WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I was XXXX XXXX after an eight-year term from the military. After which, I fell into debt with Discover.  Late XX/XX/XXXX the account was sold to XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) and they filed a court case against me with the state of Maryland where an affidavit judgment was entered in their favor because I was never served with the court documents. Nonetheless, early XX/XX/XXXX, I received a letter and numerous phone calls on behalf of Discover from XXXX and XXXX, XXXX ( XXXX Box XXXX, XXXX, VA XXXX ), a collection agency, regarding the debt for approximately {$8000.00}. After numerous calls, we agreed that if I were able to pay {$3000.00}, they would render my account paid in full. 

On XX/XX/XXXX, I made a payment of {$3000.00}, received a confirmation letter and assumed the case had been closed ( see attached ). 

Apparently, they never closed, updated or notified Discover or the credit bureau of my payments. On XX/XX/XXXX, I received another letter from XXXX and XXXX regarding the same debt from Discover, citing a {$7500.00} balance, noting that they had been " authorized to accept {$3700.00} to resolve your above-referenced account if your funds are received in our offices on or before XX/XX/XXXX ( see attached ). '' I called immediately to dispute the claim and cite the error. However, the representative told me that they were not mistaken and while the payment had been made, I still owed Discover ( XXXX and XXXX ) the full amount. After a lengthy back and forth ( three phone calls ), I was told that I would be contacted by someone from their department, which never happened. 

Much to my dismay, on Friday, XX/XX/XXXX, I received a thick, white, 11x13, envelope from Discover ( XXXX XXXX  XXXX, XXXX XXXX, OH XXXX ) which included all of my previous statements ( approx 200+ pages ) with a letter citing the following, " we researched the dispute of liability for the above-referenced account. We found the account and balance to be valid. '' " ... We have forwarded our findings to XXXX XXXX and XXXX XXXX ... '' ( see attached ). 

Additionally, the following day, Saturday, XX/XX/XXXX, I received a similar package ( Manila envelope 11x13, 200+pages ) with all of my statements from ( XXXX XXXX  XXXX, XXXX, VA XXXX ). The cover page indicated that I owed {$7600.00} and " ... that interest is accruing at the rate of 10 % per annum. ''
XXXX XXXX XXXX - Arizona Routing XXXX Acct last XXXX : XXXX Never owned personal bank account in XXXX or XXXX. 
never had XXXX Account with bank
Hi, We stay in  XXXX  and worked with a legal professional registered with  XXXX  of  XXXX  to help our brother migrate to  XXXX . We paid his service fees on   XXXX   XXXX   XXXX   from our bank  XXXX   XXXX    XXXX    XXXX   XXXX  to  XXXX   XXXX   XXXX   XXXX  in  XXXX  and as the money was in USD it had to be routed through BANK OF AMERICA in USA. On   XXXX   XXXX   XXXX     our bank told us the money has been held by Bank of America as there were some  XXXX  entries missing from the recipient 's side ( Recipient 's name, occupation, address, residency status ) so we got this information and passed it to our bank and they forwarded it to Bank of America, then a couple of days later we were told by our bank that Bank of America has held the money under suspicion of an International Bounced Cheque list by my brothers name while my brother has never issued any cheques internationally or locally which can be verified by our bank in  XXXX .  <P/> The issue is the Invitation to Apply for  XXXX  PR is only valid for 90 days and coming  XXXX   XXXX  this invitation will expire and till date Bank of America has not responded to our plight via our bank. We tried to call bank of America Mr  XXXX   XXXX  from Bank of America Investigation and the person told us that we are not allowed to speak to anyone from the investigations department.  <P/> Seeing our time being critical we requested cancellation of this transaction about  1  week ago but Bank of America is not responding to our bank or us claiming pending investigation, so we made another payment via  XXXX   XXXX .  <P/> Kindly help us to get our {$3900.00} amount and we do not reside in USA to be going after Bank of America.  <P/> Thank You
I inquired about getting a new credit card with American Express. The chief reason why I decided to get a card with them is because there was a possibility I could link up the purchases I made on my corporate credit card to accrue points. I asked them specifically if I were to get a personal american express card would points I make with my corporate credit also count. They asked for my corporate credit card number and assured me that this would be the case and that once I got the approved and received the card to call up their points department to link up the cards to gain both point on my new personal credit card and corporate card. I was very specific, stating this is the only reason I am getting a personal American Express card and they assured me I would have no problem doing so. Once I received the credit card I called up Amex rewards and tried to link the XXXX accounts, but was denied. My corporate credit card has a block on points they informed me. I was furious, because I asked them specifically about it and told them that gaining points on both corporate and personal credit card purchases was the only reason I got the card. They lied to me to get me their credit card. I filed a complaint twice with Amex and there has been no follow up over the course of 7 business days. They intenitionally deceived me into getting their credit card.
My mortgage was a part of the perpiortery lending violations in XXXX with Chase Bank. In XXXX The federal Trade Commission performed a forensic audit on my loan and found several truth and lending violations. Chase in turn took XXXX and put it in a balloon payment on the end of my loan, reduced my interest rate to 5 % fixed. 

