WillisBack/dataset-financial-user-claim huggingface dataset:
This is a paid debt that we are trying to get the collection agency to send the documentation to the court. 

My wife has been transferred XXXX miles from our home. We are trying to purchase a house. We are unable to do that because the bank needs the court documentation that the judgment is satisfied. Our debt was paid in full on XXXX/XXXX/XXXX yet, their records claim XXXX/XXXX/XXXX. I have contacted the office as to the procedure followed in providing the court with the information that the debt has been paid. There is no procedure, which is surprising as your website indicates : " XXXX XXXX XXXX XXXX, XXXX. began XX/XX/XXXX. Since that time, the firm has become one of the debt collection industry 's leading law firms. Known for successful recovery rates achieved while maintaining the highest standards of professionalism, compliance and training, our firm offers premier levels of service and excellence. '' I should think that the highest " standard of professionalism '' would include a process for timely notification of debt repayment. It does not. On XXXX/XXXX/XXXX, my representative from XXXX XXXX contacted their office and the representative was again unable to provide any assistance with regard to notification to the court. I have explained my situation, I have sent them a letter indicating my next steps to file complaints with consumer protection. 

While it may not help to resolve my issue, perhaps it will benefit others.
Have had a Citibank credit card and mortgage for years. Have never been late on either. I changed bill pay providers, causing a late credit card payment by one day. I asked if the late fee could be waived. I was rudely told no, appealing XXXX. Was {$35.00} really worth losing a customer with this much business?
TransUnion XXXX Relations : 1 ) XXXX XXXX ( XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX (XX/XX/XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) Transunion (XX/XX/XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX XXXX (XX/XX/XXXX) " DIDNT AUTHORIZE '' ( UNPROVEN )
Debt collector refusing to send validation of debt. 

Debt Collector also still calling AFTER I told them I was contesting the debt and that they need to send validation of said debt.
There was an unauthorized cash withdrawal from my checking account at Citibank on XXXX XXXX, 2017 for the amount of {$1700.00} ( XXXX XXXX, XXXX XXXX XXXX dollars ). Since I did not withdraw this money and I 'm the only person on this account I contacted Citibank as soon as I discovered this transaction on XXXX XXXX, 2017. I requested an investigation of this transaction and Citibank just sent me a letter dated XXXX XXXX, 2017 stating that the disputed transaction was not fraudulent. I did not do this cash withdrawal from my account. Previously, on XXXX XXXX, 2017 I had written a check for {$1700.00} the exact amount of the cash withdrawal, but called Citibank to place a stop payment on it. ( I 'm attaching stop payment confirmation letter from Citibank ). If Citibank paid for this check, then, it is their mistake. My checking account records do not show that this check was cashed either. My records indicate that the withdrawal was done through a teller at a bank and it was a cash withdrawal.
I have repeatedly notified Navient that the amount due and owing is incorrect. I have long suspected padded charges since the original loan changed hands twice. XXXX and XXXX specifically. I have NEVER attended one of schools reporting. I never took any funds nor signed any loan documents from this institution. Navient refuses to recalculate these amounts. This is fraudulent.
TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE NOT MY ADDRESEES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I have got a lot things on my report that are not mine my identity was stolen years ago and I disputed the items they were removed and returned i tried to dispute them again and now it tells me that I do n't have a credit file i sent copies of bills drivers license social security card a now i am lost please help
I am a victim of predatory lending by Chase Bank. I was preyed upon by a Chase loan officer following an accident, XXXX and XXXX. He talked me into consolidating my existing mortgage, line of credit and other debts into a ridiculously unaffordable and impractical 10-year interest-only mortgage that would then become a 30-year variable rate mortgage. In effect, I would have ended up paying off my house three times. 
I realized this within a month and contacted Chase, asking to convert the loan to a 30-year fixed loan, eliminating the 10 years interest-only portion, which would have saved me many many thousands of dollars. They refused to work with me in any way and were completely unmoved by my medical condition and inability to pay off this loan. I know for a fact that the loan officer, XXXX XXXX, falsified documents to secure approval of this " no-doc '' loan. 
Ultimately the sheriff showed up and gave me two weeks to vacate. There were no legal papers served, no notifications or warnings of any kind. 
New York is a judicial foreclosure state, meaning that any foreclosure must be approved by a judge. There were no hearings, no attorneys, no court appearances, and therefore New York State law was not followed. 
In effect, Chase stole my home from me without due process. 
I have contacted them numerous times, and quite mysteriously, all of the documents supporting my claim are " unavailable. '' XXXX XXXX is no longer employed by Chase, and they are unwilling to discuss a settlement of any kind. 
I believe I am legally entitled to some form of restitution for their unlawful actions. 
I have many documents to support my claim.
My loan servicing company XXXX XXXX ( Stearns Lending ) is constantly increasing my monthly mortgage payments every few months. The reason for the increase is due to underpayment of escrow. I just do n't understand how my escrow account is short every few months and without explanation I am required to pay this amount. Soon thereafter, the payment decreases for a few months, then it increase again. This is ridiculous. Most people leave on a monthly budget and this makes it unfair to continue to fluctuate payments so frequently.
There is a collection listed which is outdated, false and not verifiable which is ARC for XXXX
Equifax changed the name on my credit file after XXXX fraudulent credit application. The name used on that fraudulent application was incorrect and not a verified alias. They refused to change it back to the correct name when I reported the identity theft to them unless I submitted a copy of my social security card, but did not offer a secure way to do that. They informed me that if I applied for credit using my correct name they could change it back, but a valid police report was not acceptable to fix it. The person that fraudulently used my social has continued to open accounts and even accessed my existing accounts. I believe this theft may have been unintentionally aided by the incorrect information at this major credit reporting agency. I have not been made aware of Equifax doing any sort of investigation into this matter.
I was on an Income Based Repayment plan in XX/XX/XXXX with AES. In XX/XX/XXXX I had to submit new paperwork for a XXXX Income based repayment plan which was submitted on XX/XX/XXXX. On XX/XX/XXXX I lost my job. I called AES and the person I spoke to said I could file an  emergency application due to unemployment. That request was approved and my monthly payment was set at {$0.00}. I logged on to my AES account today and it showed that I am 25 days past due on {$150.00} + {$9.00} on a late fee. I called to ask how I could possibly be late on a payment since I was unemployed since XX/XX/XXXX, and was approved for an emergency recalculation of income based repayment that was set at {$0.00}. They said that because the original application that was submitted on XX/XX/XXXX was approved before the emergency application, I owe for XX/XX/XXXX 's  payment. That is ridiculous. 

