WillisBack/dataset-financial-user-claim huggingface dataset:
A letter was sent to NCC Business Services on XXXX XXXX, 2015, via fax number that is provided on their website. After over a month of not receiving a response to my request, a letter was again sent out to them on XXXX XXXX, 2015, in which as of today, I have yet to receive a response to. At this time they have failed to validate the debt but since XX/XX/XXXX, they continue to report this to the credit bureaus ( all XXXX ) which I have documented proof from all XXXX credit bureaus, and they have failed to mark the account as consumer disputes this account. I contacted their office on today and spoke with XXXX XXXX, who identified himself as a supervisor as I asked to speak with the compliance officer or office manager after speaking with XXXX XXXX. According to XXXX XXXX, they never received the XX/XX/XXXX letter but received the XX/XX/XXXX letter. I advised him that it was sent to the fax number listed there on their website. He was very rude as I told him at no point did they mark the account as in dispute with the credit bureau. He stated he would try to get something over to the bureau to do so now, I advised him that it was too late as this would also be reporting inaccurate information as the initial dispute was 3 months ago. He refused to provide me with a contact name or allow me to speak with the officer manager as he stated he was " The Manager :.
Paypal Credit claims to have offered a payment plan which requires an amount due of around XXXX a month, this offer was never received but am interested in taking advantage of it. I do not have offer details as again, they were not received. However, there are several fraudulent orders from an XXXX which need to be resolved first. These orders run into the thousands and were placed by a relative with a very similar name, XXXX XXXX. My full legal name is XXXX XXXX XXXX, he was able to successfully place these orders as the name as well as address matched. If Paypal Credit is willing to work out a settlement and accept a payment plan of XXXX a month then I will gladly make payment.
In XXXX XXXX, my wife and I disconnected our service with XXXX XXXX XXXX. At the time, XXXX XXXX XXXX issued us a refund for the funds that we had paid. 

A month later, XXXX XXXX tried to charge our credit card for another monthly payment, at which time we contacted customer support. We were told that they were unable to stop auto-payment and that they would refund the charge. After a month, the charge was not refunded so we asked our credit card company to cancel the payment. 

After cancelling the payment, XXXX XXXX sent us a debt collection due to the cancellation of the credit card charge. After speaking with XXXX other people, we were reassured that the notice was sent in error. Finally after speaking to a XXXX person, we were told that the notice was correct because of the way they do their billing. 

After fighting with the company for 6 months, we agreed to pay a reduced amount to close the issue. 

On XXXX XXXX, XXXX, we received a letter from yet another collection agency trying to collect on a XXXX XXXX debt. This time it was for an amount that we did not recognize and has never been billed to us at any time. We have responded to the collection agency yet again. 

This appears to be a common practice by XXXX XXXX of sending unsubstantiated debts to collection agencies. We have also dealt with an issue where XXXX XXXX tried to collect a debt from my wife for not returning her equipment despite the fact that she had a receipt from the day it was returned.
XXXX, Experian and XXXX have provided my financial information to companies and individuals that have stolen all of my assets and my IRS information.
I went to XXXX XXXX XXXX from XXXX XXXX XX/XX/XXXX, I ended up dropping out due to the need to work more hours at my job, so that I could afford to live, and pay rent at my apartment.Upon the time I was enrolled, I was told that via scholarships and federal aid, my tuition would be 100 % covered. Within one week, that figure changed, and I was told I needed to take out a federal student loan to cover the overage. I was excited about school, so I went ahead and took out the loan with my mother as the co-signer. I have had a hard time ever since, from paying on my loans, to just trying to get back into school. I have tried to contact the school location I went to, in XXXX, Tx, several times to get my loan documents, any paperwork that I signed, as well as my transcripts to no avail. Now that I have received information that the school has closed down, I 'm looking to file for " Borrower Defense to Repayment ''. If there is anyway you can help me with this issue, please do, as I 'm confused as to what I can do next. I can no longer reach the school via phone or email, and have moved over XXXX miles away to help care for my parents.
I 've been trying to have Everbank remove PMI from my mortgage. Below is the summary I sent to Everbank outlining my issues. <P/>This letter was originally faxed on XX/XX/XXXX to XXXX. Per my follow up call on XX/XX/XXXX, the representative confirmed that the fax was received on XX/XX/XXXX and that it had only been 25 days and the process takes 30, and instructed me that I should wait and I would receive a letter after the 30 day period. I did not receive a letter, so I called back on XX/XX/XXXX and the representative XXXX stated that he saw in the notes on XX/XX/XXXX stating that the letter was received, but he could not find it in the system. He had no explanation, after checking for an extended period, what happened to the letter. Speaking w/ his supervisor XXXX , she instructed me to fax in another copy to the priority number and said that she would monitor and make sure it was processed this time. I called back on XX/XX/XXXX to check a second time and the representative said she again could not find the XX/XX/XXXX letter. She instructed me to send to the priority fax number XXXX.
This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.
Below is a letter that I sent to B of A today that outlines my problem fairly clearly : XX/XX/2017 Re : Consumer Financial Protection Bureau / Case no. XXXX Account number : XXXX Dear XXXX XXXX, You sent me a letter XX/XX/XXXX ( copy enclosed ) in which you asked me for information that you stated the Federal Government needed to keep my credit card account open. I demurred in giving you some of this information ( for instance, where I worked and what I did ) saying it was none of Bank of America 's business since I had had an existing credit card in good standing. You responded by closing my account, I thought, temporarily until this matter was resolved. However, today when I called your telephone number and extension at B of A ( which number for you and your department had been changed ) and finally got through to someone after a total 90 minutes of waiting on four separate phone calls, I found out that my account was permanently closed and could not be reopened because of the way it had been closed. 

