WillisBack/dataset-financial-user-claim huggingface dataset:
I have an unverified account from Speedy Cash I had previously disputed this account. I have never done business with Speedy Cash.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request Speedy Cash Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Speedy Cash Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I have been paying on my loan for nearly 10 years and the balance has barely moved. My loan is throught Navient and I have become aware of them being sued for mishandling loans and giving misinformation. I have been given information by this company that has not helped me pay off my loan at all. I am filing this complaint so that Navient and CFPB is aware that I would like to seek help in this matter. I have gotten nowhere with my loan and that is a huge problem.
I have worked for the same employer and have recently become XXXX and I am collecting Social Security XXXX. I have been denied loan modification on 5 occasions since XXXX 2015. The 1st because I was current with my payments and was told I needed to be 3 months behind to qualify. 2nd, after falling behind 3 months denied due to NOT being current. The 3rd denial was due to " not making trial payments on a internal modification offer. '' The modification offer was on the last XXXX pages of a booklet which instructed me to fill out firms which were already received by the mortgage company. There was no reference to any modification being included in the packet. I did not thoroughly read through the entire packet and resent the forms that I previously sent, which were the same forms the packet requested. After sending the firms, again, I followed up, and to my surprise, was told about the " modification offer ''. I went through the packet and found it on the last XXXX pages. The offer was the same interest rate and the mortgage being extended to 40 years. Although I was in financial difficulty, the offer would have saved a minimal amount of money and I felt it would only hurt my situation in the long run, knowing my XXXX. I called to discuss with my assigned rep. ( Whose name I have ), and was told I did have to accept the modification offer and by not accepting, it would allow my loan to be reviewed again for other, more helpful, modification offers. Within a week, I received a notice that I was denied for " not making the trial modification payments. '' After the 3rd denial, each time I was asked for the same documents multiple times. Each time I sent documents, through email, fax, and USPS. I have proof that all documents were received, including a documents from my account page on the mortgage company website, that states all forms required were received and the modification was being reviewed. 
I knew I was being pushed aside by the mortgage company, that for some reason was working very hard to not help me with the modification but I thought at some point they would have to make me a offer if I hung in there and kept giving them what they were asking for. After the 5th denial in 1 year and do n't know where to turn. I have a wife and XXXX children and have drained my savings and feel my hands are tied. I have always worked and provided for my family. I feel the modification were being encouraged for people in my situation, if not who would they possibly be for. 
I would greatly appreciate any help you can offer.
I purchased a used vehicle in XX/XX/XXXX, then got a divorce and my child support impacted me being able to pay for my vehicle around XX/XX/XXXX and called to voluntarily turn the vehicle in. They had the vehicle picked up and said they would send it to auction and I haven't heard from them since XX/XX/XXXX. Now in XX/XX/XXXX I receive a subpoena to court and reports to my credit that I owe them a balance of $XXXX.
We are purchasing a XXXX home and are coming close to the closing date. Several weeks ago we were told by our mortgage broker that the application was being reviewed by the appraisers and that it would likely be declined for several reasons. Everyday we ask for updates, and everyday we are told the letter of declination will come later today/tomorrow. Without the letter of declination we could lose our 10 % downpayment to the seller.
XX/XX/XXXX CFPB : XXXXXXXX sub-contractor XXXX XXXX stole, from XXXX XXXX XXXX, XXXX, IL XXXX, my plats of my Homesteads XXXX XXXX XXXX and XXXX XXXX XXXX, both in XXXX, IL XXXX, and refuses to return them to me or surrender them to the State of Illinois Treasurer under the Illinois Unclaimed Property Act. 
I need XXXX to supply me plats of my Homesteads. 

XXXX XXXX XXXX, XXXXXXXXXXXX
After my mother passed away, I was executor of the estate, my mothers home mortgage was paid in full but unknown to me there was a HELOC and I could not find the account information anywhere. When I called CHASE BANK they said their was still a mortgage, and that they had to do a title search, in the mean time they would not talk to me because I did not know the account # and/or the original line of credit. I called the columbus branch and they went into the account and could not find any of the information. The loan originated from Bank One, then to CHASE and they could not find the paperwork. While they were doing a title search they put the house into foreclosure for around {$1500.00} they served me the papers and when I called they would not talk to me because my name was not on the account - yet they had my name on the papers that was served to me. I made a formal complaint to the XXXX office, faxed all the information five different times, and there was no response and {$16000.00} later in legal fees for the foreclosure they are doing the same again. I feel this is entrapment, and an illegal processes that CHASE Bank takes advantage of for people.
I have recently learned that my credit card issuer ( Discover ) provided my credit card number and expiration date to a merchant ( XXXX XXXX ) without my authorization. Had I not reviewed my monthly statement in detail, this charge would have been incurred unnoticed. 

