WillisBack/dataset-financial-user-claim huggingface dataset:
deposited check via mobile app into XXXX XXXX ( XXXX XXXX  XXXX  account ) XXXX XXXX credited my account and then debited the account saying they never cashed the check. I contacted certegy ( XXXX XXXX XXXX processor ) and they over the phone claimed that they cant verify the check was cashed or not. they can only provide information if they approved the check cashing transaction or not. I requested my full report from certegy ( check services ) and listed under cashed checks was this check I deposited into my XXXX   XXXX XXXX account. Ive been scammed XXXX XXXX refuses to make deposit available and certegy is playing along. both doing Fruad and scamming people BE AWARE PEOPLE!
XXXX XXXX XXXX XXXX phone number XXXX Is asking for XXXX $ But they are paid in Full.. But it still on my credit report. Also Common Wealth Financial systems XXXX they are asking for XXXX Dollars. From a Hospital Emergency Problem I had with either XXXX and or XXXX. the hospital knew that I had XXXX through the VA hospital so their dept. is paid. But the doctor is asking for his money. I called the hospital they Have no idea who the doctor was. So at this point I do n't know how to talk to the doctor to explain that he can go through the VA hospital to get his money back. XXXX XXXX Hospital billing does n't even have this in their records. I do n't know what to do. I have insurance and the Govt. should have paid for this. I am frustrated Please Help
I have paid out XXXX to an attorney to help me save my home. It did not happen. XXXX, XXXX, XXXX and Bank of America have all had their hands on this house at XXXX point or another. I have been told to convert the chapter XXXX to a XXXX and give up my home. I am XXXX and so is my mom. I have a XXXX in my home for over 30 years. But nobody cares. All they want is to get their hands on the PMI insurance I have on the house and they get to sell the house to They have not offered me any kind of money to help me relocate Nothing. And this is the American way. All I can say is that I am a victim of predatory lending, something is wrong when the families are torn apart, the elderly and XXXX have no rights or protection. 
XXXX never served or tried to serve me any kind of summons, letters nothing. They are wrong. I need help because I did not come into this house poor, broke, no money, etc. Since I have been paying them my mortgage for over a year and my bills I am broke. These people broke all kind of laws and it looks like they are getting away with it.
I have requested myself to be removed as authorized user from the account that the owner has passed away and requested the lender also adjust it to credit report in this case is XXXX by sending Suntrust written request As XXXX XXXX ( Vice President of advocacy management office )!

However Suntrust Never responded to my request!!!!
Right now I 'm paying what I can but its not nearly enough to cover the past due balance, let alone the monthly minimum. 

After having to declare bankruptcy in 2011, my credit had improved to XXXX. 

When GSMR reported me 120 days past due, it dropped overnight to XXXX. Among other things, that affects my ability to qualify for employment. But I think the damage is already done. 


With regards to my account. The principal balance is $ XXXX. Unpaid interest is another $ XXXX. 

Outstanding balance is {$130000.00} Interest rate is 7.375 %. 

Past due amount is {$6100.00}. 

This does n't even include the private loans. 



