WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB, I started working on the loan modification with Ditech on XXXX and they had rejected my request, then I went to apply the XXXX California XXXX Ditech is participating lender, on XXXX XXXX I got an email from XXXX requesting supporting documents and was due on XXXX XXXX 2016 and I submitted it on the XXXX. however on the XXXX, I received a letter dated on XXXX from XXXX saying " your loan servicer has not approved your loan for participation in the XXXX program. ''
I do not know where this credit is being charged for. I have never received services from this company.
In XX/XX/XXXX I took a loan out for approximately {$800.00}. To repay the loan I arranged to have payments of {$100.00} a month automatically deducted from my checking account. After some months had passed two payments did not clear. I then began being charged {$240.00} a month. The last payment taken out was in XX/XX/XXXX My checking account was then closed. On XX/XX/XXXX I received a notice from Oliphant Financial , LLC that the current balance due was {$3600.00}. I called the collection agent and told them that I have unemployed and living on minimal medical/general assistance since XXXX of XXXX. They offered my a payment arrangement of {$25.00} a month which would amount to one quarter of my entire monthly income. I replied that I would unable to pay that amount and would be seeking help moving forward with a resolution.
filed bk chapter XXXX Discharged XX/XX/16 case number XXXX
The car loan had to be transferred to my daughter but the financial company does not want to transfer documents so that my daughter can register the car in her name in another state
On XXXX XXXX, 2016 I contacted XXXX XXXX XXXX to purchase a 2016 XXXX XXXX Pickup Truck. The Finance Manager that took my credit application was XXXX XXXX. ( See Attached E-Mail with Information ) I told Finance Manager up front that I was a Victim of Identity Theft, had a 7 year Extended Fraud Alert on my Credit Bureau Reports, and no loan could be considered until I was personally contacted by any lenders. On XXXX XXXX, 2016 XXXX XXXX confirmed my Financing was approved from lender XXXX. I took delivery of vehicle on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received an Adverse Action Credit Notice from Gateway One Lending & Finance for a " Credit Denial ''. I was completely unaware they were a Lender that XXXX XXXX XXXX sent my Credit Application for consideration. I was NEVER contacted by a Gateway One Lending & Finance Loan Officer, and I was NEVER offered any credit under other terms from Gateway One Lending & Finance. I was contacted by ( 2 ) other lenders for my Credit Application. Both followed the rules pertaining to my 7 year Extended Fraud Alert on my Credit Bureau Reports with ( XXXX ) Major Credit Bureaus XXXX, XXXX, and XXXX. Neither of the other ( XXXX ) Lenders issued an Adverse Action Credit Notice. Gateway One Lending issued an Adverse Action Notice without compliance with Federal Law pertaining to the Federal Credit Opportunity Act.
XXXX XXXX XXXX XXXX continues to report judgements from XX/XX/XXXX and XX/XX/XXXX to all credit bureaus which violates the Fair Credit Reporting Act Sec. 1681c. ( 2 ) which states, " Suits and judgments which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. " This is illegal and I 'd like them to remove the XXXX judgements from my credit report. See attached documentation.
Re : Cavalry Portfolio Services, LLC Account # XXXX I sent a register letter to Cavalry Portfolio Services, LLC requesting validation of debt for their account # XXXX on XX/XX/XXXX. 
They failed to provide the information I requested. Instead, sent letter dated XX/XX/XXXX requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''. They also stated that they would write to me again in XXXX in regards to my dispute. 
