WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for their credit card on XXXX/XXXX/2015, and I was approved instantly for the credit limit of {$21000.00}. I received a letter stating my credit score of XXXX using the Experian as their source about five days later, and I received their card about a week later. I believe I received the card on XXXX/XXXX/2015. 

I used the card on XXXX/XXXX/2015 and XXXX/XXXX/2015. On XXXX/XXXX/2015, I used the card and had a decline. I called the number on the back of a card and, and the regular customer service forwarded me to a fraud department. The fraud department representative told me that my account is under a review since the last purchase on XXXX/XXXX/2015. The reason for the review is unknown, but they will have an answer between XXXX - XXXX. I called them back between these time frames. After 1 hour of waiting to talk to someone, I talked to XXXX of the fraud dept. customer service rep. The rep, XXXX told me that she does n't know what the another fraud dept. rep. told me, but the review will not occur on weekends, only on business days ; thus, I will not have any information what-so-ever until Tues, XXXX/XXXX/2015 the earliest. She also told me that my account went under the review on XXXX/XXXX/2015, XXXX, and the review was placed manually by a human being. There was no note from the person who placed my account under this review. She said that most likely suspected fraudulent activity put my account on the review ; however, when I asked why I was not notified of the suspected fraudulent activity on my account, she said that the review and suspected fraudulent activity are different. Thus, they are not obligated to let me know what is going on. It makes no sense because she established the connection that most likely the suspected fraudulent activity put my account on a review. I am tired of this bank making up a story as things progress. 

I was upset and started to look into this kind of the issue with BBVA Compass bank, and I found some information at XXXX : XXXX Apparently, what I experience is not an isolated incident, but occurs rather frequently with this bank. And, in order to get an answer from this bank, I must get help from an agency like CFPB ; thus, I am doing so now just to get an answer.
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX fraudulently placed a negative collection account on my private consumer credit profile. This company is trying erroneously claim civil dispute between them and I for an alleged debt that is not owed to them nor the company they represent. The plaintiff did not provide any services nor provide any goods to me and has no rights to any debts owed. The Fair Debt Collection Practices Act clearly states that a debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Being that there is no agreement between the plaintiff and the defendant, that would mean the Plaintiffs collection attempts can not be sustained and are in fact fraudulent. The plaintiff is trying to collect on debt that has passed the statute of limitation in California and has illegally re-aged the account in an attempt to collect a debt not owed to them. They are an unqualified third party and a liability which offers no assistance to this alleged civil dispute. If they are the Fiduciary in this matter, I need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for them to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including their fraudulent reporting to various credit reporting agencies. They are attempting to enter into an alleged civil dispute without the contract and/or my permission and are in trespass. ( XXXX XXXX XXXX v XXXX XXXX XXXX XXXX ( XXXX ) ). They must Produce a XXXX, XXXX XXXX XXXX, XXXX XXXX or cease and desist. Unless you are a Secured Party, XXXX XXXX, Creditor, Debtor or Signer of the Original Contract, you are a third party. You are a liability and no assistance. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. The laws in this country do not provide a remedy for a collection company that knowingly and voluntarily takes on a bad debt and then goes after the supposed debtor in an attempt to collect that alleged debt ; therefore, the Plaintiffs actions fall under the precedence set forth in scienti et volenti non fit injuria. They are ordered to remove the negative and fraudulent reporting of a collection on my consumer credit report and vacate any judgments they have put forth on the public record. They are not allowed to resell this alleged debt to any other company and will report it as a loss in their books. 

