WillisBack/dataset-financial-user-claim huggingface dataset:
I mailed a certified letter to XXXX XXXX starting XXXX/XXXX/XXXX with the following information : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you. The debt was stated to belong to MCCarthy, Burgess & Wolff. I sent another letter requesting validation of the debt and received nothing that provided valid proof that the debt was mine. The debt amount is said to be {$2700.00}.
This complaint is in response to your recent claim that XXXX XXXX XXXX, has verified that the account they are reporting under my name is accurate. I re-disputed this account via CFPB on XX/XX/XXXX. In the complaint I mentioned that the company is reporting inaccurate address and contact information on my credit report. I sent this company two letters dated XX/XX/XXXX and XX/XX/XXXX. Each time the letters were undeliverable due to incorrect address. Per my dispute on XX/XX/XXXX I asked for this account to be deleted, this account is inaccurate and clearly unverifiable. 
Per your response Per your request to conduct a reinvestigation, we contacted the data furnishers to verify the accuracy of the information with which you disagree. The data furnishers verified the information accurate as reported and a result summary was forwarded to you most recently on XX/XX/XXXX, and XX/XX/XXXX. If you have any additional supporting new documentation regarding the disputed information, you may forward that to Experian for further review. This is clearly false because you DID NOT contact the company, you DID NOT mark the account disputed and you only provided dispute results from XXXX. My rights under the fair reporting credit act says that Im able to dispute an account. You verified this account allegedly without conducting a NEW investigation. I will not accept a dispute from XXXX as my investigation. 
Based on this response Im requesting the description of the procedure used to determine the accuracy and completeness of the information, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
I submitted new profit & Losses and loan mod documents again in XX/XX/XXXX though attorney. Told today by SPS that nothing was provided to them so they closed my account permanently for any review of a loan modification in the future. I complained to CFPB & was told by SPS that the foreclosure was postponed for me to submit new docs for review in XX/XX/XXXX which I did through my account online with SPS & I was emailed document received from SPS stating XX/XX/XXXX they had them.Today XX/XX/XXXX I was told by SPS that they never looked at any of the new loan modifications in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX nor again in XXXX even though I was told that they were reviewing them. SPS also knew that by adding fees & interest to my loan totaling {$39000.00} that the home value would not appraise with the previous mortgage broker who was also trying to refinance the property with my husband on the loan this time. The Relationship manger I just spoke to the 2nd time today said they would rather foreclose on me and have me file bankruptcy to stop the sale date of XX/XX/XXXX at XXXX XXXX on the property a few days before XX/XX/XXXX. My income has increased and I'm willing to take on the debt of the home as it stands now SPS would end up taking us to evictions court and paying cash for keys. I filed BK in XX/XX/XXXX and the house was put in it because they refused to honor a proposed trail loan mod from XX/XX/XXXX that I couldn't pay until we got an IRS Levy released that was put on us mistakenly by a new IRS Agent who was not qualified for her job and ended up being fired for the hardship she caused my family by placing levies on our bank account, my two jobs, my husbands we had to go on food stamps until my parents loaned us money to get Attorney XXXX XXXX to step in and demand that the IRS release our funds back to us. If the FC goes through on XX/XX/XXXX it will not go on my credit but all the time and effort and our home will be gone unless I waste money to go file BK just to make SPS give me a loan mod I know they way they do them now that my income is enough to qualify. They have been saying since XX/XX/XXXX that I'm missing documents or that they never received them. I uploaded them to their website under my account and I can log on and see them still and I also have all the emails where they send you a verification that documents have been received. This company doesn't even want to try they tell CFPB one thing and actually do nothing. DO NOT REPLY - Select Portfolio Servicing, Inc. ( SPS ) XXXX has received your request via email. *** ( This email address is for the receipt of communications only. You will not receive a reply via email. All responses will be sent in writing by U.S. mail or a return phone call from SPS. If you have any questions or concerns please contact us at ( XXXX ) XXXX. Representatives are available XXXX-XXXX XXXX Monday through Thursday, XXXX-XXXX XXXX on Friday and XXXX-XXXX XXXX on Saturday, Mountain Time. You may also visit our website : www.spservicing.com. This message has been sent automatically. Please do not reply. )
Have contacted all XXXX reporting agencies on an XXXX XXXX issue where the account was settled in XXXX 2011. Part of the settlement, which they agreed to, was that they would not report negative information on my credit file. The Cause No was XXXX. Have provided this documentation to the reporting agencies and yet they continue to report negative information on my file.
