WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX/XXXX/2016 URGENT!!!!!!! 

THIS CALL NEEDS TO GO TO YOUR COSTOMER SERVICE DAPARTMENT!!!!!!! 

BANKRPTCY CHAPTER XXXX MUST BE REMOVE PER THE ORDER IN THE DOCS XXXX CHAPTER XXXX MUST BE REMOVED PER THE ORDER LAWSUIT FOR HAS BEEN FILED AND APPROVED YOU MUST COMPLY WITH ORDER SEE ALL DOCS READ XXXX OF DOCS COSTOMER SERVERICE HAS NOT CALLED ME BACK YET!!!!!!! 
YOU CAN REACH ME AT XXXX OFFICE OR XXXX CELL
To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
XXXX credit cards that I paid off in full sent me a bill for interest after I paid off the balance. I called both companies and both of them just simply reversed the charge ( much to easily, in my opinion ). While that is all well and good, I ca n't help but wonder, how many people just pay that bill? It seems to me that this is somehow fraudulent or at the least a very sneaky way of getting money from unsuspecting consumers.
I contacted XXXX XXXX XXXX by mail to validate debts : XXXX ). XXXX XXXX Account XXXX Amount {XXXX} ; Collection Agency XXXX XXXX XXXX XXXX Account number : XXXX Amount XXXX ; XXXX ). XXXX XXXX A Account Number XXXX Amount XXXX ; XXXX XXXX : XXXX XXXX XXXX Account Number XXXX Amount {XXXX} ; XXXX ). XXXX Account XXXX XXXX XXXX XXXX} ; XXXX ). XXXX XXXX XXXX, Account Number : XXXX Amount {XXXX}, Collection Agency : NCB Management Service : XXXX Amount {XXXX} and XXXX XXXX Account Number XXXX Amount {XXXX. They did not provide legitimate proof. I have called numerous of times this past month asking a customer service representatives how my debts were verified she did not have any information on these accounts that was supposedly mine. I 've requested to speak with a supervisor on many occasions, they did not provide adequate information either on how they { proved the debt was mine verified and validated } and was in hurry to get me off phone when I asked questions about these collection account. The supervisor told me that they could dispute the accounts again but I 've told her that I have repeatedly disputed each account four times this year XXXX, XXXX, XXXX and XXXX XXXX. I 've also requested proof of the collection agencies right to collect on the debts listed above and still no proof provided. I will provide proof where XXXX have removed some debts listed above but all three bureaus need to removed all debts immediately. I greatly appreciate your help in removing the following debts from all three credit bureaus.
XXXX   XXXX , they had begun to chagrining me all kind of elaborate amounts for billing, every bill was more the he last amount. I called almost every month trying to get some resolution to the billing. They would say the are correcting it  to one amount but  they never did the next month it was worse. I have asked to speak with supervisors and management its always they will call me back but I never got a call. They would call my sons numbers on the account but would never call me even after they were given my number to call. In  XXXX   XXXX  I decided to just pay the equipment amount and take my numbers off as well as pay the phone bill. The phone rep  XXXX  agreed that it would be ok, so I pay what was due plus the equipment, I was suppose to have  XXXX  more bill it was back to  XXXX  dollars and they used the  XXXX  dollars I paid to pay off the phone amount they say I accumulated. But it did not work so finally I had it down to  XXXX  phone number in  XXXX  and they continued to bill over, I removed all phone numbers, by this time I owed  XXXX  dollars, outrageous. Then in  XXXX   XXXX  a collection agency called convergent sent me a bill for  XXXX , I agreed to pay off because I am so tired of them but the amount kept increasing and I canceled the phones. Forward to now  XXXX   XXXX , the bill is now  XXXX  dollars and they have placed it on my credit report when I have been in contact with them for a dispute about the enormous amount.
cra violation XXXX breach has caused me all kinds of damages inquires that not mine and experian has not removed the inquires that are not mine i sent them documentation a billion times with the police report
Citi Card. XXXX XXXX. {$27000.00}. 
Citi Bank XXXX - Account ending in XXXX XXXX XXXX XXXX XXXX NV XXXX Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this charge off until a refinance inquiry. 
