WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/XXXX capitol one credit card collection agency-XXXX settled the debit owed by me along with my lawyer to {$12000.00}. see attached settlement letter. 
Since then I have regularly paid the said amount to the debit collector. later this debit collection was taken over by XXXX XXXX XXXX firm. The payments were made to this debit collector. The final payment was made on XX/XX/XXXX. a total amount of {$12.00}, XXXX was paid to the debit collector ( see attached bill payment statement from XXXX XXXX XXXX ). I have paid an excess of {$80.00}. since XX/XX/XXXX after the final payment was made i called XXXX office many times and requested a XXXX balance letter, refund of my excess payamnet, and report to credit bureaus as fully paid. NONE OF THIS HAPPENED FOR THE PAST MONTHS. I have called XXXX debit collector and emailed them several times more than 20 times with the attached settlement agreement sent by XXXX and the total amount of payment made to the new debit collector. 

Experian sent me a credit report which states that there is one negative report on my report. I disputed it with experian. but they came back with the same resolution that I still owe {$3700.00} as of XX/XX/XXXX. THIS IS INCORRECT. CAPITOL ONE CC IS ROGUISH FINANCIAL COMPANY THAT PREYS ON POOR PEOPLE AND MAKE UP FRADULENT CHARGES. THEY MUST BE TAKEN TO TASK AND MADE TO PAYBACK MY EXCESS PAYMENT, and fix my credit report immediately. 

I am applying for a home mortgage to refinance my home which is going under foreclosure. but this negative report and dishonest loan balance reported by capitol one is severely affecting my mortgage loan application.

I humbly request the CFPB staff to take immediate action and order capitol one to remove the inaccurate credit reporting.

see attached files from experian report on capitol one CC and supporting evidence that I have paid the loan as per settlement agreement.

Capitol one must report as XXXX balance. 

thank you for your help and prompt action. I am very grateful that our government has created agencies like you to help citizens from predators. 

thankyou XXXX XXXX
I have sent 4 letters to XXXX and TransUnion in regards to verifying my negative accounts shown on my credit reports and have also sent letter to the creditors proving that the accounts indeed are valid. Nothing with my signature was provided. XXXX after 2 letters deleted all the accounts in question, but he other 2 ( XXXX and TransUnion have not ) I have all the letters sent to the 2 agencies and have certified proof of their receipt. My name has a middle initial with a XXXX and they are sending me stuff with my name with no XXXX These negative accounts are ruining my credit and preventing me from several things im entitled to as a U.S. citizen. Please help. Thanks
Dear Consumer Financial Protection Bureau : I am writing you to report that a collection agency, Portfolio Recovery Associates, is trying to collect debts from me that they did not sufficiently validate to me, upon my request.

I responded to a letter from Portfolio Recovery Associates requesting specific validation information that they did not provide. They also claim that they requested information from me, but they never did.

The validation information they did supply was merely generalizations of debts that have no clear indication as to the ownership of the debt, the right for them to collect from me, and lack of proof of any obligation that I entered into with them.

I want to submit a complaint.

Herewith attached are a record of correspondences Ive had with Portfolio Recovery Associates, detailing the basis for my complaint.

I trust you will address this matter accordingly.

