WillisBack/dataset-financial-user-claim huggingface dataset:
I discovered this account on my account. I have never received a notice for the right to dispute. I have no knowledge of this account.
Lvnv Funding ; I believe they are a credit reporting agency that is reporting on my credit report I sent two dispute letters requesting validation to the agency with no response. The first letter was mailed certified and signed for on XX/XX/2018 the letter stated you claim I owe {$720.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I did not receive a response or validation. I sent a second letter certified that was also signed for on XX/XX/2018. 

This letter explained By not replying in a timely manner to my initial letter on XX/XX/2018 ; you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
today i tried to get access to my pay pal account and was denied access. I called them and the woman on the phone told me that i was in violation of heir policies and they will hold my money for an additional 180 days there is over XXXX in that account which i have not fully had a chance to gain access to for over two months. I informed the woman on the phone that when pay pal restricted my account befor that i expalined on recorded conversation what my business entailed and after i removed the pay pal buttons from my social media pages my account was restored again. now for some strange reason my account ha been restricted oddly after i made first formal cfpb complaint. I feel discriminated against and i wish to cut all ties with pay pal due to their unfair practices when it comes to holding money that ive worked hard for.
I am on the Do Not Call registry. This number called me and gave me an account # XXXX for a debt of $ XXXX for XXXX . They tried to verify more personal information from me. I only gave name and DOB. I do not owe any medical debt that I am not already paying off from a number of years ago. This is not anything I have a debt for.
My name is XXXX XXXX. I cosigned a private loan for my son XXXX XXXX XXXX since then Navient bought the private loan from the original lender who was Sallie Mae. The interest rates changed since the original loan and I contacted Navient just recently due to the fact that I am retired and XXXX and my son has become XXXX since then. Navient informed us that they would be sending forms for us to assist us but instead sent us a notice on XX/XX/2018 to inform us of an increase in repayment amount from XXXX a month to XXXX a month.
I have had my mortgage loan with PennyMac since  XXXX  or  XXXX   XXXX  ( after transferred from the originating loan company  ) and know about calls when accounts are past due. On several occasions I requested no calls to my w ork and not to call my cell phone unless my account is over 30 days past due. I had been receiving calls on my cell phone and on approximately  XXXX   XXXX ,  XXXX , I received a call from a representative and advised that I had requested no calls on my cell phone and there are no other numbers to call me on ( including my work number ). I received an email forwarded between two departments at my job on  XXXX   XXXX ,  XXXX , stating, " For your handling. '' The forwarded email was from a voicemail left stating this was in reference to my home loan. The attachment is only the screen shot of how the voicemail was transcribed. The voicemail is from an actual person, not a recording. The voicemail was attached in the original email.     I have repeatedly told several reps on different occasions not to call me at work and I received this forwarded message and voicemail. My application with the company has my direct extension for messages such as this. I believe this violates FDCPA with third-party disclosure since the message was in reference to my home loan and not left on my direct voicemail, that identifies me by first and last name.
I applied for a modification on my mortgage with ocwen back in XX/XX/XXXX. I am the sole borrower on the initial and present loan on my home. To this date, I have received the same modification agreement to sign XXXX times. Ocwen is requesting that I have my spouse that I separated from in XX/XX/XXXX, that is not on my initial or present loan/credit application for my home, a person that I have no information on his whereabouts to sign the modification agreement. I have spoken to an attorney who has advised that Ocwen does not have a legal right to request information on someone that is not on the loan/credit application. I asked my relationship manager, XXXX XXXX if I could have a direct number to the departlment that I could pose the question " regarding separated spouses and the how it would affect the modification agreement ''. He stated they did not have a direct phone number and that inquiries had to be emailed, which I think is not fair to a customer that has speculations on the information that they are being given about a particular subject matter. I also have concerns that my payments are not being posted correctly to my account. They are listed as supense payments. My concern is that since the payments are not being posted, and if the modification is denied due to my not being able to provide a signature from a person Ive been separated and not seen in 13 years, the interest and late fees are continuing to ballon and cause my payments to unaffordable. Im and 99.9percent sure there must be a clause that in the modification programs that applies to my particular situation but am not sure what it is. I also think late charges and interest compounded during this process should be waved. I have done my part as a consumer in signing the necessary papers as the sole and only borrower on my initial and current loan documents. Ocwen requiring information on someone that is not on the credit application is illegal. I have also read reviews how they have canelled the loan on customers that have requested help through available agencies. I hope this will not be the case. I hope they will be fair and understanding.