I am writing you to ask you to tell me if B of A reported this account closing to any credit bureaus or consumer reporting agencies, and if so, to provide me with a copy of my credit report from that or any agencies or bureaus. 

I have a number of credit cards and none of those companies required me to give them more information under the guise of the Federal Government requirement. I have had a credit card with B of A for a number of years. Why did only the B of A need me to fill in the XXXX form and the XXXX? B of A already had my Taxpayers Identification Number from when they issued me a credit card in the first place. The XXXX form is kept in house anyway so why the drastic action by B of A? Your marketing department needed the information perhaps? 

Please tell me in detail just exactly what the Federal Government needed to know. This request B of A made was not for a new loan, or new credit card application so was gratuitous in reference to an active ongoing credit card in good account. 

To sum up, please inform me if B of A communicated to any outside agencies concerning this matter. 

Sincerely, XXXX XXXX cc : Consumer Financial Protection Bureau, Senator XXXX, Representative XXXX
The XXXX XXXX XXXX has contacted me regarding a citibank credit card debt that I had to stop paying on in 2009. The 4 year statute of limitations in the state of California has passed and they can no longer sue me yet they continue to call, mail and harass me.
on XXXX XXXX they suspended my account saying it was a charge back from my funding soues which it was not i could notb access my account at all no statement no online no information in reference to the the section 22 D could not proof this happen still have n't sent me my money i sent them documentation this did not happen still have my account block
Equifax 's inadequate security of MY DATA has lead myself to be at significant financial and personal risk. They have been hacked and my address, name, SSN, credit card numbers have been exposed to the dark web, and they did n't notify us until a MONTH LATER! The executives sell off stock before announcing it to keep their own money, while we are the ones put in serious turmoil. Absolutely horrific failure.
I called XXXX XXXX XXXX and asked them to stop calling me at work. They asked for my phone number so they could take it off of there list. Well, they stopped calling that particular number. They must have gone on my company 's website and found other numbers and its unclear to me which numbers they are calling now. They asked to verify my employment and gave out the last XXXX digits in my social to my coworker and they told her that it was for a garnishment. It bothers me that the continue to call me at work after I told them they were putting my job in jeopardy by continuing to call. What is even more frustrating is that I have never given the student loan company my work phone number. That means this third party company researched and found my number!
I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
I had an account with Bank of America. I had applied for a job on XXXX like I always did and they were legit jobs that I actually worked. I applied for a XXXX job online and recieved a check that was said to be my advanced pay for the job I was going to start. To make a long story short I deposited the check in my account not knowing that it was a counterfeit check so instead of Bank of America notifying me they closed my account and put fraud on XXXX. I had no idea the check was fake because it looked real had the water mark on the check and all. I 'm trying to get the issue resolved due to the fact that I 'm trying to buy a home and would like to open an account with a credit union but ca n't because they stated it will never come off the report I do not have anything on XXXX
I was approved for a short sale with my Lender Ocwen on XXXX/XXXX/XXXX and have the approval letter for the short sale from Ocwen and a copy of the Final HUD-1 closing statement showing I was the seller. However, I have proof that XXXX is reporting this as a foreclosure on my credit report. This is reporting in error as this was NOT a foreclosure it was a short sale which only has a 4 year waiting period after the short sale to get qualified for a new home. I am trying to purchase a new home and because of XXXX reporting Ocwen as a foreclosure I am unable to get conventional financing and purchase a new home at this time. I need to get Ocwen to fix this with XXXX
Disputed some information, I received a letter from the creditor saying they did not have enough information to investigate ( should have been provided by Experian ). I re disputed and ask why they were not providing information to creditor. I received a letter from creditor that I had notified Experian of fraudulent activity ( I never did ) now my credit card is on hold till I prove to them who I am!
Car Dealer persuaded me to take a loan with Capital One Auto Finance for a lower rate. I received information in the mail, but have been unable to pay the bill. There online bill payment says that I am locked out. My wife and I have spent over XXXX hours attempting to resolve this on their web site and on the phone with their customer service. We have reset passwords and we are not able to pay our bill. This has been going on for a week. It is not reasonable for a loan company to make it so difficult to pay the bill. I have been trying to pay the bill early. Imagine the people who wait and try to pay the bill at the last minute. The company has limited hours to help with these problems. Their web sit does not allow you to reset a pin ( if the web site did work which it does not ). When you contact their service representative, he is insulting and unhelpful. He implies it is your fault for not being able to use their system properly. Capital One sends information about how easy it is to pay your bill, but their system is not usable. There is no way to pay your bill. I have just now received a letter from them that we can pay be online, by phone, and by mail. I was told by the customer service rep that I could not pay by phone until the system was set up. It looks like I am suppose to pay by mail as my only option. I do not have any confidence that they will correctly process my mail payment. So I guess I need to use certified mail which adds expense that exceeds the amount of money that I was suppose to save using their loan. I can not express to you how strongly I feel that this is an unethical company.
I do n't know whose account this is so please remove this from all XXXX reports # XXXX
We recently closed a refinance loan with Bank of America. When I received the HUD-1 settlement statement, it did n't match the GFE for the origination charges. As the HUD-1 specifically states that these charges can not change, so I notified BofA. After nearly a week, someone finally responded to me, but nobody has been willing to provide a resolution to this point.
In XX/XX/XXXX Roundpoint lending raised my mortgage by {$200.00}, without notice. Upon contacting them they said my local taxes had increased. After contacting my county treasurer I realized they had made an error in the calculation. After notifying Roundpoint it took 4 months for my payment to be lowered back to what it should have been. 