Thank you
From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXXEmail : XXXXXXXXXXXX XXXX XXXX XXXX XXXX Loan Number : XXXXTo : XXXX XXXX Executive Response TeamRegarding : Illegal Tactic of ForeclosureXXXX XX/XX/XXXX XXXX XXXX XXXX send me a letter stating they will be the new owners of my loan instead XXXX. The servicer of the loan is PHH Mortgage XXXX. As you can see in the Notice of Trustee 's Sale XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX does not exist only your name. 
This is to inform you that PHH Mortgage services with other mortgages companies listed below are trying to foreclose o my house. Sale date is set XX/XX/XXXX. 
In the attachments you will see the monthly statement I receive has your name on it not all those other banks listed below. 
I 'm requesting you to supply me the following documents please : California Homeowners Bill of Rights, Mortgage in General-California Civil Code : XXXX and all other Civil Codes that applies. 
1 ) Copy of the Note2 ) Deed of Trust3 ) Assignment of Mortgage4 ) Substitution of Trustee5 ) Notice of Intent to foreclose6 ) Notice of Trustee 's Sale for XXXX ) Wet Signature because of ROBO SIGNING8 ) The Letter Fair Debt Collection Practice Act ( FDCPA ) 9 ) Explain Secularized Loan10 ) Explain XXXX involvement11 ) Explain XXXX XXXX involvement12 ) Explain XXXX XXXX Bank involvement13 XXXX Explain XXXX Bank XXXX involvement14 ) Explain XXXX XXXX XXXX involvement15 XXXX Explain Mortgage Electronic Registration System involvementTime is of the essence
Bank of america falsely used their " right to offset '' to pull funds from another b of a account XXXX to XXXX after the over drawn balance was offset using this same manner. every representative gave me wrong information, or information that could not be verified. i was told the funds were used to cover a check that was actually returned.
My wife and I moved into our new house XXXX of 2016, the house was brand new and we paid {$400000.00} for the house and put 5 % down because we knew we were going to need additional cash for things such as landscaping painting the interior etc. that need to be completed when you move into a new house. After about 10 months of being in our house, more houses on our side of the street ( which backs to a golf course ) were completed and sold. The houses sold anywhere from {$470000.00} to {$580000.00}. I reached out to Wells Fargo to see what my options were in removing our primary mortgage insurance ( PMI ) and they told us about a Broker 's Price Opinion ( BPO ) that could be completed for {$200.00}, and if a realtor came out and thought our house could be listed for what would equate to 75 % loan to value ( LTV ) we could have our PMI eliminated, this number for us would have been {$500000.00}. We had the broker come out and look at the house and put a report together with different " comps '' that had recently sold, my wife and I thought there would be no problem with us coming in at {$500000.00} because of the houses that had been sold recently not having completed backyards and our house was larger than all but 1. We were shocked when the report came in at {$490000.00} and filled out a dispute form because the comps that were used in the report, while being brand new homes, did not back to the golf course. In the dispute we used three homes that sold, within 6 houses of us all backing to the golf course and all selling for over {$500000.00} without completed landscaping. In the report I used total square footage for the house 's instead of gross living area ( GLA ) and the initial dispute was rejected because total square footage was the incorrect  measurement. I then resubmitted the dispute form with the GLA numbers and again had the dispute denied because the comps that I was using were new construction. Wells Fargo is not looking into the matter again and is telling us we will not have the matter reviewed any further. My concern is that Wells Fargo is using this BPO as a method for them to collect and additional {$200.00} of revenue without having any intention of actually eliminating their clients PMI. The representatives that I have spoken with understand my frustration and do not know why we can not look into the matter further and get another review done. They can not give me a reason why the broker can use new builds as comps but I can not, nor why none of the houses that were used as comps back to a golf course in the brokers report. While I know XXXX is not always the most reliable source, currently XXXX has our estimate at {$580000.00}. I would like to see the statistics on how many BPO 's have been completed and how many have resulted in elimination of PMI, where I stand, this is another black mark on Wells Fargo and further evidence that they will do whatever they need to to generate revenue with total disregard for their clients.
I rented an apt at XXXX XXXX in XXXX in XX/XX/XXXX. My next door neighbors were XXXX, biting, yelling and slamming each other against my dining room wall on XXXX XXXX 's day in XX/XX/XXXX. XXXX Police and SXXXX XXXX XXXX the boyfriend ( went back to XXXX ) out of the apt and girlfriend went to hospital. This event breached my apt . lease. I delivered XXXX breach notice. Next Sunday, the same girl was drunk again, making all the noise again and she was kicking, cussing and banging on my front door to retaliate. I called XXXX cops and they  arrested her for XXXX conduct and I had her served with an XXXX  against XXXX  in XXXX XXXX. I delivered copy of restraining order and more breach of apt . contract letters to XXXX manager, XXXX right away. Later, same girl at XXXX XXXX   was screaming, children crying and banging on my wall. I called XXXX cops and the noise stopped. I delivered another breach letter to XXXX office. I went to XXXX to do a walk thru and XXXX, mgr agreed to do this, she reneged, I told XXXX she waived her right to a walk thru and I am not responsible for anything. I handed XXXX my keys. I moved out. A month later, I got a collections letter. 
I disputed it with XXXX-XXXX and National Credit Systems as identity theft, fraud, and I am not responsible-my lease was breached by XXXX. XXXX allowed my next door neighbor to harass me, XXXX cops and Swat team over several times to my apartment as she lived next door to me. Neighbor even went to XXXX XXXX for violating my restraining order and XXXX was very well aware of this by my letters to them. XXXX chose not to follow the law and harassed me by doing nothing to follow the law and evict her. I hand delivered several breach notices to XXXX, XXXX chose not to obey the law and evict her immediately.I had no lease for XXXX to file collections on me. THIS IS FRAUD!!! 
I told and in writing to collections that XXXX broke several AZ laws and AZ Landlord Tenant Act which I delivered typed to XXXX. There was no apartment contract for XXXX continued to allow the breaches for the other tenants conduct that terminated by lease agreement with XXXX-health and safety and no noise agreement in my lease and upheld by the laws. The collection remains on all 3 credit reports since XX/XX/XXXX. 
This is illegal and has totally screwed up my life for I can not rent an apartment because of the fraud or get credit.
XXXX XXXX XXXX XXXX has reported to the credit bureaus that my mortgage has been flagged as modified under a non federal government plan. 