My wife has student loan debt of her own around {$90000.00} with an interest rate north of 6 %. Our combined incomes lead the loan servicers to believe we can afford XXXX minimum monthly payments. This is simply not true. As her credit is better, we pay her loan payments in full to preserve her credit.
Transunion lists a {$300.00} claim under collection by XXXX XXXX XXXX ( XXXX ). 
This is listed incorrectly as I paid it in full and XXXX is aware of this. Obviously, my credit score is lower with Transunion than it should be and I need this corrected.
I submitted the loan Modification to Ocwen Loan Servicing, LLC. XX/XX/XXXX and conditions on XX/XX/XXXX. I do not receive Ocwen Loan Servicing, LLC. non-approved letter untilXX/XX/XXXX. Under California Homeowner Bill of Rights : SEC. 7.
Section 2923.6 of the Civil Code is amended to read : 2923.6.
( d ) If the borrowers application for a first lien loan modification is denied, the borrower shall have at least 30 days from the date of the written denial to appeal the denial and to provide evidence that the mortgage servicers determination was in error.
( e ) If the borrowers application for a first lien loan modification is denied, the mortgage servicer, mortgagee, trustee, beneficiary, or authorized agent shall not record a notice of default or, if a notice of default has already been recorded, record a notice of sale or conduct a trustees sale until the later of : ( 1 ) Thirty-one days after the borrower is notified in writing of the denial.
( 2 ) If the borrower appeals the denial pursuant to subdivision ( d ), the later of 15 days after the denial of the appeal But Ocwen Loan Servicing, LLC. ignored the law and continued foreclosure on my property, their attorney mail me the Notice of Trustee 's Sale date on XX/XX/XXXX.
Ocwen Loan Servicing, LLC. and their trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX continued to ignored the law and foreclosure my property.
Please see attach all documents for your to review.
I received a response from LVNV fundinXXXX, I never got a response from this collection agency until, I contacted CFPB. I 've asked for a resolution and as the company has only provided a bill, but not a copy off the contract according to the FCRA they have n't submitted anything validating the debt to LVNV. I 've asked for this verification and still to no avail has this happened. According also to the FCRA, a copy of the bill is n't validating a debt. A letter was submitted also to settle for a collection amount to XXXX XXXX. 
I 'm asking for your assistance in this matter, please assist with having LVNV provide complete verification as requested according to my rights under the FCRA. I would greatly appreciate it.
I this ca n't be done I am asking that this be removed from all 3 credit bureaus until this debt can be validated and settled. In the letter submitted it stated that we are not admitting that this debt is owed. Please ask for a copy of the letter submitted to them as well.
I sent a letter dated XXXX XXXX, 2015 to the most recent purchaser of the account, Jefferson Capital Systems, to verify the debt and to cease and desist any phone calls to my personal or business lines. I revived email confirmation that my letter was received. I received a letter from Capital XXXX Systems that they had received my request for debt verification for the account owned by Jefferson Capital Systems, the letter included my request for no calls to my phone. It would be prudent to mention that I have since sent Capital XXXX Systems XXXX other letters dated XXXX XXXX, 2015 and XXXX XXXX, 2015. 

I was informed my father received a call from a collections company looking for me on XXXX XXXX, 2015 but he could not verify the caller. He has since been informed to get the name of any collector that calls for me. However, I suspect it to be XXXX XXXX XXXX. 

I received a call on XXXX XXXX, 2015 from XXXX. They identified themselves as Capital XXXX Systems.
THIS IS BBT BANK 'S NINTH KICK OF THE MULE AND BOY ARE THEY THICK HEADED. AT THE SAME TIME I AM A TOUGH OLE BIRD. BBT YOU REALLY ARE N'T PORTRAYING YOURSELVES AS BRIGHT AT ALL. THE CONSUMER FINANCE PROTECTION BUREAU IS BRIGHT ENOUGH TO REALIZE THAT I WOULD NOT BEAT A DEAD HORSE. YOU ARE TRYING TO SKIRT THE ISSUE BY STATING YOU STAND BY YOUR PREVIOUS RESPONSE. WELL, I STAND BY MINE! THE CONSUMER FINANCE PROTECTION BUREAU REALIZES AS DO YOU WITH YOUR FAKE DECEPTION ATTEMPTS THAT YOU HAVE AVOIDED/ NOT ACKNOWLEDGED THE FACT THAT ( IN ADDITION TO NOT REVEALING WHAT YOU DID WITH THE CONTENTS OF MY SAFE DEPOSIT BOX ) YOU HAVE NOT/REFUSED TO ADDRESS THE ISSUE OF THE SAFE DEPOSIT BOX KEYS THAT I HAVE ARE NOT THE ONES I WAS GIVEN WHEN I RENTED THE BOX AND YOU APPARENTLY ARE REFUSING TO CHECK YOUR CAMERAS THAT WOULD REVEAL WHO WAS IN THE BOX ON THE AFOREMENTIONED DATES-OH WAIT, CAMERAS CAN BE ALTERED/TAPES CAN BE ERASED. THIS CAN AND MAY HAVE HAPPENED BECAUSE THERE ARE ALSO PLENTY OF DISHONEST PEOPLE IN BANKS!! AND NOW YOUR ( BBT BANK ) SENIOR VICE PRESIDENT IS SNEAKING INTO THIS MATTER. WELL, TO HIM/HER I SAY WHAT I HAVE SAID IN MY PREVIOUS RESPONSES AND IN CASE YA HAVE N'T NOTICED I AM NOT TIRED YET-WHERE ARE THE CONTENTS OF MY SAFE DEPOSIT BOX!!! SO XXXX, I LOOK FORWARD TO ADDRESSING YOU IN THE TENTH KICK OF THE MULE!!!
I filed complaint # XXXX about BANK OF AMERICA HOME LOAN and received an email today from CFPB that BOA can not respond to the complaint because I never submitted 3rd party  authorization. I submitted twice. Once by fax the other by direct email to XXXX on XX/XX/XXXX, @ XXXX XXXX along with additional documentation that was requested of me. I have been talking to XXXX XXXX and he has never told me that he never had it. He called me today and didn't leave me a message. He told me yesterday he would have a reply for me this week and now I see this from your offices. 

