WillisBack/dataset-financial-user-claim huggingface dataset:
Failure of in document preparation. 
Statements mailed to the wrong address and never received since XXXX 2015. 
The fact that the borrower has dealt the XXXX different entities and XXXX different employees in an attempt to resolve payment, billing and mailing issues is troubling. The fact that payments were returned on XXXX XXXX, 2015 as " unable to process '', stating " the property is now in foreclosure '' is alarming. The borrower has been bounced around between representatives of XXXX, Athas, XXXX and now XXXX XXXX XXXX. 
The borrower has attempted to resolve servicing issues with the following employees from XXXX, XXXX, XXXX and XXXX XXXX XXXX : XXXX - XXXX XXXX - AthasXXXX XXXX - AthasXXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX was finalized in XXXX 2015 based on the XXXX XXXX, 2015 loan application, Initial_Disclosure_XXXX ( attached ). The final loan document was prepared with an incorrect mailing address then passed to XXXX XXXX XXXX for servicing. 
In a XXXX page letter dated XXXX XXXX, 2015 ( attached jpg files ), XXXX people were referenced for more information and resolution to the foreclosure. XXXX XXXX of XXXX XXXX XXXX and XXXX XXXX of XXXX Foreclosure Department, I learned yesterday, ( XXXX/XXXX/2015 ) that neither woman had knowledge of the letter, XXXX XXXX was emailed a copy of the letter yesterday ( XXXX/XXXX/2015 ) and has promised to get back to me with more information. The borrower first contacted XXXX XXXX six days ago ( XXXX/XXXX/2015 ), I learned yesterday that XXXX XXXX actually works for XXXX XXXX at XXXX, not XXXX XXXX XXXX as stated in the letter. Further, the correspondence was mailed to the wrong city and took XXXX days to arrive ( XXXX/XXXX/2015 ) at the correct address. Just as the statements were mailed to the wrong city and never arrived. This is no way to do business.
When speaking to a representative within the company during the after purchase of the vehicle it was deemed we were sold a lemon vehicle. The vehicle after one month which was XX/XX/XXXX of owning the vehicle electrical system went out in the vehicle and the car locked anyone out from usage. Secondly once reaching out to the company they told us it was our own problem and that it wasn't covered under warranty, so we got that fixed once fixed the car transmission began going out as well as the engine in the car began giving problems. One time the car shut itself off during a drive and could not be started. This occurredXX/XX/XXXX and when reaching out to the company every time was told its not their problem or fault in fact that they will get their money regardless. On XX/XX/XXXX Was the final incident with the car when it would not start and the entire system locked itself out, we had been having issues over and over with the vehicle with warranties and the company just does not seem to help. The vehicle carried flood damage as well as it carried previous accident problems that was not informed and brought to us. The vehicle was still covered under warranty and still was not offered assistance and the finance company refused to help. When giving the car back not only did the company resale the car for over market value, we were not informed of the sale until a month later which it carried a balance they reported to the credit bureau that we were late. The remaining balance should not be due to the fact the company used the Gap insurance and sold the vehicle well over value, but still wants to collect when there is no need to. We will never do business with credit acceptance again.
This complaint is to inform you that I recently viewed my credit report and noticed a collections account from Trident Asset Management on my credit report. I have n't been notified of this collection. On XXXX XXXX, 2017, I sent a certified, return receipt, Debt Validation letter to Trident Asset Management. I advised them that I recently viewed my credit report and noticed a collections account from their company and I have n't been notified of this collection. I stated that this did not imply that I refused to pay this alleged debt. Rather, I would like to dispute their claim. As per the FDCPA, I have the right to request a validation of this debt. I requested for them to prove that I am indeed the party who is by contract obligated to pay off this debt. Reporting any invalidated information to major credit bureaus may constitute defamation of character as a negative listing on my credit report does not allow me to enjoy the benefits of good credit. Non compliance of this request Is likely to put their company in serious legal trouble with the Federal Trade Company ( FTC ) and other statewide agencies. 