Since XXXX 2015, XXXX XXXX was attempting to automatically renew a subscription for a service purchased a year prior. They were unable to process the charge since my Discover card number changed the previous year ( number was stolen, new card was issued ). I contacted XXXX XXXX on XXXX to expressly request, in writing, that I wished to discontinue the once-purchased service. They acknowledged my request and said that after a time-out period the attempt to charge will cease and my account will reset. 

However, on XXXX, after apparently XXXX attempts to charge my previous credit card number, Discover provided my new credit card number and expiration date to XXXX so that they could process my transaction. I was never informed of this action. 

I do not view this as a lapse of XXXX since they considered that the issue would take care of itself once the charge failed to post after several attempts. But I have never heard of a credit card volunteering an individual 's credit card information to a merchant, or anybody, for any reason. I find this disturbing, whether it is under the guise of customer service or not. 

I have since read, and been informed, that it is part of an " Account Updater '' service that appears to exist between merchants and the credit card issuer. This " Account Updater '' service applies to special " recurring '' charges, although these are not disclosed on monthly credit card statements, and the customer has no ability to opt out of the program. I asked my Discover rep on XXXX to opt me out of the program and to no longer disclose my credit card number to any merchant. I was told that this is not possible. 

While there may be instances where this type of service benefits consumers, I find it remarkable that the consumer is not directly involved in making this decision. Instead, the agreement is made between a merchant and a credit card issuer. According to my Discover rep, the consumer authorization must be part of fine print agreements when a consumer purchases a merchant 's service, on a recurring basis only. I have not verified this, but I would certainly not agree to anything a merchant puts forth to indicate their ability to obtain updated credit card information other than directly from me. 

Ultimately the protection and disclosure of a credit card number is an individual 's responsibility and right. As such, this program should begin with the consumer and should exist between the consumer and credit card issuer. The service, and use thereof, should have no bearing on recurring service agreements between consumers and merchants. While visibility and awareness of the program would be a vital first step, I would hope to see a restructuring that permits a consumer, as expected, complete authority of their credit card information.
I would like to settle my debt with the help of a family member. However the amount of my debt is incorrect. Payments from wage garnishment are not credited anywhere, as far as I can tell. We have paid nearly {$10000.00}, but there has been no credit towards my debt. If my wages are going into a bottomless pit, instead of towards repaying my loans, that is akin to loan sharking. It should be illegal.
XXXX XXXX XXXX XXXX has repeatedly reported erroneous information to Experian about the date of credit card closure and credit limit. However, upon disputing the information with Experian, I was informed the current account information was correct. Unfortunately, different information about the dates of account closure and amount of the credit limit have been reported to the XXXX major credit bureau 's, and it is unlikely the correct information exists at this point. 

Therefore, I ask that Experian remove the closed XXXX credit card account from my credit file immediately. 