They should be advised that issuing letters of threat and trying to collect on a debt for which no contract exists is a crime of mail fraud and punishable in united states. I am a litigious consumer and I plan on seeking remedy in venue closest to me if they do not perform in the way that I have set forth in this presentment. This is an attempt to peacefully settle this matter. Please be sure that your documents are in order if there is need to pursue litigation.
XXXX XXXX contracts multiple family members not listed as references about a debt owed. Violating the FCPA because they knew my obsessing number and address, as I had talked to them just days before they contacted my relatives. they stated the reason they did so was because my voicemail inbox was full.
I had my loan serviced through Ally Finacial and have decided to surrender my unit due to threatening collection practices being done by the collections department. They use different numbers to get a hold of customers and went as far as calling me blocked on several occasions. They would threaten me to pay and would tell me that my car was going to get repossessed even though at times I was only a week or two behind. The agents would not notate the account and when I called in they denied this. This is called deceptive phone practices and I feel like I was being discriminated against due to my race. I want to put together a class action lawsuit because I know I am not the only customer that his happened to. I have a record of the calls and voicemails from blocked numbers. Please reimburse me my funds and treat your customers right. You can not call blocked and or stop documenting accounts. I will post on social media and also send a complaint to the attorney general and federal trade commission.
SLS has paid my home owners insurance in the past. I was paid in full  XXXX   XXXX  for the period  XXXX   XXXX  -  XXXX   XXXX . SLS has now made  3  additional disbursements on  XX/XX/XXXX  i n the amount of {$2300.00} to  XXXX   XXXX   (  which was n't due until  XXXX   )  I believe they attempted to prepay both my home and auto insurance for the   XXXX   year. Our Homeowners  Policy  was only around {$1100.00} for  XXXX . They also went of to make a second in error disbursement to  XXXX   XXXX  on   XX/XX/XXXX   in the amount of {$1100.00}. Just a few days after, on   XX/XX/XXXX   we switched insurance companies to  XXXX  and prepaid the insurance for the year in the amount of {$610.00}. SLS then for the third time this year made an in error disbursement to  XXXX  in the amount of {$45.00} on  XX/XX/XXXX   ( after we already prepaid the year - see bank attachment ).  <P/> SLS, through all these disbursements, in which they did n't use common sense, put my escrow in negative up to - {$1100.00}. They also happened to do an annual analysis of my escrow in this time period which upped my monthly escrow by over {$400.00} a month for 3 months and then upped it more than {$100.00} a month the remainder of the year. Their error is causing us hardship by increasing our escrow more than 40 % per month. All I am asking is for some shared responsibility in this. I will pay it but they need to lengthen that time.  <P/> Also, according to  XXXX  this is not an isolated case and I feel horrible for anyone else going through this with SLS.
I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am self employed the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following account Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX
Certified mail was sent and requested to validate debt. Collection Agency failed to answer within 30 days. I am demanding the Collection Agency to CEASE AND DESIST from further communication with me, in any manner, regarding the above referenced TIME-BARRED debt. 

Also, in XX/XX/XXXX, in direct violation of Fair Credit Reporting Act 623 ( a ) ( 1 ), your company knowingly and willfully reported inaccurate information to a consumer reporting agency in order to extend the reporting period of the above account to XX/XX/XXXX. In response to my dispute of this FCRA violation, your company maliciously 'verified ' the fraudulent information to the consumer reporting agency as being correct in order to have it remain on my credit report. I demand that this FCRA violation be remove immediately on all XXXX of my credit reports.
This is my 4th attempt to try to resolve this issue with this company. I have reached out to my Bankruptcy attorney and was told to make one last attempt before further action is taken. I was informed that even though World Finance sent my debt with them to collection It should still be considered as Included in Bankruptcy! XXXX XXXX has never contacted me or made me aware of any debt regarding World Finance and World Finance is reporting incorrectly.In most federal circuits, even debts that werent listed in your bankruptcy schedules are discharged, My case was a no-asset Chapter XXXX case. In the XXXX XXXX, the case that stands for that proposition is XXXX. I continue to check my credit for updates and it states " Charged Off Account '' which is once again INCORRECT.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I applied for the XXXX Rapid Rewards Premier Business Credit Card from Chase. This was for my business account. I filled out all requested information. They also ran my personal credit. The " Fraud Operations Department '' then sent me a letter requesting a bunch of additional information including " PHYSICAL STREET ADDRESS FOR AUTHORIZING OFFICER '', " NAME OF YOUR COMPANY '', FEDERAL TAX IDENTIFICATION NUMBER '' AND " PROOF OF CURRENT BUSINESS PHYSICAL ADDRESS ''. 

