WillisBack/dataset-financial-user-claim huggingface dataset:
I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC . Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting twice XXXX XXXX acc. XXXX, XXXX
My mortgage company is Wells Fargo. I received a loan modification in XXXX XXXX for XXXX properties-my home on XXXX XXXX, XXXX XXXX and my rental in XXXX, XXXX. The loan modifications expired XXXX XXXX. I was still unable to pay the full mortgage and requested another modification, which was denied/ignored. I continued to pay the modified amount, but the difference between the modified amount and the actual loan continued to accrue. Finally, Wells Fargo contacted me and requested documents. I submitted pay statements and other financial documents. I was given a payment plan for the rental property only. I began to pay XXXX/month for the rental, which covered the mortgage and the amount in arrears. However, the mortgage payments were $ XXXX/month. I also requested a payment plan for my home in XXXX, but Wells Fargo did not give me a payment plan. In XX/XX/XXXX began to pay the full mortgage of $ XXXX/month and I requested a refinance so the the amount in arrears could be added to the end of my mortgage. Wells Fargo did not respond. Now, Wells Fargo is requesting the full amount that accrued when from XX/XX/XXXX to XX/XX/XXXX. They have never given me an opportunity to modify the loan or refinance the loan.
I was doing a loan modification and was told not to make any payments. During this time, the bill became so high that there was no way to pay over {$150000.00} on past due payments. I finally got it completed, did my three ( 3 ) trial payments and then was sent new loan docs. I signed and sent back to Chase bank. During the time the docs were sent back, the loan was transferred to another servicing agency called XXXX XXXX XXXX. They knew of the status and kept pushing back the sale date since we were both waiting to have Chase upload the docs and then get them to them and then I can start making my payments. Roughly 5 or 6 months go by and I call in as usual expecting the sale date to be postponed once again and this time was told that it is to late and Chase told them to foreclose. This was 3 days before the sale date and they did this knowing I could not pay over {$150000.00} to get current or time to get an attorney to file anything to stop it. So myself and my XXXX children were kicked out of our home. They also mis-calculated my property taxes and then added more taxes onto the original note.
In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of my credit report. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to all 3 credit bureaus all the other bureaus remove the negative accounts but to my surprise Experian responded stating that after the investigation they have found that I was responsible and the accounts belong to me. That's it no evidence or proof of their investigation
XXXX has closed my XXXX, XXXX, and XXXX XXXX without notice. They stated it was due to inactivity. They have currently suspended my credit line with XXXX XXXX and insist that they must do a hard inquiry in order to reactivate my credit line, or it may close the  account. 