Now, in XXXX I was unable to make XXXX payment, but have been paying every month lagging behind the XXXX payment. Chase refused to assist me with the XXXX payment. Chase sourced the servicing of my loan out to XXXX XXXX XXXX XXXX XXXX. 

I have been trying to modify my loan with them since XXXX XXXX. I have sent tones of paperwork in to them at their request. Each month, they come back with a different person asking for the same paperwork in a different format. I send all the paperwork electronically through their email XXXXXXXXXXXX. I am on a fixed income, unable to makeup the missed payment. XXXX continue to send threatening foreclosure letters to me via certified mail, but they are also accepting my payments every month. These practices are causing me health issues. I had a XXXX two weeks ago. I do not know what else to do. I can not sell or lease my house because the loan in XXXX was more than the appraised value of the house. The lender appraised my house for {$390.00} in XXXX, and it was only worth about {$190.00}. I now have a loan more than my house is worth. The collectors at XXXX are rude and nasty with the exception of XXXX XXXX. He understand my issue and can not explain why they keep asking me for the same paperwork over and over. I do not feel that XXXX is following the rules of the Making Homes Affordable Act. When I asked to speak to a supervisor, she simply told me she could not help me and maybe I ca n't afford the house, to get out before it 's to late to sale it. I told her I invested my life saving in this house and that I was only XXXX payment behind. She said too bad and hung up the phone. All of the documents I attached was sent to XXXX from XXXX to today.
I did not authorize hard inquiry that is reported on XXXX XXXX, 2016.
I sent letter stating that I am XXXX and " judgement proof. '' I included the FDCPA " Ceasing Communication '' statement. This letter was mailed to the Barclay Bank address on file for customer communications on XXXX XXXX, 2016. I have received multiple calls daily and five calls today from this company.
Was recenty contacted by several family members stating that they were contacted by XXXX XXXX @ XXXX Case # XXXX. That is fine to locate me but it was disclosed that they were trying to collect a debt, and gave my banking information. To another family member they represented themselves as attorneys, and that they needed a statement for a pending judgement case. To my understanding both of these are violations of the FDCPA, and I would like to know what can be done about it. I am not saying the debt is not mine, but I am not sure if a law has been broken here, I need to know what recourse I have in protecting myself. I mean if I give them my payment information whose to say they do not take more than I owe if they are willing to break the law to try and contact me.
In XXXX of XXXX I contacted Wells Fargo to see if we qualified for assistance since we were affected by Hurricane Harvey. Our home was not in the declared XXXX zone ; however, my husbands job was. He was at the time I called out of work and was not scheduled to go back for several weeks because the job site was destroyed and there was no electricity. My husband is back to work now. The Wells Fargo XXXX, XXXX, advised me that they had a program that would defer payments until XXXX/XXXX/XXXX. It was some type of assistance that was given to accountholders who were affected by the Hurricane. I called today to schedule my first payment since the assistance expired and I was told that 3 payments were due. I was shocked. I never expected to have to pay 3 payments all at one time. We honestly would not have accepted the assistance if we knew that we would have to pay almost $ XXXX in payments. The XXXX i talked with today, XXXX/XXXX/XXXX, said that the XXXX I spoke with in XXXX was just a Customer Service rep who may not have know to advise me of that but that he could send him a coaching. He also offered to start a modification process on the loan ; however, I do n't need a modification. We can afford the minimum monthly payments now but at the time I originally called in XXXX XXXX we were not able to. 

