WillisBack/dataset-financial-user-claim huggingface dataset:
Optimum Outcomes has been unable to provide proper documentation validating this account. I am seeking immediate action and to remove this negative information permanently from my credit reports. Optimum Outcomes is in violation of the HIPPA laws. I have sent multiple letters on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, asking this company to verify this account and I have not recieved a satisfactory response. The only response I have received is a general bill asking for a payment of {$100.00}. This is the letter sent for validation of the account. 
This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/XXXX. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under the federal law. Compliance with this request is required under the laws of state and federal statutes. 
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this amount? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or compliants with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 
In addition, the Fair Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 
I have sent a copy of the request for validation to the XXXX Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
My accounts are BOA overdrawn. Accounts ending XXXX and XXXX. The accounts ending in XXXX and XXXX should n't even be open. My debit card was stolen and unauthorized transactions were made on the account. I advised BOA to investigate, refund the charges and close the accounts, which has never happened. Now accounts XXXX are overdrawn as well with more unauthorized charges. I have been having nothing but problems with BOA and my accounts with them.Their agents refuse to help and do what I the consumer am directing them to do. I demand the charges be refunded and all accounts be bought current. Also for accounts ending in XXXX and XXXX to finally be closed like I 've been requesting BOA to do.
Keep getting a call for a person that is not me ( XXXX XXXX XXXX. Says they are a debt collection agency and waiting to collect and the address provided is not even mine. 

Would like to stop getting these calls as they call everyday. I do not owe any debt collection agency nor do I know a XXXX XXXX.
I had started repaying my private student loans in the middle of  XXXX . I was having no luck finding a job in my field of  XXXX   XXXX , was only making $  XXXX  at the time and was struggling to pay my bills. I was given some financial help for my loans, and eventually had been paying  (  $  XXXX   )  more than the minimum, in order to catch up on the previous payments I had missed. In    XXXX   XXXX   XXXX  , I had left my job in order to further my career and started a new job. In   XXXX   XXXX  , w e were told we were being laid off. I was not able to afford paying my student loans anymore.      In   XXXX   XXXX   XXXX   , I spoke to a representative from Navient who told me " once you get your unemployment check, give us a call and we 'll work out a payment. '' My unemployment checks were, at most, {$250.00}. I told the representative I would not be able to afford any payments, as I have rent and other bills to pay. Being unemployed still did not matter, as Navient had continue to call me upwards of 7 times a day, trying to get a payment from me.     On  XXXX   XXXX  and  XXXX   XXXX , I had paid {$10.00}, because its all I could afford. On  XXXX   XXXX , I paid {$20.00}. I paid when I could, and how much I could.     Shortly after, during the week of  XXXX   XXXX , I had received a letter from Navient, threatening legal action on me and my fath er ( co-signer ) if we   did not make a payment. I had called after reading the letter and explained my situation to the woman. While she was sympathetic, she told me there was nothing else that could be done, and my monthly payments are {$1100.00}, which is about what I make month at my job. She told me unless I make a payment, then my name will be handed over to a lawyer. I offered to pay {$100.00} a month, or asked if there was any way to defer payments for hardship until I make more money or find a better paying job. I was told no. We went over all my monthly expenses and even though we both knew paying anything over {$50.00} a month is too much for me, I was told I had no other choice.     I can not make these payments. Every representative I have spoken to at Navient has not been flexible or willing to work with my income. It 's absurd to expect someone who makes {$1200.00} a month to pay anywhere from $  XXXX  {$1100.00} a month.
I sent a letter to Bridgecrest asking for verification of an account, they sent me back a letter saying that they did not have enough information to respond. I gave them my name and SS # which is more than enough. They have my physician address, as well as my P.O. Box ( so does the credit bureaus ). They also did not send me a 10 notice of redemption or a notice of sale, which are required by law for all repossessions. They also have my work address, so they had plenty of ways to notify me. My next step is small claims court with this issue. Thanks.
I have noticed unauthorized inquiries on my credit report. The inquiries are listed below : 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 Thank you
I completed a modification with Wells Fargo, who needed to obtain clear title to finalize the modification. It took around 4 months longer but the modification was completed and Wells presented me with a clear title. Notorized documents from a XXXX XXXX at Wells Fargo and Schedule A of the title. 16 months later I receive foreclosure documents from my condo association for a total of XXXX for XXXX liens dating back to 2011 in which I had no idea. All XXXX liens were invalid and now due to the title company and Wells Fargo I am fighting once again for my home. 
the title company and wells fargo should be held accountable for not finding the liens I now have to pay on top of mortgage an additional XXXX per month for these mistakes and am now falling behind in my mortgage again after taking 6 yeats years to get a modification
Several months ago my wife and I researched refinancing our home in XXXX XXXX, we chose Freedom Mortgage. After several months, and to date ( XXXX XXXX 2015 ) we have not had the closing, but received a letter in the mail from XXXX XXXX on XXXX XXXX 2015 that : " The servicing of your mortgage loan has been transferred from XXXX XXXX XXXX XXXX to Freedom Mortgage Corporation effective XXXX XXXX, 2015 '', etc. 
The letter gives the address to submit payments : Freedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX with the first payment due on XXXX XXXX 2015. 
I made the payment to Freedom Mortgage account number XXXX, and now Freedom Mortgage is sending us another Good Faith Estimate with a completely different interest rate, mortgage payment, etc ... 
I was contacted by a XXXX XXXX, Mortgage Processor On behalf of Freedom Mortgage. XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXOffice : XXXX ext. XXXX Fax : XXXXEmail : XXXXXXXXXXXX. 
by telephone and e-mail. I replied to XXXX XXXX about the situation and my concerns about the original mortgage loan and informed XXXX that I have already started payments on the mortgage XXXX XXXX 2015. 
Today, XXXX XXXX 2015, XXXX replied back for me to provide her the loan number so she can look into this. 
I am afraid that this may be a scam or a fraudulent transaction, as that XXXX can not locate my mortgage loan number by my name, and that Freedom Mortgage has sent another Good Faith Estimate with different interest rates, etc., trying to fraud me and my family out of my hard earn military retirement / XXXX veteran XXXX XXXX. 