After not hearing from them, a second registered letter on XX/XX/XXXX requesting " validation ''. Again they failed to provide the information that I had requested. Instead the sent letter dated XX/XX/XXXX requesting that I provide them with " specific information that you are disputing and an explanation of the basis of your request ''. 
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.
as of XXXX XXXX, 2018, XXXX XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of XXXX XXXX XXXX XXXX.
Nationstar applied my payments from Keep you home XXXX since XX/XX/2016 to another loan number. They have my loan in active Foreclosure currently and for the last month I have been trying to get them to reverse the payments and apply them to my loan. I faxed a letter to XXXX the Supervisor in the Loss Mitigation XX/XX/2016 @ XXXX pm PST and have not received a response.I included a printout from XXXX of the payments they sent and it indicates the incorrect loan # XXXX. As of XX/XX/2016 the status of the loan is unchanged nothing has been done to rectify this probelm. My credit has been affected by the loan being in Foreclosure and the fees assessed due to this problem are still due. Note : Nation stars funding dept gave Keep your home XXXX the incorrect loan # when they electronically transmit data for the loans XXXX remits on. Nationstar has been telling us I did it??? Please make this nightmare stop ... ....
The debt in question is from XXXX XXXX. They sold the debt to Diversified Consultant Incorporated. This debt was settled by XXXX XXXX ph # XXXX in which correspondence was mailed to me advising the money paid satisfied the debt in full. I am now receiving a statement from XXXX XXXX on behalf of Direct TV for the amount that was supposed to be adjusted due to the settlement. I have in my possession all correspondence. Additionally I have contacted XXXX XXXX where they have advised they do not know who Diversified Consultant Incorporated is. Please advise where I can submit this documentation in order to support their falsified documentation in order to support their falsified settlement. The balance they are trying to recover is invalid.
Receivable Solutions calls me repeatedly, sometimes every day, at all hours, despite having been told not to call me anymore. The number that shows on the Caller ID is XXXX. I want the calls to stop please. They have been told to stop calling me at least a month ago, if not longer. They have called me at least nine times within the past two weeks, at all various hours, sometimes very early in the morning.
" " '' I have disputed this Charge off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Bank Of America 's Risk Dept sent me a letter XX/XX/2016 informing me they were closing my XXXX bank accounts we had with them. XXXX business and XXXX personal accounts. No explanation was given for their decision to close my accounts after 35 years of doing business with them. 
Bank of America sent cashier checks for the balance in XXXX of my accounts. At this time {$1200.00} was not sent. I am being told by their fraud dept. I am on camera at XXXX, in their XXXX branch receiving the money at the teller 's window.I am being told by their fraud dept. my ATM card and pin were used in the same transaction.I have documentation to substantiate I in fact was on a XXXX XXXX flight to XXXX XXXX at the same time. 
Bank Of America is refusing to release my {$1200.00} dollars to me. I believe XXXX in Bank of America 's Risk Dept is responsible for the " missing ' money.I spoke to XXXX on XX/XX/2016 at approximately XXXX-XXXX at Bank of America 's XXXX XXXX XXXX branch .I was demanding they release my money to me from my personal closed account. I needed my money to cover a check written from my new bank to cover a business rent payment. XXXX said NO. " I had been made aware of the need to have my money out by XX/XX/2016. 

