WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX has attempted to collect the debt of eviction which we do not owe or was discharged in our Bankruptcy. 
Recently, We have received a letter dated XX/XX/XXXX from California, Department of Fair Employment and Housing stated in the paragraph number 2 : '' The owner 's representative indicated that you were denied tenancy ... On XX/XX/XXXX, XXXX informed the property manager that he was denying your applications due to an eviction. " ( please see attachment, Closure Determination and Request for Additional Information. RE : XXXX v. XXXX and XXXX ). 
In contrast, we recently requested the credit report from Trans Union and the credit report showed that we have very good credit and no eviction record. 
On or about XX/XX/XXXX, we contacted XXXX about the inaccurate information from the letter dated XX/XX/XXXX from California, Department of Fair Employment and Housing in which they disputed in the housing discrimination complaint and I was told that they checked our credit reports from Trans-Union Credit Report on XX/XX/XXXX and the credit report showed the inaccurate information that we have bad credit and eviction record ( according to the words of XXXX ). 
The XXXX also told me that they could not show us the report because the report from Trans Union showed differently between landlords ' and tenants '. The Trans Union only showed the inaccurate information to landlords ' requests. the XXXX also told me that they were informed the eviction record from the XXXX. 
On or about XX/XX/XXXX and XX/XX/XXXX, I contact XXXX regarding the inaccurate information in the letter dated XX/XX/XXXX from California, Department of Fair Employment and Housing, XXXX, manager told me that the XXXX reported the incorrect information of eviction for our family to Trans Union, XXXX, and other Credit Report Bureaus. Also, The XXXX demanded that we have to pay the debt of eviction which we do not owe or was discharged in bankruptcy, if not they will continuously report us to Credit Report Bureaus and XXXX until we pay. 
The XXXX and XXXX also demanded us to pay the debt we do not owe or was discharged in bankruptcy for the XXXX because both of them told us that they are friends and because we filed housing discrimination charges to HUD against both of them XXXX and XXXX. 
The Trans Union reports inaccurate information of eviction which we do not owe or was discharge in bankruptcy. 
We filed bankruptcy chapter XXXX in XXXX and got discharged all debts.
Since filing my original complaint with CFPB # XXXX In which COMMONWEALTH FINANCIAL SYSTEMS AGREED TO DELETE A DISPUTED CLAIM, they simply deleted original claim & refiled same claim changing the dates & omitting the name of the alleged hospital. I am now disputing that claim. Since filing, I 've seemed to have became a target of their wrath, today I received XXXX additional claims in total XXXX open claims. 
CFSI ACCOUNT NUMBERS XXXX, XXXX, XXXX In addition to filing a complaint with CFPB after the second filing of original claim, I have lodged a complaint with the State of Florida Department of Financial Responsibility ( Florida 's department that handles Fair Debt Collection Act complaints. 
Since Commonwealth simply changed dates & refiled same complaint with CRA 's I believe they are committing FRAUD & view their company as disreputable. Am requesting that the CFPB investigate Commonwealth & help myself & other victims of their activities. uploading all the information @ this time.
I was an authorized user on my fianc 's credit card for almost a year but I decided to have him call this credit card company to remove me from the account. When I was initially authorized and received my card in the mail, I was not able to activate the card. No reason was given from 1st day it was opened and remained that way after several failed attempts of trying to activate card. A month and a half later, XXXX XXXX XXXX called me about collecting debts from 2013. I asked them if that had anything to do with the Capital One Card I was an authorized user on and they said he. I called Capital One again in XXXX but the made Cardholder speak on my behalf. He explained what happened, they said there was nothing they could do and removed me from his account and updated my credit report as of closed the account with his balance. I have received calls from this XXXX number who asks for my fianc after stating she's on a recorded line. I asked where she was calling from so he could call back after his shower. The call happened tonight at XXXX. They would call his phone 1-5 day and respond in one of two ways- " We are calling because your payment is past due and if you need us to help you with payments, stay on the line ( on hold for 20 seconds or so and they end call. Capital one is harassing me and I never even had the opportunity to use the card! So why are they doing this after ive asked them to stop multiple times. This is 3rd call this week but this specific call was the time we spend unwinding after dinner. I would like to pursue the next step after this has been documented and is found to be in violation of my rights. Thank you!