In XXXX of XXXX i purchased a computer from the retail provider BEST BUY. There was a no interest promotion for 12 months as long as the balance of the computer was paid within that time period on my BEST BUY credit card. I made the purchase, in XXXX of XXXX i went into a BEST BUY store in XXXX North Carolina and made a payment to the card before i purchased items with my Best buy credit card. Before i made the purchase i asked specifically if making a purchase effects the promotion they reassured me no and that all my payments would first be applied to the promotion balance first after the minimum payment was satisfied, and it was ok to use my card at will. I made a payment and made the purchases. I use my card pretty frequently for small things there but i never pay the minimum payment. I made a large {$700.00} payment online months later to satisfy the majority of the amount oed for the promotion, and have paid well over the {$1000.00} in payments over the minimum payments over the past year. In XXXX my statement came with a charge of over {$300.00}. I called BEST BUY card services immediately and they informed me that my payments were not being applied to the promotion because i never called over the phone to them and asked for that request. I explained to them that if they checked i always made payments more then what the minimum was owed to satisfy the promotion. they stated that they are not required to do that based on the credit card act of XXXX. I stated that that makes no sense that they would apply payments to the lower balance purchases of {$50.00} and {$80.00} and not satisfy the {$1000.00} purchase. I stated that this is a form of fraud that they would deliberately apply payments to a different balance that results in a massive financial gain for the company. they kept referring that the credit card act allows them to do that and i disagreed.i called XXXX more times over the next few days and they noted the account so every time i called they just kept repeating that the credit card act allows them to do this, even though in the store where they took the payment. they stated the people in the stores do not know this information and that i still have to pay. i asked how could they have representatives that are giving information that is false and they know it, but they are not bound to the information their representatives are giving and that i owe this money. I asked how could this be that in the store where they deal directly 100 % of the time with the customers, and giving misinformation 100 % of the time that costs the consumers large amounts of money and results in a massive gain for the company. they again referred to the credit card act and then offered me a deal that i pay the entire amount of my card ( which is a {$2000.00} limit ) and they will waive the interest or i have to pay the interest. i said that is completely absurd and criminal. I have paid well over {$1000.00} in payments as i use my card frequently. This is more than unjust and criminal
ACCT # : XXXX ORIGINAL CREDITOR : XXXX ACCOUNT STOPPED BY ERC AND SOLD TO XXXX. ACCOUNT HAS SINCE BEEN PAID OFF IN FULL BUT ERC HAS NOT REPORTED AN UPDATE TO CREDIT BUREAUS SINCE XXXX OF 2015. ATTEMPTED TO CONTACT THEM USING ALL PUBLICLY AVAILABLE CONTACT INFORMATION TO NO AVAIL.
Beginning on XX/XX/XXXX through XX/XX/XXXX, Caliber Home Loans has not sent me a refund check from my escrow check. Caliber Home Loans claims that an escrow check went on XX/XX/XXXX. However, Caliber Home Loans did send me a payment summary on XX/XX/XXXX and mailed it on XX/XX/XXXX without a refund check from my escrow account. I received this payment summary on XX/XX/XXXX. Caliber Home Loans continues to be deceitful throughout the escrow analysis process and refuses to address the interest on the money they withheld for 6 months. I also noted that the payment summary on my escrow summary does not show that a refund will be issued from my escrow account. See attachments.
I had a charge off on my credit bureaus from Swiss Colony, and I decided to make it right by paying the total amount. I called Swiss Colony to make sure the amount was correct, and I found out that the total was {$590.00}, with {$140.00} to go to their sister company XXXX XXXX. The account number is the same for both companies, XXXX. There is no way I would have spent XXXX on candies. I had to pay Swiss Colony through a collection agency, XXXX XXXX. After Swiss Colony had verified the full payment, I called them to see when they were going to pay XXXX XXXX ; everyone played dumb, and they told me I owed Swiss Colony all of that {$590.00}. Friday, XXXX-2017, XXXX XXXX showed up on my credit bureaus. It had n't been on there all the time I was paying off Swiss Colony, why now ; because, Swiss Colony decided not to pay XXXX XXXX their {$140.00}.
Robocall asking to me to contact them regarding debt collection even though I have informed them that they have the wrong number and person.
Equifax credit reporting agency is merging my brother  XXXX   XXXX  Personal information with mine we do not live together and never have i have asked them to remove it and they have but then  XXXX  keeps adding it on there. I have also sent over several documentation for them to remove information on my account such as previous employers, addresses, and name that i have never used. I have sent over certified documents they received  XXXX   XXXX  to validate 2 accounts that do not belong to me yet they are reporting it to my credit report and also  6  inquires i have asked for them to remove. Equifax is violating the FCRA act and they are not validating accounts they are just adding them to my account without proper authoriztion.
