debit ( or credit ) card. We agreed that I could cut it up when I received it.
XXXX and Transunion are reporting me as 120 days late on the XXXX XXXX XXXX XXXX account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the two bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
We leased a vehicle from XXXX in XXXX Colorado with the option to buy. The car was a salvage vehicle. We could not license the car. Not only was it a salvage title the car was in XXXX major accidents and they did not inform us of any of this. When we asked for the car fax they said the computers were not working but assured us that it was a very good vehicle. The car had electrical problems, we drove it back to Iowa for a family emergency and we could not drive the vehicle back to Colorado. After going back in forth with XXXX we came to an agreement. We would get the vehicle fixed and the place of their choice!!!!! We called the repair shop and they would not work with this particular warranty company. They requested we pay the amount to fix the car and then be reimbursed from the warranty company. We were not in the financial position to do this at that time. XXXX agreed to pay us our money back and we would go our separate ways. Instead XXXX from XXXX sent XXXX men to my elderly mothers home to reposes the car after we had already made arrangements. They took the car we had all of our personal items in the vehicle and I have emailed XXXX numerous times asking for our things back with no response. This car dealership is dishonest, corrupt, and take advantage of their customers. They knowingly leased us with the option to buy a salvage vehicle that was in XXXX major accidents.
Upon reviewing my credit score from TransUnion, ( via  XXXX XXXX XXXX App ) my score dropped 8 points for  the month of XXXX XXXX XXXX from XXXX. It dropped 10 point during XX/XX/XXXX( XXXX ). Almost a combined 20 points in less than 1 year. The key factor listed affecting my score was " No recent bank/national revolving balances. '' In contacting TransUnion Credit services I was informed my score dropped because they want me to open more accounts. I 'm totally disheartened, and in disbelief because I 'm being punished for not being in debt, paying my credit cards on-time, and being literally forced and bullied into obtaining more lines of credit. At what point will by score continue to be lowered?! Until it 's just good. I 've worked extremely hard to ensure that I pay my bills and not go into debt. It 's taken me years to feel a great sense of financial freedom in not owing bills. I 've more than sufficient accounts open at other banks in total 4. This has to be addressed and corrected. I called on XXXX and was informed a call back from a manager and no response. Please HELP! Signed- XXXX
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I called Nelnet because I 've been paying on the loan for 3 years it seems like the payment is n't going down at all so I asked how do I fix it. I spoke to someone they told me to pay more on the account and I am but I still do not see much progress. I dispute it ( XXXX XXXX ) because I do not think the information is correct and now I put my account in an deferment status. I 've also asked if they had a program if it was paid in full will there be some discount I was told no settlements are allowed.
I had rented car from XXXX @ the XXXX around XXXX on XX/XX/2016 and had returned around XXXX on XX/XX/2016, after filling gas at the XXXX gas station in XXXX just before returning the car ( I submitted the gas station charge as one of the proofs ). I then went to the front desk requesting that the charges be split between XXXX of my XXXX cards ( because I had promotional offers on XXXX cards ) but the woman there was rude ( they should have a recording of that in their security camera ) and said go call the customer service regarding that. So I spoke with customer service around XXXX ( they should have a recording of that as they do it for " quality '' and training purposes ) while on XXXX to the terminal, as I had a flight to catch after checking in my bags. However I was advised to go speak to the personnel at the counter, since it was within 48 hours of return. So I decided to call them back after 48hours and went to check our bags in at around XXXX. After that we proceeded to gate past the security the security check as our flight was at XXXX ( I provided boarding pass and bag tags for proof ). We reached XXXX and took XXXX back home from the airport ( submitted receipts for that as well ). 
Following morning, I had to fly to XXXX ( submitted my ticket XXXX and taking XXXX rides in XXXX as well for proof ). However XXXX claims that I returned the car only around XXXX on XX/XX/2016, which is a not true and charged my credit card that additional amount. I contracted my credit card company and they refunded me that amount, but XXXX has been harassing me for that amount.
3rd COMPLAINT Ref Complaint # XXXX XXXX Numerous requests to PNC to stop sending credit card offers in the mail have failed. Was assured by PNC by phone and by complaint # XXXX that I will not receive offers to my address. <P/>Please see previous complaints for additional documentation. <P/>> This is the ONLY bank that does not remove this address from their marketing.
Payments have been made twice a month, in advance, for over 5 years. The bank continually delays posting the payments and periodically assesses late charges incorrectly. Now they have actually returned payments. As of now, the interest charged on the account is far in excess of what is actually due.
I have a loan with CAPITAL ONE. 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 CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018.
Transunion has failed to conduct a proper investigation each time I submitted a request for an investigation. The first request I sent they received on XXXX/XXXX/XXXX. I did not even receive a response back. The second request I sent, they received on XXXX/XXXX/XXXX, I did receive a response but they did not address my request for method of verification which is my right under FCRA Section 611 ( a ) ( 7 ). In fact, when I disputed the bankruptcies and they verified it, the date of verification still shows XX/XX/XXXX instead of the current date at the time they claimed they verified it which should have been XX/XX/XXXX. I also recently sent them a request to re-investigate the bankruptcies requesting who specifically verified the information. I faxed my request in on XXXX/XXXX/XXXX and I got a response back dated XXXX/XXXX/XXXX having them verify it again with no change and still showing the same date of verification from over a year ago ( XX/XX/XXXX ). In addition, this time I also sent them a letter I received from the Bankruptcy court stating that they do not report nor verify information with the credit bureaus which I sent over to them as a part of my dispute. They did absolutely nothing. I also disputed an auto loan that they are reporting as charged off. I sent them a copy of my XXXX report showing the same trade line as paid as agreed and still no change. Bottom line, Transunion should have deleted all of the items that I requested an investigation on in my first letter ( received XXXX/XXXX/XXXX ) because they did not respond back within 30 days. In fact, they did not respond at all at that time and according to FCRA 611 ( 5 ) ( A ) they have to promptly delete any information they are not able to verify and by them not responding the first time, they needed to remove all items that were disputed.
The company I work for purchased several radio stations from a company selling off all it 's inventory. Included with that sale was a XXXX pickup truck. During closing, the main focus was on all the regulatory paperwork with the FCC, XXXX and other companies regarding the radio stations and transmitters, and the XXXX was over looked until it was time to re-register and re-title the truck in the new companies name. At that time, it was noticed that we only had a copy of the title, and not the original. We worked with a previous XXXX of the company to get the required title paperwork willed out and notarized. However, the truck was originally financed through World Omni Finical Corp., and was paid off XX/XX/2008. I have tried over a dozen times to contact World Omni Finical to get a letter stating that the truck is paid for and they have no further interest in it. All I get for the several hours on hold is the run-around, with out anything ever happening. We currently have a bill of sale, a copy of the title showing it was paid off in XX/XX/2008, current insurance in our name, and a partially filled out and notarized replacement title request. The only thing holding us up in getting the title transferred is a letter from the previous lien holder ( World Omni Finical Corp ), releasing all claim to the truck. 