I requested that they send me the following documents : 1. ) Agreement with their client that authorize them to collect on this alleged debt. 
2. ) Agreement that bears signature of the allege debtor wherein promises to pay the creditor. 
3. ) Complete payment history on this account to prove that the debt amount they wish to collect is correct. 


I receive a letter from them dated XX/XX/17 advising that I have 30 days to dispute the validity of the debt. The following week, I received a copy of an old XXXX bill from Trident Asset Assessment. An old bill does n't validate and/or prove that this alleged debt is mine. I 've since sent a method of validation letter to the credit bureaus. I 've requesting the information used to " validate '' this alleged debt as a copy of a bill does NOT validate a debt. 

Under the FCRA 15 U.S.C. 1681i, all invalidated accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the validated proof then they must remove these accounts from my credit report.
I am a XXXX in the XXXX XXXX XXXX XXXX. My XXXX, the XXXX XXXX XXXX in XXXX FL had a military XXXX at XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, FL. I was ordered to stay at XXXX XXXX XXXX XXXX under a program called XXXX XXXX XXXX ( XXXX ). Under the XXXX XXXX XXXX program the XXXX pays for a group of hotels under a contract with the Hotel. Nothing should be charged to the individual Soldier. I should not have had to pay for my room at all since it was supposed to be paid using the government contract under the XXXX program. I arrived at XXXX XXXX 's in XXXX XXXX and was told I could not get the room without presenting a credit card " to be used for incidentals only. '' The person at the front desk assured me the Government Travel Card I presented would not be used for the room as it was covered under the XXXX contract. The stay occurred on or around XX/XX/2017 On my next bill I was charged {$470.00} for the room and I did not incur any incidentals. I immediately disputed the charges with the bank by phone and sent a certified letter return receipt as a follow up and contacted XXXX at XXXX XXXX 's who agreed the charge should be taken off my Government Travel Card ( GTC ) as the XXXX contract should have paid for the room. XXXX was going to remove the charge from my GTC and charge the room to the XXXX contract. The charge was never removed from the GTC. Instead Citibank sent me a letter stating they are " unable to assist me '' since my card " has not been lost or stolen '' and " my correspondence was received after the requested response date ''. However, the certified letter I sent was timely sent. Numerous calls to Citibank and XXXX XXXX 's have been unsuccessful. I get the impression from Citibank that they are not concerned with disputing an illegal charge and are not interested in helping me whatsoever because they know that my XXXX has to report GTC delinquencies and there is an intense amount of pressure to pay the charges on the card. However, I never authorized the purchases put on my card. Citibank seems unable and unwilling to comprehend this.
XX/XX/XXXX I contacted Plaza Home Mortgage to ask for a payment deferral as I had lost my job. Plaza indicated that payment deferral was a loss mitigation option that they offered. On XXXX/XXXX/16 I submitted a loss mitigation application which kicked off a 1 & 1/2 month vortex of Plaza claiming I did not send them various documents and me trying to get them what they needed. It was so frustrating that I filed a CFPB complaint XX/XX/XXXX because it appeared that XXXX was either very incompetent or just giving me the runaround. Nothing became of that CFPB complaint. Finally, on XXXX XXXX I was notified that my file was complete and submitted for review. On XXXX XXXX, I was notified that our loan was selected for servicing transfer and that we would need to contact the new servicer for any information. We contacted the new servicer and they stated that : 1 ) Payment deferral is not an option 2 ) They do not have all of our documentation transferred from Plaza. 
I find it highly suspect that within a week of my file being deemed complete that I get transferred to another servicer who does not offer the loss mitigation solution that we had been assured was an option. I also find it infuriating that they do not have all of our documentation. Finally, I find it very suspect that my loan got transferred after I filed a CFPB complaint against them.