Which part of the mortgage process is your issue related to? ( 1 ) No closing occurred with official signatures, ( 2 ) per Freedom Mortgage letter dated XXXX XXXX 2015 to start payments on XXXX XXXX 2015.
I have contacted Commenity Bank on several occasions. There are several fraudulent accounts in my name from this company. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX  XXXX. I spoke to a representative several months back and told them these are not my accounts and neither myself or my spouse open these accounts. They have removed one of the accounts stating after there investigation this was not mine. They did not address or remove the other accounts. I told them I would press charges and fully cooperate if necessary. My wife and I received harassing phone call daily. Not only is this stressful but aggravating. They have reach to other family members to get in contact with me. These are not my accounts and want the harassment to stop.
My property address is XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX I am a XXXX XXXX with XXXX and fully financed a condo. I had a first and second mortgage ..The first was recorded in error before the second by the title company but, they were with XXXX XXXX # XXXX and Citigroup XXXX . I was told when I entered the HAMP program that the second mortgage with citi did n't need to be included. I now have a personal judgement against me by citi for the full amount plus interest on a still upside down loan where that property wo n't be paid off until 2044. I am trying to deal with Citigroup but, they told me this account was archived. I 'm not sure where I stand on this or what my rights are regarding this situation. Any assistance would be greatly appreciated.
Ocwen Loan servicing LLC took over our mortgage from IndyMac in XXXX of XXXX. IndyMac took our automated payment out on the XXXX of the month instead of the XXXX as scheduled causing an overdraft that snowballed. In the end we were {$980.00} overdrawn. 
We finally caught up 60 days later and began making our regular payments. We were assured that if we kept the account under 90 days late we would be fine. In XXXX of XXXX Ocwen put us on a modification plan without notice. I had turned down the modification earlier in the year as it added {$200.00} to our payment that we could not afford. In XXXX I sent the regular payment. It was returned at the end of the month for being less than the modification payment. This pushed us over the 90 day limit and Ocwen froze our account and would not accept any payment other than the full amount. 
In the interest of keeping our home we worked closely with Ocwen to bring the account current to no avail. In XXXX of this year we applied for a principal reduction through XXXX ( XXXX ) and were approved. In XXXX XXXX sent Ocwen {$27000.00} ( approx ) which Ocwen accepted and then sent us a notice that we were not eligible for their loan modification as we did not send all necessary documentation. We were then sent the monthly mortgage statement listing the XXXX payment and listing our new payment due on XXXX XXXX. We then received a new notice from Ocwen this month stating that our loan modification was approved and our payment was due on XXXX XXXX. 
I have made repeated calls to Ocwen and have gotten XXXX different quotes on which payment plan we have, the payment amount, and the due date. 
I also contacted Fannie Mae ( as Ocwen is their subsidiary ) for intervention and they have not returned my calls or made any move to correct the issues. 
Today ( XXXX/XXXX/XXXX ) Ocwen called requesting the documents to approve the modification plan! 
Their incompetence is beyond belief and is causing me undue stress and anxiety.
In an effort to improve my credit history I paid XXXX collection accts and satisfied XXXX judgement. I sent the documentation from the collection agencies to delete these accts to the bureaus. To my dismay my credit scores went down on XXXX of the XXXX bureaus and the status of the judgement remain unchanged. I am on the verge of sustaining irreparable damage as I am about to lose my contract to purchase my home and lose my earnest money. Please help