I am asking for help in getting World Omni Finicial Corp to produce this letter, so they are not longer preventing us from using our own truck!
I had fraud on my card. I notified the bank immediately. The bank cleared all the fraud charges. After my card with fraud on it was frozen I received a valid credit onto my card from a vendor. I contacted the bank within days that the credit was valid and should be transferred to my new valid card. On approx day 5 I was told the credit was erroneously applied to the closed card and would be fixed within 30 days. I called back 3 weeks later and was told the fix had not been completed and that the " IT '' fix to move my money was not done yet. Finally after 30 days nothing was posted to my new account. I called back approximately on day 37 and at this juncture I was told that my credit would now be moved to my new account number and that it would be 1-2 days more.
I received a letter indicating that an account has been sent to collections.I expressed several times that i never received a credit card from these companies and before I take legal actions about this matter I would like for them to resolve this matter.I dont shop at these stores and im not interested in shopping at these stores.I just want my credit to be repaired XXXX XXXX XXXX XXXX XXXX ....
Dear sir Prompted by the surge in cryptocurrencies in end of XXXX, I registered on the website www.coinbase.com ( XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX ) on XXXX XXXX with my email address XXXX and paid them in a few transactions- 1 ) EUR XXXX ( GBP XXXX ) on XXXX XXXX by bank transfer. This transfer was rejected by the Coinbase system and was returned to my bank account. ( GBP XXXX ). There was no reason given for this rejection, and I have lost XXXX ( GBP XXXX XXXX XXXX and XXXX pence only ) in  the process of currency conversion. 

2 ) XXXX ( GBP XXXX XXXX XXXX and XXXX XXXX pence only ) on XXXX XXXX ( using debit card ) to buy XXXX -This transaction was made on request of Coinbase customer care executive ( XXXX XXXX. XXXX XXXX ) to verify account, and I was told this will be refunded immediately. However, this amount has since been lost somewhere. 