Dear Sir I purchased my home in XXXX XXXX CA. in XX/XX/2015 XX/XX/XXXX after making my mortgage payment I signed up with Nationwide after being told I would be paying my house off much sooner and even reducing the interest on my loan. I was told that my only cost would be {$3.00} after each debit payment. 
After signing on with Nationwide I received some information however did NOT receive a copy of our agreement. 
XX/XX/XXXX I received an e-mail from Nationwide stating that they were being force out of business, and would no longer be making my bank payments after XX/XX/XXXX. At this time I have an excess of {$700.00} that had been withdrawn from my bank account. 
I called Nationwide this morning and after over an hour of waiting I was finally able to talk with a real person. 
I was told that I would not be receiving a refund that my {$700.00} was a Setup fee. 
I ask the lady that I spoke with to send me a copy of our agreement, since I had never received one, which she did comply with. 
Even though I was told that my only costs were the {$3.00} bi-weekly fees associated with the bi-weekly withdraws from my account. 
As you can see from the agreement that was sent to me this morning, there is a Setup fee which for me is {$700.00}. 
It also shows that no moneys extra will be paid to my principal balance. 
Now tell me, why would anyone ever agree to this? 
I am hoping that you will be able to help me or at least help me contact someone who can. 
I am XXXX years old and can not afford to lose this money.
I disputed the follwing at Experian credit reporting agency. in addition, on XX/XX/2018, asked them to validate the debt. Experian failed to validate the debt and only updated the debt. 

Results Report Number : XXXX Date Generated : XX/XX/2018 XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 




Also, XXXX and XXXX could not validate this incorrect debt and XXXX and XXXX has removed the negative entry.
I HAVE TRIED UNSUCCESSFULLY FOR XXXX YEARS TO GET MY TRANS UNION REPORT ; IT TELLS ME TO COME BACK LATER, THEN SYSTEM SAYS CONGRATULATIONS YOU RECEIVED ALL OF THE REPORTS, BUT I ONLY GOT EXPERIAN & EQUIFAX & CAN NOT GET THE TRANS UNION REPORT. I NEED THE TRANSUNION REPORT TOO.
recieved my bill for payment due XXXX/XXXX/2017 again now where does it state how many days in this billing cycle. 
so how many days in this billing cycle? 
states " accrued interest '' {$86.00} how much of my payment of {$420.00} actually goes to interest and how much goes to principal? 
do i owe any late fees?
My name is XXXX and I got a student loan from Navient back in XX/XX/XXXX. I was an immigrant from XXXX and wanted to get a 2 year degree from the XXXX XXXX in Arizona, so I can find a job to support my family. When times got financially hard, I found it difficult to pay my loan and Navient was not very helpful or supportive. In XX/XX/XXXXwe moved to XXXX, Texas because my employer filed for chapter XXXX and my family and I got transferred. This move was a serious life event and the first couple years I struggled to pay my bills, including my Navient loan. When I called Navient, the agents did not seem to care about my situation and the interest just kept going up and made it impossible for me to catch up. Navient has been also calling my wife and leaving automated VM on her cell, reminding that " Payment is due ''. This is my loan, not my wife 's! Navient should stop harassing family members! I 've been trying to pay this loan for almost 20 years and the amount of this loan is the same as it was when I just got it in XX/XX/XXXX ( {$6800.00} )! Navient 's failure to support me ( or other costumers ), results in delinquencies and it makes it hard for former students to pay the outstanding balance off ( my wife also has a student loan, and she is about to finish paying, because her company worked with her and helped come up with solutions, when we just moved to XXXX ). The interest Navient is charging its clients is very high, not reasonable nor realistic. Not only that I gave up paying off my loan, but it also ruined my credit history. I made several attempts to negotiate with Navient ( after my move to Texas ),  despite all of my requests, provided proofs, phone calls etc., they sent my account to collection. We are not able to get any loan or mortgage because they ruined our credit history! This company is fraud and a big disappointment! We would be very thankful if you can help us clarify our situation and look forward to hearing back. Sincerely, XXXX XXXX
I had sent an ACH payment from my business account to a company, and when I did the input through my Cash Management portal from my bank, I made an error with the recipients account number. The receiver never received the funds, and I did a ACH Return report for my bank ( XXXX ), whereby they investigate and request funds to be returned to us. Capital One Bank, the recipients bank never returned the funds. The recipient has even gone into Capital One to make them aware and they say they will " look into it ''. It has been almost a month now and no response. I sent a second ACH, with proper acct number etc and the end recipient did indeed receive it. The amount of this transaction is {$3700.00}. 