i am not aware of this, i have received nothing pertaining to this XXXX XXXX XXXX and it has negatively effected my credit score i want this removed
Navient. They keep on calling me when i have stated i dont make enough to pay back my loans. Its very harassing.
I have filed a previous complaint against carmax auto finance, they broke the law and aware of it but. Did not acknowledge it,, they called prior to the complaint and left messages and then called the same number multiple times each day, after they let. 

When I filed a complaint they stopped calling, they tagged my account with a XXXX which I did not request, just want them to be respectful when they call.
First Credit Services is trying to collect a XXXX Debt, that i settled, and paid off to XXXX XXXX XXXX
On XX/XX/XXXX, I received a letter from Fifth Third Bank, dated XX/XX/XXXX. The letter was titled " We 're Improving and Streamlining Overdraft Coverage Beginning XX/XX/XXXX'' and referenced an account ending in XXXX. I do not have an account with this bank. I contacted Fifth Third Bank the next day and spoke to XXXX. I told XXXX that this was a fraudulent account and that I had been the victim of identity theft in XX/XX/XXXX in which an unknown person had attempted to open three credit cards and did successfully open a credit card, using my name and other personal identifying information.XXXX told me that the account had been opened on XX/XX/XXXX. She began to compare the information used to open the account with my personal information and everything matched - name, address, home phone, social security number - except for the driver 's license number. As I was telling XXXX my driver 's license number, she told me I did n't need to finish as the driver 's license number on the checking account was different. XXXX told me that the account would be closed and I would be receiving a letter from Fifth Third Bank that I needed to sign and return. I then received two more letters from Fifth Third. The first was dated XX/XX/XXXX and was an Overdraft Notice for the checking account - the account was overdrawn by $ XXXX.I contacted the bank again on XX/XX/XXXX and was told the account was indeed closed. I received a Final Overdraft Notice, dated XX/XX/XXXX.
In a letter dated XX/XX/XXXX from Fifth Third Bank, I was notified that the bank had " investigated the case and have determined that the accounts were opened fraudulently '' and that I was not responsible or held liable in any way with regard to the checking account. The letter also stated that under the Fair Credit Reporting Act, I was entitled to ( but not limited to ) the application and records used to open the account. Details were given as to how to request this information and on XX/XX/XXXX, I mailed a request for all information used in the opening of the account : ( how the account was opened, information given to open the account ( including the driver 's license information ), email address used, IP address if account opened online, correspondence between Fifth Third and the fraudulent email address, transactions made with the account, etc. ). I included a notarized Affidavit of Fraud, summary of all information requested, summary of the identity theft ( credit cards and checking account ), and a police report detailing the credit card identity theft. I also included the name, address, email, and phone number of the sheriff 's deputy assigned to investigate the identity theft. I have yet to receive this information. When I called Fifth Third in XX/XX/XXXX, I was told that there was no information to provide as the information used to open the account was mine. But I know a different driver 's license was used and it does not matter if the information is mine or not, under the FCRA, I am entitled to it as a victim of identity theft.
I received a push notification on my phone from XXXX XXXX that a hard inquiry was done on my account from CBNA this evening ( XX/XX/2019 ). I never applied for anything from Citi Bank. I did receive notice by mail for an XXXX XXXX Mastercard through them but I set it aside to throw it away because I had just received a XXXX  XXXX card just prior and didn't want to damage my credit.
This is to re-open a previously submitted claim through CFPB regarding a dispute between myself and Citibank. The reason I am forced to file a new claim is because CFPB has marked the case ( XXXX ) closed without allowing me to respond or rebut Citibank 's response. 