2 separate AES representatives refused to correct their errors.
Reference Complaint No. XXXX ( Navy Federal Credit Union ) Navy Federal Credit Union sent me an amortization schedule for my loan which was not my request. 

As there is a $ 1,999+ balance on my loan although all the scheduled payments have been made and the loan has matured, I requested the following information : 1 ) The " late charge '' total represented in the remaining balance 2 ) The total amount of interested represented in the remaining balance 3 ) Whether NFCU has charged me interest on their late charges 4 ) Whether NFCU has reported the late charges ( their profit ) to the credit bureaus as late payments I think I have a right to get this information and the amortization schedule they sent does not list items 1-3. 

XXXX XXXX XXXX XXXX
I took out a loan through XXXX XX/XX/XXXX. I have been contacted by a law firm in XXXX called Jonathan C. Frank & Associates, saying that I owe {$700.00}. I live in XXXX and this company is in XXXX. I contacted XX/XX/XXXX, and my debt was sold to XXXX XXXX XXXX ... and the debt was for {$500.00}, verified by XXXX, and XXXX. XXXX XXXX XXXX told me that they sold it on XX/XX/XXXX to XXXX XXXX XXXX. I never received anything via mail from any of the creditors, let alone from a law office. I was told that I had to pay in whole over the phone or set up payment arrangements, or further action would be taken. The only person who has contacted me from this law firm is a woman named XXXX XXXX. They sent me an electronic agreement to sign and scan back, but on the paper it listed XXXX XXXX XXXX ... which is based out of XXXX. None of this makes sense since I am in XXXX. I have not paid anything, nor did I sign the agreement after cancelling my credit card, thinking it might be a scam. They automatically asked for my financial information over the phone, and never gave me the option of disputing the debt. This law firm has my SSN, address, full name, etc.Since I cancelled my card causing the XX/XX/XXXX payment to not go through, they were proceeding even though I never signed the agreement, I have received numerous messages about how I forfeited the agreement, and further action will be taken without my involvement.
My name is  XXXX   XXXX   XXXX  and I applied for a loan on  XXXX   XXXX  with LENDING CLUB CORPORATION. After having a dispute over my monthly payments I defaulted on the loan.     I launched an  XXXX  dispute which I 'll include, since I was confused about my actual balance According to my credit report lending club reported  XXXX  on  XXXX   XXXX  as my CHARGED OFF balance. Since then I contacted This company on  XXXX / XXXX / XXXX  and they provided me with a charged off amount of {$5300.00}. So clearly my balance was adjusted even though I did not make any payments during that period.     NOW, my real issue is my current balance as of  XXXX / XXXX / XXXX  is {$4700.00}, with a past due amount of {$780.00} and every time I call, this lender will give me fluctuating balances.     I made  3  payments in  XXXX  and requested a monthly statement they expressed no monthly statements are provided on a Charged off loan. I refused to make anymore payments until I received an accurate amount but again this is hurting my credit even more.     Can you help me request monthly statements from this lender. Then an updated amount as payments are received would also be nice. I feel like I 'm being robbed based on their unfair practices and they refuse to creat e paper trail.    Thank You.
This is a complaint regarding information the Equifax Credit Bureau provides to creditors. For the past several years, Equifax has continually and deliberately provided incorrect and insufficient information about my credit status to potential creditors. They have been reluctant and obdurate in correcting this matter despite my repeated attempts of informing them of the required changes. I have attached for your reference, copies of previous complaints for the years XX/XX/XXXX and XX/XX/XXXX, which were filed with the Consumer Financial Protection Bureau ( CFPB ). 