XXXX from B of A 's fraud dept. stated I took the money out at XXXX on XX/XX/XXXX. At XXXX on the same day the money was still in the account. My bank statement shows the money being taken from the account on XXXX XXXX, from XXXX branch teller window.Their fact contradict themselves. I believe Bank Of America is deliberately keeping my money.The local sheriff dept is not being helpful.The Sheriff were told by the branch manager I was in the branch and received my money.I find it necessary to hire a legal firm to assist me to obtain my money.
XXXX is reporting a credit card account on my credit that does not belong to me through XXXX, Experian, and XXXX. I did not authorize or had knowledge if this account. Furthermore, once I became aware of it via my credit report I noticed that it is reporting with big questionable errors. It looks fraudulent. It is reporting as XXXX XXXX XXXX account and XXXX account, Please see attached copy of my credit report. I am requesting that this fraudulent account XXXX and XXXX be permanently deleted because neither of them belongs to me effective immediately.
XXXX is reporting to XXXX and Experian as current 120 and 180 days delq for an account that was charged off in XX/XX/2009 for both of us- XXXX and XXXX XXXX . XXXX XXXX has already removed the derogatory item all together. XXXX is dropping our credit scores by XXXX points based on these consistent lates for years. We demand they fix their reporting right away. We have complete XXXX rounds of dispute letters to both XXXX and Experian and have attempted several CFPB complaints and to date we still have not received any assistance or resolution. We demand CFPB steps in and gets this fixed right away.
XXXX XXXX I paid off a Chase Visa balance in full and closed the account. I told the rep to make sure the balance was paid in full and I was assured there would be no revolving interest charges. On XXXX XXXX I received another statement with another balance. I think Chase Visa needs to train their people better and/or be a little more honest. The representative seemed more interested in keeping me as a customer and offered to lower the interest rate on the card. I insisted they close the account completely but still was pushed by the representative not to cancel my account. I had to be persistant against the preditory representative at Chase Visa.
I contacted Experian with a dispute towards XXXX XXXX and XXXX XXXX XXXX. They sent me back correspondence saying it was verified two days later but never sent me how it was verified. I 've asked for documentation supporting these companies saying the accounts are verified and they have n't. I 've disputed these items multiple times and I keep getting the same results. <P/>XXXX says my balance is {$670.00} XXXX XXXX XXXX XXXX says I have three accounts for {$500.00}, {$320.00}, and {$350.00}
I recieved a call that I got approved for a loan and that the ftc would deposit money into my bank account and I Had to go at XXXX in the morning to XXXX XXXX and wire the money back or my account would be closed. I Did not wake up in time and my account was closed. The compamy wrote a check. Asked me for my bank login information and deposited the check as if it was me. They even endorsed the check with my name in the back.
Have disputed the reporting of the status of account with Capital One, but they refuse to respond to the request and continually send me letters stating " they need more information ''.
Sold me a lemon vehicle and my kids were exposed to harsh environments told me nothing I could do about it then put me in another vehicle and again the vehicle transmission went out repairs were more than worth of vehicle they repoed the vehicle and resold it on another car lot and still say I owe the remaining balance.
XX/XX/XXXX After receiving over 20 voice mail calls regarding my student loan I called Premier Student Loan Center ( PSLC ). Immediately the call starts with them telling me that I can qualify for student loan forgiveness. These continually calls attempt to pressure me into taking their services where for a FEE they will get my paperwork into the student loan provider. The caller jumps right into the sales pitch asking for penitent and personal information regardless of you letting them know you are not in a private location or near a computer ; suggesting that once you give them access they can go into your personal student loan account and access your information.. 

