WillisBack/dataset-financial-user-claim huggingface dataset:
I pulled my annual credit report In XXXX to find a collection for Optimum Outcomes, the following has taken place since then. On XXXX17 I sent a debt validation letter to OPTIMUM OUTCOMES ( attached ) I received no response, I have proof they received it. No indication on credit report it was being disputed. On XXXX17 I sent a letter demanding they delete or send me information I received no response, I have proof they received it. Again on XXXX2017 I sent a follow up letter demanding a response, none was given. All correspondence was sent to address listed on my XXXX Report.
My husband and were in the middle of a short sale when we received notice that our home was in auction, soon after we received another letter stating that we had to move out due to out home being sold. 
Horribly upset since the bank would not except ANY offers we had and a short sale VS forclosure is a little better but WHAT DO YA DO! 
No choice we moved. 
A while Later went to get a car only to find out that the forclosure is still showing open? 
= higher intrest. 
I have spoke to United security Financial several times who referred me XXXX, LLOOONNGGG story short ending up full circle every time! Right back to United Security, EVERY TIME! 
both my husband an I on different occasions have stopped by their rediclouse, god like, draped in gold, silver, crystals and $ $ $ facility, they said they would get it taken care of ... 
long while later went in to get another loan only to find out it is STILL showing open. 
Received that loan too but yet again keep getting a higher intrest rates.
On XXXX XXXX, I opened a Capital One Money Market account and a checking account. I deposited XXXX dollars to the money marketing XXXX and another XXXX dollars to the checking account. XXXX days later, I received an email from the bank tell me to call them and they have already restricted my account. I called the number provided in the email on the next day and they told me they decided to end the relationship with me for no reason. The money was still in the account but I can not transfer it back cause I do not have access anymore. I called the normal customer service number several times but they just let me to reach the security department. I also reached the security department XXXX times but every time they just let me to leave a message and the auto system told me they will call em back. It 's now been more then XXXX week I have n't heard back anything from Capital One and my money still is stuck in the XXXX accounts. Also, on XXXX XXXX, I received from Capital One told me they believed there is a identity theft which is not true cause I 'm the person to apply, I received all the letters from them and also they deposited XXXX small amount of money for verification which I found it in my external account and enter it on the website to open the account.
On  XXXX   XXXX ,  XXXX  I submitted a lette r to Ability Recovery Services request ing validation of a past debt . Ability Recovery  Services acquired a collection account from  XXXX   XXXX  which claimed that I owed them {$410.00}. I have since contacted  XXXX   XXXX , requesting debt validation, the company mailbox is closed, and the account is also closed. In  XXXX   XXXX ,  Ability Recovery Services offe red to settle the account at a 20 % discount. On  XXXX   XXXX ,  XXXX , I paid {$330.00} via credit for a debt your firm claimed that I owed. On  XXXX   XXXX ,  XXXX , I received a letter from  XXXX   XXXX   XXXX   XXXX , with reference account #  XXXX , and the same creditor of  XXXX   XXXX   XXXX ,  XXXX , stating I owe them {$82.00}. That account number of #  XXXX  is the same account number listed on a letter I received fro m Ability Recovery Service  on  XXXX   XXXX ,  XXXX . Now, if I paid  Ability Recovery Services w hy is  XXXX   XXXX   XXXX   XXXX  attempting to collect the balance of the same debt for the same creditor? Ability Recovery Services is refusing to remove this item from my  XXXX  credit reports and holding me accountable for {$82.00}.  XXXX   XXXX  sold the account t o Ability Recovery S ervices, transferring my information without my knowledge. Ability  Recovery Services s hould have proof of this debt, to provide me. I requested a debt validation, and as on  XXXX   XXXX ,  XXXX , the company has failed to response to my notice. I have a copy of the digitally certified mail delivery proof showing my registered letter was delivered. All I am asking for is the proof of the debt, under the Fair Debt Collection Practices Act, I am entitled to this proof. If they do not have this proof, they will need to refund me back my money, and I will seek legal actions.
Capital One is trying to sue me after 8 years I collected the debt in XXXX ( SOL 6 years ) Moved to XXXX 5 years ago ( SOL 6 years ) XXXX has a borrowing statute So in XX/XX/XXXX it will be a total of 8 years
I told them that they are not licensed to collect a debt in my State of Hawaii. And that they should cease collection including verifying with the bureaus and removing themselves from my credit reports as they are committing a crime against a consumer by not being licensed to collect any debts in my State. They ignore the facts and continue to blemish my perfect credit with their illegal tactics. They also have failed to respond to my letters for them to validate this debt! I guess it 's because they are breaking the law.
Capital One is showing on all three Credit Reporting Agencies I owe them {$300.00}. I owe Capital One Nothing. 