I am showing 2 collections accounts on my credit report from the same creditor, which is a mistake. First the debt is not mind and I have fought with this company so many times over the past year. I have never received any Proof that this debt is my. Proof is my signature. I have asked several times through certified letters beginning on XX/XX/2017. I am showing XXXX XXXX via original creditor CAPITAL ONE BANK USA with a balance of {$760.00}. Also, I am showing XXXX XXXX XXXX via original creditor CAPITAL ONE with a balance of {$850.00}. I need this corrected immediately. I do not have a debt with this creditor and it is the responsibility of the credit bureau to validate the information that is reported on my credit report.
I have 30 day late payments on my credit report and have tried to dispute it but. I keep getting blown off. I sent the first letter requesting back up for the bad information that was on my report and waited 30 days no reply then I sent a second registered letter waited anouther 30 days for a response they sent me some letters that had nothing to do with what I asked for. they ca n't do what ever they want they need to abide and required by law, under the FCRA, to have properly verified the accuracy of an account listed on my credit report. they recently replied and said in the results of your first re-investigation, that you verified that these items are being reported correctly.
formally requesting the following : 1 ) Where are the documents that you used to verify these accounts?
2 ) What is the name of the person in your company who verified these accounts?
3 ) What documents did they use to verify them?
4 ) Please provide me with the name of that individual, their business address, and telephone number.
no responce
I booked a hotel room online with XXXX on XXXX/XXXX/16. I went into the hotel and was told I did not have a reservation and that the hotel was booked. I called XXXX 2 times that day and could not get through because of call volume. I called Elan XXXX and was told to try again. I called XXXX on XXXX/XXXX/16 and no one answered. I called XXXX and told them. On XXXX/XXXX/16 I disputed the charge. 
On XXXX/XXXX/16 I received an email from XXXX apologizing so I thought the matter was settled.I received a letter from XXXX on XXXX/XXXX/16 telling me they were charging me back. On XXXX/XXXX/16 I sent more information to XXXX and called to verify that they had received my fax and would reopen my case. I called XXXX on XXXX/XXXX/16 and was told by XXXX at claim support that he would fax me a letter to fill out and that is why I have not seen the credit on my bill. I would receive the letter by fax or mail by the following Wednesday. I called on XXXX/XXXX/16 and talked to XXXX at claim support and she did n't know why I was told that. She was sending a note to my case worker.to reopen the case.on XXXX/XXXX/16 I called and request that they reopen my case. I talked to XXXX. I called on XXXX/XXXX/16 because the charge was still on my bill this time I was told by XXXX the Specialist supervisor that the time has expired and nothing can be done.Sorry! This is my XXXX company that I have had for years. They were not helpful at all. Clearly I would not have booked another hotel that was more expensive on the same date. I should n't be held responsibe because XXXX and XXXX made it impossible to get in touch with them.
XXXX XXXX XXXX XXXX -Collection agency for XXXX XXXX XXXX XXXX 
This debt should not have been sent to collections as my Insurance XXXX XXXX XXXX XXXX paid this claim for the maximum benefit and that made the balance due {$0.00}. 
I have requested that Experian remove this collection account through disputes numerous times and they have failed to, even though I have provided proof from XXXX XXXX that the original bill was paid. 
I would like Experian to please remove this Collection account from my report. 
I am attaching the letter dated XXXX/XXXX/12 listing the amounts they paid to XXXX and that they have paid out the maximum amount.
Hello, This note is regarding my attempts to collect payment from either Bank of the Ozarks, or XXXX XXXX XXXXXXXX XXXX   in the amount of XXXX . I am attempting to collect a refund because payments were made to closed accounts for a period of 6 months. The accounts in question had services and ownership transferred on XX/XX/ and 6 payments in the amount of XXXX $ were paid after that time. To summarize : 1. Bank of the Ozarks was the lienholder of my car note and provided loan servicing prior to XX/XX/. Automatic Bill Pay from my XXXX XXXX Checking account was set up with Bank of the Ozarks prior to the transfer of the loan servicing on this date. 

2. According to a Bank of the Ozarks internal memo ( attached ), servicing on the loan was transferred to XXXX XXXX XXXX, XXXX. on XX/XX/. XXXX XXXX XXXX, acquired by Bank of the Ozarks through merger, maintained the lien according to the attached memo. I was never made aware of this transfer of loan servicing prior to collections call from XXXX XXXX XXXX in mid-XXXX. I proceeded to make the monthly payment to Bank of the Ozarks. 