I am filing this complaint to address them not processing the modification request sent to them on XX/XX/XXXX and I am filing this complaint against Bank of America saying that I didn't submit a 3rd party letter authorizing them to speak to XXXX XXXX from XXXX  XXXX XXXX  who is a HUD counselor who is helping to assist me with the loan modification. BOA is running out my time so that this house will be sold without them dealing with the modification request. They keep asking for documents and every time I give them something they ask for more. I have proven there are funds to cover the modification but they won't accept or deny it nor will they offer any other options and this is what this company does by using up time to cause people further debt. I need help getting them to process the paperwork and not sale the house because they refused to acknowledge they dropped the ball and didn't process the paperwork submitted to them on XX/XX/XXXX.
I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX balance as of XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX XXXX to contact XXXX  regarding this problem.
I purchased a prepaid credit card from XXXX when I opened the package i did not like terms of service and fees so I asked for a refund of my money. Was refused and told I have to use the card. I then tried to register it and the site said it was expired so I called the company and was told I have to purchase a New card and pay for it. I refused. I called several times and finally It took over a year to receive the new card with no fee and when I did I registered it and checked the balance. It was {$0.00} so I called them and was told that the maitence fee used up my balance. I never had a chance to use the card.
I am receiving notification that I have a XXXX XXXX debt that I do not owe. It has been placed on my credit report and the debt collector has asked me to pay a settlement amount in which I do not owe. I have not paid it or agreed to pay it. Client services is the agency asking me to pay from {$270.00}.
Someone is using my credit card & has spent over {$400.00} on it, all of the purchases occurring in California & Illinois. I am tempted to contact the FBI because I have attempted to inform the credit card company since XX/XX/2018 but can not get hold of anyone at the credit card company. No one ever answers the phone although I have waited on the line for as long as more than 15 min. The message is always the same : " We're sorry but we're experiencing unusual delays. Please hold as your call is very important to us. '' or " We're sorry but all our representatives are still assisting other callers. Please stay on the line as your call is very important to us. '' I did voice a complaint to two employees through the 'chat ' line of this credit card company but each time was told that they can not assist me, that I have to call their 'security ' number. I have tried to call the credit card company 's number on my statement ( XXXX ) and a number one of the 'chat ' fellows gave me ( XXXX ) but to no avail. Obviously this credit card company does not care about its customers or the fraud that is taking place. This is the THIRD TIME I have experienced fraud with this credit card company & each time they have sent me a new card but it does not seem to stop the problem. I think it's an inside job. Also, the music while waiting is so loud it upsets my hearing.
We have had a family student loan for my daughter for 17 years now and owe more than the original loan amount. We keep having to pay interest while in foreberance. We are on a strict budget in our XXXX 's. I work but my wife can not. She has n't worked for many years. I would like to see if we can get some interest taken off the loan and put towards the principle loan amount. Please help.
My complaint is with Trans-union, XXXX, XXXX. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.
IQ Data International company spams people. I got a call from them one day stating that I owe some amount to my previous landlord. I know for a fact that we did not owe anything! In fact our landlord had returned us a part of our deposit amount after deducting all the move out charges. I contacted my landlord to find if there was any goof up and they told me that I owed them nothing. Moreover the apartment complex told me that IQ Data International are not their debt collectors.
  