The credit card was paid in full on XXXX XXXX, 2017. Capital One has been charging Bogus and Fraudulent charges every month to come to the the amount of {$300.00}. My account with them should show paid in full with no balance owed. 

Capital One is messing up my credit and bringing my credit score down. I want you to get them to take this off my Credit Report at all Credit Reporting Agencies. 

Waiting for your reply. 

XXXX XXXX
I received an electronic check from XXXX XXXX XXXX 's an echeck to be more up front from them it had JP morgan chase bank endorse on the check. I verify through there website several times chase would n't accept it they even called the police on me and told them I wrote ah bad check after going through two chase banks were I was totally disrespected and not even help once I was able to deposit the echeck it went through and it was returned ahead few days later saying that the account was closed and XXXX closed my account because of it I received ah substitute check from XXXX and nothing I can do with it because that account was closed after doing my research the check is still valid and I Have the person who name is on the account real name I want to know how is a closed account from chase still valid and I also want a refund
Experian has 3 inquiries on my report that I did NOT authorize and these creditors do NOT have a permissable purpose under Section 604. Again, I DID NOT AUTHORIZE the following inquires : XXXX XX/XX/2018 -- - XXXX XX/XX/2018 -- - XXXX XXXX XXXX XX/XX/2018 I am requesting under the law for them to delete the above inquiries
Upon XXXX and starting my job, I contacted Navient to begin repayment of my loans. The representative stated that I could not begin repayment until the grace period was over ( an additional 5-6 months of interest accrueing ). I asked if the representative was sure of this, and she reiterated that I would not be able to make payments on the loans yet and that these terms were agreed upon in the loan contract.
I have been fighting with my servicers for a number of years in regards to my mortgage. I say servicers because I have been switched around from one servicer to the next over the past couple of years. My present servicer is Select Portfolio Servicing which I will refer to as SPS. I am completely frustrated with SPS. It appears to me that they are totally ignoring laws, rules and regulations that they are required to adhere to. After much research, I decided to mail SPS a Notice of Rescission, cancelling my deed of trust and debt. I mailed them the letter on XXXX XXXX, 2015 and they received it on XXXX XXXX, 2015. It is my understanding that Congress enacted the Federal Truth In Lending Act ( TILA ) to be self-enforcing. Upon mailing of the letter, TILA automatically extinguishes the lien and the liability of the lien. The security interest is void and of no legal effect irrespective of whether SPS or the true creditor makes any affirmative response to the notice or not. The voiding of the security interest is not a procedure in a step to be followed, it is automatic by operation of law. Because the notice of rescission is self-enforcing and the deed of trust is canceled by operation of law, there can be no legal foreclosure. Because there can be no legal foreclosure, any and all foreclosure against my property currently ongoing must be canceled forthwith. The auction currently scheduled for XXXX XXXX, 2015 must be canceled immediately. Under TILA, SPS, or the true creditor, had twenty ( 20 ) calendar days to dispute my rescission letter by filing a declaratory lawsuit against me. SPS nor the true creditor took any action against me. Since they have failed to take any action, SPS and the true creditor, have given up all rights or claims for the money they allegedly loaned to me. They have waived any all defenses to the rescission and they are now in violation of Federal law. Under TILA, my debt is not only unsecured, but it is eradicated starting with the rescission notice and ending with their failure to comply with TILA within the twenty ( 20 ) calendar day period. If the rescission letter is self-enforcing, it bewilders me why I have to go through such measures for them to abide by the law. Under TILA, SPS had to take mandatory steps, one of which was to provide me with a release of my mortgage and the other was to refund me all proceeds resulting from my loan. They failed to follow these mandatory steps. I am writing this complaint because I am actually mortified by their blatant disregard for the law. I respectfully request that you immediately review this case in critical detail and inform SPS of their wrongdoing.
On XX/XX/2018 my mortgage company ( Loancare ) reversed one year of mortgage payments and additional principle payments and showed my account as 12 months past due. My principle owed went up to where it was 12 months previously. After a month and 4 phone calls, they concluded my account was fixed. During this " resolution '' time period, the company did not honor my pre-set auto payment plan ( without notification to me ) and once again showed my account as past due and applied a late fee charge to my account. After 2 more phone calls and escalations, they accepted my payment and said they would wave my late fee. This was on XX/XX/XXXX and my account still show a due late fee. 

I have since called again as, after their modifications to my account, as my outstanding principle on my XXXX statement is HIGHER than what was on my XXXX statement prior to their incorrect activities on my account. I was told that my issue was being passed to another department and I would be notified of the status. No additional activities have taken place that I've been made aware of and my account still shows a higher principle balance owed in XXXX ( {$210000.00} ) than it did in XXXX ( {$210000.00} ), despite never missing a payment AND applying additional principle payments. 