I have had an account with Chase for about 10 years. In the last 4 year I have been employed with a firm that does not offer direct deposit. So in order to have free checking with Chase you must have either direct deposit or keep in minimum of {$2500.00} in your checking account. Because I do n't have the option of direct deposit nor can I afford to keep {$2500.00} in my account I am charged what I call a poor persons fee of {$12.00} a month. A lot of times I am charged this fee when there is not enough money in the account to cover it. 
Monday XXXX XXXX I was scheduled to have XXXX automatic payments deducted. Chase instead posted the payments on a Saturday, XXXX XXXX in order to charge me overdraft charges on the date the deduction was due. I have never been charged an overdraft fee on the same day a charge is due. Usually I am given till the next business day to make the funds available. I had about {$50.00} available in my account. XXXX of the transactions was for only {$30.00} which was fundable. The second charge was for {$120.00}. I was still charged XXXX overdraft fees even though I have enough to cover XXXX of the charges. They refused to refund the charges. I have been pummeled with fees over the last year. Even XXXX in one day in XXXX instance. 
XXXX XXXX I submitted an online payment to XXXX. On the Chase site it says that this one time electronic payment will post in 1 business day. On my account it shows that this payment has been send and paid. XXXX has not received this payments. I have asked that the money be put back in my account to avoid service disconnection, Chase is refusing to refund the money even thought it has been more than one business day.
In my understanding how the bill came up to XXXX and something dollars so there 's no way that it should be that amount
XXXX XXXX called my cell at XXXX XXXX on XX/XX/XXXX. I did not answer the call nor did they leave a message. On XX/XX/XXXX they called again, this time at XXXX XXXX. At this time I asked them to never call me again at this time of the morning. I let the representative know I live in California and they were calling me too early. On XX/XX/XXXX I received another call, again at XXXX XXXX. I told the representative that I was reporting them as I have a right to a quiet morning. Also, the debt in question is over 8 years old and I'm not certain it is mine debt.
On XXXX XXXX, 2016 I called into XXXX home security and made a payment in the amount of {$70.00} they advised because I made a month payment for my home security system that they would continue my contract and service. After making the payment it was agreed that they would accept the balance on my account in the amount of {$190.00}. I never knew they disconnected services and transferred the account to Focus Receivables after receiving payment and agreeing on balance of {$190.00} to be made payable on XXXX XXXX, 2016. I spent more than an hour making arrangements and also making a monthly payment. They took money on false pretense advising that they were going to continue services when they actually discontinued service and sent account to collections after making agreement and receiving money. I am disputing the collection attempt after payment was made and arrangements were also done as agreed. XXXX continues to receive money advising customers that they will do certain things and do not XXXX has a poor customer service making arrangements and taking money when they should assist and stop sending accounts to collections when they has already made payment arrangements with their customers.
XXXX XXXX XXXX, is reporting on my credit in collections. According to the credit bureaus and on XXXX XXXX they have been making fraudulent payments on this account for {$1.00} randomly from time to time. These are payments Im not making. What they are doing is illegal and i know my rights. I called and asked for debt verification and a representative that was rude and nasty refused to send me proof this debt is mine.
This was a total loss vehicle, it was being paid by gap and insurance. I was the cosigner on the vehicle. There was XXXX left on the account. Capital One charged it off, I never recieved a letter or a phone call about this. When I did find out I contacted my insurance and they had sent the last check to the wrong place and it was quickly resolved. Now my credit is ruined. I have disputed it with the company three times and the credit agency 's. The credit agency 's are reporting it as XXXX was the charge off which is inaccurate, it was XXXX which I disputed but they are still saying thats what capital one reported. I have submitted to you documents showing this is wrong.
I received a bill from Chase with multiple charges for XXXX purchases. All charges were close but below {$100.00} some more than one per day. I called Chase and gave them info on XX/XX/2017 the same day i received the bill. On XXXX Chase called back and denied my fraud claim. After arguing with Chase they agreed to peruse the claim at the next level. That same day i filed a complaint with the XXXX XXXX Police Department complaint # XXXX.
This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX TN XXXX or XXXX XXXX XXXX XXXX, TN XXXX also remove inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.
I have disputed the incorrect information two times using the processrequired by Equifax. They have not corrected the information and I havesupplied sufficient documentation for them to do so. Please have themupdate or remove this public record from my credit report, as it ishindering my financial growth.
I monitor my credit to prevent fraud. From XX/XX/XXXX until XX/XX/XXXX, my credit represented by my credit score stood at or above XXXX. In XX/XX/XXXX, it was XXXX, but in XX/XX/XXXX, it dropped to XXXX, indicative of serious error or criminal conduct. This prevented me from applying for a business loan. 