The latest call had them suggesting that I pay {$1100.00} over a 5 month period as part of yearly income re-certification to reduce my monthly payments by approximately {$50.00}. 

So that in theory I would pay the {$1100.00} plus the current loan payment and then pay the reduced amount after the 5 months of paying the accruing interest. Currently I am in good standing with my loan Service provider and once contacting them was able to go through the process of income re-verification with no additional monies needed and send the information directly to the loan service provider. 

Additionally, the company XXXX, XXXX contacted my last year ; I was able to stop payment of the funds I paid the company. Now PSLC is using the same tactics as the previous mentioned company based on an email I received on XX/XX/XXXX. 

In the process they ask for access to my personal Federal loan account and other sensitive information which I wish that I had not given them. The call is pressure filled where they could care less what you are in the middle of they just are hitting you with the sales pitch. The representative send an email that takes the customer directly to a site " Student Data '' proxy : XXXX XXXX XXXX ( www.plscdoc.com ) where there is dashboard screen that is very generic in nature.No identifying logo for the company just a generic web page that they can control remotely. 

The comany 's practices are deceptive and when questioned the sales representative became argumentative and expressed that I had to MAKE CONTACT with them TODAY after I explained that I would think about my options. 

While they have the company rating on the XXXX website, the tactics and mannerism are rude, condescending, and pressure filled. How do I stop this contact this company from contacting me via phone or email in the future?
Midland Funding , LLC has placed a lien on my home. I was informed of this by a mortgage lender with whom I was trying to close on a home refinance HARP loan. I was not aware there was a lien on my home. I understand that this action is illegal. Can you help me by contacting Midland Funding , LLC for me?
BOTH COLLECTION AGENCIES FAILED TO VALIDATE DEBT, IN VIPLATION OF SOL, FCRA, FDCPA, TCPA.
i have been the victim of several online fraud scams. i called my bank for help with this and told them i signed a contract with them but the merchants merchandise was not as described and no service was rendered.the company was XXXX chip dev. who i paid XXXX sent a contract in and that was it case closed.i thought my citi card would have looked into it a little further .i must have some recourse available to me.i am XXXX XXXX XXXX and have no functional online business, earn no money, and ended up heavily in debt. i thought citi had a fraud guarantee.i dont feel i have been treated fairly and these people use unfair and deceptive trade practices.citi does not seem to do much work investigating these merchants.i am asking for a fair resolution to my problem.
on XX/XX/XXXX I sent a debt validation letter to AD ASTRA Recovery Services asking for validation of this debt something with my HANDWRITTEN SIGNATURE they responded with a typed signature. This company has yet to provide me with proper validation of this debt nor do I have a legally binding contract with this company. Since I have yet to receive proper validation this needs to be removed from my credit report. I have tried to resolve this with this company to no avail. Under the FCRA 15 U.S.C 1681i, all UNVERIFIED & INVALIDATED accounts must be promptly deleted.
I ordered, online, a FREE sample of a vitamin product, with a bonus bottle of another energy vitamin. JUST PAY {$4.00} shipping. Used credit card to pay for shipping only. Citi bank said this practice is not fraud. A scam is not fraud? They stole my card information.
I had a doctor 's bill from XXXX that I was supposedly served a judgment on in XXXX but it was n't until XXXX until the judgment actually went through at the court ( I 'm probably using the wrong terminology but I hope you understand what I 'm trying to say ). The problem is, the address they supposedly served me at in XXXX I was no longer living at. I was in the middle of moving and I ca n't remember the exact date I moved from XXXX address to the other but I 'm 99.9 % sure I never received notice of this. 

Last year I pulled a copy of my credit report and noticed this and reached out to the collection agency and asked what I could do to clear this up. I was told the balance was around {$700.00} but if I paid {$500.00} they would have it removed. I paid it and a few weeks later I found out this was incorrect. I was then told by the President of the collection agency ( XXXX XXXX ) that if I paid the remaining balance it would be removed. At this time I paid {$360.00}. Once again it did n't come off but I did get a refund check from them a few weeks after this for {$150.00}. Supposedly the amount in their own system was inaccurate and they billed me the wrong amount right up until this point. 

The amount entered into the judgment is incorrect. The original balance was {$1000.00} but after making over {$400.00} in payments & two years later ( well, 4 years until it was entered at the court ) the balance was STILL {$1000.00}. The same amount to the cent. 

XXXX XXXX ( the president of Amerifinancial Sollutions ), XXXX XXXX ( the Director of Finance at XXXX XXXX XXXX ) and XXXX XXXX ( the attorney for XXXX XXXX XXXX XXXX are all in agreement that the amount ( s ) for the bill have been inconsistent and wrong since the beginning and this should be removed. XXXX XXXX has written a letter I have sent to Equifax and XXXX XXXX has written XXXX ( & I also sent this to Equifax ) and to date they have refused to remove this. I 've written to them probably XXXX times over the past year and every time they refuse to do anything about this ... even when given information from the collection agency that what they are reporting is inaccurate. 

