WillisBack/dataset-financial-user-claim huggingface dataset:
I have a a unverified account from CBE. I had previously disputed this account. I have never done business with CBE. 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 CBE 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 CBE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Repeated calling my number with an automated phone number. 
I have never been able to talk to a real person. 
I do not owe any outstanding debts.
I held a power of attorney for a man residing in the XXXX. The principal died. The XXXX hounded me to pay the debt, and even though I wrote to them and told them that I was not liable for the debts of the deceased person, they referred the matter to a collection agency that did not even list the deceased person as the debtor.
I have a debt showing on my credit reports for an account that I did not authorize. It is unknown to how this came about but I am certain it was not under my discretion. I didnt even give anyone close to me permission
On XX/XX/XXXX around XXXX in the afternoon i received an e-mail from a chase stating as you have requested weve ordered you new atm/pre paid or debit card or you were issued on at a branch. I was working and i thought it was weird that they would send me a email when i had no changes to my account, or anything for me to have requested a new card or anything. I checked my account to make sure everything was okay and it was. When i got off of work at XXXX i received notifications of 4 transactions at a XXXX XXXX in XXXX for the amounts of 1- {$54.00} 2- {$52.00} 3- {$52.00} 4- {$52.00} i quickly called the bank to have my card canceled. They did a verification over the phone and asked me questions that had nothing to do with me, i also tried verifying with my phone number they stated they would send me a quick text ( but that the system had blocked my number? ) also that i had answered the questions incorrect therefore i had to step into a branch. I stepped in had myself verified with two forms of ID. An agent called the claims Deparment asked me valid questions pertaining to what was going on and told the claims department over the phone yes i have the card here in front of me validating that it was fraud and someone had either cloned or just knew my numbers to my card. the agent told me i would get a refund within a couple of days and i did. I got the refund everything was perfect. On XX/XX/XXXX around XXXX i checked my bank account and noticed they had taken back the money they had given me back, i immidately went into a bank and was put over the phone with the claims department and was told that they had experts that knew that i had inserted my card into the XX/XX/XXXX machine, and had entered my pin into the machine as well. When trying to ask how is it possible since they took my money at XXXX XXXX  on the XX/XX/XXXX, and stepped into a branch that same day at XXXX With my card. I could not be at two places at the same time. I live in XXXX tx when trying to explain this to the claims agent he stated maam theres is nothing we can do anymore we have proof and basically cut me off i had to talk to a manager who told me i should file a police report if i want to get this settled. I took my police report today. Gave it to them and all they said was okay thank you. Never told me what was wrong, what was going to happen, nothing at all. Why give me the money back if later they stated they had proof that i was doing fraud with the bank. I am very upset that a big bank like CHASE would do this to a loyal customer. I want justice for my claim. And my money that was stolen from me.
Short sale Mortgage assistance case. I am at my wits end and need to file this complaint!!!! 

Citibank is my second lean holder and is dragging their feet deciding whether or not they will grant an extension on my closing date. My First mortgage holder accepted the sale 2 weeks after Citibank accepted my short sale request but time has expired on Citibank 's closing date requirements. Citibank will not work fast enough to extend closing date and may force foreclosure with first mortgage Lender due to their incompetence in my case. They say they will only talk to my Real Estate agent once a week. and I keep getting the answer that its in our process and we will get back to you.?? So What the XXXX is the process anyway?. There is no transparency to a mortgage holder who is going through this financial assistance so what is actual process and what are steps to take. There is no clear path to the end in this case. I'm also finding out Every bank is different? What no laws for this? 


Well Since Citibank is the second lean holder they get nothing if my property is foreclosed on by first lien holder. In fact it will cost them more money with legal and attorneys fee to come after me. So as of now I'm calling the preservation unit so they will spend even more money on the property, heating, electricity, lawn care, plowing and eventually they will not get anything from me and forcing me to a foreclosure with my first mortgage holder and i really do not care anymore.. Time is of the essence here in my case and they really don't care. I'm just a number to them. I thought a Second mortgage holder would jump at the chance to get some kind of payment to settle a debt. And I also thought that Forcing a foreclosure with the first Mortgage holder was against the law if your the second mortgage holder gets nothing from forcing it. I dont logically understand the proverbial sea of XXXX   they are throwing at me. 

Every time i call them I speak with someone else, Get a different answer and have a different task to complete, It has now been 5 exhausting months since I applied for mortgage assistance and this system or process they have is designed to fail if you give up. I have Faxed 100s of documents, made 100s or phone calls and to no avail no improvement and lack of urgency on my case. This is making my financial situation even harder and my stress levels and mental anguish have made me hate banks all together. I am slowly losing my faith with Citibank that things will fix itself by the XXXX of this month. If someone at Citibank would just realize if they extend the closing they will actually get some money from the sale of my property. Otherwise they get nothing. I would love to hear the managers water cooler meeting at Citibank when they ask about my case if it could have been extended so they can get some sort of payment from me other then getting nothing because their internal process needs improvement. 
I am guessing they do not care about the little guy. 