  The lady on the phone insisted that I pay through credit card and that the payment must be done that day itself in order for her to waive off the interest amount. She sounded very legitimate - she knew the names of my previous roommates and she gave me a break down of the charges. When i refused to pay immediately, she transferred me over to another colleague who asked me what was stopping me from making the payment. All in all, it did sound fishy. They have even reported the fake debt on my credit report.
  
  They keep calling me regularly now. Infact they have even got hold of my office telephone number and they left a voicemail on that.
I have put a dispute in with XXXX about my Ad Adstra acct that they continue to report as validated and correct. I spoke with Ad Astra and they have informed me that this is incorrect and they reported to XXXX  that this acct is unreportable and they are unsure of why the tradeline is still on my credit profile with XXXX. I informed that I have explained this to XXXX on multiple phone calls and disputes online and they still will not honor what is being reported by the company Ad Adstra. I have a recording of the phone call between me and ad adstra and this proves what I am saying. It can be validated with the company and the supervisor XXXX that I spoke with on what was told to me. I am feeling that the last resort in this case if this and reporting to the CFPB does not work that I must continue with my legal advice and seek litigation from this company. The call that I have recorded was OK 'd to be recorded by both parties and it was also recorded on the colletors end. All other bureaus have complied except XXXX   and I am not sure why.
citi card was charging me a phone payment besides the auto pay every month with out my authorization. I had no knowledge of the phone payment. When I contacted them they did not provide a clear response to the issue.
It was very difficult to pay my loan due to hardship times and when I would call they would not work with me at all. All they would say is " we would garnish your wages ''. So now I had no choice but to dip into my XXXX to pay my loan off with sallie mae.
SUNRISE CREDIT SERVICES Account number XXXX I received a letter stating that this account would be removed directly from SUNRISE CREDIT SERVICES they failed to provide proper validation and verification as specified in FDCPA Act. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows, SUNRISE CREDIT SERVICES, or any third party law firms and collection agencies are in accordance with the OHIO LAW 1319.12 ORC. License required ; application ; fees.
I 've contacted each of the credit bureau and requested that they remove an account with   XXXX   XXXX   XXXX   that is reported as as a collection account, but its status is open and the high balance is one amount and the amount owed is much higher as well it continues to increase in balance monthly ...
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by Capital One bank of a fraudulent application submitted with her information without her consent that left a fraudulent inquiry on her XXXX, XXXX and XXXX credit reports XX/XX/XXXX. An official dispute of this was faxed to Capital One XX/XX/XXXX however as of this date no reply or update of the investigation has been provided. This is a violation of the FCRA and my clients consumer rights.
I do not owe any medical bill in this amount, this is inaccurate. My health care insurance pays it. Inaccurate data disputed and never heard back.
I am being aggressively contacted and threatened with legal action about a debt that I don't owe and that no one has even tried to validate. 

I received a letter from XXXX XXXX XXXX, dated XX/XX/XXXX, that incorrectly stated that my XXXX/XXXX XXXX account is in collections in the amount of {$500.00}. This is not true because I paid off the card on, and didn't use it after, XX/XX/XXXX. 

I responded with a request to validate the debt on XX/XX/XXXX. I never received a response to that request. 

XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX, that said I owed {$500.00} and if they didn't hear from me by XX/XX/XXXX, they'd pursue legal action. I responded with a request to validate the debt on XX/XX/XXXX. 