I submitted a request via email to their customer service department ( I wanted to document the communication ) requesting a fix to my account and a description of the activities they have performed so that I can feel comfortable that my mortgage has been correctly handled. I have followed up 3 additional times and have yet to hear anything at all from my original request despite automated acknowledgement of receipt of my communication. 

I am not confident that Loancare is handling my loan properly and that all the payments I've made since loan origination have been applied to my account. I also want to be sure that I was not charged additional interest due to the missteps of Loancare.
I have made numerous attempts requesting the validation of debt. I have requested on writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed. I have not been given enough information to validate debt.
My name is XXXX XXXX and I an XXXX  member of the United States XXXX. Between XX/XX/XXXX and XX/XX/XXXXmy identity was compromised, and numerous items were taken out in my name, Helvey & Associates has been notified by the armed services identity theft division of the breach yet is still reporting a balance of {$1300.00} for electric services with XXXX XXXX that I never took out. Please have XXXX XXXXXXXX XXXX remove this item from m XXXX, XXXX, & XXXX report.
Got a loan threw XXXX XXXX and the I got laid off at work I called tryed to work something out so they didn't want to help me so I stopped paying it now I get call all day with threats I'm goin to jail and I got warrants and loan was for XXXX now they trying to make me pay over thousand dollars my family gets all the calls to and threat my parents with about me going to Jail that they r goin to have investigator go to my work it stress me out so much I always feel sick and worried that someone going to show up to my work I got like 6 other loan company doin the same thing I can't remember there names or phone number I get loan calls all day it's like being harrassed it's embarrassing
I had initiated a dispute with Equifax on XX/XX/2018 due to XXXX XXXX XXXX reporting an inaccurate balance for a creditor that had been settled with. Its been 4 months which is well over the alotted time for a company to respond to a dispute before it has to be removed by the reporting credit bureau. I called to inform Equifax of these facts and they claim to not have any record of my XX/XX/XXXX dispute even though my credit report indicates that it is in fact in dispute with the comment " consumer disputes information ''. After requesting that it be removed per FCRA laws they refused and only offered to place it in dispute once again. My credit reporting is being marred by the debt collector with misinformation and by Equifax for not using due diligence in deleting it from my report for the debt collectors failure to respond within the alotted time frame.
I have 2 loans with XXXX XXXX in XXXX, PA ( formerly known as XXXX XXXX XXXX XXXX ). I am having issues paying on the larger payment loan ( $ XXXX/mo ). I have done my best to keep up with the payments but due to illness and income issues, I have fallen behind and a friend brought me current 2 months ago. Because of communication problems with XXXX, it was established that my account was only to be handled by a manager, however, today a rep from XXXX  showed up at my residence demanding that I bring the account current and requesting a post dated check. When I told her my bank does not allow me to issue checks unless I get them preauthorized ( to guarantee funds availability ) she became abusive and harassing. I believe I have legal protections that shield me from being harassed or abused about the debt and I need help in getting this practice stopped. They have already discussed personal information about the debt to a non-authorized person and this needs to be stopped, as it is unacceptable. 
Any assistance you might provide is appreciated. 
Respectfully, XXXX XXXX
I recently opened a saving account with USAA and has deposited {$2000.00} in it. But I ca n't withdraw money from the account because USAA said I did n't provide proper proof of address. I have sent multiple proof of address and other documents to USAA and called its customer service at least six times, and it promised to call me back ; but as of today, it has never called me back and I still can not withdraw any money from the account.
The interest rate is 7.5 percent, which is so high I 'll never pay this loan off.
I have inquiries on my credit report on XXXX  that does not belong to me from XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CAPITAL ONE and XXXX XXXX XX/XX/XXXX and ive reported this to them on numerous occasions as well as sent in police reports and they refuse to take them off. I also have and XXXX/XXXX account on my XXXX in the amount of {$1400.00} that does not belong to me and is showing that is a late payment from XX/XX/XXXX.
Talked with company, told the situation company contacts me on my cell but is now calling my work number. This is federal government number. All calls are monitored and recorded through my work line. We are not to receive or make calls out side of work at work. Contacted on XX/XX/2017 at XXXX. They can not call my work number leaving voicemails. I have a cell phone number it is XXXX. I have spoken with them and they know my phone number.
On XX/XX/XXXX at XXXX I called Bank of America to try to settle a debt. The offer was {$8300.00}. I asked if I could have until Friday ( XX/XX/18 ) to decide. Bank of America said yes. They also said if I decide I would have 63 days to come up with the {$8300.00}. 