In that claim, I stated a payment was made on XX/XX/XXXX in the amount of {$990.00}, which was the only payment I was referring to in my last CFPB complaint ( dispute with Citibank ). I was assured my account number was accurate and was legitimately able to make relevant payments. I first went on this assumption. I then waited 4 days to check with Citibank to make sure the payment went through properly, as I 've become aware ACH payments will not be approved/transferred in one or two days. 

OnXX/XX/XXXX, I contacted Citibank via their chat service available on their main website through my account. As I mentioned in my last submission, the main reason for opening that particular chat session was to check on that specific payment I submitted on XX/XX/XXXX. That was also the main reason for my submitting my last complaint about Citibank through CFPB, and Citibank conveniently ignored that aspect in their response ( which I will attach to this complaint when prompted to upload additional documents ). 

I was told very clearly that Citibank had received my payment, had accepted the payment, and that Citibank has been paid by me ( XXXX XXXX ). I will also attach that online chat session ( again ) with XXXX, the agent or representative assisting me in that particular chat session. 

I am again demanding the said amount I was assured had been paid to Citibank onXX/XX/XXXX per the said chat session with a Citibank agent or representative be honored as a payment, or for Citibank to admit they lied to me with such assurance.
XXXX XXXX called and left a message with employer threatening legal notice. I returned the call and I can only connect with voicemail on both the XXXX and XXXX. The agency is Streamline Recovery located at the following : XXXX, NY XXXX CONTACT THEM Phone : XXXX
I pulled all 3 bureaus reports and asked for validation or verification on the bankruptcy listed in my public record and each one came back as verified without any documentation or written proof. After I froze my account with XXXX XXXX ( completed XX/XX/XXXX) to whom supply my information, I then proceeded to re-dispute with the bureaus. Again same results verified yet no proof although at this point account frozen so impossible to verify. My next step was to address the courts about the matter ( completedXX/XX/XXXX ) which stated that they use a particular system that did not involve the verified parties. enclosed are the letter from the courts and XXXX XXXX showing my account being frozen yet account being verified after that date recorded date. so my privacy have been violated by the involuntary disbursement and usage of my personal information including social security number. parties involved XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX
I was involved in a pretty bad scam with Capital One, Im a XXXX year old who works full time and I am living on a dream here. 
I was sent XXXX on XX/XX/XXXX from XXXX XXXX all went without fail and I was able to retrieve the money and everything went smoothly. Then on the XXXX  XXXX sent me a sum of XXXX and gave me proof and information which I could show and prove of the transaction being authorized by said person. 
However, Capital One froze all my accounts and wont let me access the money because of some type of UN-authorized transaction but when I spoke to them they could not and still cant tell me any information on why this might be when I have proof of the instructions givin to me and the prior instructions on the XXXX running smooth and according to plan.
Someone used my name to register an account for XXXX ; however, I was NEVER associated with XXXX ever before. I think the person who did this likewise deactivated his or her account, so an account balance accrued. My phone provider is XXXX, and I NEVER transfer to any other carriers since I started using a mobile phone.
I have a bankruptcy on my Equifax credit file that I didnt file in XX/XX/2015 and it showing on my Equifax file and this is stopping me from getting a mortgage I never file in XX/XX/2015