I was recently denied credit, once again, by a brand name XXXX XXXX for a revolving credit account. Upon learning of this decision, I proceeded to register for the first time on the XXXX XXXX   App to see why my credit was so bad ; prior to this I had thought that my credit status was fairly good. I was shocked to discover that Equifax gave me a score of XXXX, while XXXX gave me a score of XXXX. The App explains to the consumer that if there is a large discrepancy between scores from different Credit Bureaus then the consumer should investigate the issue. My investigation resulted in discovering that Equifax scores me on 5 total accounts whereas, XXXX scores me on 13 total accounts. Anyone can clearly deduce that the XXXX score is the more accurate one, since it is based on a larger and more recent data set. I have attached copies of the XXXX XXXX screenshots regarding my credit health for your examination. I have also provided these copies to Equifax and the entity that denied me the credit, XXXX XXXX, which incredibly states in their letter that my score is XXXX as of XX/XX/XXXX, and that they consulted Equifax. I am incensed that there are two different scores being reported by Equifax during the same month and year. From this entirely long and drawn out experience it seems to me there is no accountability at Equifax and they can damage peoples credit whimsically. Now, it also appears that their right hand doesnt know what their left hand is doing or worse there is deep-rooted corruption involved. 

Furthermore, both in the XX/XX/XXXX and XX/XX/XXXXcomplaints mentioned above, it was clearly requested that Equifax remove outdated information and provide additional positive information, which it has deliberately failed to do on both occasions. Some time ago, it was explained to me that some credit lenders and other institutions do not have a financial agreement with each of the Credit Bureaus so not all of the consumers information reaches each Bureau and I surmise that this may be the case here. However, I now question how fair can this situation be to the average consumer ; if a Bureau is not required to provide information from a non-subscribed or non-paying credit lender, then the  consumers data becomes biased and is inherently inaccurate. I believe this complaint has merit because of this quid-pro-quo circumstance, which produces bias in a consumers credit data and because Equifax has failed on repeated occasions to make the corrections I have demonstrated are needed.
I have disputed debt buyer accounts on my credit reports to all XXXX agencies because when the XXXX collection and the XXXX collection were due to be removed XX/XX/XXXX they all XXXX allowed debt buyers to replace these on my credit report even though that is illegal. I want these removed immediately. I want proof of where I signed with these debt collectors, etc.
CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT Date Filed XX/XX/XXXX Issue Needing Resolution : XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX Credit worthiness has been impaired due to an antiquated system that the Department of Veteran Affairs does not comply with Federal regulations pursuant to Chapter 7, Title 11 United States Code ( Bankruptcy Code ).