3. After the collection call from XXXX XXXX XXXX, I grew frustrated with the fact that my loan servicing had been transferred multiple times in the past two years. I requested refinancing of the vehicle through XXXX XXXX XXXX XXXX on XX/XX/. XXXX XXXX check to purchase the lien was cashed on XX/XX/. The lien was transferred in XXXX to my understanding. 

4. Through an oversight of my own, automatic payments were still made to Bank of the Ozarks from XXXX to XXXX. I cancelled the automatic bill pay in XXXX upon learning of this discrepancy. 

5. In XXXX, I began attempts to collect the funds that were paid into the closed account. I was told on the phone by Bank of the Ozarks customer service that the funds were forwarded to XXXX XXXX XXXX. Over the course of the following weeks, I was told via phone by XXXX XXXX XXXX ( XXXX ) that they did not have me in their system. On one occasion in mid-XXXX, one person at XXXX finally stated that a check would be issued to me and would arrive the next week. That check was never received despite me confirming my address on that call. 

6. Today, I once again was told via a phone call with a XXXX representative that they would request authorization to refund the amount to me. Due to the history in this case, I feel I have reason to doubt that this will occur. However, it also concerns me that Bank of the Ozarks has been unable to produce documentation of fund transfer to XXXX despite my requests to provide such evidence. 

It is my belief that Bank of the Ozarks has cashed my checks into an account that they knew was closed. It makes no sense to me why they would forward funds to a third-party agency, when Bank of the Ozarks held the lien, either directly or through an acquired bank, during this period. I seek a refund of these payments in the amount of XXXX. I seek this payment from either Bank of the Ozarks, or XXXX XXXX XXXX. 