I first received a call from PORTFOLIO RECOVERY ASSOCIATES on XX/XX/2018 from the number XXXX XXXX. They did not leave a message. This number came up as spam on my phone. I searched the number, found it was linked with Portfolio Recover Associates. They have absolutely never contacted me through any other medium except spam calls. I have never received a letter or voicemail from this company. 
The following is a list of numbers and dates I was called from this company : XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL AGAIN ON XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL AGAIN ON XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX ( this is when I started blocking the numbers calling me ). NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL AGAIN ON XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL
I attended XXXX XXXX College ( a proprietary school ). I was taking prerequisite classes to enter their business program. They misrepresented themselves and stated that I would not have to pay till I started the actual business program. While in the prerequisite classes, they then announced that the business program was no longer being offered. They offered other programs for me to enter, and as I was thinking over their offer, the entire school closed down. They were owned by XXXX Colleges, and I heard that all their schools closed. Today, I found out that they are reporting on my credit report that I owe them a debt ( that was sold to a debt collector ; Jefferson Capital Systems ). They are claiming that I owed the school money. I feel it is the other way around, they wasted by time by making false promises they could not keep and eventually the entire school closed down.
XXXX XXXX XXXX defrauded over XXXX students. Navient is attempting to collect on my private student loan for which I have nothing to show for. The US DOE is currently considering my defense to repayment regarding Federal loans to the before mentioned entity. Navient claims they are exempt of following the laws of the state which I reside in, Texas. I notified Navient to cease and desist collections under the Texas Debt Collection Act, a law that Navient states that they are exempt of. I am open to postal communication from Navient, but do not wish to deal with them verbally any further. They run like a record, and repeat over and over how they are exempt, how I owe the money ; yet they are enforcing a contract entered by me in good faith that the receiving entity would deliver what they promised. They must immediately accept my demand to cease and desist phone communications.
When trying to reduce my monthly payments I was guided towards forbearance which I was told would not accrue interest due to my circumstances at the time. My monthly payment want up from under 500 a month to nearly 700 a month.
XXXX credit card on my report is not mine. The account is my ex-husband 's and I had no legal responsibility to this credit card. He has paid the credit card with a agreed upon settlement amount however this card is showing on my credit report. I have made several unsuccessful attempts to resolve this, XXXX has repeatedly told me that I am not responsible but wo n't provide me with a letter or promise to remove the negative info. They state that they are not trying to collect the debt from me and it is a closed matter, however it is reflecting negatively on my report. Please help me resolve this matter.
Fraudulent loans was opened using my identifying information and I contacted the companies and credit reporting agencies with disputes also I and sent FTC and police reports to companies and credit reporting agencies as requested and I'm still having the same issues.
XXXX XXXX, XXXX has been trying to collect a couple of debts that was originally from XXXX XXXX. I have been disputing these claims since the very beginning, and there should be record of most of my communications with them. The communication started through XXXX XXXX, and then I continued communication on my own behalf. I also have been disputing the information directly with the credit bureaus, XXXX XXXX 