On XX/XX/XXXX, I received a certified letter from XXXX XXXX XXXX, again stating that if they didn't hear from me by XX/XX/XXXX, they'd sue me. 

In addition to the aggressive attempts to collect on a debt that I don't owe ( and that has yet to be validated ), XXXX XXXX XXXX has been calling me excessively ( two to three times per day on the weekend, and at least once per day ). I requested that they put me on their Do Not Call List, only to have them call me again two hours later. 

You may wonder, " Why won't you speak to XXXX XXXX XXXX over the phone? ". Because I have read a lot about their shady business practices, so I will only communicate with them in writing. 

Here are the dates and times XXXX XXXX XXXX has called me : XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX ( this is when I told them to put me on their Do Not Call List ), XXXX XXXX, and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX This is a lot of harassment and attempts to aggressively pursue a debt that I don't even owe.
1. LoanDepot refused to refund me the payment ( {$3200.00} ) made on XX/XX/XXXX ( via automated on XX/XX/XXXX ) Payments made in XX/XX/XXXX : A. XX/XX/XXXX for XXXX Mortgage ( {$3200.00} ) B. XX/XX/XXXX ( Paid through automated system on XX/XX/XXXX ) for XXXX Mortgage ( {$3.00}, XXXX ) C. XX/XX/XXXX paid {$3200.00} upon the report on the XX/XX/XXXX that the payment of XX/XX/XXXX was returned. SECOND PAYMENT MADE TO LOANDEPOT DUE AS THE MONTH WAS ENDING SO AS TO AVOID A " 30-DAT LATE ''.

D. Payment made on my XXXX XXXX account to LoanDepot on XX/XX/XXXX and IT WAS NEVER RETURNED E. Claim ( Claim # XXXX ) established with XXXX XXXX based on the LoanDepot 's report that the payment of XX/XX/XXXX was returned on XX/XX/XXXX for NSF. 

F. XXXX XXXX gave a TRANSACTION # XXXX and confirmed that the payment was made to LoanDepot on XX/XX/XXXX. 

G. A three-way telephone call was done with me, a XXXX XXXX staff, and a Loan- Depot staff called XXXX ( Extension XXXX ). In this meeting, XXXX confirmed the above transaction number and requested that I faxed my bank statement to convince LoanDepot that the XX/XX/XXXX was not returned. I faxed the statement to him as requested and he called the following day to confirm its receipt. 

2. LoanDepot reports unfounded " 30-DAY LATE '' RUNNING CLIENT 'S FICO SCORES A. We paid our mortgage around every XXXX because of the way we are paid at our jobs in the last 5 years. 

B. Payment returned on XX/XX/XXXX was not communicated on time and my husband 's bank never did also ; resulted in payment going through in XX/XX/XXXX. 

C. Contacted LoanDepot to please do a courtesy removal of this late payment having been doing business with them in almost 5 years but they explained it wasn't possible and I forgot about it.

D. In an attempt to refinance, it was discovered that they reported UNFOUNDED " 30- DAY LATE IN XXXX, XXXX. Please see the attached. 

E. According to my husband, LoanDepot presented two ( 2 ) payments for the month of XXXX which messed up his account, later resulted in a " 30- Day Late '' as the payment went through on XX/XX/XXXX.
Submitted a new auto loan application on XX/XX/2018 which was approved at 3.29 % APR locked until XX/XX/2018. Contacted bank to issue loan funds on XX/XX/XXXX and was told that I would have to re-apply because settlement method changed from dealer funding to refi funding ( still for same new auto product ). Further told that bank would not honor locked 3.29 % APR, and instead APR was  given at 3.49 %. Asked to escalate request to honor locked rate, and was spoken to unprofessionally and escalation was refused.
I had 2 accounts with XXXX which reported as closed by consumer suddenly Experian changed it to close by the grantor. When you look on the same day Experian report from yesterday one shows closed by grantor while the other does not show that statement. ABSURD!