Thank you.
After reviewing my credit report ( s ), I was surprised that XXXX was reporting an alleged debt with XXXX, which I had previously disputed with First National Collection Bureau ( " FNCB '' ) in XXXX XXXX. Attached you will find the telephone log that highlights two telephone calls made to FNCB, at XXXX, on XXXX XXXX, XXXX. During those calls, I disputed the alleged debt with XXXX ; however, in the second call, at XXXX, I specifically requested verification of the debt. After the person with whom I spoke became abusive and began to badger me about the reason for my request, it became evident that such information did not exist. I was told that the account would be closed and I would no longer receive further communications. To this date, I have not received any further communications and wrongly assumed that this debt had been removed from my credit report ( s ). I have attached a screenshot of my XXXX XXXX account, which supports my assertions regarding First National Collection Bureau.
I sent in a dispute letters to Ally Finacial originally on XX/XX/2016 by USPS which they signed for it on XX/XX/2016 to dispute a account that was showing up on my credit report. They DID NOT send a response letter to me until XX/XX/2016 which the letter was dated XX/XX/2016 AFTER the 30 days time frame they had to respond. Also they DID NOT mark ANY of the credit bureaus disputed. That was after the 30 days time frame they had to contact me back in reference of my dispute. I sent them a second letter on XX/XX/2016 which was signed for on XX/XX/XXXX informing them that they had broken the federal law b/c they had 30 days to respond back and they responded back AFTER 30 days. I requested that by Federal Law they have to remove the account off of my credit report. They responded back to me XX/XX/2016 once again with documents but still not marking my credit report and still DID NOT remove the account from the credit report even though once again it was after 30 days of them responding. I sent out a third letter on XX/XX/2016 and was signed for on XX/XX/2016 advising them that once again they had broken the federal law of having 30 days to respond and mark my credit report as disputed. I checked my credit today XX/XX/2016 and it is showing that my credit report was updated today and marked disputed but sent NO documents. They have continuously broken the law and would not comply by removing the account since they did not respond to me within the 30 day time frame. I need this company to completely remove this account off of my credit report b/c they have broken the Federal Law twice and still have not completely resolved my issue.
In process of filing for bankruptcy and they continue to call my work and my mom even after repeatedly telling them not to call and the situation with our bankruptcy. Today XXXX called my mother said not to call her again and then hung up. He called immediately back and said he was not going to remove her number and will keep calling. XXXX also continues to call my job even though I have told him multiple times I can not accept calls at work.
Have not recieved valid verification that this is my debt. I disputed this 2 months ago. This is not my debt
XXXX. XXXX XXXX Account # XXXX Collection for XXXX XXXX Bank XXXX {$720.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Bank Account # XXXX Charge off Past Due Amount {$570.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Account # XXXX Charge off Past due amount {$570.00} Fraudulent Account and Reported Twice XXXX XXXX XXXX Bank XXXX Submitted to Collection Amount {$750.00} Fraudulent Account Please Remove
XXXX   XXXX   XXXX   XXXX   {$680.00} Neither the collection agency or the bureau Experian has validated the debt.
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Under   XXXX   it says the account name is unknown the only thing that was close to matching the debt under Experian is the dollar amount and the incomplete account number and under   XXXX   the account name is   XXXX   XXXX   XXXX   limited again the only thing close to matching the debt under Experian is the dollar amount and the incomplete account number
Seterus has not explained and described in detail their fees or attempted to ever assist us in helping our mortgage. Seterus has ruined our lives and credit.
I purchased a home in XXXX and in XXXX I was having issues paying my mortgage due to an injury and they set me up on a trial modification program. I made the three months payments and was waiting to hear from them on what the next step was. In the meantime, I decided to sell my home. I received a statement of account from XXXX indicating that I owed {$150000.00} on XXXX XXXX, XXXX. I sold my home on XXXX XXXX, XXXX. The end of XXXX the loan was acquired by Fay Servicing. Myself and the title company handling the closing of my sale had issues getting a payoff from Fay Serviving and on the morning of the closing they finally sent over a payoff of {$200000.00} ( without an explanation as to why the amount was so high. I had no choice but to continue with the sale and closing. I had already rented an apartment and moved and the new buyers were moving into the home that day. I have tired to obtain a a statement of account to explain the difference of {$47000.00} from Fay Servicing and I have never received anything. I am told that it will be sent to me. I have even received letters from them saying that I am behind on my mortgage and they can assist me. This loan was paid off in XXXX, XXXX. I need some assistance in getting this money refunded to me. I recently learned about CFPB and was hoping you can help me with getting the money refunded. I am not able to afford an attorney to file a lawsuit against them.
charged off CHILD SUPPORT is still reporting on my credit report as a negative. It should be off my report
I received a letter in the mail on XX/XX/XXXX indicating that the interest rate on my Chase Freedom credit card would be increasing from 8.24 % to 13.24 % in XX/XX/XXXX. Given that I have held this account for over 10 years, with no missed payments, and holding an excellent credit score, I called and sent messages to dispute the increase and attempt to negotiate a lower increase to my APR. The Customer Service reps used several tactics to dismiss my request, including saying that it was too late to dispute the increase, that the changes are to align my APR with APRs currently being offered, that my interest rate is variable and periodically increases due to changes in the prime rate, and finally dismissing me by saying I do not have an option to dispute the rate increase ; I could either accept the increase or close my account. My responses to these dismissals were that I had just received the letter indicating the increase that day, so how was it too late for me to dispute the increase? Regarding aligning my account with current APRs being offered, I interpreted this as being penalized for being a long-standing customer. I indicated my understanding that my APR is variable, but that a 5 % increase was exorbitant. Prime rates have increased by approximately .75 % in the past year, so why is my interest rate increasing by 5 %?
We represent an elderly, isolated senior of limited financial means. On her behalf, we sent a letter to this creditor requesting no further contact of any kind. Although the creditor received this letter requesting no further communication ( as evidenced by the creditor now sending communications to our client at our address ), the creditor continues to send our client monthly statements. By continuing to communicate with our client after receiving her request for no further communication, the creditor is violating Section 805 ( c ) of the Fair Debt Collection Practices Act
XX/XX/2018, I sent correspondence to the bureaus regarding fraudulent accounts that are on my credit report. The fraudulent account is still listed on my credit report. Pursuant to Section 605B of the FCRA i would like to have this fraudulent item blocked.