All of this information was provided in the application. I was on vacation when the letter arrived and I had to call them to clarify the request. The help line was clearly individuals that do not live in the United States. I stated that I had previously provided them all of the requested information. I gathered proof of all requested information and took it to a Chase Bank Branch where they said I could fax it. They provided me several fax numbers and each time I would call, they provided a new fax number. I faxed it again multiple times and they said my application had expired but they could re-open it. I then faxed again and they claimed they had not received anything from me. After everything, they said that I had to apply again online.
Despite three written requests, the unverified remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
We previously filed a complaint on this site requesting that Fifth Third Bank accept the short sale offer we had on our home. This was back in XX/XX/XXXX! Instead we have been caught in retention option XXXX. I have written emails to XXXX XXXX ( COO ) ; XXXX XXXX ( COB & CEO ) ; XXXX XXXX ( CFO ) and XXXX XXXX. The ONLY response I EVER received was from clerks who had no authority or power to make a REAL decision on our request. I was told this week by yet another clerk that my hardship application was discarded because the bank wants us to accept their retention proposal. We are NOT in the position to continue to pay this mortgage. Over this 10 year history we tried 8 times to refinance this mortgage. If they would have offered a serious retention option even 5 years ago we wouldnt be in this situation.
Transunion reporting 90 day late payments on two accounts beyond 7 years. Late payments from XXXX reporting on accounts. Please see credit reports attached.
I want to apply for a bank account at Wells Fargo the banker told me I have already a bank account with this bank and I told the I have never apply for a bank account. But she told me the account was abuse so I told her I need to go the my local police department to file a police report. spoke with the fraud department they told me they was going to sent out a affidavit. So I received it and sign it fax it back to them. After 4 days I called the fraud department they told me the claim was denial and I ask them why it was denial I they told me the address match my id the signature match from the affidavit anyone can sing something like me so I would like to get this fix ASP.
Hello, I was forced to take out loans with  XXXX   XXXX  when I went to school as I went to  XXXX . No other loan companies would lend to me.  XXXX   XXXX  then sold   XXXX  of my   XXXX   loans to Navient and retained   XXXX  .       Navient has been completely unhelpful in helping me to repay my loan. I have only recently returned to the US and the only " help '' they were willing to offer was to charge me {$150.00} to enter into a 3 month forbearance. Navient will not give me a repayment plan based on my own funds. They say they will use my finances to consider lowering my monthly payment but insist on including my co-signer 's income. My grandmother is my cosigner and lives in another city and is currently  XXXX  in hospital. I also do n't have any faith that they will be reasonable in what they consider to be " lower ''. I am nervous about handing over our financials and agreeing to their program then still being trapped in a situation that I can not manage. In addition to that, Navient claims  that I owe  ~  {$90000.00} on the loans they hold. I do n't understand this because the loans total ~ {$60000.00} in principal and I left schoo l in 2015. I   do n't understand how my loans increased by 50 % in a little over a year.     I have done everything I can. The fact is that I am earn less than {$500.00} a week and supporting myself and my husband. My other loan providers put me on an income driven repayment plan without hesitation but these two companies treat me like I just do n't want to pay. I am only a year out of school. I have finally gotten a job in my industry and I am struggling to put food on my table. The added pressure of Navient treating me as if I am willfully withholding money from them is a nightmare.
On several occasions I tried to get my mortgage company to modify my mortgage. They said I did not make enough money and this last time they said that they did not have all the documentation ( which was not true ) This last time they said I was too far behind. I have been trying to modify this mortgage for a number of years. 
I called the mortgage company to get a copy of the application and Truth and Lending Statement. 
The mortgage company sent me a copy of the Truth & lending Statement two copies of the Truth & Lending Statement one was written in with one set of number and the other had another set of numbers.

So it appears that the Truth and Lending Statement was " fixed '' after I signed at the closing. 