Attached to this complaint as follows : Results from the CFPB complaint with XXXX. Reported {$8500.00} credit limit, closure date of XXXX. 
Results from CFPB complaint with XXXX. Account information inaccurate, account removed from file. 
Results from XXXX dispute. Reported credit limit {$2500.00}, closure date XXXX. 
Results from Experian dispute. Reported credit limit {$10000.00}, closure date of XXXX.
XXXX XXXX XX/XX/XXXX XXXX performed an unauthorized hard pull, I spoke with XXXX XXXX XXXX and was told that they could setup services without performing a hard pull and simply needed to verify who I was. I spoke to the rep on the phone and they stated too that by going this route they would not perform a hard pull and assured me of that. They did not request my SSN. I later followed up with XXXX and the rep stated that this has been an issues and I am not the first to call about this problem.
On XXXX/XXXX/2016 I applied for a rental apartment in Maryland. The credit report/criminal search was done by Corelogic / Saferent. I was approved with with a condition. the Leasing agent found in the report found that Corelogic / Saferent has linked my Name ( XXXX XXXX XXXX ) my social security, date of birth, middle name & address I have lived over 16 years is different from the person they have Falsely reported another persons information on my credit report/background check with a list of criminal charges I have called to the Corelogics / Saferent for hours by phone and no one has answered my calls. I am unable to move in to apartment my lease is up next week! This person is not me I want it immediately removed from my credit report and for it to never show or come up again in their system. I also want a letter in writing stated that it was removed.
On XX/XX/XXXX my daughter used XXXX to pay me back {$100.00}. I have the confirmation from her bank, XXXX XXXX. Unfortunately, she had a typo in my email address, but I called XXXX before we knew this and they said they did n't have anything and that it would take 3-4 business days anyway. The money was returned to my daughter on XX/XX/XXXX. On that same date at XX/XX/XXXX at XXXX XXXX XXXX, she resent the money. The confirmation code from XXXX XXXX is XXXX. 
I have been waiting since then. I called XXXX on XX/XX/XXXX and spent 90 minutes on the phone - 45  minutes with the person trying to help me get the app up on my phone and then another 60 minutes  on hold with their " advance support. '' The XXXX case number is XXXX. I gave them ample time to transfer the money. As I XXXX them, I find I 'm not the only one having problems. My thought is that this company should n't be responsible for handling currency transfers if they do n't have it together. I want my money. 
Today, XX/XX/XXXX, I called again, waited on hold for 40 minutes. I spoke with a representative and she wasnt able to help and, as usual, the questions, Are you sure you used the right password? Did the sender put in the right email address? Then it was we have to escalate this to the next level because your account has been locked because of the attempts to get into it. When I asked where my money was, they said it wasnt in my account and that, we dont know where it is, but your daughter can cancel and resend. This is unacceptable.
6 Merchants withdrew from our bank account during the 2018 year without authorization a total of {$16000.00} via repeated ACH withdraws. These merchants are XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX. I noticed these withdrawals in XX/XX/XXXX and reported them to the Bank. The Bank filed 6 claims but later decided that these claims are subject to the 60 days grace period rule. Which means all these losses are my responsibility because I did not notice or report these unauthorized withdrawals in the first 60 days. The Bank refused to provide any assistance to recover these funds from the six merchants and refused to supply any information about the merchants legal information. Although many of the withdrawals meet the 60 days rule, namely, reported within the 60 days of the frauds occurrences, the Bank did not follow Consumer Protection Regulations regarding ACH, outlined in 1005.6 Liability of consumer for unauthorized transfers. The Bank did not even attempt to recover the withdrawals from the merchants. The Bank advised me to contact the merchants. After contacting the merchants, the merchants requested that it is the Bank that should report and recover the funds. 
It is also important to note that two of the withdrawals happened a few days after I reported the frauds in XXXX and after the Bank Branch manager confirmed with me they will fully control my account and promised that XXXX  withdrawal be refunded. 
Before the above six frauds happened, a seventh merchant, XXXX, and as early as XXXX XXXX withdrew via ACH four payments and after reporting the claim, I recovered these funds, however, the Bank did not warn me or advise me that XXXX withdrawals were fraudulent. If the Bank warned me about ACH fraud or advised me to take measures in early XXXX, all these frauds could have been avoided. 
All along, I assumed that the Bank uses a formal process to authorize ACH withdrawals and request a written authorization or any sort of form to prove that ACH transactions are approved by their clients. Many other merchants who legitimately withdrew monies from our Bank account have followed a formal process to withdraw monies.
I sent a report to this credit bureau over a month ago to resolve the credit report from inaccuracies being reported on my credit report and the last letter i received from TRANSUNION, XXXX XXXX have not resolve the issue from the previous XXXX investigation the XXXX report has not been removed for inaccuracies. The lender that allegedly gave me a lawful loan for the automobile had no consideration for a contract to be enforceable and valid or full discourse of meeting of the mind. Therefore the investigation is not completed as satisfactory. This is the final notice before i sue for willful violations of the Fair Credit Reporting Act that remain on my credit report are in of XXXX XXXX XXXX XXXX.
They have done several of the above including but not limited to : Continued attempts to collect debt I do not owe as debt was paid or debt is not mine. All my debts for any XXXX work were paid in full by myself and my insurance. The only XXXX I have used was over 4 years ago. This company put on my reports that I have a open account currently it opened XXXX 2016, it is a flat out lie and falsifying information or they have the wrong person. 

Disclosure verification of debt, I did not receive any letter with my right to dispute, they put it on my credit report and I had not idea of the allaged debt, I wrote them a letter and it was certified and they did not respond with enough information or what the debt is owed for or when it was allegedly late or not paid. 