I have been trying to resolve this account for over two years, and I have not received correspondence from Citi. 
I have continued to make payments without any correspondence from Citi Card.
On Sunday, XXXX XXXX, XXXX, I completed an international money transfer to my niece 's bank account in XXXX, XXXX through Western Union 's online website. I followed the instructions and paid for the money transfer through my bank using Wu Pay. Today, XXXX XXXX, I received a call from Western Union who needed to verify the transaction. I answered their questions, even though I questioned the need for them. When the Western Union representative asked for my date of birth, I refused to give her that information, since I fail to see what relevance this has to the transaction. She said in that case, she would cancel the transaction. I asked to speak to the supervisor. XXXX, the supervisor, said the company was authorized by law to ask these questions. I called Western Union at XXXX and XXXX ( XXXX ) gave me pretty much the same information - that Western Union was entitled to ask these questions and he confirmed that the transaction was indeed cancelled. This is a legitimate transaction and I have used Western Union several times before without any problem. My identity should not have been in question, since Western Union contacted me by email several times over the years dating back to XXXX and I have used Wu Pay before as well. I am lodging this complaint because it seems to me that the consumer has no protection or rights - answer the questions, relevant or not - or be penalized.
I recieved a letter stating that i owe this debt i called .the people at the agency kept transferring to different departments when i did get a whole of someone im telling them i paid this .they were rude saying i need to pay i told them i have proof. The lady said with a attitude well its not my debt. After i tried and tried to reach out no answer. Im very upset because i settle this through a settlement with Citi bank
We lost our home to a house fire in XX/XX/2016. After calling to file a claim to insurance we found out that our Private mortgage insurance which was being paid by our mortgage servicer through escrow was not paid by them and we had no insurance coverage other then what the bank had placed on our home to protect their interest. We have had same insurance for 10 years never changed and then bank fails to pay and all we are left with is a check to cover their interest. They said letters were sent to inform us this but instead of them just paying our PMI they payed for force placed insurance even though the money was in our escrow account. Why did n't they just pay our insurance policy that was escrowed? Now we are left with a home burnt to the ground and nothing else except a check to cover the banks interest. The money was their to pay it and I was told by 5/3 bank that the reason it was not paid was because there was no premium amount on direct invoice. I feel like that is a little sloppy on banks part when they are suppose to be taking care of something. I was called by 5/3 bank and asked if we still had our PMI and I stated yes and they still let our policy lapse and now we have nothing. We had our account escrowed for that reason. One so our taxes and insurance for paid every year so we would not have to come up with a lump sum at one time to cover it. So we do what we think is the best thing to do and instead we should have payed our insurance on our own if we knew we were going to have to baby sit the bank and make sure our premiums were paid. I do n't feel that we are at fault here. They said they sent repeated letters to let us know nothing certified though. So now we are left with nothing!
OCWEN FAILED TO SEND US CLAIM FORMS OR CARDS AS PROMISED. THEY TRIED TO FORECLOSE TWICE FROM XX/XX/XXXX-XX/XX/XXXX THIS LOAN WAS A XXXX, XXXX XXXX XXXX FRAUDULENT MORTGAGE IN XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX WHEN XXXX XXXX GAVE US OCWEN TO COVER UP IN XX/XX/XXXX AND NEVER RESOLVED THE MORTGAGE FRAUD XX/XX/XXXX-XX/XX/XXXX. PLEASE HELP! 
LOAN NO.XXXX
I had two XXXX XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with XXXX XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards
I had a Capitalone auto loan back in XXXX. During some rough personal issues i had to make several payments late. However after i recovered loan was closed and satisfied in XXXX. 
Capital one has been reporting to all XXXX credit bureaus the history of my payments. 
I have reached out to them several times as well as disputed with the credit bureas. Capital one states they can report my history up to XXXX yrs and ill not remove. 
I need help. This has hurt my credit report for yrs. I pay my bills on time. Because they wont remove my credit score is down XXXX points and shows i have more than 1 car loan. 