At the end of XX/XX/XXXX ( I was out of town and didn't receive the letter until early XXXX ) I received a letter from my insurance company stating that my insurance had been canceled because of non-payment. I contact Roundpoint and they said I didn't have an escrow account. I have spent 4+ hours on the phone with them, but they still won't reinstate my escrow account with taxes and insurance and can't explain what happened. 

When I call the call is dropped or I'm put on hold for hours. Also all the direct lines I have been given no long work.
My short sale ( XXXX 2013 ) was reported as a foreclosure to all XXXX credit reporting bureaus, thus further damaging my credit history. After several attempts/requests to Guild Mortgage, they refuse to cooperate.
My XXXX Chase credit card changed the interest rate on my credit card from 10 % to 15 % in XXXX, I did not approve this change, they did not make clear that this was one of the changes ( unless it was buried in microtype ) When I called to ask and was told about this I canceled my card. Called back to have any rewards accrued added to my account. They wanted to send me a text to verify who I was, I told them ( because I have a flip phone ) I would need to hang up to get any texts. They sent me to security who approved me, sent me back and still they wouldn't access my account. I tried this several times over a 50 min period, even had security stay on the phone so they could speak to their assoc. and still they couldn't help.
Since XX/XX/XXXX I have been disputing the 3 credit  Reporting agencies and the collection company ( XXXX XXXX XXXX ) This is about a collection on my report, from the Company XXXX XXXX XXXX, they are collecting from a company XXXX XXXX XXXX, call XXXX XXXX XXXX in the amount {$310.00}. that I just supposedly had taken out in XX/XX/XXXX as per collection. 

On before XXXX and XX/XX/XXXX I started sending Certified Letters to XXXX XXXX to resolve it, and they return to sender without being signed. my next step was then to dispute the credit bureaus and they have been very good and deleted the collection, but Experian after taking it off my report on XX/XX/XXXX ... On XX/XX/XXXX, allowed the collection back again the exact same company ( XXXX XXXX ) same amount, in the beginning of XX/XX/XXXX. 
I have reach out to Experian sent certified letter explaining this is not my and inquired to be sent the specifics person and company and department and contract and specific way that they actually proved that this is my account. They did not sent me that proved only sent me an explanation/list of my accounts listed on the credit report and didn't remove it. 

