WillisBack/dataset-financial-user-claim huggingface dataset:
I have an unverified account from THE CBE GROUP , INC . I had previously disputed this account. I have never done business with THE CBE GROUP , INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that THE CBE GROUP, INC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that THE CBE GROUP, INC Cease and Desist all further communications and collection actives and provide the  verification of the purported debt.
1. FMS  is reporting an unvalidated debt to the Credit Reporting Agencies ( CRAs ).

2. Upon receiving written notification of the alleged debt, I immediately responded in writing within the statutory time-frame of 30 days and requested that FMS furnished me with " Validation '' of the debt.

3. The request in paragraph 2 has NOT been forthcoming. Instead, FMS decided to continue with
Collection activities and has updated my credit report as recent as XX/XX/2018.

4. Pursuant to FDCRA, all collection activities ought to be stopped during the window where debt validation is pending. FMS has NOT yet validated this debt and as such it should NOT be reporting on my credit report.
5. In light of the foregoing, FMS is in violation of FDCPA, and notwithstanding prior violations previously submitted. Consequently, this complaint serves to engage the services of FTC and/or CFPB to ensure that my consumer rights are protected and are not infringed upon by FMS. Additionally, it is hereby requested that CFPB administratively order FMS to remove all negative information from my credit report and cease all collection attempts until they provide me with Full Validation of the alleged debt. 6. All rights reserved to seek compensation for all violations already committed to by FMS through the appropriate legal channels. 7. I trust that this step will amicably resolved this matter ; thus averting the need for litigation.
I 've repeatedly received offers from SoFi to refinance my student loans " with interest rates as low as 2.62 % '' " plus.. an autopay discount of 0.25 % ''. I have a credit score over XXXX, so logically, I should qualify for the lowest possible rates. When I go through the prompt to get a quote, I am only offered rates of 4.875 % or higher. I think advertising a rate more than two full percentage points lower ( XXXX  basis points ) is deceptive.
I am a realtor. I have a buyer who is going to be left homeless and a XXXX year old seller who is not in good health. We had a contract with select portfolio services to close on XX/XX/XXXX. Because of the new trid guidelines and christmas we had to go beyond XX/XX/XXXX. Everything was done and ready to close and select portfolio was informed but has refused to settle. The loan came from XXXX. I do n't see how it is fair for big banks who got bailed out to basically spit in the face of the american public because the new trid regulations caused a delay. They are ruining XXXX peoples lives and ones health and are using a new government regulation to do it.
On XX/XX/XXXX I called Guitar Center 's credit card center to check on my XXXX XXXX XXXX credit card which I had not used in quite a while. Their credit cards are now handled by Synchrony Bank and I was told the account had been closed due to inactivity which I can fully understand. When I asked to reactivate it ( I had spent about {$3000.00} in the past with no problems ) I was told I would have to reapply which I did on Sunday, XXXX using their on line application form. Later that day I tried to order a guitar and case for my grandson 's birthday. 
The total was around {$650.00} but I was told it was not possible at this time and that I would have to go to the local XXXX XXXX store. I recently was sent a 15 % off coupon and a 48 month no interest offer which expired on XX/XX/XXXX so I was anxious to get this taken care of. On Monday XX/XX/XXXX I drove to the XXXX XXXX store and explained the situation. He said " No problem '' and called to my account number. About 15-20 minutes later he came to me and told me I had to fill out an in-store application. I was annoyed but did as requested. He called again and about 20 minutes later he came to tell me that my application had been declined! I could have used my XXXX, XXXX, XXXX, or XXXX cards to complete the transaction but I really wanted the 48month interest free offer. My credit rating is XXXX and I have considerable funds in the bank. I also own my own home and have 2 paid for vehicles so this rejection baffled me and the offers expired the next day. Angry, I spent the next 3 hours on my cell phone with Synchrony Bank and spoke with several departments trying to discover what their problem was. After talking to several of their associates ( many in foreign countries ) I finally was able to speak to 3 supervisors/managers who were of no help. I was repeatedly told I would receive a letter explaining their decision in 3-5 days. By XXXX " I hate Synchrony Bank '' I found many, many complaints about Synchrony Bank 's incompetence and suspicious practices and became concerned enough to take this action. My wife calculated that their incompetence cost us about {$200.00} between the now expired coupon and 48 month financing offer. I am a retired educator and have always endeavored to keep a good credit rating through frugal spending habits. I hope you will investigate Synchrony Bank and its questionable practices.
I have an auto loan with Bank of the West. In order to pay extra on my principal, I obtained envelopes from them that are addressed " BANK OF THE WEST, LOAN SERVICING-PRINCIPAL PAYMENT ''. On several occasions, my additional payment for principal only has had interest charged on it. They always correct it, when I contact them. However, I believe this is a practice of theirs, in which they do n't expect the borrower to catch them. I have made approximately 15 extra payments since I obtained the loan a year ago. Of those 15, about 8 have had interest charged.