Please help
Carter Young is attempting to collect a debt in the amount of XXXX. Carter Young violated the privacy act HIPAA buy disclosing my personal clinical information regarding diagnosis codes and medical history from their client XXXX XXXX. This information was uploaded to this site CFPB and also mailed to me revealing my medical records which Carter Young is a third party collection company who should have not had access to this information and should have contacted their compliance officer to return back to their client. I plan to seek a suite against this company for disclosing my personal medical information and breaking the HIPAA privacy act. Also, I have this claim in current dispute with XXXX XXXX as I do not owe anything.
I recently contacted XXXX  XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX XXXX received a letter back stating that that was not my address. Fourth XXXX  XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX  XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXXand have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX  XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.
ALCOVA Mortgage, LLC XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX I have been working with Alcova mortgage in XXXX since the beginning of XXXX on the purchase of a home. I was prequalified in XXXX and assured on several occasions that I did qualify for that amount. I went under contract in mid XXXX, nothing was done on my file until the end of XXXX. The process ended up being drug out for 60 days and still no clear answer as to why the loan had not closed. During this 60 days of being under contract, I followed up daily, half the time you could n't get in touch with the loan officers and when I did, I was just fed lie after lie, excuse upon excuse. I did n't really know what was going on until almost XXXX60 days in, when they tell me they are having problems getting an approval from the underwriter. Now I have lost my earnest money and money I spent on an appraisal. Never the less the were very nonchalant about the whole matter. Not caring that I lost money, time, missed out on purchasing a home that I loved. A broker referred me to them. Much to my regret
some bank credit cards have very complex incomprehensible interest rate system. i.e. different rates for different bank products on one credit card : i.e. Rates for purchase, cash advance, overdraft, linked to card, promotional interest rate. For consumers who pay less that the total balance, are hit with compounding interest @ 15 % 19 % or higher on other category on the same card. This is totally unfair, and equal to " lone sharking ''. No clarity is provided regarding allocation of payment to interest rate line item. The compounding aspect of this situation is totally unfair and greedy. Can your department help with this situation? Help!
I contacted Transunion on XX/XX/18 and I spoke with a rude representative named XXXX, I told her I wanted to dispute some incorrect information in my credit file and she I could not dispute the incorrect items after that she hung up in my face.
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. My information is currently :XXXX , XXXX , XXXX My current legal name isXXXX A please remove/ delete all variations they are incorrect. 
This is the second time I have contacted Lexis Nexis, XXXX XXXX, XXXX, XXXX  regarding the following information below. I am requesting that you promptly delete these addresses I do not believe a proper investigation was done from my file through your office.
I disputed the below stated inquries with TransUnion multiple times and they will not remove them from my credit report. 

Unauthorized Inquiries 1. XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX 2. XXXX/XXXX XXXX XXXX  XXXX- XX/XX/XXXX 3. XXXX XXXX XXXX- XX/XX/XXXX 4. XXXX/XXXX XXXX XXXX- XX/XX/XXXX 5. XXXX XXXX XXXX- XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX 7. XXXX XXXX- XX/XX/XXXX 8. XXXX XXXX XXXX- XX/XX/XXXX 9. XXXX XXXX XXXX- XX/XX/XXXX 10. XXXX/XXXX- XX/XX/XXXX 11. XXXX XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX 12. XXXX XXXX- XX/XX/XXXX 13. XXXX/XXXX- XX/XX/XXXX 14.XXXX/XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX 15. XXXX XXXX/XXXX- XX/XX/XXXX 16. XXXX XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX
Due to some financial difficulty I requested from USAA Federal Savings Bank relief on paying my credit card ( USAA XXXX XXXX Card XXXX ) and was granted a two year reduce payment plan were I would pay every XXXX of the month {$170.00} so I can get caught up with bills and not file for bankruptcy. I made payment on time ( through auto draft on my checking account ) until around XXXX 2016 when there was a possible fraud on my checking account. I requested USAA to change the bank draft withdrawal from my USAA checking account to my XXXX XXXX checking account ( Please see attached Letters from USAA ). USAA then withdrew {$170.00} from USAA checking account on XXXX XXXX, 2016 putting my USAA checking account on overdraft. USAA have already made the automatic payment out of my XXXX XXXX account on XXXX XXXX, 2016. I called USAA to ask why it happened and I was told that due to the automatic nature of the draft it was not stopped in time. I asked USAA on how this can be solve and I was told they would cancel the auto draft out of my USAA account and keep the XXXX XXXX auto draft. I was also told that the payment for XXXX XXXX, 2016 would then be applied for the XXXX 2016 payment. I was out of town last week and when I got home yesterday ( XXXX ) I received a mail from USAA ( see attached mail ) that I would be terminated from the program and have to make a full payment of my balance ( over {$17000.00} ) when I called the USAA customer service number. It will be impossible for me to make the full payment. I was hoping that the payment plan would help me get some break will I pay off my obligations. Also, my USAA XXXX card have a feature of cash back that I have over {$1000.00} in cash back that could be applied toward my balance which as of now I can not access. I am not asking for forgiveness for the credit card debt, it is my obligation I just need time to make the payments. Thank you.
