WillisBack/dataset-financial-user-claim huggingface dataset:
I have once again fallen victim to corporate greed in this country. As a college student I feel very vulnerable to banking institutions tactics to create overdraft fees among many low income citizens. The impact of such irresponsible behavior by this institutions spreads in every aspect of my daily life in the most pervasive manner. I struggle to meet ends meet and being in a university, as it is widely known does not come cheap. Every dollar counts and I intend to make every hard earned dollar go towards my education. Not to make banks richer nor become a source of unjustifiable profit. I have no trouble paying my bank the fair fees for the fair usage of their services. Unfortunately overdraft fees do not fall into that category, especially when they are created by corporate tactics with the specific purpose of creating such fees by manipulating timezones limits on deposits. I always get paid after XXXX MST which is a reasonable time to get paid by every standard. I just see no reason whatsoever why banks can not accept deposit made before XXXX XXXX to be processed as a same day transactions. There is no logical conclusion in this time and age when information is available instantaneously, other than authority to impose such restrictions in order to gain profit from a certain portion of the population that work during the night shifts. We have to create awareness that it should be up to us, the consumers and not some financial institutions that " are too big to fail '', to determine our economic future ; by the sweat of our labor and our conviction to pursuit financial growth that will help us reach economic freedom. I am very frustrated citizen and I am looking for alternative ways to manage my money.
This complaint is based on violations of the FCRA, the FDCPA On XX/XX/2018, I reviewed my credit reports and saw a collection account reported by Resurgent capital claiming they purchased a debt from XXXX  XXXX. I was never aware of this account and had no opportunity to dispute the debt prior to this period. 


___ On XX/XX/2018, I mailed to RESURGENT CAPITAL a demand letter pursuant to XXXX Chapter 93A and a request for validation of debt. I requested all of the required materials under FLORIDA. law 940 CMR 7.08 ( 2 ) and 209 CMR 18.18 ( 3 ). These materials include ( a ) all documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected, and ( b ) a complete transaction history which reflects the date and amount of payments, balances, and charges concerning the debt. My letter also included the very same form letter provided on the website of the CFPB for consumers to request validation of an alleged debt. 

XXXX On XX/XX/2018, resurgent CAPITAL received my letter via certified mail. 

___ At no time did they validate the debt by providing the required materials under Massachusetts law, nor did they provide the answers and documents as prescribed by the form letter issued from the website of the CFPB. 

___ I disputed the account thru the credit reporting agencies. My dispute included that ( a ) I had no knowledge of the account and ( b ) that resurgent capital failed to validate the debt as required by [ florida LAW ] and the Consumer Financial Protection Bureau. 

___ Between the dates of XX/XX/2018 XXXX, I received the results of the investigations from the credit reporting agencies, where XXXX had falsely verified the account, despite their failure to validate the debt as required by FLORIDA law and the FDCPA. 

CFPB Complaint Resurgent capital failed to validate the debt as required by state and federal law can only be construed that they do not possess the required materials to support its claims that they are owed this debt, including the accuracy thereof. 

I do not have a signed contract nor any contract with this company. Iam not liable for the collection from this debt from XXXX XXXX XXXX or resurgent capital. Iam not responsible for debt and this debt  needs to be removed from my all credit reports. 

I WANT THIS REMOVED FROM ALL CREDIT REPORTS. 
THIS COMPANY IS REPORTING FALSE INFORMATION
Description : CBA Unable to Validate Alleged Debt Creditors Bureau Associates has failed to provide requested information from a recent dispute letter that was sent within the 30 dispute period as suggested. 

