WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, XXXX I submitted a short sale application to Ditech. I was represented by a law firm. I submitted every document that Ditech requested to the law firm in a quick, timely manner. I submitted documentation, to the rep. for a total of 18 months. I had two buyers in a contract to purchase the home for the amount that was requested by Ditech. I am a senior who is facing expensive medical issues many of them are due to the stress that was associated with the long drawn out process of being denied to short sell the property. 
I have been in a financial struggle for two years. In spite of having two loan modifications, it was not feasible for me to keep the property secondary, to expensive maintenance, and high HOA fees. I am retired and have been living on a fixed income for the past 8 years. I had the home on the market in XXXX & XXXX the home appraised at {$310000.00} I have two mortgages on the home. I could have paid the home off prior to the recession and would have satisfied both loans. I retired in XXXX and kept the home for eight years until it became too expensive for me to keep. The same home in the XXXX of where I resides did not lose value during the recession the home built by the identical builder is appraised at {$400000.00} today. This is truly unfair. My home 's value plummeted to {$130000.00} during the recession. The appraised value today is {$160000.00}. 
Ditech, decided to foreclosed on the property on XXXX XXXX XXXX. I was never given a reason as to why the home was foreclosed on. I have an unheard of credit score. I have never paid a bill late or missed one. Ditech did not take my credit score into consideration. I have been treated unfairly by Ditech, for almost two years.There is no justification for not allowing me, a XXXX retired, widowed senior, who served this country for over 40 years as XXXX am a XXXX, my home which I invested my life savings into should have never been foreclosed. Now my credit record is ruined. I have requested a Deed-in-lieu however, I was informed that it is too late for Ditech to stop the foreclosure. Green Tree formerly, Dietch was fined {$63000.00} XXXX dollars in XXXX, XXXX for mistreating customers. They reorganized and changed their name to Ditech and the unfair treatment of customers, continue. I am requesting that CFPB conduct an investigation against these destructive practices that Ditech is employing against innocent American citizens especially seniors. 
Please protect me. 
Respectfully,
Perfection Collections has an account on my credit report for an alleged debt thru XXXX. I have spent well over 30 days trying to get documents to validate this debt, and they are not cooperating. I sent a certified letter to them, and they have not responded with the documents I asked for, and refuse to delete the account from my credit report. The account is shown with an amount due of {$1900.00}. I have asked for something in writing from XXXX showing the charges that equal that amount they are reporting on my credit, and XXXX states they do not have that. He has since sent me a pretty generic statement showing a list of invoices, with a list of payments, and none of that shows an amount due, the original amount, etc.. The contract thru XXXX  does NOT mention that I agree to pay a 3rd party, or any assignees, it shows several areas scratched over, and changed, and Ive certainly never had a contract with Perfection Collections. When I spoke with the supervisor at the collection agency he stated that since they bought the account they bought the contract as well, and thats why I owe them. I told him that was against the law, you can not substitute yourself into a contract, and he states thats perfectly legal, even tho subrogation is against the law with debt collection- The right of subrogation does not exist for a stranger to the transaction XXXX XXXX XXXX XXXX, section XXXX. This has been an ongoing battle, XXXX keeps telling me that they have validated the debt, and they wont delete the account, even tho I have proven that they are in violation. I am located in Texas, and the laws in Texas are very specific about what the collection agencies have to provide, and Perfection Collections is not providing that information and they are violating my rights.
After checking my current credit report, on XX/XX/XXXX I contacted Transunion again in hopes to resolve an ongoing mistake on my credit report. I was not able to fully understand the name of the person I spoke to due to it being a huge language barrier between us and as I could tell she was not a Native to the U.S. There were multiple unauthorized inquiries on my credit report that has re appeared without notice. They I was notified originally during two separate system breaches that the inquiries had appeared ( one in XX/XX/XXXX and also again in XX/XX/XXXX ). I eventually got them rightfully removed but as mentioned above they are back. I would like to have them removed because they are not authorized to be there. I am very familiar the FCRA and my rights as a consumer and I no longer want this reflecting on my report. 

Name : XXXX XXXX DOB : XX/XX/XXXX
Three times I have received phone calls to my cell phone from ostensibly a collection company. They identify themselves as National Service Bureau. They gave me this website for them : www.NSBI.net. 