Back around  XXXX  of  XXXX , I learned that I had an account with  XXXX   XXXX   XXXX     XXXX  for which {$300.00} was due. I understand that   XXXX   XXXX   placed the account for collection with  Credit Protection Associates. App arently, part of this collection effort included reporting it as a collection to several consumer credit reporting agencies.     I contacted   XXXX   XXXX   directly, explained I did not get any final bill or other notification, and paid   XXXX   XXXX   the {$300.00} they said was due.   XXXX   XXXX    said they could contact  CPA and in struct them to delete the tradelin e CPA had   previously reported, not just mark it as paid.     As of  XXXX   XXXX ,  XXXX , the tradeline is still being reported to the major credit bureaus, such as  XXXX  and  XXXX   XXXX . I have disputed this accoun t three times , requesting they delete it. Each time they have simply updated the report as paid, and as such it remains a negative on my credit as a collection. Moreover, neither dispute has resulted in the account being reported as disputed, which I am fairly certain the law requires.
TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company XXXX XXXX XXXX XXXX Case # XXXX, XXXX County File # XXXX Plaintiff : Capital One, Case # XXXX XXXX XXXX   XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # XXXX XXXX & XXXX & XXXX 3rd Complaint! They still can not get it correct! 
The Fraud and Misconduct continues by XXXX XXXX XXXX XXXX, Third ( 3rd )  complaint! This is with regards to information obtained from the XXXX XXXX XXXX resolution dated XX/XX/XXXX. Its been 17 days since the refund check has been mailed. Less than 40 miles between the Law Firm and my current residence. Have NOT received any correspondence from XXXX XXXX XXXX! From looking at the response from XXXX it has an old address even though my current address is in their files. See included 3 letters each showing correct address from XXXX XXXX XXXX and Capital One clearly showing correct current address as was given to both in XX/XX/XXXX. Problem being this, check that issued was supposedly mailed to me on XX/XX/XXXX shows an old address that I have not resided at for almost 2 years! They clearly have my current address! so why is the response addressed to an old address not used for almost 2 years? Why not send it to my current address? Was it really sent? Since so much time has elapsed since moving the USPS does not nor will not continue to forward mail beyond 12 months! Also, I am and have been using USPS Informed Delivery service for the past 18 months and have never received notification that anything from XXXX XXXX XXXX is in the mail to me at my current Address! 
My complaint is that XXXX XXXX XXXX XXXX had knowingly sent the refund check to an invalid address while knowing the correct address as shown on the included 3 documents. Continuation of improper handling of legal matters. If check has been submitted for payment it has not been done so by or for me! That it takes, so far 3 complaints, to get items taken care of that are legally, ethically and morarally correct! 
WHAT DOES IT TAKE FOR A SUPPOSED PROFESSIONAL LAW FIRM/COLLECTION AGENCY TO DO AS THEY SAY THEY WILL AND DO IT CORRECTLY THE FIRST TIME! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself AT MY CURRENT ADDRESS ( see above for address ), since this is the resolution expressed by XXXX XXXX XXXX XXXX in the previous complaint in a timely manner. If check has been submitted for payment it was not done by me or in my behalf and request a NEW check be reissued for the amount of {$520.00} USD be mailed to me at : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, MI XXXX in a timely manner.