Later I find out that the original mortgage company XXXX XXXX went out of business because of fraud. 
I think Ocwen wanted me to loose my house so I would never find out that there was fraudulent documents.
I contacted XXXX XXXX XXXX XXXX, Credit Bureau Disputes Division, via phone # XXXX and fax # XXXX to report that an account I voluntarily closed in XX/XX/XXXX had been deleted from my files with the CRAs. I am attaching copies of my letters and other documents provided to XXXX. Since the loan was not in a derogatory status when we paid it off, I expected the record to continue reporting until XX/XX/XXXX. On contacting the CRAs, I was told that XXXX XXXX instructed them to delete the record. I conclude thaXXXX XXXX mistakenly instructed the CRAs to delete the credit item after I asked the bank to remove only an invalid remark on my credit reports stating this loan was in dispute. Prior to the improper deletion, this account positively impacted my credit scores because of its age and positive payment history, and its deletion helped to lower my credit scores. My wife and I opened the joint LOC in XXXX XXXX ; it was always paid on time, and the account was in a positive status when we voluntarily closed the account around XXXX XXXX. For over 6 weeks in XXXX and XXXX I worked tirelessly with XXXX XXXX to attempt to get the item back on my credit reports. I made multiple phone calls and also wrote to the bank providing an old credit report that showed a truncated loan number. XXXX XXXX XXXX, a XXXX XXXX employee at the banks credit card executive office called me around XXXX XXXX to state that I must provide a " complete loan number as their records for this account were no longer available .... and without a complete loan number she could not assist me any further .... '' For reference, the rep provided a case number, XXXX, for my use in making future inquiries on this matter. I can not locate the old statements for this loan and I am puzzled and frustrated as to how the history of my loan with the bank can be unavailable after just a year of the account being closed. Furthermore, the historical record for this loan is still reporting accurately on my spouse 's credit report. It is my opinion that XXXX does not appreciate the importance of this matter to me and is not doing as much as it can. Please assist me in getting a prompt resolution to this matter. I am working diligently to rebuild my credit history and removal of this long-standing and positive credit record has had significant negative impact. If I should contact the FTC instead, please let me know. Thank you kindly!
My name is XXXX, I have been trying to contact Statebridge for way too long now. I need my pay off in writing as soon as possible. I will be paying my balance when I receive this information. 
It is impossible to speak to a person ... 
I 'm at my wits end, and I 'm ready to move on. This company has been a nightmare from day one, when my old bank sold them my loan. 
Not happy .... thank you, XXXX
Dear CFPB, We have had intermittent difficulties paying our mortgage for about 5 years because we have been living on XXXX income and our second mortgage is an ARM that adjusts upward every year. 

We applied for a loan modification with XXXX XXXX XXXX XXXX Greentree in XXXX and again in XXXX. In both years, they had mentioned that we might qualify for a HAMP modification which would help to also modify our second mortgage. In both years they declined us for a HAMP modification saying that our mortgage debt to income ratio needed to be higher than 31 %. Using the numbers we submitted on the loan modification forms, I calculate that our debt to income ratio is 36 % so we should qualify. After the second decline I finally pushed them to explain to me how the ratio would not be greater than 31 % and they said they calculate this based only on the first mortgage payment - they do not include our payment amount for the second mortgage in our monthly mortgage payment. This is inaccurate and deceiving. How can the mortgage company be allowed to calculate our monthly mortgage expense without including both mortgages? And why are they deceiving us by asking us to submit our total expenses and both mortgage amounts when they only plan to use XXXX number in their calculations? Our second mortgage is much higher than our first mortgage so this difference in calculation is huge. We are now facing foreclosure on our second mortgage and they are not able to consider a HAMP modification because our first mortgage did not qualify us for this modification.
In XX/XX/XXXX I applied to have my student loans discharged due to the fact that I am XXXX percent XXXX veteran XXXX acting on Behalf of the DOE sent me a letter dated XXXX XX/XX/XXXX acknowledging receipt of my application along with the list of student loans that I had that were eligible for discharge. 

On XX/XX/XXXX I received a letter from XXXX which stated that all of my loans were discharged listing the the same loans that were in the letter dated XXXX XX/XX/XXXX On XX/XX/XXXX I received a letter from NAVIENT which stated that my loans were discharged. However the list of loans in the letter were different to the list of Loans That XXXX had advised me were XXXX. I contacted Navient on XX/XX/XXXX about the discrepancy. Navient informed me in writing that : The XXXX loans I had on file reflecting in an ln-School Deferment is currently being processed, and awaiting discharge from the Guarantor of the loan. 
On XXXX XXXX I contacted NAVIENT to find out about the status of the loans that were showing in school deferment that should have been discharged. They responded that : As of today 's date which was XXXX XX/XX/XXXX we have not received the funds from the Department of Education to pay in full your Federal Consolidation Loans XXXX and XXXX, due to yourTotal and Permanent XXXX Claim. I contacted XXXX on XXXX XX/XX/XXXX and notified them what I was told by NAVIENT. XXXX Responded on XXXX XX/XX/XXXX, stating : The Total and Permanent XXXX Servicer only handles processing the application. Once it is approved, your loan holder is responsible for discharging the Federal Student Loans, reporting to the credit bureaus, and issuing any eligible refunds for paymentsmade on or after XX/XX/XXXX. 
For specific questions regarding the discharge, please contact your loan holder, Navient XXXX. XXXX. I am getting pushed around by NAVIENT and these loans are on my credit report is affecting my credit to income ratio due and credit score due to the fact I am trying to refinance my VA XXXX loan.