I received a letter by mail from Creditors Bureau Associates of Georgia ( CBA ) on XXXX XXXX 2016 dated XXXX XXXX 2016 stating that I had an outstanding balance of {$1100.00} from " XXXX XXXX. '' According to the received letter from CBA it states as follows : " Unless you notify this office within 30 days after receiving the notice that you dispute the validity of this debt or any portion thereof, this office will assume the debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice this office will provide you with this name and address of the original creditor, if different from the current creditor. '' On XXXX XXXX 2016 I sent a dispute letter to CBA and a tracking delivery confirmation was received on XXXX XXXX 2016, asking to verify the validity of this account and original creditor. 
On XXXX XXXX I received a letter from CBA dated XXXX XXXX 2016 that states : " According to the FDCPA, your account is past the 30 day validation period. Please contact our office if further information is needed regarding this account. This account is seriously past due. Please remit payment immediately. '' XXXX XXXX : XXXX wrote the first letter on XXXX XXXX 2016 I received their letter on XXXX XXXX 2016 I responded back to their letter on XXXX XXXX 2016 They received my response on XXXX XXXX 2016 From XX/XX/XXXX-XX/XX/2016 is a total of 19 days ( including weekends ) 13 days ( excluding weekends ). My dispute letter was written within the correct/allotted timeframe and still no information was sent regarding verification. 
As stated above : " If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. '' Since CBA can not obtain such information for verification CBA is not authorized to : - Collect this alleged debt - Make contact about this alleged debt - Report it under the FCRA, - Report this debt to XXXX, XXXX, and XXXX
ONGOING 2 YEARS LATEST XX/XX/2017. THEY TELL ME I AM NOT MAKING THE APLICATION. MISSING INFORMATION. 