And the moral of the story is Pay cash for every thing and don't ever use Citibank for anything!! 

A fed up and XXXX over American!

Thanks for listening
I called Customer service and spoke with a represitative and a supervisor at Transunion and they would not help take care of the negative inquiries reported on my credit report they were very dismissive and rude.
Was applying to have my name added to my mother 's mortgage and amazingly, was rejected. Here are the facts. I work for a XXXX XXXX company, make well over {$68000.00} a year, have a 700+ credit score, and have a car that 's fully paid off worth about {$14000.00}, and have {$56000.00} sitting in a B of A bank, the bank that turned me down. Moreover, we had $ XXXX in equity in the home so if we didnt pay, the bank would still get all its money back and more. 

My mother also has good credit, receives about {$2100.00} a month from SS, and has {$13000.00} sitting in just one of her bank accounts and thousands more sitting in others. 

Here 's why we got rejected. XXXX XXXX, the B of A rep, underreported my income by about 50 %, did n't even come close to listing all of my assets or my mother 's, listed the house as having been bought in XX/XX/XXXX, instead of XX/XX/XXXX, listed the purchase price as {$100000.00} instead of as {$79000.00}, had the wrong address on the loan, and charged me $ 500+ for an appraisal that never took place and which she originally was not going to refund. XXXX also listed my marital status as single, a lower credit rating, instead of married, a higher credit rating. Nor did she even ask about my wife 's income -about {$45000.00} a year. I emailed her several times telling her of these discrepancies, but she insisted I just follow her instructions and everything would be alright. Well, it was n't. The loan got rejected. 

I have several emails documenting my corrections of XXXX 's data and of XXXX 's insisting I just submit the paperwork as it was. Attached is but one of them. If need be, I will gladly submit the rest. This one, however, seems to say it all.
I have a collection that appears on my credit report that I have no knoweldge of nor have I ever been contacted about this previosuly. The reporting is by a company named XXXX XXXX XXXX in XXXX California. I have called to Experian and disputed the information. I also placed a call to XXXX XXXX XXXX on Monday the XX/XX/XXXX. I spoke with someone who transfered me to the voice mail of a XXXX which I left a message. Ny Thursday the XXXX I have not had my call returned.
Have contact both party 's involved numerous times still no resolution. The problem is that it's a medical bill that was discharged in bankruptcy in XX/XX/2014. Appears on my XXXX credit report as in collections with Common wealth Financial ( XXXX XXXX ) Head supervisor XXXX extension XXXX. It has been dismissed through Common Wealth Financial I  currently have no open accounts with them. Bankruptcy was final in XX/XX/2014. XXXX will not remove it off of my credit report I have contacted them give them the number of the XXXX person in charge at Commonwealth where the he said he would talk to them personally and have them remove it they would not contact him. I've been dealing with this for two months now on my credit report I have called a gazillion times I have documentation of every time I have contacted both. The account is in the amount of {$250.00}. Bankruptcy was closed XX/XX/2014 I've given them both parties all the documentation Commonwealth has no open accounts. Supervisor that I contacted from XXXX was XXXX who would not take care of it he said it was out of his hands. At this point I have no idea what else to do where else to turn. Hopefully I can get some satisfaction through you.
I received the attached letter from CitiMortgage. I do not deny I am in arrears. I have tried so many times to work with these people but they are all over the map with their stories. I gave up trying to communicate by phone and letters do not get a response. I was told that I could cure the outstanding debt by sending in extra funds. Now they returned my last payment because said that the debt goes back more than 120 days and I ca n't pay this way so they are putting my into foreclosure. I am on Social Security so I do have a limited income but I work a few housecleaning jobs etc. to get extra money to help settle this. They wo n't put me on a repayment plan.
Good Afternoon, My name is XXXX XXXX, I am a United States XXXX Veteran who has been attacked by the company DriveTime constantly calling my work place and harassing me over a car that was repossessed in XXXX. A back story, after going through a very hard transition period getting back from XXXX, I became homeless in XXXX XXXX. I called DriveTime and told them I could not make the payments as I could not even afford my rent payments. I told them to come pick up the car and gave them the address and location. That was 2 years ago, all I had on me at the time was a cell phone and as I was sleeping XXXX I was still receiving countless calls at all hours over this car. I have been awarded a XXXX rating of XXXX through the department of veterans affairs and I finally got my life back together. I am now trying to purchase a home for me and my newly wedded wife and I can not because DriveTime has a collection on my credit account for XXXX/XXXX/XXXX which is absolutely ridiculous. This is a false time frame and it is seriously impacting my credit score. I am trying to finally be able to buy a home and I am currently in the position to do so but these people are fraudulently recording the date of collection on this car and it is dramatically affecting my credit. I have asked them to correct the date for which this repossessed and they have yet to do so. It is clear through the Department of Veterans Affairs that this car was repossessed way before XXXX XXXX because I went to the Department of Veterans Affairs in XXXX of XXXX and they set me up at the XXXX XXXX and XXXX XXXX located at XXXX where I was able to take showers etc. I was at fault for not being able to pay for the car but they took the car back, and I am still unable to live a life two years later because they have inaccurately and reaged my credit information. I would like this fixed.
On or about XX/XX/2018 I received my annual credit report from XXXX XXXX which contained a number of items that did not belong to me and was seriously affecting my credit score. Among the accounts reported in error that did not belong to myself was from AFNI ( ACCT XXXX ) in the amount {$270.00}, for a XXXX Account I never had. 