Capital One is not responding and I am out this money. Since Cap One would not know where to put the money since the account number was wrong, I assume it is sitting in some holding account or whatever. This is quite simple to check out and I do not know why they do not respond. They wo n't talk to me as I am not their customer, and the recipient has gone in several times already on this. 
This is not proper nor ethical. My company is XXXX and I use XXXX and I sent the funds to XXXX who uses Capital One Bank. 
The IMPROPER acct number used was XXXX. The PROPER account number is XXXX. The first XXXX numbers were missing originally. 
I have attached print screens from my banking showing I sent both the improper and the proper payment ( which made it to the recipient ).
My XXXX XXXX XXXX XXXX CC ending in XXXX ( synchrony bank ) is blocking me from enabling external applications. At first I had no issues but since last week all of a sudden the app I was using was blocked with no explanation as to why. I have reached out to XXXX XXXX XXXX XXXX by Synchrony bank about this but they have not resolved the issue. I would like this resolved ASAP. Thank you
In XX/XX/XXXX I contacted Experian asking them to remove the bankruptcy the listed on my credit report. In addition, I asked them to provide me with a ) the name of the courthouse ; ( b ) the persons name you verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. Their response to my dispute was the United States Bankruptcy Courts of Illinois is the company that reported the bankruptcy on my credit report. In XX/XX/XXXX, I had reached out to the United States Bankruptcy Courts of Illinois asking them if they had provided this information to Experian. In response, I received a letter from them stating that the courts do not perform any activities with the credit bureaus. I submitted this letter to Experian and they are still refusing to provide me with accurate information on how they are reporting this bankruptcy on my credit report. Since, they are falsely doing so, I have decided to reach out to you for assistance.
IN 2009 MY APARTMENT WAS BROKEN INTO AND THEY TOOK ALL IDENTIFICATION ALONG WITH PEROSNAL BELONGINGS, COUPLE YEARS LATER I START GETTING COLLECTION CALLS AND AT THE TIME I WAS UNEDUCATED ON CREDIT REPORTING AND UNAWARE OF HOW THINMGS WORKED. I ENDED UP PAYING TWO DIFFERENT COLLECTION AGENCIES OVER {$2000.00} AND COME TO FIND OUT THESE AGENCIES WERE FAKE, THEY SCAMMED ME! THE CALLS CONTINUED AND THEIR WERE MORE AGENCIES TRYING TO COLLECT, THEY WERE CALLING FAMILY OUT OF STATE, MY EMPLOYER IT WAS GETTING OUT OF HAND. AS THEN YEARS WENT BY I STARTED MONITORING MY CREDIT REPORT FILE TO FIND SEVERAL FRADULENT ACCOUNTS AND GOT THEM ALL REMOVED, HAVING THE ORIGINAL CREDITOR CONFIRM THE ACCOUNTS WERENT MINE. XXXX IS A ACCOUNT THAT HAS BEEN ON MY REPORT FOR YEARS AND I HAVE TRIED FOR YEARS TO GET XXXX, XXXX, XXXX TO REMOVE THE ACCOUNT AND I CAN PROVIDE YOU WITH CERTIFIED LETTERS I SENT TO THEM. I REACHED OUT TO THE COLLECITON AGENCY WHO REFUSED TO GIVE ME ANY VALIDATION OF THE ACCOUNT BECAUSE I TOLD THEM IT WASNT MINE AND THEY INSISTED IT WAS, THEY FINALLY THREE YEARS LATER SENT ME A LETTER STATING DEBT VALIDATION. THE LETTER DID NOT HAVE ANY INFORMATION VALIDATING THAT THIS DEBT IS MINE. IN THE LETTER IT HAD MY NAME, ADDRESS, BIRTHDATE, NO ACCOUNT NUMBER, AND THEY LISTED 2 DIFFERENT ORIGINAL CREDITORS. I STILL HAVE LETTERS THEY SENT OUT TO ME AND THE ONES I CERTIFIED MAIL TO THEM. THE FIRDT ORIGINAL CREDITOR WAS XXXX WHICH THEY CLAIMED WAS LOCATED IN NEW YORK, I WAS BORN THERE AND MOVED TO MARYLAND AT THE AGE OF XXXX YEARS OLD SO THEIRS NO WAY I COULD HAVE GOT THAT CREDIT CARD IN HIGH SCHOOL, THE SECOND ORIGINAL CREDITOR WAS XXXX XXXX. I HAD ANOTHER FRADULENT ACCOUNT WITH XXXX XXXX YEARS AGO WHICH WAS REMOVED BECAUSE XXXX  XXXX CONFIRMED I HAVE NO CREDIT CARDS WITH THEM, SO THERES NO WAY ITS FROM THEM. MY SOCIAL HAS BEEN FLOATING AROUND AND THE CREDIT BUREAUS HAVE BEEN NOTHING BUT EXTRA STRESS, THEY HAVE DONE NOTHING, THIS ACCOUNT IS IMPACTING MYN SCORE AND ITS UNFAIR I HAVE T0 SUUFER ON SOMETHING THAT ISNT MINE AND HAS BEEN ADDRESSED SEVERAL TIMES! IT SHOULD HAVE BEEN TAKEN SERIOUSLY AND REMOVED YEARS AGO! PLEASE HELP ME! THEIR HAVE BEEN SO MANY INCONSISTERNCIES ON THIS ACCOUNT, THE DATE OF THE ACCOUNT BEING OPENED, THE BALANCE, AND MORE. THEY ARE REPORTING DIFFERENT INFORMATION TO EACH AGENCY.