I purchased a new vehicle in XXXX ( Vin # XXXX3 ) in XXXX of 2000, the vehicle was originally financed through XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX. The vehicle was paid off, however XXXX XXXX was acquired by CitiFinancial and has since gone out of business. I have moved from XXXX to XXXX and I am in need of a Lien Release in order to license my vehicle in my new state. I have tried to contact Citi to no avail, I was referred to website ( XXXX ) to acquire the documentation via XXXX XXXX, XXXX has confirmed that they have no record, and stated if the loan was paid for prior to their acquiring the auto loan portfolio from Citi they would not have any record of the lien release and referred me back to Citi. I tried several numbers and could not get human on the line, by searching XXXX I found that my situation is no isolated and many former XXXX XXXX customers have had similar experiences.
PNC Mortgage ( PM ) sold my property ( XXXX bedroom Condo ) loan # XXXX ( {$200000.00} at 5.5 ARM ) in foreclosure to Federal Home loan Mortgage ( XXXX XXXX ) on XXXX/XXXX/XXXX at XXXX for {$130000.00} after agreeing to a loan modification. PM dual tracked the loan modification process using lawyers XXXX XXXX XXXX XXXX and sold the property using auction house, XXXX XXXX. ( Case Case XXXX of the Circuit Court of XXXX XXXX County ). PM represented by realtor XXXX XXXX of XXXX XXXX gave me instructions to vacate the property and i did. I moved in with family at XXXX, XXXX XXXX, Maryland. The completed sale of the above property and its terms were mailed and communicated to all stakeholders of the property including my Condo Owners Association ( COA ) lawyers XXXX XXXX XXXX and XXXX on XXXX XXXX, XXXX. Two whole years went by, uneventful. Precisely XXXX XXXX, PM started calling me incessantly. They offered to do a loan modification if i successfully completed a 3 months trial period. I did, but when I went to look at my property, i found squatters and dogs on the property. I went to court with advice and representation by Attorney XXXX XXXX XXXX to evict them. The last of the squatters was evicted by Maryland Sheriff Department in XXXX of XXXX. The loan Modification was completed XXXX XXXX and to my Surprise, PM added over two years of payments ( this is the period for which they had sold the property to Federal Home Loan Mortgage, XXXX/XXXX/XXXX through XXXX XXXX ) to my loan modification total. I complained bitterly on the phone many times to XXXX of loss Mitigation ( my appointed point of contact ) at PM and in writing about my loan modification arrangement demanding a change to my loan modification. I wrote letters dated XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX but they would not investigate nor correct nor make the necessary changes. Matters have gotten really worse because my Condo Owner Association ( COA ) lawyers XXXX XXXX XXXX XXXX XXXX XXXX. of XXXX has being pursuing me for COA fees that I do not owe. This was fees for the period that PM and XXXX XXXX took possession of the property. Liens upon liens on my property, penalties upon penalties, fee upon fees to the tune now of about {$40000.00} and collection letters is being falsely appropriated to me. I am sick and tired of being harassed, bullied and taking advantage of by both PNC Mortgage and my COA lawyers XXXX I need your help to correct this situation.
This communication is based on and a part of prior communication regarding loan # XXXX and a complaint # XXXX. As I reviewed the status of communications today I noticed that Citi had included a lengthy summation of loan history - and I 've been led to believe that I received that information long ago. Not sure that is true. Does n't matter in the whole scheme of things regarding Citi 's actions, but I seek to inform those that read this stuff - I 'm uncertain as to whether I received the information they allege they sent - frankly I do n't think so. It certainly is not in my files of late, and I have started to be very careful about communications between myself and Citi.
In XX/XX/XXXX we received an offer of settlement from Chase for the amount of {$33000.00} to settle in full our second mortgage on our house. At this time we were in mediation with Chase for our XXXX mortgage and chose to let the offer that ended in XXXX lapse. On advice from our attorney, we sent this offer to the Washington State Attorney General because the form looked like a teaser - it used the words " we may be able to release any Chase-held liens. '' In XX/XX/XXXX we received an offer of settlement from Chase for the amount of {$28000.00} to settle in full our XXXX mortgage on our home. We were still in mediation with Chase on our first mortgage and chose to let the offer that ended in XXXX lapse. During our second mediation hearing in XX/XX/XXXX, after XXXX years of trying to get a modification, Chase told us that our pooling and servicing agreement did not allow for any modifications. The same day that we learned that we would not be eligible for a modification on our first loan with Chase, we contacted Chase to try and settle our second mortgage so we could try and get a new loan on our first and retain our house. After the usual no-call backs as promised, Chase offered to settle our second loan for the new amount of {$55000.00}. I asked that the offer be e-mailed to me and I never received an e-mail. On XXXX XXXX I received a phone call from Chase. I was told that the offer for {$55000.00} was good until XXXX XXXX and any subsequent offer would be for more money. 