Issue # 1 - Department of Veteran Affairs Loan #  XXXX was never included in our bankruptcy and was exempt even though they had to be notified as a secure creditor. 
Issue # 2 The Department of Veteran Affairs was not in compliance and should have removed said Chapter XXXX bankruptcy from our credit reports after 10 years from filing the Chapter XXXX petition. 
Background I am a XXXX XXXX XXXX XXXX having achieved the rank of XXXX and a XXXX XXXX Recipient. I purchased my home in XXXX XXXX, CA on XX/XX/XXXX for {$220000.00} and financed the purchase with a Cal-Vet loan through the Department of Veteran Affairs in XXXX, CA. On or about XX/XX/XXXX my wife, XXXX XXXX and I filed Chapter XXXX Bankruptcy # XXXX XXXX JB in XXXX XXXX, CA ( Exhibit XXXX ). On XX/XX/XXXX, we filed a Chapter XXXX Individual Debtors Statement of Intention where in item b. Property to Be Retained we reaffirmed our commitment to keep our home at XXXX XXXX ( Exhibit 2 ). 
The United States Bankruptcy Court XXXX XXXX of California on XX/XX/XXXX filed a Notice of Commencement of Case under Chapter of The Bankruptcy Code Meeting of Creditors & Fixing of Dates for XX/XX/XXXX at XXXX. The Department of Veteran Affairs did not file an objection with in their 30 day period ( Exhibit 3 ). 
On XX/XX/XXXX, The Order of Discharge Was Entered ( Exhibit 4 ). 
Our XXXX loan was paid off in XX/XX/XXXX and is still shown as by TransUnion is an Adverse Account in my credit report dated XX/XX/XXXX ( Exhibits 5 & 6 ). 
A call to the Loan/REO Division of the Department of Veteran Affairs in XXXX, CA on XX/XX/XXXX said that their system would not allow the removal of the bankruptcy even though they were notified as a secured creditor. It is not clear to us that a notification of a bankruptcy can penalize our credit after 10 years or XX/XX/XXXX when the Federal law requires it. I was advised that I would have to contact the various to credit reporting agencies remove the bankruptcy. 
In conclusion, I need the help of the CONSUMER FINANCIAL PROTECTION BUREAU as my credit has been severely penalized from the Department of Veteran Affairs since XX/XX/XXXX and its this same practice may be hurting other California VETS.
Following up with my previous complaint against Experian Credit Bureau, Experian response was l did not mention specific account or other. Well, Well this is what Experian has been doing to me playing games, using stall tactics and RED TAPES to slow walks my issues, because they are cohort with the banks that reporting inaccurate information on my credit profile. I am absolutely certain that ; l sent numerous copies of my social security card, Driver license, utility bill and bank statement. Well the following accounts does not have correct information especially name and address reporting does not match my name or address ... see below Reason for Dispute : Account Numbers : - Creditors : Incorrect name XXXX XXXX Incorrect name XXXX XXXX Incorrect name XXXX XXXX XXXX Incorrect name XXXX XXXX XXXX Incorrect name XXXX XXXX XXXX XXXX  Incorrect name XXXX XXXX  Incorrect name XXXX XXXX XXXX XXXX Experian Credit Bureau reporting information that they know to be inaccurate, and failing to report information correctly, they continuously violating the FDCPA and the Fair Credit Reporting Act.
RESPA VIOLATION. I have requested SunTrust to supply original loan documents under my legal rights. A representative of SunTrust signed for my written request and as of today 's date I have not received my QWR AND RFI. The response was the have not had my loan for 13 years and I signed the '' fraudulent '' documents. The actions of SunTrust broker is costing me financially. I am asking for CFBP TO enforce my RESPA RIGHTS. I NEED the original HUD Forms. GFE, and documents broker XXXX XXXX sent to XXXX XXXX regarding my SunTrust mortgage approval.
When I Stayed At  XXXX   XXXX   XXXX   Under Sec 8  They Tryed To Stop Me From Moving Unless They Filed An Eviction.I Took Them To Court And Judge Gave Me  15 More  Days To Move. I Did But When I Got My Sec Dep Report They Put On It Misc Owned And A Price Of   XXXX   XXXX  .When I Asked To Explain Tat Mic Charge Required By  Law.2 y rs Later When I Wanted To Move I Found Out They Placed This On My Credit Report Causing A Problem In Me Moving. I Sent Many Documents To Equifax But They Kept Telling Me That They Needed More I Did Not Understand. I Called Them Saying I Sent You All The Documents I Have And Can not Send Anymore.They Sent Me A n E ma il Saying Now I Had To Send Them A Fed Document And That They Will Not Accept Any Other Documents.I Sent All The Papers I Had Yet They Really To Me Have Yet To Investagate To Me. I See Where It Was Removed Twice By  One Credit Agency Yet Equ ifax Placed It Back On My Credit Report Knowing That It Was Removed Removed.I Asked Her Why She Said We Can Do That .Even If The Other Agencies Removed It I Said WHY? NO  ANSWER.Even Doc Bill That Are Not {$200.00} And Up Are There Too.Obama Changed That.They  Seem To Do Not Care How Much INFO You Give They Want You To Pay For A Credit Repair Agency No Matter What.
the nature of my complaint is simple, i have 6 items on all 3 of my credit reports from Tenet health,  Central financial control, original debt was from XXXX hospital XXXX XXXX. for reasons i can not answer, my father used my information on these visits in question ( I am A XXXX so we have the same name ) to XXXX  hospital. as a result, these debts belonging to my father, were summarily placed on my credit bureaus. i have made several disputes on these, both with the credit bureaus, and the collection agencies, each time they say the information is valid. i just today learned of your class action settlement with Tenet, I do not know if i can still file a claim, if so i would love to. otherwise, i may have to try filing small claims suit myself. is there anything else you folks can help me with in this matter? i have done everything i know to do, and i have done them several times, to no avail. thank you in advance for your time and consideration. sincerely, XXXX XXXX XXXX.