I opened my Discover account under a promotion they were offering to receive {$300.00} cashback for signing up with them before XXXX XXXX, 2015. I opened my account on XXXX XXXX, 2015 and deposited {$250.00} at that time. The terms of the offer were as follows : Open to current Discover credit cardmembers or deposit customers, excluding current or previous XXXX XXXX customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/2015-XX/XX/2015 using offer code BonusXXXX ; and 2 ) at least two Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice. 
I did have a Discover Savings account, set up direct desposit in the amount of {$250.00}. The first direct desposit was processed XXXX XXXX, 2015 ; the second was processed XXXX XXXX, 2015. This was well within the 90 day requirement. It has been well over 30 days since meeting this and I have yet to receive my {$300.00} cashback bonus.
XXXX XXXX is reporting XXXX late payments from 2013 between XXXX credit cards and have been unable or unwilling to provide the proof I was late. I am applying for a mortgage and these XXXX late payments which are unsubstantiated are damaging to my financing.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( west lake financial ) I made payments on this account, its shown on financial company that it was a charge back. I provided statements from my bank that it wasnt a charge back and it was sent to west lake financial. I sent them my documents XX/XX/XXXX. And they still havent contacted me back.i even contact the ceo. Spoke to him as well and he havent even contact me back. Also ever since I purchased my car, I had to get it repaired up to today XX/XX/XXXX. I dont have a check engine light at all and my car is making noise. I have a lemon car.
My Name is XXXX XXXX with XXXX my main number is XXXX or email XXXXXXXXXXXX. I am a XXXX XXXX XXXX and I am working with XXXX representing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Loan Number # XXXX Last four of my SS # XXXX. 
Phone number XXXX Lender name Specialized Loan Servicing , LLC In order to finalized his file I need a Mortgage statement and the lender Specialized Loan Servicing , LLC is refusing to provide a statement because he filed Bankruptcy in XXXX even though it was discharged in XXXX they are refusing to gives us anything. 
The lender gave me a number for a XXXX XXXX that never answers and we have left several messages. 
Specialized Loan Servicing , LLC number is XXXX. 
All we need is a mortgage statement. 
He does have a sales date for XXXX XXXX, XXXX and we need to submit everything before 35 days from the sales date in order for Arizona Department to review the file. 
Thank you for your courteous and prompt attention.
The collection agency, EOS CCA, states that I owe vehicle taxes for several years from the City of XXXX CT. I called the city to verify the debt. There are XXXX issues : the first is that the collection agency 's principal amounts ( pre interest and fees ) for each of the XXXX tax years is greater than what XXXX Office states. And the second issue is that the interest and fees are XXXX % XXXX % XXXX % of the inflated principal amounts. For example, principal XXXX plus interest XXXX plus XXXX XXXX XXXX
I booked round trip flight on XXXX XXXX on Chase travel website using my Chase Sapphire credit card points for XXXX persons. On return date, I could n't return due to sudden medical emergency with my mother. I contacted XXXX XXXX and asked them if they would rebook us, The agent told me they do n't provide any refunds for cancelation even due to medical emergency and they would n't rebook me. I had to return on XXXX XXXX and I paid for my return flight on XXXX. 