We are trying to retain our house. Chase is pushing us down a foreclosure path that is both unethical and disturbing. Why does the settlement offer nearly double when I contact Chase to try and settle? My house has not gone up in value that much between XXXX and XXXX of this year.
I disputed the inaccurate information regarding the late payments on the student loans listed on my credit bureau report. The investigation by the bureau was updated to reflect the late payment history as accurate from XXXX XXXX, XXXX through XXXX XXXX, XXXX. XXXX, the loan servicer has verified that I was in forbearance during those dates. My account payment history in their system to reflects the forbearance and there are no late payments. XXXX refused to verify the information until after the loan was consolidated a few months ago. I need my payment history to accurately reflect my account with XXXX.
Diversified Consultants Inc has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
My social security number, credit information, and other sensitive data was breached from the Equifax breach. This hack happened much prior to their acknowledgement and I received no notice from them. Offering 1 year of credit monitoring in exchange for agreement to no class action lawsuits is not a fair solution to their lack of cyber security nor their silence for weeks after the breach.
XXXXI did not exhaust 36 months of forbearance on earlier loans. I was unemployed for a period of time, and should have been in a deferment status. I also endured low wages for a number of years, and should have also been in a deferred status, not forbearance. If Navient placed me in forbearance during those years, that would be an unethical act. According to my knowledge, Navient is being sued in court for this very practice.
XXXX XXXX sold my mortgage to Select Portfolio Servicing , Inc. ( SPS ) this year. I have been making additional principal payments and the company has 1 ) not processed an additional principal payment of {$500.00} I made on XX/XX/XXXX and 2 ) processed an additional principal payment of {$1000.00} I made on XX/XX/XXXX as an advance payment instead of additional principal payment.
I have mailed and faxed about this information on my credit report and the company have yet to respond and it been over 30 days. I did not authorize anyone to make these inquiries.I thought I had my account set that they have to get additional information to make sure its me.I know for sure this did n't happen.This is having a negative impact on my credit XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( this bank seem to run my credit every other month ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( I have no clue what this is ) XX/XX/XXXX
This issue is with XXXX XXXX. They have failed to report our information correctly. We never included our mortgage in the Chapter XXXX bankruptcy filing. We paid the loan off based on the short sale agreement established with this mortgage company. The date of the bankruptcy was XXXX XXXX and the house sale date was XXXX XXXX.
a payday loan, really can't remeber there name, weird name, foreign / XXXX XXXX i think. can't remember i'm old and sick, iknow i did XXXX XXXX  and XXXX  XXXX, that i can remeber, but oher one i can't
Debit card compromised and unauthorized ATM pin transactions were made starting onXX/XX/XXXX. We were notified onXX/XX/XXXX of a suspicious transaction and I called the same day to report the fraud. US Bank paperwork received and returned onXX/XX/XXXX. Called US Bank onXX/XX/XXXX to follow up and was told the " claim was denied '' because they " had me on camera '', which is false. This is {$2400.00} of MY MONEY that the bank in my opinion has stolen. <P/>Invalid transactions were :XX/XX/XXXX XXXX ( my branch ) {$500.00}XX/XX/XXXX XXXX ( my branch ) {$500.00}XX/XX/XXXX XXXX XXXX ( never been to this branch ) {$480.00}XX/XX/XXXX XXXX XXXX ( never been to this branch ) {$500.00}XX/XX/XXXXXXXX XXXX ( see above ) {$500.00} For the record TWO different US Bank cards ( a XXXX and a debit card ) were compromised within a week of each other. The two cards ARE NEVER used in the same places. In my opinion, this is an " inside job '' and US Bank is involved in the theft.
I tried to send money abroad using XXXX & they would not allow me to do so. They returned my funds to my NetSpend prepaid M/C on XXXX, but NetSpend keeps giving me excuses to not put it back on my card. It has now been 10 days and they are still telling me I have to have XXXX fax to them on their letterhead a letter of cancellation of transactions, and they have done so at least 6 or 7 times, as well as keeping me updated on transmissions. They also tell me I can send them emails giving dates & times of the cancellations, which I did but they do not accept them either and I follow their instructions to a XXXX NetSpend now is giving me the same list over & over & we do what they say to do, but never acknowledges and returns my funds to my card. I was told by a friend they must be trying to scam & cheat me out of my money. I just need my money back on my card account. They have been using my money interest free for 10 days now and seem to not be too interested in releasing my funds back to me.