Each time they call they ask for sensitive information such as my date of birth, verify my mailing address, etc. Each time I tell them I do NOT owe anyone any money and if they have my address and think I do to send a letter. They have refused to send me a letter validating the claim. I suspect, if they were legitimate, then they would already have my address and would send at letter as the very first step anyhow. 

I subsequently called you the CFBP and learned that they have to provide their professional license number. I called them back and they refused. The only thing the guy gave me was ostensibly his name, XXXX XXXX. His phone number is # XXXX. 

I have perfect credit and pay all my bills weekly in full. If there 's anything I missed I 'm glad to pay it, but I do n't want to fall victim to some identity thief. Please investigate this for me. 

At he very least, they have violated the law in not validating the amount owed and whom to. Additionally, they refuse to provide their license number. 

Thank you, XXXX XXXX.
This complaint is against CitiBank. 
Per my friend 's recommendation, I applied for a Citigold checking account owned by CitiBank following the link on the internet in XXXX. The promotion advertisement listed the following conditions : 1 ) Open an account with CitiBank. Deposit money. 
2 ) Make payment for ( 2 ) consecutive months 3 ) Make a purchase worth {$1000.00} As a result, we will be offered XXXX miles. Meanwhile, Citi will charge my account {$30.00} per month for three months if the deposit is less than certain amount ( Maybe {$50000.00} ). 
The application was accomplished in no time with a promo code. Money was deposited. Payments and purchase were made. At the beginning of XXXX, I called Citi to inquire about the status of XXXX points and was informed that I had met all the requirements and the claim had been setup while the process would take up to three months to complete. XXXX XXXX is the date I should call back for the final result. 
On XXXX XXXX, I called to follow up. After spending long time waiting and explaining, I was told that she needed to confirm some information and let me know later. However, I never received a call from anybody from Citibank for this. The only thing I know is, Citibank charged me {$30.00} per month so I was charged total {$90.00} in these 3 months. I sent a few bank security messages for this matter. I finally received an answer, which I believed it is an excuse. The promo was offered to targeted customers while I was n't. This is not acceptable. If this offer was for targeted customers, why did CitiBank put it on their website. Why did my application pass through their review following the link? This was an unpleasant experience. I asked them to close my account instantly, meanwhile, warned to file a complaint to CFPB. My request to solve the issue is either citi should award me {$50000.00} XXXX points or refund me {$90.00} and apologize for wasting my time.
XXXX XXXX. Received a call from a representative from Commonwealth Financial stating I owed  a medical debt and if I did not pay he would forward the debt to my credit report. I ask what debt as I had medical insurance and did not owe anyone. he said dont worry about it, you will see it on your credit report. 
XXXX XXXX pulled my annual credit report, Commonwealth reported {$230.00} debt to all three credit bureaus. XXXX XXXX XXXX, I responded to Commonwealth Financial with a registered letter asking for validation on debt. Did not receive validation within 30 days per federal guidelines and false debt still listed on all three credit report. ( XXXX XXXX and XXXX ).
I have a Bp Visa credit card from XXXX. I was notified in XXXX, 2015, that the credit card was being transitioned to another to another bank. I was told to continue to use the credit card until a new card was mailed in XXXX. 
The bill for the XXXX XXXX XXXX card came XXXX/XXXX/15. As has been my practice, I scheduled the payment from my checking account to be deducted XXXX/XXXX/15 ; I also received a XXXX digit transaction number for the scheduled payment. 
As I review my checking account activity on a daily basis, I noticed the payment had not been deducted. On XXXX/XXXX/15, I checked the XXXX credit card account online and was denied access. 
I contacted the card 's customer Service and was told the scheduled payment had been cancelled by XXXX on XXXX/XXXX/15 ; the agent acknowledged that no notice had been given by XXXX. I requested the card balance and was informed of that a {$25.00} late fee had been assessed against my account. 
I complained and the late fee was removed from the card. 
My complaint is XXXX fold. First, the scheduled payment was cancelled by XXXX and I received no notification - no E-Mail, phone call, etc. Secondly, a late fee was charged to my account. 
I consider these actions by XXXX to be irresponsible, unethical, and illegal. Had I not been proactively reviewing my accounts, I never would have known of the transition and late fee charge. 
A question : how many other XXXX XXXX XXXX card customers are being treated in the same manner, and being assessed inappropriate banking charges?
From the Desk of XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Email : XXXXXXXXXXXX XXXXTo Whom It May Concern, I am writing this letter in the hopes that you will help me with this unfair and overwhelmingSituation that I find myself in. I believe now that these original consumer lease agreement that was granted to me by Ford Credit Company was illegal and violated my rights as a consumer. I will list below some of the issues and facts that are the most obvious and reference. 