I filed claim with the benefit dept on XXXX XXXX for trip interruption/trip cancelation and I have sent them everything including the Chase travel vouchers and doctor 's letter but they have been playing game and they have been very dishonest since XXXX XXXX. 
The benefit dept continues to lie to me by saying the return XXXX XXXX flight was booked by XXXX XXXX and not by me. I have sent them my reservation document that shows I booked the return XXXX XXXX flight on XXXX XXXX website. 

I want full refund for the original canceled flight and genuine apology from all those agents that I spoke to regarding my claim. If they continue to choose to play game, continue to lie to deny my claim and not resolve this in the next few days, I will be taking legal action in small claims court for damages. 
Sincerely XXXX XXXX
On or around XXXX, 2013, I went to one of the branches of Santander Bank at XXXX XXXX in XXXX, XXXX XXXX to sign to be ( opt-out ) from my checking account ending in XXXX. At the same time, I applied for an over draft protection account which it was approved. to my surprise, the opt-out I singed in for did not took an effect at all. how ever, I called them so many times in regards to this incident, but it was fruitless. I made so many phone calls trying to escalate the issue, but no one seemed to be helping me at all. there were times I was put on hold for about 45 minutes and at the end of 45 minutes, they hung up the phone.every single time I called. I always ended up talking to one of the branches in XXXX, the service in this branches was horrible, I ask one of the representative that I wanted to talk to a manager, I was told that there was not managers available. they took my name every single time I called stating that a managers will call me within 24 and 48 hours, but that never happen. despite the fact, I have signed to be opt-out from my checking account, they continue paying any incoming charges with out being available fund to cover with out my authorization. so far, they have charge almost {$3500.00} just in over draft and sustained fees in the matters of three years. just in the last month, I received a letter from them saying that I have paid them {$750.00} dollars in over draft fees. it is pretty obvious that Santander bank is doing this to profit themselves illegally by ripping off customers that are struggling to pay the bills on time. it is clear to me that Santander did not activate my opt-out as a purpose to make money from over draft fees. 
I called them almost a month ago and I spoke to one of the mangers that refuse to give me her name, I told her that I had signed three years ago to be -opt -- out from checking account and finally they discovered that I did, and now it is in effect but is too late because they already charge all the money. 

My desire solution from this illegal act from Santander bank is that they need to pay me back all the over draft and sustained fees charge to my account which are almost $ XXXX.dolars. also, I want the Consumer Financial protection bureau to thorough investigates Santander Bank for any other illegal practices that they might have been doing with customers. 
sincerely, XXXX XXXX. XXXX
BBVA Compass advertised a {$200.00} bonus if a new checking account was opened and a {$300.00} ( or more ) deposit was made in to the account. I meet the requirements ( confirmed multiple times by BBVA Compass Customer Service ) but the bank refuses to honor its offer.
I applied for HARP Refinance through Chase Bank XX/XX/XXXX. Assigned Mortgage Representative was XXXX XXXX. The loan fulfillment coordinator assigned was XXXX XXXX. XXXX XXXX does not act as a suitable liaison between Mortgage Underwriting and her clients. She is incredibly rude and disrespectful boarding on discrimination to her clients. Per telephone conversations, she has informed me that Chase Bank handles their perspective mortgages in a purchase-first-refinance-second basis. Meaning, any refinance comes second to any purchase she had been assigned at the time. Thus the reason for my lengthy refinancing process. I provided all required documentation for loan submission as requested in a timely fashion. Every loan is different, thus different time frames for loan closing. As of XX/XX/XXXX, we are still actively trying to complete the loan. As this has been an incredibly lengthy and stressful process, my particular situation was escalated to XXXX, then further escalated to XXXX XXXX. I was then informed the entire process was being held up by a lien release from a financial institution that no longer exists. Chase Bank has acquired various financial institutions in the past, along with their customer files. They have misplaced an internal document of a lien release XX/XX/XXXX. I did not misplace this lien release. I have never had this lien release in my possession. Chase Bank has informed me they will not make an exception on this matter.