Based on all the news about the lawsuits against Navient, I 'd thought I 'd make a formal complaint that seems to be in line with the lawsuits. I 'm actually speaking on behalf of my wife, but I 've thought for years the way Navient collects and distributes my wife 's payments to her loans has been suspect. I believe they have falsely or deliberately delayed the payment we sent a day later in order to accrue an extra day 's worth of interest when I send two payments on the same day ( one payment being for what is owed via the IBR plan and additional payment to decrease the principal ), they never both hit the loan on the same day. I 'm sure there 's other issues I 'm missing too, but we have been trying to pay more than what the plan calls for to try to pay off the loan faster, and it never seems to make any dent in the total loan amount. This would most definitely be the case if Navient is indeed trying to swindle us and not credit our payments to them in timely and ethical matter.
I have already filed a complaint once before and they responded with a ridiculous excuse. They have done it again. I am being charged NSF 's for transactions that should have cleared ACCORDING TO WHAT I see on my end. When I log on to my account and see a balance available then i expect my transactions to clear as long as I am seeing there is enough to cover the debts. BUT they continue to hold back transactions and push through they ones they choose to. I can not believe this is not regulated by some sort of agency. Banks are continuing to fraudulently take peoples money and justify it by using some sort of authoritative source saying it is their policy but not really what they are doing! This has got to stop! I am not going to let this go. I want my NSF 's back. I know what is going on. I print my bank statement daily and they tell me the balance THEY see on their end with PENDING transactions is different than what i see and even though the transactions are pending - with the possibility to drop off or be reversed, they deduct that money " on their end '' and therefore any legit posting transactions are returned NSF during that time. I can not believe this bank is allowed to get away with this.
I have tried to settle this before. I am XXXX and on SSI. I am being harrassed and even was told that I could be arrested for not paying a debt. I dont want to go to jail for money I dont have.My credit is bad because of this and I told the creditors that I was on SSI but they still destroyed by credit.
During this default period where I had been out of work and hospitalized I fell behind on my payments. I corresponded with the mortgage company informing them of my hardship. Most recently my employer put in an application for me to medically retire. My intention was to begin making payments until this happened but I couldnt because I was waiting for additional income to go through which is a process and I have been making Home repairs. I explained to my mortgage company this sudden decision forcing me out of work. They have since referred me to an attorney who filed a motion with the court for foreclosure and now Im currently in a modification process. Im in an Underwater Loan for my house. Ive asked that they lower the amount owed on this house and they havent. The house next to me just sold for {$20000.00} and my mortgage company has a balance of {$160000.00} which is owed.XXXX XXXX XXXX also has a lawsuit that was filed against them last year for putting customers into foreclosure and denying them modifications. Ive lived in my house for 39 years, have had setbacks and even sent in my medical documentation in hopes of a foreberance to take my Home out of foreclosure. The law firm that they are using has improperly submitted paperwork listing this lady as a Lein holder when that child support debt to her has been paid XXXX years ago.
I authorized Portfolio Recovery Associates to withdraw XXXX from my account monthly to pay on a closed XXXX. Instead, they took out XXXX. They did not have an answer when I called and asked why it happened.
XXXX XXXX signed up for automatic payments on XXXX XXXX, XXXX, to have the minimum amount due paid by the monthly billing statement due date to be taken from his checking accounts. Boa dishonors this promise. XXXX sought compel boa to honor this automatic deduction or forfeit fee.
Citibank put a hold on the bank account without notice and said that the address on file was a Post Office or Post Office Box. This is not true. Citibank has returned items and the account has over {$12000.00} in it. No one is helping release the hold. The account has been opened for XXXX years.
I have an open account with XXXX XXXX, # XXXX. I have a XXXX balance, per the attached documents. Experian refuses to XXXX out the same. I am asking the balance be reported as XXXX.
I have been trying to get a copy of my free annual consumer report from equifax and am unable to do so because  XXXX  only has automated options there is no option to talk to a  XXXX  rep at all very frustrating
I have an issue with my Barclay credit card where, there were some unauthorized charges to the credit card which have been place under review/dispute. Unfortunately these charges created late fees and interest charges that are not been accredited to the credit Card while the dispute is going on. I am afraid that such action by the bank will cause my credit payment history to be impacted and that I will inquire in more late and interest charges as time goes on. 
I have communicated my concern with the Bank and they have advice me to pay all interest and late fee charges as they would not be able to control whats been reported to the credit bureau and waive any additional fees. The bank also ensures that when the investigation is over that they will credit my account with all the fees but would not be able to update the credit report ( meaning the late payments will show in my credit report as valid. ). 