The Ford Dealer and the Company Ford Credit discriminate me by my national origins offer me XXXX flipped loans with terms that are less favorable, like a higher interest rate. 
The company flipped my cars 3 times and the last time it was a lease .I got a Ford Explorer XXXX for 24 months lease terms. 
The payments were very high at the end of my Lease after 24 months Ford Credit told me that I have 36 months. I asked them that it was not what I signed it in the Ford Dealer. 
The Ford dealer closed it. Now Ford Credit has those Predatory Lending contract with the 12 months added by the dealer that now it is not in Business for fraud and malpractices. The Dealer represents Ford Company as a Franchise. Ford Credit has the predatory lending contracts. I am paying for every month to Ford Credit, not to the Dealer. 
The company offer me in market the same car a Ford Explorer with a lease for 24 months for {$220.00} per month. My lease was 24 month for {$470.00} per month and also the Ford Dealer and Ford Credit added another year.I am paying almost XXXX around 50 % interest compare with the prices in the market. 
It looks to me like a Predatory Lending in a car lease and flipping of Car Loans. 
I need the reimbursement me for the high interests that I did pay already for my lease. 
I need assistance from the Financial protection Bureau to stop the harassment, abuse and stop the treats of legal retaliation in my credit report. The Lease is over paid. 
Best Regards, XXXX XXXX
ARS ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
I have contacted XXXX XXXX and have obtain proof that XXXX XXXX has paid this bill according to the contact enclosed is the form that was sent to me. I advised this collection agency the same information and they still place account against my credit. I feel this collection agency violated rules and regulation and should be punished to the full extent of the law this collection agency CEO and staff feel there above the law and do not have to obey rules. Rules and laws are there for everyone to obey, and what XXXX XXXX XXXX have done in this action is with disregarding all rules place by the Fair Debt Credit Act and should be fined. Enclosed is the verification that XXXX XXXX has sent me that the account is only XXXX invoice for {$1500.00} however again violating Fair Debt Credit Act Ability Recovery Service placed XXXX account same opened date of XXXX/XXXX/XXXX and same amount of {$1500.00} and same company which is XXXX XXXX XXXX XXXX. This bill to XXXX XXXX XXXX XXXX were paid in full. XXXX enclosed payment verification. I will also be filing complaint against XXXX XXXX XXXX XXXX to XXXX for the stress that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have placed on a person with XXXX XXXX, XXXX, and XXXX XXXX and XXXX XXXX replacement. 
Because of the stress your agency has caused me with the phone call and letters although I told your collector that this bill was paid with amount and date payment was paid to XXXX XXXX XXXX XXXX and faxed a verification of the payment to XXXX XXXX XXXX and they failed to call their client and verify the information. 
Your agency and your client XXXX XXXX XXXX XXXX has caused me to get readmitted. I will also speak to the XXXX XXXX for Florida XXXX
Portfolio Recovery Associates LLC keeps sending me, and has called me several times in the past, for a debt I allegedly owe XXXX XXXX with a Current Balance Due of {$580.00}. It lists it as a current debt on XXXX XXXX, XXXX and that is impossible. I have not used any credit since XXXX when my business in the Florida XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt to XXXX XXXX over 8 years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any debt I might have owed XXXX XXXX at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. When called by people representing Portfolio Recovery Associates, and they are very good at trying to disguish their identity and the identity of whom they represent, I have never offered any information concerning any debt. Therefore I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off several years ago.
On XXXX XXXX, XXXX XXXX XXXX XXXX reported a collection account on my credit. I contacted them and paid the balance in full on XXXX XXXX, XXXX. XXXX I noticed that the account remained open on my TransUnion report, so I filed a dispute indicating that I have paid my obligation and the results came back as Verified as accurate. I filed another dispute because I disagree with the results and that dispute came back with the same results. I contacted XXXX XXXX XXXX and was advised they had reported to all 3 bureaus that I paid in full and it should be removed or show closed. Then I contacted TransUnion and filed 3rd dispute. I was asked to submit a copy of my credit card statement that shows the date and the payment amount to XXXX XXXX XXXX. I just received a letter from TransUnion stating they will not be updating my account and that the information is accurate. I 'm now beyond frustrated because the other 2 bureaus have updated the information, but TransUnion refuses to update the information correctly, which is resulting in my credit score continuing to drop because of an account that had been paid off since XXXX. Its not fair because I paid my obligation and my score keeps falling because someone at TransUnion is not following proper guidelines.
I received student loans with the understanding that my loan would be forgiven after completing 5 consecutive years of XXXX  as a highly qualified XXXX, in a XXXX XXXX XXXX, and in a needed subject area. I have completed these requirements during the last five XXXX   years. Navient fails to recognize my last year of XXXX  stating that the XXXX  in which I XXXX was not a XXXX XXXX XXXX. I have explained to Navient that the XXXX  in which I taught in the XX/XX/XXXX-XX/XX/XXXX XXXX  year was recognized as a XXXX XXXX XXXX when I signed my contract in XX/XX/XXXX. It is my understanding that a 90 day attendance count is used to determine the eligibility of a XXXX  to be considered a XXXX XXXX XXXX for the current XXXX  year. At the 90 day period, the XXXX  where I XXXX  for my fifth consecutive year was not at the XXXX XXXX XXXX level. I attempted to file my request for loan forgiveness with Navient on three separate occasions. The first two times the paper work was rejected due to clerical errors. On my third attempt, Navient informed me that my last year of XXXX did not qualify because the XXXX  was not listed on the Federal list of XXXX XXXX XXXX. I attempted to explain this to Navient loan officials to no avail. The loan is now in forbearance until this matter is settled. I feel that I have complied with the terms of the provisions of loan forgiveness as stated to me when I graduated.
I submitted a dispute regarding my XXXX account : XXXX. The dispute was resolved by your company in XX/XX/2018. This caused a huge drop in my credit score. I want to know what fields were changed in my credit report on this specific account, after the dispute was solved from your end. What information was edited on this specific account and how it differed from what was reported prior to the dispute. Was the " status updated '' date changed? Was the " charge-off amount '' changed? Was the debt renewed? What additional comments or information was added to this specific account? 