Every single person and company associated with this bill has been trying for close to a year to have this removed and every single request has been denied by Equifax. The debt was wrong, the original creditor and collection agency are in agreement on this & here it is over a year later and Equifax is continuing to report inaccurate information and continuing to damage my credit.
I h ave two student loans repayments, one from Navient fo r {$24000.00} and  XXXX   for@  XXXX . I only went to   XXXX   XXXX   XXXX   XXXX  for 3 years  ( no de gree- left with a dispute with the financial aid office ) and there is no way I have close to {$50000.00} student loan debt. Bo th Navient  and  XXXX  are giving me the running around. I did make a deferment for the  XXXX  with the payment due in  XXXX    XXXX  .     The last correspondce I received was from  Navient 's Consumer Advocate Office  disputing all proof submitted to their office.
On  XXXX   XXXX ,  XXXX  a charge of {$560.00} appeared on my Ba nk of America visa credit card statement. It was an erroneous charge that I had not made. I contacted the nu mber next to the charge on my credit card statement. It was a contact number for  XXXX . I informed them that I did not make this charge on my credit card. I have never had an account with  XXXX . I then called Bank  of America  to notify them of this bogus charge. The bank then eliminated the charge off my credit card statement. A couple of weeks went by and I received a package that I never ordered. It was a hair extension of some kind. I threw it away thinking that since Ban k of America  had eliminated the charge off my statement that the problem had been resolved. On  XXXX   XXXX ,  XXXX , I arrived home from work to an email message from Ban k of America sta ting that they had reinstated the {$560.00} charge to my account. I responded by calling the  XXXX  number again to try to extract additional In- formation from them. They divulged the business name, niquesboutique and customer service number  XXXX   XXXX   XXXX  to me. I immediately called this number and left a message about my predicament. A person named  XXXX  called me back and apologized for the charge. She said she would work to reverse that charge off my credit card account. We talked back and forth for a few days commencing on  XXXX   XXXX ,  XXXX  but nothing has been resolved about the charge. On Wednesday  XXXX   XXXX ,  XXXX , I called the Ba nk of America to fin d out why they had reinstated the {$560.00} charge to my account. I was passed through three employees at the bank. The third employee became hostile when I explained that I had not made this charge to my credit card account. He stated that since I received a package that I must have ordered the product. He seemed immune to the prospect that my credit card number had been stolen and abused. I have been with the Ban k of America cre dit card since  XXXX . Within that period of time, the bank has issued me numerous, about  XXXX  different credit card numbers, when they felt that there might be an issue with my card number being stolen and used fraudulently. As it stands right now, Ban k of America  has stated that they will begin charging me interest on this {$560.00} fraudulent charge. I am between a rock and a hard spot with neither the bank nor the merchant willing to acknowledge this bogus charge on my credit card account. Please help me.
They have tried calling me at work 3 or 4 times today. I have hung up once and refused the call twice because they can not even pronounce my name properly so I know they do not know me.
To Whom It Concerns, The law firm that is supposedly handling the short sale is refusing to respond to emails or messages. XXXX XXXX XXXX and XXXX XXXX XXXX are the XXXX lawyers asssigned to the case. Also I informed XXXX XXXX that her client was harassing me with eviction and changing the locks without notice on the property when it is not in their name. I would like to speak with her to settle the judgement in full. However, they refuse to respond. I do n't know why. It makes no sense. I would appreciate a response and / or a phone call. 
Thank you for your time, XXXX XXXX CASE NUMBER XXXX XXXX XXXX, XXXX XXXX is the the mortgage company.
I RECEIVED TWO LETTERS in the mail from Accelerated Financial Solutions in regards to debt they claim I owe XXXX XXXX. Account numbers are XXXX AND XXXX. I contacted the collector and was promised that after each debt was settled, they would both be deleted from my report. 
I offered to pay {$650.00} XXXX and {$700.00} for XXXX. They verbally accepted the offer via phone and I am waiting for them to remit a written agreement stating the debt will be deleted via postal mail.