On or about XX/XX/2018 I drafted a letter to XXXX XXXX directing the wrongfully reported items be removed pursuant to 15 USC 1681 ( i ) including that of AFNI. Said letter was send via facsimile to XXXX XXXX XXXX with confirmation of fax received. ( A true and accurate copy of letter and fax confirmation are attached to this complaint ). On or about XX/XX/2018 I received a completed dispute notice from XXXX XXXX in which they removed most of the disputed items, however AFNI remained, claiming it was verified. On that same date, I also contacted AFNI and demanded any contractual documentation from the original creditor and anything with my signature, or the assignment contract from the alleged original creditor to AFNI giving them authority. AFNI has never responded, because the information regarding myself does not exist. 

On XX/XX/2018, I drafted a second dispute letter to XXXX XXXX directing them to remove the AFNI account as it is not mine and any verification of same would be fraudulent. XXXX XXXX again did not remove the AFNI account. 

OnXX/XX/XXXXI faxed to XXXX XXXX a Request For Method Of Verification pursuant to FCRA 611 ( a ) and FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) for the AFNI account ( copy attached and fax confirmation attached ) to which they have fifteen days to respond under the statute. As of XX/XX/2018, XXXX XXXX has not responded in any fashion therefore on that basis alone the account must be removed. 

It is not my responsibility to do what is deemed XXXX XXXX 's responsibility under the FCRA as it the credit reporting agency 's legal obligation to make sure that what they are reporting is truthful and accurate. When a consumer informs the agency that the reporting is in error or fraudulent, the credit reporting agency as a heightened duty under the statute to do a proper and complete investigation. All XXXX XXXX would have to do is demand from AFNI any original contractual documentation by and between myself and the original creditor, which they would then find out it does not exist. Also, as the account is not mine, I can not give them any supporting documentation as there is none to give. 