This is the only collection account in my Report It has been very damaging and I want it gone from my record.
I filed Chapter XXXX bankruptcy that was discharged in XXXX 2015. I applied for a mortgage loan. They were unable to pull my equifax credit. I sent on three occasions my ss card and drivers license. Once my name was corrected, my credit report obtained information from someone with the same name. I disputed this information. Some has since been deleted but now it us showing public records that was once off. This has caused me great issues with my purchasing a home.
I took out XXXX cash advance loans from place called XXXX in TN, I did default on the loans bc of hardship and they have gone to a collection company called Money Investigations out of XXXX GA. I received the first call from this man who calls himself XXXX on XX/XX/XXXX at my parents house. He was screaming at me, making threats of jail time all bc I ask who he was with. Yes I got ugly right back assuming this was a scam. I contacted XXXX and found out they are contracted with Money Investigations so I called back to try and work out a payment plan, the same man screams at me again saying I was going to jail unless I XXXX him half ( XXXX $ ) I said I would try but could not come up with the money, called him back left a voice mail that I would again like to make payments. He called back XX/XX/XXXX screaming again that I committed check fraud and was going to jail and nothing but a liar. He also called my parents again saying the same things on XX/XX/XXXX ... I got on the phone and said I spoke with the local sheriff and this was a civil not criminal matter. The man calls again XX/XX/XXXX to my parents home and when my mother says I want to make payments he starts yelling at her. I have done my research over the weekend and it seems this man is actually a man named XXXX. Yes I agree I owe the debt and am willing to make payments but these types of calls are ridiculous ... ..and if he has filed papers as he said on XX/XX/XXXX why does he continue to call and harass me.
I have several queries from the same provider ( Equifax Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX ) for the following dates : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, on my XXXX and Equifax accounts. Please delete these queries immediately.
XXXX XXXX has improperly placed an invalid collection on my credit report, without even providing me proper notice of the debt or an opportunity to see its validity prior to credit reporting. They are attempting to extort money from me for a debt I KNOW TO BE INVALID by holding my credit report hostage. I have demanded proper debt validation from this company and requested the credit reporting cease until proper validation has taken place.
I opened a Citi Gold checking account in XXXX XXXX during a promotion they advertised where you could earn XXXX AAdvantage miles after opening a Citigold checking account, making {$1000.00} in debit card purchases and making one or more bill payments in two consecutive months. I met all the requirements of the offer and was told I would receive the XXXX AAdvantage miles by XXXX XXXX, XXXX. I never received any miles even after calling numerous times and being told that I would. I asked to speak with a manager and they said they can only submit a claim which could take an additional 90 days. This checking account has a {$30.00} fee each month and now I am being told I have to wait an additional 90 days to verify why I did not receive the bonus miles. I am a loyal Citi customer and have had XXXX credit cards with them since XXXX. I have an excellent credit score and I am loyal customer. I think they are false advertising promotions and not following through with their offers. Below is the code I used for the offer when I opened the checking account. 
XXXX AAdvantage code : XXXX
According to the management office of an apartment complex in XXXX, XXXX. Someone using my name ( and a false spouse ) rented an apartment sometime during the years of XXXX to XXXX. 

However, I 've been living in XXXX, XXXX since XXXX XXXX. I have not lived in XXXX, XXXX since XXXX XXXX. And I 'm not married either. 

They 're using XXXX separate debt collection agencies to contact me, and have been placing negative marks on my credit report.
i contacted credit Karma on XX/XX/18 filled out the information to include my ss # and then they blew me off saying an error occurred so i re entered my ss #. and they came back with a page that said they wanted photographic proof of documents and to send them via fax ..i tried to complain that i felt it was wrong that they took my ss # then threw a wall of XXXX in front of me and well, now they have my info and i have nothing .i did tell them i was going to file with you folks and they put up another page telling me that i had something going on with my identification they asked for photo copies of my drivers licence.?? this just seem over the top to me and im concerned they are not who or what they claim to be.. 



STEP 1 Create your account STEP 2 Tell us who you are STEP 3 Confirm your identity Validation Failed We're sorry, but the answers you provided did not match the information on your credit report. We will not be able to grant you access at this time. 
This process is necessary to ensure our commitment to protecting user data. 
We need to double-check your identity To help us verify that youre really you, we need to see photos of your ID. 

Option 1 : Verify with your phone ( recommended ) Quickly snap and send photos of your ID with your phone for instant verification. 

Continue to phone verification Option 2 : Mail or fax photocopies Follow the instructions to print and send us photocopies of the required documents. Our Member Support team will follow up with you by email ( usually within 5 business days of receiving your documents ). 

1 ) Please provide two ( 2 ) copies of Identification. You must include one ( 1 ) document from each of the categories listed below, one ( 1 ) Primary and one ( 1 ) Secondary. All documents must be valid ( expired forms will not be accepted ). 

Primary : Driver 's License or State ID Passport Green Card /Temporary Resident Card Birth Certificate Secondary : Another Primary Document Social Security Card Utility Bill. ( Address must match at least one on file with XXXX ) 2 ) Mail your documents along with the email address associated with your Credit Karma account to the following address via postal mail : Credit Karma XXXX XXXX XXXX XXXX XXXX, CA XXXX If you have any questions, please do not hesitate to contact us. 

( again. they have my info my ss # and i received this in return )