I believe that if there are unauthorized charges to the account and the bank starts an investigation they should not charge late fees or interest charges on the charges in dispute.
defamation of character. 
ftc violation transunion took of a loan and put it back on the XXXX lease also XXXX has done nothing to try to help
Before I applied for this loan, it was advertised that if I log into the mobile app everyday that I will not be charged a membership fee. It says thats the fee is usually {$29.00} a month but for logging in everyday the fee will me {$0.00} a month. After contacting customer service, I was told another story that was never explained before accepting this me loan. Once I reached out, I was told that I would be charged my loan payment every pay date and then a {$36.00} membership fee that will apply {$50.00} a month to my investment account, leaving the remaining {$29.00} to go towards my membership fee but logging into the app each day actually just makes it so that a dollar a day goes towards that same investment account instead of me paying {$0.00} for a membership fee as it advertised. I would have never known this information if I never reached out to the company about this so I feel as though this was very deceptive. I was told that there was nothing they could do because since I have the loan Im obligated to pay these fees until the loan is paid in full but I would have never agreed to this loan if I had the correct details in the first place. I have the screenshots that show how the loan is actually advertised but nowhere does it break down the actual process of the loan and the fees the way the agent I spoke with broke it down to me. It literally just says the membership fee is {$0.00} a month if you log in to the account every day, which I did. Ive never felt so deceived by a loan company in my life and even when speaking with the agent that explained it to me, he also agreed with me that the website does not accurately explain the way the loan really works so to me it seems like a very shady way to get people to get stuck into the the loan and have these fees come out of their checking accounts every single paycheck, thinking that the process would be different.
This company Astra Recovery is starting up there illegal tactics again calling and harassing me, my job and now my mother. I keep going through this with them and they keep stating there not contacting me, but this time they are and I have witnesses that is willing to provide a written statement and get it notarized if necessary along with there statements on how this company is portraying themselves as lawyers getting ready to sue me in the court of law.
I purchased XXXX items from XXXX for the amount of XXXX and XXXX as a result, the XXXX was for car parts which i was missing some parts which were XXXX and the shoes were for XXXX which were defective i opened up a dispute with the merchant it was denied i opened up the dispute with my bank adp as a result im very upset and un happy with the outcome im just asking for my refund which clearly no one is willing to do so! Adp should be embarrassed and ashamed to do their customers this way! Its a big mess with these XXXX transactions ive been giving the run around for a month straight lie after lie
I keep getting repeated calls for someone I do n't know. I 'm receiving at least two calls a day or more. I 've informed them that it 's the wrong number but they still keep calling. This has been going on for about 40 days.
I have called numerous times, and sent a letter to XXXX XXXX XXXX, some company named XXXX XXXX XXXX, and XXXX Bank, requesting they send proof of account ownership or a signature card with my signature on it. After repeated attempts at calls made, a letter was sent XX/XX/2016 to each institution, I received a response letter from the Office of the Comptroller of the Currency dated XX/XX/2016 stating they had forwarded my complaint to your agency. I have made several attempts to have these XXXX accounts with the institutions listed above to remove derogatory information being reported continually on my credit report without any success. I have correspondence from XXXX stating they have declined any further action for the past three years, however it still remains on my report as currently in default, and subsequently negative. I would like assistance with addressing these accounts as listed above as soon as possible. Thank you for your help in getting this problem resolved!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Mr. XXXX XXXX Chief Executive Officer Bank of America Corporate Office XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XX/XX/2018 Dear Mr. XXXX, This letter is to inform you that we, my family and I, are having a very unsettling experience with our Bank of America accounts. Our experience is not a single event, nor a personnel issue, nor an issue of miscommunication. It is an experience of fraudulent activities, malfeasance, poor corporate systems and lack of management accountability to customers. Please note that our experiences charge Bank of America with : Unauthorized asset transfers and account openings and closings Non-disclosure of unauthorized transfers by Bank of America personnel Blatant disregard of customers directions and instructions for all account activities Violations of fiduciary and ethical responsibilities Mismanagement of personnel accountabilities Biased review of complaints to favor Bank of America personnel versus the truth No authorization of transfer of money, opening nor closing accounts Fraudulent written authorization for transfer of money, opening and closing of accounts. We are inherently disappointed by the Bank of America employees who have dismissed our protests of  unauthorized transfers of money as misunderstandings. It is imperative for you to know that while we discovered fraudulent activities on our accounts, other customers who could be your family or friends, may not be as diligent. The fiduciary duty of Bank of America failed us and may be deceiving others.
I live in Virginia and applied for a online loan. I have come across information that XXXX is not legal in Virginia. XXXX keeps taking funds from my checkings and causing overdraft fees. I am more than willing to pay them what I owe. But, at 149.81 % it is impossible to do so. I borrowed {$1200.00} from XXXX and my payment was supposed to be {$79.00} a month. XXXX is taking that amount from my checkings sometimes, 2 to 4 payments in one month. I have been late one time and XXXX  has made me pay dearly. I have contacted XXXX  about the matter and they refuse to work with me.