I wrote to the credit agency, requesting per the terms of the Fair Credit Act of XXXX, to provide me with an explanation as to what negative information was introduced into my records to drop my credit rating by XXXX points in a month. 

The agency sent me a form letter without addressing my core question. I then asked their legal department to review my request and respond to it, ensuring compliance. I wrote that I did not need a form letter, but an accurate investigation and a clear and concise explanation. The agency never responded. 

I respectfully request a careful review and a statement that includes precise entries that resulted in the significant drop in my credit score from XXXX to XXXX in the XX/XX/XXXX-XX/XX/XXXX period. Please do NOT send form letters, and list any and all issues that caused the SIGNIFICANT drop.
On XX/XX/XXXX I had an XXXX performed by XXXX XXXX XXXX. This procedure was covered by my medical insurance ( XXXX ). I provided XXXX XXXX XXXX my insurance card and the procedure was performed. 

Months later I received a bill for the above procedure. I called my medical insurer provider to inquire why. According to my medical insurance provider " XXXX XXXX XXXX sent the bill to the incorrect address '' therefore the bill was not paid by my insurance company. As per my insurance provider they provided the XXXX XXXX XXXX the correct billing address. '' I also called XXXX XXXX XXXX and provided the correct billing address just to make sure they had it right this time. From that point on I did not hear back from XXXX XXXX XXXX. Based on my conversation with my insurance provider it appears that XXXX XXXX XXXX submitted the bill on three different occasions, all three times to the wrong address, they had also submitted the bill past the one year filing limit. 

Sometime XX/XX/XXXX, XXXX XXXX XXXX reported to the credit reporting agencies that I had an unpaid bill ( this now shows in my credit report as a " collection '' ). I only became aware of this after checking my credit report, something that I do on a regular basis. At that point I contacted my insurance provider and the collection agency in order to determine why this was happening. I spoke with the collection company and explained my case, providing them all the background information. This did n't work. I have received several calls with intimidating tones and innuendos from the collection company. Many of these calls are during my work hours and are harassing in nature. 

Attached is the " explanation of benefits '' from my insurance company. In the claim summary, under " member responsibility '' it clearly show that I 'm not liable for the amount, Further down in the explanation section it also shows ( item TFO ) that the service provider, XXXX XXXX XXXX submitted the claim past the filing deadline. 

I believed this now a matter between XXXX XXXX and XXXX XXXX XXXX. I 'm in no way involved since I 'm covered for this procedure and I paid the required amount based on my health insurance coverage. I feel that this in unjust and unfair and that XXXX XXXX XXXX through its collection agency has damaged my credit, negatively impacting my financial future and potential transactions, and also possibly placed my job in peril as I 'm required to undergo periodic background checks based on my present position.