I am receiving debt calls and letters stating I am going to be sued. They have even called my partner on his cell and home numbers. I am told I owe {$2100.00} from 2008. I have asked for proof, but none received. I did n't have a card then. The company is P & L Acquisitions. My partner told them not to call him again, but they are calling daily.
there are few inaccurate reporting on the credit report for the following account, XXXX card acc # XXXX, date opened XX/2009 please find attached the upload letter from the creditor for which they have approved to remove the inaccurate lates reporting on my credit file. 
i have already forwarded the letter from creditor to all three credit bureaus and requested to remove but they have not, i need your help in order to do so. 
thank you for your cooperation
When I created a PayPal account to purchase a product through another vendor, they signed my up for a XXXX XXXX that I never agreed in opening. Now monthly I have a ding on my credit report as they state that they can not close or do anything about the account as it belongs to a different person with the same name but different date of birth, social security number, address and phone number. They state it was due to identity theft but neither of the XXXX organizations that I have monitoring service with state identity theft and that all information points to PayPal services with the billing address and phone number.
I received a call stating it was a collection agency. He left no name, no name of company, just a phone number for me to call. 
By the way, none of the Communication Tactics to choose from apply to me, but I had to choose one to continue. I received the attached letter later.
I asked for a copy of mine and my husband 's credit report after seeing inappropriate data on documents presented at the time of closing on our house. A GENEROUS amount of incorrect information appeared on our credit report - over XXXX credit cards that do not belong to us, with a name and address in another state. I called Transunion, the credit bureau responsible for the additional data, as they had included ALL information for an individual who has the same first name and last initial as mine. Uncomfortable with the fact that I now have all of HER personal information - address, place of work and every credit card number she does/has possessed, I also wanted the appropriate credit score for mine and my husband 's credit history. I asked Transunion to remove her information from the credit report. They assured me they would clean up the credit report and send me a new XXXX within a couple of weeks. That happened on or around XXXX XXXX. 
I called the company today, XXXX XXXX. Today the Transunion representative indicated they could send a new credit report out, but it would not include fresh credit ratings. Further, today the representative indicated that XXXX HAD already been sent on XXXX XXXX. When I asked the question, " To what address? '' the response was THE ADDRESS OF THE OTHER INDIVIDUAL?!?!?! 
This is a bigger issue than getting my credit report cleaned up or getting a fresh credit report and credit score, although those are important aspects to me, as well. There is an alarming gap in processes that allow for me to see information with a Social Security number of a person who simply has the same first name and same first initial of last name ( not even the same last name ) as mine. And, even more alarming, now I am extremely vulnerable, since this other person has been sent a printed copy of all of MY personal information - including my social security number. I am absolutely stunned - I have XXXX social security number, distinctive from any other person and a computer filters exact data, not " approximate '' data. 
In a climate where great caution is encouraged, identity theft is rampant and government agencies are in place to protect the consumer, I am mystified that this could happen. 
To add insult to injury, Transunion will not provide a full credit report without charging me and will not freeze my account without charging me. They have created an incredibly vulnerable environment for someone who keeps my nose to the grindstone, pays bills on time and trusts that the processes in place will protect me. 
I do not even know where to go from here, or what I should do to further protect mine and my husband 's data, strong financial history and my social security number?!?!?!? It has now been sent to someone whose only common data point with me is the same first name.
I received  XXXX  separate invoices from " Convergent Outsourcing '' company.  XXXX  of the debts attempting to be collected is for  XXXX  which I received on  X/X/2017   . The original amount is {$1000.00}. They are offering a reduced amount at {$530.00}. That account number is :  XXXX . The other letter that I received was for  XXXX  on  X/XX/2017   . The amount owed on that is {$580.00} with a reduced amount at {$110.00}. The account number on that debt is :  XXXX . Neither of these debts are legitimate. I would like to get this taken care of and stop receiving these letters. The contact information that was provided by them are the following :  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  www.payconvergent.com
I have tried numerous times to resolve an inaccuracy in th way an account is reporting with XXXX, Equifax, and XXXX all to no avail. 
The account is for an auto loan which was repossessed in XXXX and sold at auction in XXXX. The original loan amount was approximately {XXXX}, and once sold approximately {XXXX} remained. 
At this point it should be reporting as a charged off account in amount of {XXXX} approximately, but instead continued to report as late payments each month with a balance remaining of XXXX. 
I have tried, and tried to resolve both with the bureaus, even sending supporting documents ( attached ) from original finance company, but to date all disputes have been updated as " validated/verified '' and disputed closed. 
I am not disputing the validity of account being mine, but rather an error in how it is reporting. 
I am a single mom, doing my best to purchase a home in near future, but this continues to affect my credit negatively month after month. Please help.