3 ) XXXX ( GBP XXXX XXXX and XXXX only ) on XXXX XXXX ( using debit card ) to buy XXXX XXXX This transaction was made by the customer care official, when he took my debit card details on the pretext of refunding the first transaction. ( I didnot authorise this transaction, this money was stolen from my account ) This amount has also since been lost somewhere. 

4 ) XXXX10 on XXXX XXXX ( by bank transfer my from bank account ) This was a test transaction I made to ensure my account was still valid. 

So far, I have lost XXXX ( GBP XXXXXXXX XXXX XXXX only ) in fraudulent transactions and bank charges. 
In the process, I have so far purchased XXXX. However, I have no option to sell it back/convert to GBP. 

I wrote to Coinbase on XXXX XXXX, and I got an email from them on XXXX XXXX saying Unfortunately, due to the technical nature of most digital currency networks, it is impossible for us to reverse this payment and we are unable to provide any mediation with this matter.
I got a call from LJ ROSS ASSOCIATES IN collections a few months back and payed the bill over the phone it was a consumers bill I never received after moving it was a prorated bill a few days left of my monthly bill. The bill went to collections for almost two year without my knowledge and damaged my credit.The bill was only around {$40.00} I payed it right way after learning about it. I would like you to make a note and repair my credit. The bill was with consumers energy XXXX My name was XXXX XXXX I am now XXXX XXXX XXXXXXXXXXXX
Last week Thursday, XXXX XXXX, 2015, I received a summons from the Law Office of Joe Pezzuto , LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 

Prior to this summons I have never heard of XXXX XXXX or his law firm. I did not receive a phone call, voicemail, letter or email from this law firm. I do not currently have nor have I ever been in any contract with this law firm. They never provided me any documentation regarding this debt before proceeding against me in court. 

I do believe that they are in clear and direct violation of the Fair Debt Collection Practices Act. 