Responsible credit usage should weigh more than the number of inquiries on ones credit report. As it is a car deal had run multiple credit inquires for a purchase of a vehicle bringing my credit rating down. I have been actively trying to keep my credit clean of any lates, always pay on time, and this is how XXXX is rewarding it's users.
ATTN : CFPB TECHNICAL SUPPORT -- THE " SUBMIT '' BUTTON ON YOUR " DISPUTE '' PAGE IS STILL NOT WORKING. 
RE : CFPB # XXXX UNION BANK CASE # XXXX THIS CONSUMER FINANCIAL PROTECTION BUREAU DISPUTE IS IN RESPONSE TO XXXX XXXX XXXX ' LETTER OF XX/XX/XXXX. I AM DISPUTING UNION BANK 'S RESPONSE, AS IT ONLY PARTIALLY ADDRESSED MY ISSUE OF EXCESSIVE FEES CHARGED TO MY ACCOUNT. 
1 ) I was NEVER " notified on multiple occasions '' by Union Bank that monthly fees would be charged to my account. Nor, was I ever notified that I would no longer be eligible for a " XXXX Banking '' account. 
2 ) I NEVER received a " Union Bank notification letter '' in " XXXX XXXX '' at my XXXX XXXX, Calif. address, stating the new qualifications for " Signature Banking '' accounts, " beginning XX/XX/XXXX. '' I save all of my bank correspondence and bank statements ( much to my sister 's chagrin ). The only bank correspondence I have received was in XXXX XXXX ( from the Loss Prevention Dept. in XXXX, Calif. ) and in XXXX XXXX ( regarding the new chip and pin cards ). 
3 ) When I first asked a XXXX XXXX, Calif. Union Bank teller about the {$18.00} monthly fee being charged to my account, she said it was because I " did not have online banking, and that there is an {$18.00} fee for paper statements. '' I was reluctant to sign up for online banking at that time, as I have a 10-year-old computer and am on WiFi. I explained to the teller that when I got a new computer, I would sign up for online banking. When I continued to see {$18.00}, and then {$20.00}, monthly charges to my account, I thought that was due to the paper bank statements, as that is what I had been told by XXXX XXXX. 
4 ) My bank account was NOT " converted several times, '' nor was I ever notified by Union Bank, at any time, of any pending " conversions '' to a different type of account. The " Banking by Design '' account was only started because I had complained to Union Bank about the {$20.00} monthly fees. 
5 ) I have had direct deposit with Union Bank for nearly 16 years. When I first opened up my account in XX/XX/XXXX, a Union Bank officer, " XXXX, '' at the XXXX, Calif. branch on XXXX XXXX, told me that as long as I had direct deposit over a certain amount, that my bank account would remain free. 
6 ) I was referred by XXXX XXXX in her response to " page XXXX '' of a Union Bank document that I never received, entitled " All About Personal Accounts and Services Disclosure and Agreement. '' Once again, the only bank correspondence I have received was from the Loss Prevention Dept. ( XXXX XXXX ), and information on the new chip and pin cards ( XXXX XXXX ). 
7 ) I NEVER asked the XXXX XXXX Customer Service Center agent, at any time, to review 7 years of bank statements! I help to take care of my XXXX-year-old mom, and because of that, I am not always able to hold on the phone for very long. 
8 ) I still feel Union Bank discriminates against lower-income customers. We are the ones who can least afford your excessive fees.
I purchased a vehicle from JD Byrider XXXX/XXXX/14. Yesterday I went to trade in the vehicle for a newer truck. The dealership informed me that my vehicle was only worth {$2000.00} and that the pay off for the loan was {$8800.00}. This seems way off. I trusted the dealership and the finance company because they are affiliated with each other. I feel that they took advantage of me and I am stuck with a vehicle where I owe 4 times what the vehicle is worth. Further more when I contacted the finance company last night and asked for a hard copy of the pay off I was told they do n't have that in a hard copy. I threatened them by asking them where I was to send a sopena to get this information. She reluctantly sent me a copy of the general ledger.
My XXXX account was transferred to Diversified Consultants Inc and when I received notice of this, I immediately paid in full and was assured it would not hit my credit report. Months later, I noticed an open balance on my credit report for an amount I did not owe. I reached out to DCI and they told me it was an error on their end and they would update the records for the credit bureaus. Recently, I noticed it is still on my credit report so I submitted a dispute to XXXX and they notified me that DCI claims the debt is mine, however, when I call DCI they tell me my account was paid in full and they are reviewing the issue. They continue to prolong the dispute and nothing has been resolved. In addition, their customer service is terrible and they are very rude when I call to request a status update. One of the representatives would not even let me talk and kept interrupting me and being disrespectful. It is frustrating that this error is affecting my credit and DCI is not being helpful.
We received the " Statement of Mortgage '' and " Informative Return - Mortgage Interest, Form XXXX '' for the XX/XX/XXXX year from FirstBank Puerto Rico ( FDIC XXXX XXXX ). Both documents have multiple errors, including the amount reported to IRS. These documents are fundamental for us in order to file our income tax returns. 

We went to the local office of FirstBank Puerto Rico and were told that in order to solve the issue we should contact their Customer Service by phone. We contacted the FirstBank Puerto Rico Customer Service on XX/XX/XXXX and requested the correction of both documents. We were told that correct versions will be emailed to us by XX/XX/XXXX. Since then no action was taken and we contacted FirstBank Puerto Rico Customer Service again 5 more times. As of today, XX/XX/XXXX, we have not received the corrections yet. This is creating a burden to us since we do not have the correct documents to file our XX/XX/XXXX tax returns on time. 

Since our documents are erroneous, we suspect that the IRS and the local tax authorities are being reported with incorrect amounts from FirstBank Puerto Rico.
Seterus Inc foreclosed on our home in XXXX XXXX and satisfied the entire balance owed in doing so. They continue to report a {$230000.00} open balance on XXXX for our credit report XXXX info below ) although a {$0.00} balance is reported XXXX. Because they continue to report this balance, a loan we are applying for on our present home is being denied XXXX until I can prove that the balance was liquidated at foreclosure by providing a copy of Setrus 's XXXX XXXX XXXX or a correction XXXX. Reporting XXXX is correct. I have waded thru interminable blocking phone menus and interminable CSR wait time to contact Seterus three times. The first time we spoke, XXXX XXXX, XXXX, they refused to talk to me at all because I had been represented by an attorney during the foreclosure. ( Note : this is consistent with their policy in mailing the XXXX in XXXX. They said they would and did only send it to my attorney, which caused significant delay in filing our taxes - he never received it. ), they said my attorney would have to call them XXXX at {$300.00} per hour ). The XXXX time I spoke to them, on XXXX XXXX, XXXX, they allowed that they would speak to me if I faxed a letter stating I was not represented by an attorney. I did so the same day. Today, they will speak to me, and have agreed to provide the XXXX within XXXX - 10 business days and correct the credit bureau report within tbd days. 