I called today to accept the offer and make a payment. However, today they said they the settlement is now {$13000.00}. Whatever happened to offer and timely acceptance? Are banks held to some other standard than the rest of the world? 
They acknowledged they made an offer of {$8300.00} good until today, but I guess they can do whatever they want. Thank goodness the government watches out for such consumer abuse and makes a wrong a right!
Hello my name is XXXX XXXX XXXX. I have tried to fix my name as I showed it appears as XXXX XXXX XXXX and XXXX XXXX XXXX my birth name is XXXX XXXX XXXX but I got married 3 yrs. ago never used the name previously mention. I am trying to purchase a house and that 's how I notice I have different inquires from different companies I have never inquire an account and also different dealerships I have never applied for. Please help me as I mention before I am trying to get a house. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX / ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ID XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NM XXXX / ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
The addresses is reporting incorrectly on my report.I have no knowledge of any of these addresses other than my current residence, XXXX XXXX XXXX XXXX CT XXXX. 
this has been my address for 10 years.
I applied for the XXXX XXXX XXXX based on their offer of no annual fee and 0 % interest for military service members. I was approved for the card and confirmed th details of the offer at time of activation. Last year, I received notice that the offer would no longer be honored and I would be charged the annual fee of {$990.00}. I contacted the company to inquire why it was changing its terms and complain about this unfair practice, but was neither given an explanation nor offered a way to work through the change in terms. In essence, the company is forcing a previously undisclosed payment of almost {$1000.00} or pay-off of the entire balance. 

I am aware that other military personnel who found themselves in this position with the XXXX XXXX XXXX program have filed CFPB complaints and have been granted a fee exemption until end of XXXX XXXX XXXX. I respectfully request the same consideration as a XXXX XXXX on XXXX XXXX.
The wording surrounding the terms of the loan were very confusing and did not make sense. I would not have accepted a {$500.00} loan for a total payment in fees of over {$3000.00}.
Per new credit law on XXXX XXXX, 2017 ; all public records that are missing or have invalid information would be removed and mine has not yet. Chapter XXXX Bankruptcy is still reporting on XXXX inaccurately.
This title loan was initiated in XXXX due to the death of my spouse 's XXXX XXXX XXXX XXXX XXXX. The veterinarian bill reached {$10000.00} and we have initiated loan assistance three times from Keep Your Home California, and received help twice. The last time was in XX/XX/XXXX due to hardship related to XXXX XXXX related expenses. 
The loan with XXXX, no matter what they have request as payment ( it changes monthly ), we also pay an increased amount of {$800.00}. The average decrease in our loan is barely $ XXXX {$250.00} per month and after paying on an approximately total loan amount of {$9000.00}, our loan still sits at {$7500.00}. 

My wife has a new XXXX XXXX and I have an XXXX XXXX XXXX ; we are both XXXX, XXXX, and I am a 10 % XXXX veteran ( still attempting to get help for XXXX XXXX related XXXX XXXX & XXXX  ). Because of this loan we have almost lost our home twice, have often gone without food so that we could feed our XXXX XXXX and XXXX. Our home is in need of repair and our automobile is a XXXX in need of repairs and new tires. We are at a loss as to how to pursue help to drop the interest on this loan. Thank you.
Good Evening... I am XXXX grad- student at XXXX XXXX University of the year XXXX. There had been a garnishment put on my student loan by the company NAVIENT IN XXXX. They are taking out XXXX then and now.. The amount of the loan has been met. But the company refuses to let go of returning money overdrawn now.. This amount is XXXX. The amount of my social security that I get now is XXXX the amount of increase for the new year allows me to receive now, XXXX This is the amount that is suppose to be going into the account, but is not.. The Department Of Education is garnishing XXXX still.. I tried to go into the social security office to tell them that the garnishment was still being taken.. they put it under investigation in XXXX It was found from there treasury commission office that they were at fault and needed to cease the garnishment.. But they never did.. My bank whee my deposit goes thru says that the money is being taken after it leaves the social security office.. So, please help me with this issue.. This garnishment has been taking place for over XXXXyears..HELP!!!!!
About the last 18 months or so I've noticed a bankruptcy on my credit report in a state Ive not lived. Also there were 3 accounts opened in a credit union that I don't remember ever opening. I've tried to deal with this company for months without a resolution. I even sent an affidavit to the NJ courts and asked them if they released any information about me to the credit bureaus after I asked them to launch an investigation. The bureaus said they verified the information to be accurate, how could they do an investigation and state it was mine and the source said they didn't send any information about my name to anyone. The bureaus or any other 3rd parties. I wasn't sure if this was identity theft but I filed a police report because my  wallet was stolen a few years back and I had social security card, birth certificate, and driver 's license in side of it.