Because I have disputed his claim 3 times with XXXX XXXX as well as the collection agency, and because I have received nothing by way of supporting documentation from either, the AFNI account must be removed from my credit file.
Costco ended its relationship with  XXXX   XXXX  last year and offered Costco members the chance to have a  XXXX  card through Citibank. I have no interest in having an account with Citibank so did not pursue that option. I tossed all of their mailings in the trash with the other junk mail. Yesterday I received a call from Citibank about my account. I called them back and told them I do n't have an account, they told me I do and that it has a charge on it ( Costco membership fee ) and late charges. If  Citibank mailed me a card I tossed it and never activated it.  Citibank  should not have an account under my name and should not have allowed a charge to be made on an inactivated account.  Citibank  told me I need to get Costco to reverse the charges, but they never should have accepted the charges in the first place.
On XX/XX/2018 I was suppose to have funds transferrd from XXXX XXXX XXXX via XXXX. To another XXXX account. Instead they transfered to my closed account at U.S. Bank. This account was closed XX/XX/2018. Then U.S bank notified me via email that the funds were deposited to my account. How is this if it is closed? We have been going back and forth with XXXX and XXXX XXXX XXXX. No one will help. XXXX says it is the bank. U.S. Bank said if account was closed it would be returned. Still not returned to original account. XXXX XXXX XXXX says wait 15 days then wait 45 days. NOW XXXX XXXX XXXX says they can not help us. Says XXXX fine print says too bad not responsible. The Banks force us to use XXXX. YET THEY DON'T PROTECT US! 
The monies were XX/XX/XXXX Was deposited to U.S. Bank for XXXX XX/XX/XXXX " XXXX XX/XX/XXXX " XXXX One XXXX payment made it to my XX/XX/XXXX account on XX/XX/XXXX These went to U.S Bank because the email was the same on XXXX. We were trying to figure out how to send to XXXX. Several attemps failed. Called XXXX after all this then they tell me I had to delete my account on XXXX and re-enter. No where on its site does it say this. And it is not that easy to find on XXXX XXXX was also unaware of this. 
This does not solve the problem of where is the money??? 
As of right now no one can tell me where the funds went. I was told too bad you used XXXX. HOW CAN THIS BE? Someone has my money. This was somone trying to pay their rent to me. 
I tried calling U.S. Bank and Iget switched to wrong departments.
I have already submitted this complaint ( Complaint Number  XXXX  ), however I am unable to log on to CFPB for status using the email address I have provided. Also, the information on the submitted complaint had one inaccurate information, which I have contacted  Discover to resolve the matter prior to submitting complaint here, and Discover was unable to resolve the matter.   <P/> P rior to opening Discover credit card, I have spoken with a representative/Account representative with Discover a nd confirmed that the balance transfer fee would be 0 % if transferred by  XXXX     2017.  However, when I received the credit card and signed up online for the transfer, it had 3 % fee for balance transfer if transferred by  XXXX     2017. He nce, I 've contacted Discover and the service rep/account rep told me that there was nothing they can do about it because that was what was approved for me. This sounds like bait and switch tactic. I feel mislead.  <P/> P.S. My husband received an offer for 0 % balance transfer fee, which is why I had attempted to  open Discover, and prior to opening credit card with Discover, I have spoken to Discover account  rep for this same offer, which he said yes.
This account is not mine. In 2014 XXXX XXXX stole my identity. I dont know how many times I have let all 3 credit report bureaus know this information. They still let creditors put the identity theft on my credit report. They dont check nothing before putting it on my reports. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX credit card. Equifax needs to take off XXXX XXXX XXXX, XXXX has taken off the the bad. But still no Good standing on my report. XXXX still has all the identity theft on my report. Name wrong and still dose not have any of my good standing. XXXX  bank, XXXX, XXXX, XXXX XXXX, these accounts need to added to Equifax, XXXX XXXX, XXXX. Please add the good standing on my reports if not already done so.
Equifax has continually reported the a charged off credit card on my credit report twice. This has been going on for about 5 years. Equifax refuses to fix the situation. My most recent dispute was closed XXXX/XXXX/2015. They claim the account is only on my credit report once. When I check the credit report today it is still being reported TWICE. I only had on credit card with XXXX XXXX XXXX. Thats it. The account number, date opened and balance are all the SAME. I have attached the most recent credit file.
I filed an earlier complaint regarding the collection practices of a third party organization assigned by XXXX XXXX. XXXX XXXX did not respond with validation of the alleged debt being collected on. Checks were sent via postal mail years ago to satisfy the outstanding balance on the credit card account I had with XXXX XXXX. I had been under the impression the matter was resolved many years ago. XXXX XXXX instead replied with NO documentation : no canceled checks, no financial ledger, no account statements reflecting the alleged outstanding debt, etc. I 've been the victim of financial fraud in the past and am leery of the absence of proper documentation as well as illegal collections practices XXXX XXXX has participated in over the years. 

I would like for XXXX XXXX to halt possibly predatory collections practices on alleged debt, debt that there has been no documentation provided to validate. 

I would like for XXXX XXXX to provide proof that the money paid to satisfy the balance on my credit card account held with them circa 2007 was simply not noted on the wrong account. 

I would like for XXXX XXXX to provide statements for that card account mailed to me reflecting an unpaid balance.
I successfully filed for a credit freeze with XXXX  and XXXX online. When I tried to do the same with Experian, they insisted that I copy and send all this information by mail. It is a gross inconvenience. Also, their webpage directed me to XXXX so that opt out of receiving their third-party advertising. That webpage crashed.
I have file for a Visa card for Capital One and Capital One Administration and Management keeps denying my application because I filed various Discrimination and Retaliation complaints with Federal Government.I was denied on XXXX, XXXX, XXXX andXX/XX/XXXX.
I am requesting a Federal Investigation against Capital One for Retaliation and Discriminating against me as a XXXX XXXX XXXX and XXXX and XXXX Military Veteran.
I have credit scores of XXXX XXXX and XXXX XXXX as I checked with XXXX XXXX XXXX. My credit score with XXXX is in the XXXX in which it will rise once the hard inquiries be deleted from XXXX  credit report and XXXX and XXXX.
I have provided my California Cal Pers XXXX Lifetime Retirement Pension income of {$4400.00} a month.
I own a home that has a value of {$320000.00} and I get Denied for a Visa credit card with Capital One?
I am XXXX  and XXXX and Capital One has denied me a Visa card because I am XXXX in which my ADA XXXX Civil Rights has been violated by Capital One Administration.
XXXX XXXX and XXXX XXXX and other Capital One Management keeps sending Denials Letters.
Also, Capital One denies a Visa card because I have a Bankruptcy Chapter XXXX on my credit file in which it was filed because of circumstances.
Bankruptcy was filed on XX/XX/XXXX and Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX.
Capital One makes billions of dollars every year why company retaliates and discriminates against minorities and military veterans?