False statements or representation : They are attempting to collect a wrong amount as all my XXXX bills have been paid in full.
Elan financial prepaid card account has reported 3 late payments to the credit bureaus two of which are false and the other is their error. I have written them emailed them and called them, but they will not even let me talk to anyone that can straighten it out. This is keeping me from buying the house I want. I have perfect payment history on all my other XXXX accounts. This was a clerical error on their part
Transworld is representing XXXX in a collection claim that I owe over {$1800.00}. The charge is for a {$25.00} per month instrument rental in late XXXX and the last bill I viewed was for under {$200.00}. The instrument was lost and then found. I returned it in good condition to XXXX in XXXX XXXX. I have receipt of return. I asked for an itemized bill to view the charges, and Transworld replied they do not have one. They said they will try to get XXXX from XXXX but can not advise if or when they will have a summary of the charges. Transworld refuses to provide direct contact information to me so I can have a legal representative request a bill on my behalf in writing. I asked for an email address or contact name an phone number so I can have my lawyer request the information and Transworld 's response was : give me your lawyer 's name and phone number and we will call him ( XXXX XXXX with Transworld ). I called back and gave the answering rep. my lawyer 's name and the new rep refused to discuss the matter further.
My Loan was originally with XXXX XXXX and in deferment, XXXX XXXX stated I defaulted on the loan and sold it out. Now the loan is in Nelnets hands and I have seen the principal go up and up after paying every month going at this rate I will be died and still paying the loan. The education I received for this loan was not even worth it. Wish I could go back 13 years and change this.
Did not realize I had to make payments every 2 weeks. I get paid every month just once and was asked how often I got paid when I opened the loan.
Ocean is currently servicing my loan ; I have had a loan with them since 2009. I had a substantial hardship, I fell behind on my mortgage payments. I visited the website and saw that they offered assistance or loan modifications. I have been completely unable to get in touch with Ocwen. I have called and sent countless certified letters which goes unanswered. When I call each representative tells me something different. I have sent the Request for Loan Modification which also went unanswered. I am currently working and my financial hardship is corrected. I believe I can afford my home and I do not want to lose it. I have heard of the mortgage settlement in the news however I have not heard anything regarding my loan. I am desperately trying to keep my home for me and my children and I do not want to foreclose. I want to resume making payments and coming up with a modification for the arrears. Please please help me
I was contacted in XX/XX/2018 about a ambulance bill, i requested validation of this account and i was sent a statement typed up on collection agency template. they refused to verify and properly validate account.
On XX/XX/2015 I signed a 3 year lease with GM financial. I never had any problems and always paid on time. I never had a late payment reported in my credit report, I worked very hard to keep my credit in good standing. In the past few months GM financial had many issues with their online system. Multiple times in the last months of my lease I attempted to log into my account to see my lease end to date status and or payment balance along with pay off information but their system would be down in many different occasions. I would get a message that system was down for an unknown period of time. This was very frustrating. I called GM Financial to update my contact information and for some reason the agent failed to updated it. Only one side of GM financial had my correct phone number. On XX/XX/XXXX Of this year I accessed my account online to get my pay off information and last payment and end of lease details so that I could start the start the auto loan process with my bank since I had decided to buy my XXXX XXXX. Under the online payment process tab under the payments remaining it said one payment is remaining!!!. So I made that payment on XX/XX/XXXXassuming it was the last payment as it indicated online. In early XX/XX/XXXX I called to get my pay off balance since I could not access the account online ( their system was down again for days ) by this time I was already approved with my credit union to buy this car from GM Financial. I spoke to customer service and they transferred me to the payoff department. I spoke to the agent XXXX  4 times and she educated me with the pay off process, she provided me the pay off amount. I give this information to my bank and proceeded with the purchase of the car. At no point in my conversations with XXXX  in the paynoff department or agents in customer service mentioned that My account was late and that there was one more payment remaining. No one ever said anything to me, I also didnt get any calls or letters from GM financial letting me know that there was another payment remaining and that my account was delinquent!!! Not until I asked an agent why is the account balance not matching and she said you have a 38 day late payment!!! Excuse me!? When did this happened!! I asked if it had been reported to the credit agencies and was told yes after spending a full hour on the phone. I immediately asked to dispute the late report and asked to speak to management but my request was denied. Every agent I talked to said sorry! I cant help you and said I cant file a complaint or do anything to resolve the issue. They said I have to dispute it directly with the credit bureaus!!!

I asked for your help!! I want this late to be removed-deleted from my credit report!! I never paid anything late and have no late reports on my credit!! This has been a really bad experience with GM Financial and I will do what it takes to clear this from my credit report! I am a responsable person and take good care of my credit history!!! Please help. You can call me at XXXX