I am seeking XXXX action items:1. Faster response, as in today! I urgently need the XXXX or I will lose my application fee XXXX because the loan will not be completed on time. 
XXXX. Long term, their policy of not providing me tax forms, info and corrections to my loan without going through the attorney I used XXXX years ago is inane. Every other creditor, for example, provided XXXX directly to me even though they knew I was represented by an attorney. This should be changed at Seterus and across all lenders. 

Personal info is as follows : Seterus Loan Number : XXXXBorrowers XXXX and XXXX XXXX XXXX XXXX XXXX XXXX telephone and fax : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX balance of {$230000.00} reported to XXXX Credit Reporting Agency
I noticed that I had an item on my credit report that I was not familiar with and I had no knowledge of indebtedness to either organization. At that time I constructed a communication and sent it to Syndicated office systems also known as Central Financial controlling via Certified mail return receipt, received a validation of debt request on or around XXXX. Once the dispute was received by Central Finl Control the item was removed and then they same company that operates under two names placed the item back on my credit report under their other name ( documents are attached ). 

As you can see under the header of results of your investigation- continued, you can see that item from central finance Controlling account/XXXX was not found as it was removed. At the time I disputed the item it was still on my credit report. Once it was disputed, the company deleted the item and then added it back under their other company name. 
I have no knowledge or record of the account listed. Please advise me as to the name and addresses of the medical providers, the date and type of medical service and to whom the servicers were provided, as any accounts I might have had may be obsolete. If you can obtain this information, I would also need the name of the person providing the data and the manner in which it was provided so I may pursue additional legal remedies. The entries from my credit file are attached to this complaint. 

Third-Party Disclosure Improper Disclosure of PHI to third. Most businesses have Business Associates and Business Associate Subcontractors. These third party entities are responsible for protecting PHI and, with the Common Agency Provision in the HIPAA Omnibus Ruling ; you are now responsible for your Business Associates ' HIPAA Compliance. I would like to see their Compliance Plans. If they do n't have a Business Associate Agreement in place before you disclose information, you have a Breach on your hands. 

A Debt Collector Must Send Written Notice of Debts As I mentioned earlier, as part of the debt collection process, you must receive a statement outlining the specifics of your debt in collections. Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the creditor. This notice also must explain what actions to take if you believe you do not owe money.- Nothing was received when the 3rd party debt collector decided to just move the debt to their other name for their business so I was again not aware of any level of indebtedness.
My Dad got a reverse mortgage with XXXX XX/XX/XXXX. About a year or so later, XXXX went out of business and now XXXX XXXX XXXX was in charge and hired Reverse Mortgage Solutions as the servicer. My dad passed XX/XX/XXXX. I thought I would be able to purchase the home within a year due to a business deal I was involved with with my cousin but he fell ill and the project went on hold indefinitely. Then the company I worked for went out of business. XX/XX/XXXX received notice that the company foreclosed saying I defaulted by not appearing in court to answer. I was never served a summons to my knowledge and they have lied about how and who was served and have never been forced to prove service in a traverse hearing which I requested of the Supreme court. They never offered the house to me or my siblings at XXXX % of value, but instead after only 2 years since the inception of the reverse mortgage, were asking back over triple what they paid my dad, adding their own legal and other fees to the total. I filed a bankruptcy to stay the sale. Due to errors in filing pro-se, the bankruptcy was dismissed. During that time XXXX XXXX XXXX went out of business. I heard nothing on the case for 6 months, then I get a letter from Reverse Mortgages Solutions ( RMS ) the servicer, staying they are auctioning my house on XXXX XXXX, XXXX. I filed a Chapt XXXX bankruptcy with a lawyer who failed to get the stay which is nonsense since the stay is automatic. They auctioned it and bought it themselves. To summarize, they have attempted to evict me 3 times. Once I delayed it by fling a pro-se order to show cause but the judge did not even address that I was not properly served and my accusation that chain of title has been broken. They keep getting a free pass, no traverse hearing, no burden of proof of title. I believe fraud has taken place.
XXXX XXXX XXXX came up on my XXXX trying to collect {$1300.00}. Ive never done business with this company. Ive never received any notice from this company. Ive never received notice from previous creditor. I was not aware of this debt nor do i know what its for. Account was opened XXXX XXXX, 2016 according to XXXX. I looked up XXXX XXXX XXXX and other people complained that this company also popped up on their credit for debt they do not know of.
Thank you for this opportunity. I have been banking with Wells Fargo for several years and have several accounts. The account in dispute is my business banking account. Over the course of one year I have been charged in excess of {$1700.00} in overdraft fees. It is so confusing the way the charges appear in pending status and then are re-ordered once posted. Most times, they do this by paying the highest charge first. For a couple of years my debit card would decline and not allow for over charging my account. Then suddenly, charges would drop off and/or was allowed to over charge my account. The confusion and financial hardship that I have endured has been so exhausting to no avail or cooperation from the bank other than a few reversal here and there. I have cancelled my debit card and only use atm card for my accounts. I now transfer money to an easypay debit card to use for purchases and bills. After filing a complaint with branch manager, XXXX XXXX and not hearing from her for weeks, I finally reach a business banker named XXXX who stated today they would not reverse anything for me. XXXX I do not need this in my life and would like to switch to a different bank BUT I am stuck as I have a merchant service account too and it will cost me for early termination. I appreciate your assistance and thank you.
A company has refunded my money in the amount of XXXX. They have provided documentation that they have refunded the money to my account. Netspend is saying they have n't received the money and told me they would n't make a decision on my claim until XXXX XXXX, 2015.
Barclaycard credit cards stopped sending me credit card statements for years. They sent my statements to a wrong email address that was not mine, thus violating my privacy. As a result of changing terms and conditions, I was not aware of my interest rate or the expiration of my promotional rate, and was charged almost 25 % interest for over a year without my knowledge. When asked for rectification, Barclaycard did not help me nor show any desire to help me. They have violated my right to view a monthly statement and to review any changes to my agreement with the company. If I had known of the specific amount of interest I was paying, the amount on the card, or any of the other information I'm entitled to each month, I would have paid off more or transferred the balance. Instead, this has created a financial hardship to the tune of {$1500.00} in interest that I would have saved had I received even one statement. I suspect either fraud or negligence on the part of the company, neither of which should be my responsibility.
( 1 ). What happened?