Please reply with all the information that was edited after the dispute was solved.
XXXX XXXX constantly changed the amount they said I owed for my treatment with them in XXXX and early XXXX. However I paid it every time they gave me an amount, always thinking I was paid in full after insurance. At one point I was actually overpaid over {$100.00} because they were overcharging me. Then in XXXX XXXX, XXXX they sent me to collections for {$32.00} and {$7.00} for a total of {$40.00}, which they never sent me a bill for just sent me to collections. On XXXX XXXX, XXXX I paid and did n't argue with them, thinking I was paid in full six months after my XXXX ended. XXXX XXXX, XXXX they sent me a bill for {$180.00} and I called for a detailed statement. All I got was another statement with credit adjustments and now saying I owed {$36.00}. This time I went to XXXX XXXX to try and resolve the matter. There they said I owed {$3.00}, as I was going to pay this I decided to make them call the Accounting Department to explain the {$36.00} versus the {$3.00} because I wanted this paid in full, over and done with since I had not been there for treatment since XXXX XXXX. When Accounting forwarded the statement after waiting about an hour, it showed {$36.00}. I paid that instead of the {$3.00} and said I wanted something showing I am paid in full and do not owe them anything more. I received the attached detailed statement showing I paid them {$36.00} on XXXX XXXX, XXXX with a Patient Responsibility of XXXX. I do believe this was for one of the overcharges they they credited me at one time and reversed but I just wanted it done and paid it, it was clear they did n't know what they were doing. They assured me they would get everything taken care of with the credit reporting agencies because this was all their mistake in their Accounting Department with changing the amounts and not filling me in six and nine months after my XXXX was over, when I thought I was paid in full. I do not owe this {$32.00} on my credit report, another new amount, but from the XXXX XXXX date where they started the collection process and I immediately tried to take care of it. This should not be anywhere on my credit, nor should it ever have been. I was not aware they never fixed anything with the credit reporting agencies until I applied for my car loan in XXXX XXXX. And this says {$32.00}, It took me a while to find all the receipts and documentation, but I did and it is attached. Thank You.