I believe the problem arises from the Street address. My location two distincly different addresses. The Post office shows the corect address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX verified. If I look up the closest mailbox it shows XXXX XXXX. XXXX XXXX and Experian automatically change it to XXXX XXXX XXXXThe Post Office, XXXX, XXXX are all aware of the problem but overlook it in an effort not to inconvenience their customer. XXXX and XXXX display XXXX XXXX [ CORRECT ] Experian Verify approves both, but there is no such road as XXXX XXXX XXXX. All Federal Agencies use XXXX XXXX. No One is willing to make the corrections in their databases. XXXX Blames Experian and Experian does not give a XXXX. This results in the appearnce that there is two of me. .. 
Start with a company name and address to find its ZIP Code. However, this tool cant confirm whether the company is actually located at that address. 
XXXX indicates that Company , Street Address, and either City/State or ZIP Code are required fields Enter only English in all fields *Company XXXX XXXX *Street Address XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX *City XXXX *State. 
IN - Indiana *ZIP Code XXXX You entered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Here 's the full address, using standard abbreviations and formatting. However, we ca n't verify that this is the actual location of the business. Double-check the address before mailing here ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN 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 XXXX XXXX
The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is.
This is the  2nd time I have seen  a  XXXX , Texas address on my credit report or credit score and I have never lived in  XXXX , Texas.
on or about  XXXX   XXXX , I called in  to Citi Bank to  make an arrangement on my account. in  XXXX   XXXX , I contacte d Citibank  about fraud charges that were on my account from  XXXX . I was told they would address it and they did not. I left out of the country and left the card home. When I returned, there were additional charges to my account, more than {$2000.00}. I filed a second fraud claim. At that time I was also informed they never addressed the first set of fraud charges. Nonetheless I put in my claim. I submitted all documents request by the fraud department and left the country for a mission trip. While I was gone several request was  made by citibank  regarding the claim and because I did not receive it in time, they closed the claim and I was stuck with the bill. I lost my job and was unable to pay the bill On or around  XXXX   XXXX , I spoke with  XXXX  @  XXXX  about settling my account. She told me that I qualified for a program that I would need to pay  XXXX  per month for 5 months. This would bring my account current and the account would not close while on the program. A contract was sent to me with these terms on  XXXX / XXXX / XXXX .   On  XXXX / XXXX / XXXX  I spoke with an agent to see how the program would work if I paid the 5 month payment plan in advance. At that time I was advised my account was closed. She apologized but said my account was closed at the time I was placed on the program. When I initially called in the automated system did not advise me that my account was closed. It does now. How could this happen if the account specifically setup to avoid closing the account and getting the card holders account back on track?   This ambiguous agreement has affected my credit tremendously. Not only did they not handle the fraudulent claim but now they are not honoring the program terms that were outlined to me when I signed up.
I received notification I have an XXXX debt which is false. Requested validation and nothing has been received. Please help
I have made my mortgage payment to DiTech on XXXX XXXX, but has still not been taken out of my account. Online DiTech site shows a payment was applied for the date I did the online payment. I 'm wondering and waiting for the payment to actually be debited from my account but also think this tactic is to get more late fees from me. DiTech has not let me know by mail if my loan modification loan was accepted or denied. I put the paperwork in XX/XX/XXXX and was told on a phone call in XX/XX/XXXX my paperwork has n't had a loan person assigned yet as I have a XXXX loan. I just need to know what 's going on other than by harassing phone calls about my late payments. Not at all happy with them and think the federal government show investigate this compsny
1. Healthcare Collections is attempting to collect a consumer type debt allegedly owed by Plaintiff to XXXX with account number XXXX in the amount of {$250.00} ( the " Debt '' ). 
2. On or about XXXX, I sent a letter to Healthcare Collections requesting validation of the alleged Debt. In this letter, I stated that I had no knowledge of this debt and disputed it. 
3. Sometime around XXXX, Healthcare Collections sent a letter attempting to collect the alleged Debt. 
4. On or about XXXX, I obtained my XXXX credit file and noticed that Healthcare Collections reported the alleged Debt in the amount of {$250.00} This stated that the date opened was XXXX, which is false. Further, Healthcare Collections did not flag the alleged Debt as disputed, in violation of the FDCPA.
I XXXX XXXX paid off a vehicle lease several years ago. However, the loan company Nissan-Infinity still has me reported with a balance of {$350.00}. That is not possible if this same company shows the lease status as a full termination. I have protested this reporting with XXXX and the matter was not sufficiently completed with a proper reinvestigation. Accordingly, I believe the matter should get resolved, whereas the balance should show as XXXX. This correction is necessary to fulfill the obligation of Nissan-Infinity with XXXX  under their subscriber agreement with the credit reporting agencies in general. This credit item needs to be corrected immediately.
On XXXX XXXX, 2017 I received a notice from Bank of America on my equity loan claiming that I applied for loan assistance for this loan ( which I never did ) that I missed payments when I am on auto debit from my checking account ( never missed any payments ) and that I am subject to foreclosure if I do n't complete their borrower response package ( when I never did any such thing ). All proof of statements are attached.
Wells Fargo Blocks my bank Account so XXXX XXXX Wont work XXXX XXXX may Work fore 98 % Of Wells Fargo Customers and Wells Fargo Block XXXX XXXX use fore Anyone the bank Docent Like Wells Fargo Block me making XXXX XXXX Money transfers then Wells Fargo Says that Wells Fargo is not responsible fore 3rd Party Bank Machines that dont work with My bank Account that is Blocked by Wells Fargo and XXXX XXXX may Work fore 98 % of Wells Fargo Customers 4 years Im a XXXX in Foreign Countries like XXXX is {$110.00} Dollars max ATM Withdrawal with {$10.00} Dollars in bank Fees and XXXX XXXX Transfer transfer {$2500.00} dollars fore {$6.00} XXXX XXXX Askes fore my Online Banking Wells Fargo User name & Password Wells Fargo Denied then 5 Minutes later the XXXX XXXX Transaction works with XXXX XXXX I enter my XXXX XXXX Online User Name and password and XXXX XXXX Works I contacted XXXX XXXX says Wells Fargo is Blocking the XXXX XXXX Transaction is Blocked by Wells Fargo is what XXXX XXXX Customer Service told me XXXX XXXX 500000 Agent locations worldwide XXXX XXXX probably Work with All Countries online Banking and XXXX XXXX docent work fore me because Wells Fargo Block my bank account almost all my Online banking is blocked by Wells Fargo I complained a Wells Fargo Bank Teller might have Robed me then Wells Fargo Fraud Department Refuse Two File the Complaint a Wells Fargo Bank teller Robed me and my only and Next 20 Trips Inside a Wells Fargo bank all of my 20 Cash Withdrawals a Bank Teller had two Verify me 3 years Wells Fargo Block my Wells Fargo Credit Card wont work with XXXX
Opened a credit card account with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Got laid off for a long time so i couldnt pay it. Last payment made was on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX sold the balance left {$2800.00} to XXXX XXXX XXXX on XX/XX/XXXX. I have received a few letters from them over the last couple of years stating the balance i owe, but as i have been laid off for almost 2 years total out of the last 3 years, i still could not pay it. I was served citation papers saying the were suing me today, XX/XX/XXXX, & i do not know what to do. I just recently started a new job with a new company & at this point i still can not afford to pay this bill. I do not want to be sued but i have no idea what i should do. Someone please help
Thank you for your recent inquiry regarding your CARECREDIT/SYNCHRONY BANK. has refuse to credit my dispute and given the right to the provide. after the orange county sheriff is doing an investigation I hope you can see that I have take this very seriously. There is a police report an investigation case number. I am not paying for something I do n't receive just case a GPS of a mailman says that he placed in the mailbox. Plus you are the most irresponsible people sending a package over {$100.00} without an insurance. Insurance Coverage -- Priority Mail Priority Mail pieces bearing an Intelligent Mail package barcode ( IMpb ) or USPS retail tracking barcode ( see 4.3.4 ) are insured against loss, damage, or missing contents, up to a maximum of {$50.00} or {$100.00}, subject to the following : Insurance coverage is provided against loss, damage, or missing contents and is limited to a maximum liability of {$100.00} when the Priority Mail pieces bear an Intelligent Mail package barcode ( IMpb ) and if the mailer pays XXXX prices. 
Insurance coverage is provided against loss, damage, or missing contents and limited to a maximum liability of {$50.00} when the Priority Mail pieces bear an IMpb or USPS retail tracking barcode, and does not otherwise qualify for {$100.00} of insurance coverage as described in 4.2a.I will dispute this till the end am not interested of doing any business with a business so irresponsible as you guys. I want a copy of my receipt. I never received the item. Just because the item were suppose place in the mailbox it does not mean the were deliver to my hands.
I am a navient student loan customer and currently the online access portal denies me access to my student loans. I am not late and everything is current and there is no co-signor on the loan. I called on XXXX/XXXX/XXXX and spoke with their customer service to inquire about the difficulty in obtaining access to my account to process a payment. The customer service Supervisor mentioned that I could not access my account information online due to a litigation matter regarding a cease and desist letter that I submitted in XXXX. I had asked them why now do I have been denied access since the years XXXX I had successfully processed my payments online. After an hour of trying to resolve this matter, I was left with the customer supervisor by the name of XXXX, that they would process a payment over the phone without incurring a fee. I went ahead and accomplished my payment through their customer service. My confirmation number is XXXX in the amount of {$270.00}. Further escalation led me to speak with another employee and she had mentioned that they were upgrading their website and that I should check back within the month to see if I am able to process and access my student loan information online. I would like to inform the CFPB as I am not sure how this issue will be resolved. In order to hedge against further demise of this issue, i am documenting and reporting this complaint now in the hopes that Navient may provide me a solution that either addresses the cease and desist or the upgrade to their website. I am not sure which problem is causing this issue. This is the first time that I had to deal with this situation. 