AFNI is attempting to collect debt from XXXX XXXX XXXX in which I never received notice and do not owe this debt. There is no account in for this debt besides incorrect address and it is supposedly from 2013 for the amount of {$720.00}. I called the collection agency and they will place in dispute. I am trying to purchase home and it seems like I am actively being targeted for old nonexistent bills.
There is an item on my ( XXXX XXXX ) and my wife 's ( XXXX XXXX ) clue report. This item occurs XX/XX/XXXX : Two seperate accidents reported on both reports itemPer Law,  Lexis Nexus had thirty days to respond to my initial dispute that occurred on XXXX ( case XXXX ) and failed to comply. I called to initiate the dispute XXXX. I then called seeking resolution on Monday XXXX XXXX. I was notified the dispute was open and I could call on Friday as Lexis Nexis had until Thursday to respond. I called back on Friday XXXX XXXX and was told the dispute was closed but there had been no resolution letter or response generated. They would have an individual call me once they figured out what occured and provide resolution. I did n't recieve a call back. On Monday XXXX XXXX I called again and spoke with XXXX who again told me there was no resolution letter generated and confirmed the 30 days had passed. I requested all of my data in question to be deleted per law. She stated she would call me back. After recieving a missed call about two hours later, I called back and spoke with XXXX on XXXX XXXX and was told a resolution letter was now generated and it was read to me. He stated it would be mailed and emailed out to me. As of XXXX XXXX I have not received anything from Lexis Nexis. Per law the items in question must be removed from my clue report as it took longer then what than the allowed time to respond. I have recordings of conversations and documents that substantiate my claim.
On, XX/XX/2019 I requested debt validation ( letter attached ) then responded with a generic letter not addressing any request ( attached )
I HAVE DISPUTED CERTAIN ITEMS ON MY CREDIT REPORT WITH EXPERIAN. I WAS TOLD THAT THEY HAVE THE RIGHT TO THEIR OWN DECISIONS AND WHAT MAKE MY WORD ANY GOOD. I ASK HOW DID THEY VERIFY THE VALDIATE OF THE BILL AND WAS TOLD THAT THEY DONT HAVE TO TELL ME NOTHING WHEN I ASK FOR A SUPERVISOR I WAS TOLD THAT THE ALL SUPERVISORS WERE IN A ALL DAY MEETING AND WILL CALL ME BACK WHICH THEY HAVENT. I ASK THE AGENT ON THE PHONE HIS NAME AND ID NUMBER SO I CAN REFER THIS CALL BACK TO HIM I WAS TOLD IT IS AGAINST THE LAW TO GIVE ME THAT INFORMATION. EVERY TIME I CALL THIS COMPANY I GET DIFFERENT DATES WHEN THIS DEBT IS TO FALL OFF OF MY CREDIT. THIS BILL IS OVER 10 YEARS OLD AND I TOLD EXPERIAN THAT THE COMPANY IS FALSIFYING THE DATES SO THEY CAN CONTINUE TO STAY ON MY CREDIT. I WAS TOLD THAT IT IS NOTHING THAT CAN BE DONE. i TOLD THEM THIS COMPANY XXXX IS A FRAUD AND THEY KEEP SELLING THIS BILL TO EACH OTHER.
XXXX XXXX ( XXXX ) has been contacting 3rd parties regarding an old debt with The Cash Store and stating that there is a civil case against me and that my attorney needs to contact them. They continued contacting 3rd parties even after they confirmed my contact information. They also do not identify themselves as a collection company and claim to be lawyers processing a " claim against your social security number ''. When asked they refuse to provide a mailing address for me to request debt validation or to send a C & D.
I saw a collection on my credit report by Conserve. I had already paid my school what I owned them. When contacting them on XX/XX/XXXX I informed them and they refused to remove it from my report. I informed them they were reporting it a debt paid and they did not collect the debt. I asked both the person who answered as well as the manager. Did you collect the debt? She just have a contract with the school. I asked again You have this on my credit report as paid to you. Did you collect the debt? Same answer this time she was being an XXXX and goes " Did I collect the debt personally ''. Also their letter they send out to people has a XXXX number. Basically on purpose forcing someone to call their XXXX area code number. I contacted the school and they even cleared the debt so there is no debt for this XXXX company to collect not can they legally report it on any of my three credit bureaus. 

Trying to select ConServe is says do not use.. The company I am is ConServe aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX @ XXXX