The exhibit attached in the court filings did not show my name or signature in contract with XXXX XXXX nor did it show any ownership of a debt relating to me.
I was a member of Costco. I did not need their service and let the membership expire at the end of the first year. Near the end of my membership, Costco switched from XXXX XXXX to Citi XXXX. I received a card in the mail without asking for it. I did not want the card. I called Costco and told them I was not renewing my membership and that I did not want the card. Costco said I would have to call Citi. I did, and told them I did not want the card ( which I had destroyed ). 
I later received a bill from Citi. I called Citi and told them that I had not activated the card and did not want it. I told them to reverse the charges on the card - which includes a {$37.00} late fee. I returned the billing stub with the same request. 
Soon after I began receiving calls at my office asking me to check my online account. These calls come nearly every day. 
I recently received another bill from Citi. I do not understand ( except in the light of the issues at XXXX XXXX ) why they will not close the account and move on. This is harassment and I have no intent to pay.
On  XXXX   XXXX , I call ed USAA Debt Solutio n due to received a letter about loan being pass due. They refer me to   XXXX   XXXX   and I filled out an application for a short term hardship. I fax documents back and was told it can take up to 30 days. I called for updates and told it 's pending. Even called on  XXXX   XXXX  and  XXXX   XXXX  concerning another issue and not told approved. Received letter dated  XXXX   XXXX  threatening repo. Called  XXXX   XXXX  to  XXXX   XXXX  and told was approved for program on  XXXX   XXXX  but no one called to let me know because I 'm on do not call list. Stated no because I get collection call and never requested. Asked for date placed and why but was told no date. Reque sted manager callback. Manager callba ck  XXXX   XXXX  and tell me just got fill out new application because over 30 days. The process takes up to 30 days itself so. She stated ca n't use old approval. Get more calls and stated must pay by  XXXX   XXXX  or will repo.
I am in default of my mortgage with Ditech and have to cure this on XX/XX/2016. I am trying to receive their Request for Mortgage Assistance package to avoid foreclosure. I have repeatedly attempted to reach my personal representative, without success. Either the system hangs up without being able to reach a human being, puts me on hold for at least an hour and I give up, or my personal representative 's mailbox is full so I can not leave a message. I have resorted to sending in-mails on their website, have received confirmation of them, but never receive an actual response ( except for one in the US mail that said they would get back to me in 30 days, well after the date of cure ). In sum, I believe they are placing me in an untenable situation, which will cause a foreclosure that could be avoided. I am shocked at the cavalier way they are treating a very serious situation. My phone and email records do support the activity I mention above.
Recently received repayment information on this loan through CFPB and after reviewing such information, I noticed a few things that do n't sit right. Understandably, the company will charge a fee to collect and there will be interest to pay. However, ECMC has added there fees to my balance more than once. Looking at the paperwork shows that ECMC has tried to add collection fees 9 times ( XX/XX/XXXX {$5200.00}, XX/XX/XXXX {$5300.00}, XX/XX/XXXX {$4300.00}, XX/XX/XXXX {$4400.00}, XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$3400.00} and XX/XX/XXXX {$2300.00}, XX/XX/XXXX {$2200.00} and XX/XX/XXXX {$1100.00} ) and removed them 8 times ( XX/XX/XXXX {$5200.00}, XX/XX/XXXX {$5300.00}, XX/XX/XXXX {$4300.00}, XX/XX/XXXX {$4400.00}, XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$3400.00}, XX/XX/XXXX {$2200.00} and XX/XX/XXXX {$1900.00} ) while collecting additional collection fees monthly. If a collection fee is added in XX/XX/XXXX it 's removed in XX/XX/XXXX, if it 's added in XX/XX/XXXX it 's removed in XX/XX/XXXX except for the last collection/reduction fees which were in XX/XX/XXXX. ECMC is collecting additional interest on the added fees while they are posted but not making the corrections to said fees. So my balance should be around {$3000.00} ( minus the added interest from added collection fees ) plus the correct interest without the added fees to my balance and lets not forget ECMC additional collection cost of {$1000.00}. So I 'm guessing my balance should be anywhere around {$4000.00} ( includes collection cost ) plus interest which would include the most recent payment of about {$190.00} in XX/XX/XXXX.
We are trying to split a parcel of land located in XXXX XXXX, Minnesota. We have been approved by XXXX XXXX to subdivide the lot and filed new deeds with the county, but the entire parcel is still being held for collateral by Nationstar Mortgage. The mortgagee and our neighbor is XXXX XXXX. He has given my husband and I permission to submit paperwork on his behalf. 
We had to have an appraisal done for Nationstar as part of the application for land release from them. XXXX XXXX 's parcel, after the split, is worth {$190000.00}. His loan balance is approximately {$20000.00}. Yet Nationstar is requiring he pay {$2900.00}, to be applied to principal, in order to release the property. 
We are just wondering if, per the statement pertaining to the OVL formula, if this is fair since the appraised value of the property by far exceeds the current principal balance. 
I believe this is the clause in the Partial Release Application pertaining to our situation : If monies are needed to secure the value of the loan, the borrower will be contacted and advised of the amount. This amount must be paid and applied to the mortgage loan as a principal payment reducing the outstanding balance prior to the execution of the partial release, or, might be used for property improvements. The resulting loan to combined value ( CLTV ) ratio after the release is completed can not exceed the C LTV before the release. Nationstar Mortgage 's value in the property must be secured in order to process a partial release. Any reduction in value can not exceed the principal payment received.
Credence resource management XXXX Refused to withdraw my debt authorized consent stating why would I want to burden my husbands credit. and I as his wife should be aware that 's what I would be doing that to him if I do n't agree to the terms of non payment of this debt.
I first rec 'd a statement from both XXXX XXXX and XXXX XXXX stating that my owned balance was {$580.00} ... statement date XXXX/XXXX/15 from Crossing at XXXX and XXXX/XXXX/15 from XXXX XXXX ... Now they ( XXXX XXXX ) saying that the balance is {$640.00} which is a difference of {$59.00} ... No explanation given at all. 
How is it that I receive XXXX statement and then turned over to collection less than 4 days later? The problem is that I was never given a chance to review, confirm or dispute their charges ... What happened to the 30 days I am allowed to dispute or pay and the other statements I should have rec 'd from Crossing at XXXX ( XXXX XXXX XXXX which is owned XXXX XXXX XXXX XXXX? The 30 days was allowed in the letter dated XXXX/XXXX/15 but not extend to me and now being asked to pay a different amount than from the beginning ...
XXXX and XXXX XXXX company keeps calling myself and family members multiple times, saying i have a lawsuit againt me from a debt from XXXX XXXX. Which i did have a debt with them in the past. i did payoff that debt and cleared it from my credit report from all 3 credit buerls. So this comoany is saying they tried suphena me many times could not get a hold of me so there are marking it up as a refusal to sign and now they say i have to appear in court. I told this company i have already settled this debt and will report them to the police. They hang up on me at this point or start yelling at me saying there sendind me to court. I have not received anything on the mail or no one has come to my address where i have lived the passed 12 years so im not hard to find. this company is harrasing my family and i. i really would like it to stop