We 're sorry. Because of your current account status, we 're unable to process your request online. Please call us so we can assist you.
My mom passed away XX/XX/2017. And willed the home to my XXXX niece and nephew and made me executor of the estate. Prior to my mom 's death we quit claimed the home so it was in my niece and nephew 's name. The mortgage company now is giving us the major run around and not allowing us to transfer the mortgage over into my niece and nephews names and pretending both my parents are still alive. We have sent both death certificates and they acknowledge the got both death certificates. Along with the death certificates I sent the quit claim and a notarized will claiming me as executor and that the house is to be willed to my niece and nephew. And all this was sent certified mail and the U.S. Post office shows the entire package was delivered. 

So they are intentionally now are threatening foreclosure. My mom was my niece and nephews PAYEE for thier SSI and social security held back atleast three months of payments after my mom passed to find them a new payee. So there was a delay in payments but it was because of the Social Security Administration not by us. But either the way the mortgage bank is going to proceed with foreclosure and will not communicate anything about the mortgage because they are claiming my parents are still alive. This is very illegal what they are trying to pull. And we can not afford a attorney. We have a very limited income as I am a XXXX veteran. Please help us.
We signed an agreement to assume and modify our mortgage through XXXX. Two days prior to finalization with them they sold it to Shellpoint Mortgage. They were supposed to adhere to everything agreed to by XXXX and us. Removing my ex-husband from the loan and placing me there since we had a Quit Claim deed, the amount of repayment and monthly payments were also supposed to stay the same. However, they replaced my name with my ex 's and raised the original agreement amount from {$2500.00} to {$2200.00} in XXXX then {$2500.00} in XXXX and raised it again in XXXX to {$2600.00}. This is getting a little ridiculous. They keep taking on fees and interest that should n't be there stating we are a month behind when I have never missed a payment. Please help