I believe the debt amount they are trying to collect and report on my credit report are inaccurate and in violation of the Fair Credit Reporting Act. 

The first account is from XXXX XXXX / XXXX and the amount MidLand started reporting was for {$1300.00}. MidLand started reporting this on XX/XX/XXXX, according to my XXXX XXXX account. The very last correspondence I received from the original creditor before it was handed off to MidLand was an account statement on XX/XX/XXXX and the account balance reported to me was {$1300.00}. As of today, XX/XX/XXXX, the amount MidLand is reporting is {$1400.00}. A huge difference, and I do not see how this balance keeps changing. This is not the first time they have changed the balance of my accounts. 

The second account is from XXXX and was an XXXX XXXX card and the amount MidLand started reporting was for {$880.00}. MidLand started reporting this on XX/XX/XXXX, according to my XXXX XXXX account. The very last correspondence I received from the original creditor before it was handed off to MidLand was an account statement on XX/XX/XXXX and the account balance reported to me was {$690.00}. As of today, XX/XX/XXXX, the amount MidLand is reporting is {$990.00}. A huge difference, and I do not see how this balance keeps changing. This is not the first time they have changed the balance of my accounts. 

The bigger issue here, however, is when I contacted XXXX XXXX, on XX/XX/XXXX at XXXX, directly to try and confirm that the balance being reported by MidLand was accurate, they told me that they do not have access to my files anymore since they sold it to MidLand . This is an IMMEDIATE red flag. I have been challenging a lot of other misreported information on my credit report and all the other companies were able to provide me with requested information. What company would not keep records of their own debts? Even if the debt has been sold to a debt collector? 

XXXX told me that I have to contact MidLand directly to get my balance and confirm any amounts. RED FLAG. This sounds like a CONFLICT OF INTEREST to me. How am I supposed to expect to receive fair and accurate information, from a 3rd party company, that I believe is trying to collect an inaccurate amount, that is MORE than the original debt owed to the original creditor? The company that has financial motive and the company that would PROFIT by charging me a lot more than the original debt in which they probably bought for pennies on the dollar from XXXX XXXX! 

I do not see how this can be fair and I do not see how this information can be properly verified now. I would love for XXXX, XXXX, and XXXX to investigate the issue at hand with XXXX XXXX, XXXX.
I have never experienced a bank that " pends '' cash deposits. I made a cash deposit into my bank ( TD Bank ). The cash deposit took a day to clear. I then had a {$1500.00} check returned over a {$1.00}, although the cash deposit of {$100.00} was pending.
False information was provided about loan product, rates and terms. According to the loan origination officer, the title company alleges that collateral is in trust, which is not on record with the county deeds.
Att : XXXX XXXX am not sure if the CFPA is the agency that I should be writing to but here is my story. 
I live in a XXXX bedroom in XXXX California with a normal mortgage, back in XXXXthere area where my home was located flooded. We had about XXXX inches of waterin XXXX rooms. 
The city of XXXX elected to designate this portion of the city as a flood zone. 
This in turn required me to take out flood insurance at about {$1000.00} a year since 1982. 
I have been paying this over the last XXXX years or {$33000.00}. 
Needless to say we have never had another flood. 
I have tried relentlessly to find out how I could get out of this insurance to no avail as thecity has stated that this is a flood zone and the mortgage company has required that I have flood insurance. 
I have tried to contact the XXXX XXXX XXXX XXXX over the years and all of my letters have just fallen on deaf ears. 
I saw an article in XXXX XXXX regarding CFPA and thought I would write to you to see if there is anything you can do to recover any monies that I had paid to the XXXX. 
I am XXXX and on a fixed income. 
Thank you in advance and and if there is any thing you can do, it will be greately appreciated.
capital one is my favority bank i feel deceived no scripts in the response. but i asked on XXXX for 3 months to pay it without interest i am being given scripts.no no no refunds and while this bank has refunded the fees it has resulted in increased business from me as a result. now i am getting stonewalled so i am not using ctedit cards at all my 3 accounts. I am loyal i know you hvae been loyal but now i am being stonewalled. with scripts. i use the card due to loyalty. y advice get to know your customers better. i cant use my cards now. i am responsile i know interest is valid but after 12 years you cant help me but a new customer ok then i will go elsewhere. FINANCIAL industry get to know your customers better.