I have ( 2 ) Collections Accounts reporting on my Transunion Credit File # XXXX, they are : 1-. XXXX : Account # XXXX XX/XX/XXXX This is a Statue of Limitations which is 5 years. DELETE 2- XXXX : Account # XXXX XX/XX/XXXX This is a Medical Bill. I did not give a HEPPA Release of Information Form. This is an illegal collections debt. DELETE I live in another state and I was informed by the company, they're not licensed to collect in NYS.
XXXX XXXX XXXX XXXX XXXX, MA XXXXXX/XX/XXXXDear Sir/ MadamTo Whom it may CorncernAm writing to you to dispute a collection on my credit report. 
In XXXX or XX/XX/XXXX I called my cell phone company XXXX to cancel my service as I could not get service at my palce of residence. We agreed to cancel the contract after I had sent them my lease and other documents. I did that. 
On XX/XX/XXXX I got a call to join the united states XXXX which I did. I was originally scheduled for XX/XX/XXXX. For four months I was away and had no access to my mail. 
When I came back I found out that my cell phone provider had taken me to collections. 
The said amount was for {$450.00}. I called the provider up and disputed it. 

From the dispute it came to my knowledge thatXXXX. The said documents the requested for never got to them. That was corrected and there for they waived about {$300.00} which was for the equipment ( phone ). 
XXXX. In light of that I paid half of the remaining balance to the provider. ( XXXX ) XXXX. I was also assured the the credit reporting agencies will be duly notified and the necessary corrections be made on my credit report. It is rather unfortunate that it has not being done. 


Am writing to you to dispute this record as it 's affecting my ability to get credit. 
Please kindly give me a call to rectify this situation XXXX
Without knowing how close our loan was to payoff, we sent a payment this month, which my bank told me it was putting back into my account, saying " it was returned to our processing center due to the payee 's refusal to accept the payment. '' We assumed it was because the amount we sent was over the owed amount. We never saw a statement for XX/XX/XXXX. 

I called Citizens One regarding my account, and they told me that the final payment of the loan has to be sent to a different address. He told me he couldn't take the late fee off without the payment being up to day ( which was already more than the amount we had sent ). He told me he couldn't take my payment, that he'd have to send me to the automated system. I went back through the automated system, and it didn't recognize my account number. I tried to create a username on their website, and it wouldn't recognize my account number. 

I have never heard of a loan company needing the last payment sent to a different address. My last auto loan didn't have that. My wife 's school loans through XXXX XXXX  weren't that ridiculous. All I can figure is that they want to squeeze every little % and late fee they can from us.