ERC called me about a debt I owe for {$170.00}. I disputed and requested an itemized statement. They sent me a statement which shows I owed {$52.00} to XXXX XXXX. I called ERC and spoke to XXXX XXXX on XXXX @ XXXX and he was n't able to justify the billing amounts. He said let me get manager on the line and I spoke with XXXX XXXX @ XXXX. I asked him again why ERC is billing me for {$170.00} when the " itemized statement '' is showing only {$52.00} balance from XXXX. XXXX XXXX replied he does n't see what was sent to me and they do n't charge any interest or collection fees. I told them I wont pay {$170.00} if they can not justify the correct amount. The facts are not matching up so I informed them I will report this matter to the bureaus.
In XXXX I had a hardship. I noticed that no matter how much I paid on my Juniper ( Barclay 's Bank ) credit card the balance never came down. I was at 12.99 APR. I thought this odd since all my other cc were higher interest and the balance was reflecting my payments. So I called and asked for forbearance and also inquired about the balance and payments received. I was told that they could help by bring my interest down on new purchases for one year. As far as my balance they said I needed to pay more than the minimum which I did more often than not. After the phone call the closed my account. I made XXXX or XXXX payments and noticed no change in the balance and decided to stop payment on the Juniper cc and make payments on cc 's that were showing a positive result towards my balance. This was XXXX, up to this date I had paid nearly XXXX on a XXXX balance. They also locked me out of my online account to where I could not retrieve any information. Fast forward to XXXX. I have been receiving harassing phone calls from Juniper since XXXX asking for payment. I have sent letters, and have asked them to stop calling as I am not financially obligated to this account anymore. In XXXX XXXX the account was sold to a collection agency who told me that I had until XXXX XXXX to pay the settlement amount of XXXX or they will bring a judgement against me. I looked into my credit on both XXXX XXXX and XXXX and both show that Barclay Bank state that I continued to make payments up to XXXX of XXXX which is not only a lie but fraud. I have bank statements to prove otherwise. I was without employment. I was a student at the time, and refused to pay Barclay Bank due to their unfair practices back in XXXX. And since in XXXX I was the only one who was employed would be the reason for my asking for forbearance. Barclay Bank fraudulently added time and payments to my account so that they could continue to pursue, harass and ultimately sue me. 
I have disputed this with XXXX XXXX online, but will need to call XXXX to dispute.
american express claims that the charges on my statement that ive disputed were valid which is a lie.i have never made these purchases.they are fraudulent imam not paying for something that ive never ordered.i demand that american express investigates and credits my account or i am going to FILE a complaint with the FTC and the Better Business Bureau.
I have been receiving letters and calls from XXXX funding about a debt they claimed I owed. A few years ago, I asked them to provide proper validation that it was mine ( a statement from the original creditor or even the signed agreement that I signed up or agreed to the credit ) but they could not do so, so I requested they remove the collection from my credit report and they did. 

Then it looks like they sold that debt to Capital Management Services , LP and they are now claiming I need to pay THEM. When does this end? The alleged debt from what XXXX told me, was from YEARS ago supposedly ... is n't there a Statue of Limitations on how long they can keep contacting me and threatening me to pay them this debt? Please help ... this is not mine to owe.
I have disputed the late payment status reported on the account XXXX XXXX/XXXX  with the Equifax and XXXX..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.