The XXXX advised me today that if the 3 payments are not made by today the account will report the bureaus as past due and we are not ok with that. This is a clear UDAAP violation and Wells Fargo should fix it and ensure that my husband and I are not reported adversely for assistance that was given to us.
I took out a loan with Advance America in XXXX California. I only owe {$310.00}. I have been contact by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX about the same {$310.00}. I was coerced by XXXX XXXX which claimed it was located in Ohio to set up a payment play of 6 months paying {$110.00} from my Social Security monthly check. XXXX XXXX XXXX threaten to file paper work with XXXX XXXX XXXX in California to garnish my wages. I set up the payment plan and the first payment of {$110.00} and it was debited from my Social Security check account card XXXX XXXX, XXXX. I requested that XXXX XXXX XXXX send me a bill so I can see the exact charges and they would not produce a bill saying they do everything via email or electronically. By law XXXX XXXX XXXX or XXXX XXXX and XXXX XXXX has five business days to send me an itemized bill and a requested to send me the copy of the payment plan I set up with them. I contacted Advance America and found out {$310.00} was all I owed and that they ( Advance America ) sold the debt to XXXX XXXX on XXXX XXXX, XXXX. Then XXXX XXXX sold the {$310.00} on XXXX XXXX, XXXX to XXXX XXXX XXXX. I was harassed over the phone by the legal team of XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX saying they could not send me an itemized bill stating I had to set up a payment plan plus pay the entire amount prior to getting an itemized bill and my payment plan information. I never denied that I owed Advance America {$310.00}. I would like to pay my debt of {$310.00} to Advance America directly.
My Mom passed away in XXXX XXXX. Her mortgage company, M & T bank, refuses to give me any information even though I am on the original mortgage and the title to the house. The house has been sold in XXXX and the mortgage paid in full. I am asking for the XXXX, and a refund of the escrow account. They refuse to do anything. They have NOT sent these documents out at all as we had the same address before she passed. Even if they sent this to her home address, it would have been forwarded to me. I believe the law is 30 days from payoff for the escrows, and XXXX/XXXX/XXXX for the XXXX. We have received nothing. Please assist. Thank you!
I do hope your company can help me. I'm pretty new to this credit thing but I had researched several sites and watched several videos about things reporting on credit. I noticed that there are several accounts that are very old that I was under the impression they were suppose to be removed now because they are past the statue of limitations. I did dispute directly with the bureaus and several are still listed it just doesn't appear that they are doing what they are suppose to do so I thought I would ask for your assistance with the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX these are all showing past the statue so I don't understand why they would still be listed. Can you please help me?
Equifax reported the above bankruptcies on XX/XX/XXXX as reporting accurately. 
This information is inaccurate both cases have reached the statue of limitation & should bedeleted. XXXX XXXX XXXX # XXXX CHAPTER XXXX XX/XX/XXXX statue 7trs from date of filing, removal date XX/XX/XXXX, still on my report.XXXX # XXXX, CHAPTER XXXX, statue 10yrs.from the date of filing, FILED XX/XX/XXXX, it has been XXXX, should be removed by Equifax, also.
Discover Credit card After continuously disputing discover credit card open fraudulently under my name in the amount of {$8200.00} open on XX/XX/2016. Discover has refused to withdraw and remove this account. I have supporting documentation in which proves I am a victim of identity Theft.

I have summited the following documentation more that 10 times *police report *ftc affidavit * copy of my drivers license & social Under the Fair Credit Reporting Act, states if the credit reporting agencies can not verify the debt within 30 days, then it must be removed. Discover has reported to the credit bureau claim to have " verified '' this debt and evidence proving belonging to me.

but this is in fact not true under law.

Simply responding to the dispute and verifying match up numbers in your database is no sufficient verification for identity theft.

In fact the Credit bureaus not only disputed this account as fraudulent but they also informed discover I was a victim of identity theft and provided police report FTC Affidavit.

Of course the information matches up. Someone clearly used my information without my authorization. The thieves have have all My information but unfortunately i have no control of that. I have place a security freeze on my report to prevent further fraudulent misuse of my identity to apply for credit. 
I have provided more than sufficient evidence to get this false accounts removed. discover financial has made my life a living nightmare ... 

Ive spent time out of work totaling 217 hours ( in result lost wages for absent time ) My anual income is {$110000.00} verifiable Through the IRS. also Im currently In the process of buying my first home in Which Ive funded Ernest money in the amount of XXXX in escrow, due to the fact that discover has reported this fraudulent delinquency on my credit report I will not only be able to close on the property and loose the money that I put in escrow plus additional fees such As Appraisal & inspection for a total of XXXX not including time of work Discover credit services. Has caused me not only my good name and credibility but also monetary losses from work wages for taking time off work to resolve this matter, money lost from escrow account in result of not closing on my home due to the fraudulent XXXX, XXXX XXXX XXXX XXXX by this extreme experience. 
suffering of this XXXX XXXX has drastically affected me with health issues such as XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX.
I have been unable to obtain accurate account info and balance info regarding this account. Account number and balance are both incorrect on my credit report. For debt to be legitimate report to any bureaus it must be accurate, verifiable, and true.
My daughter got a student loan through XXXX XXXX ( we cosigned ) for a training program and we had been paying on it regularly until we were forced to file bankruptcy in XXXX. We knew federal student loans werent dischargeable and expected to resume payments after the bankruptcy. When we emerged from chapter XXXX in XXXX of this year, we suddenly started receiving bills from Navient on the balance, along with a bill for the {$1200.00} in interest they had put on my loan during the time I wasnt even able to make payments. I had taken my loan out through XXXX XXXX, not Navient, so I requested loan documents to verify the loan was mine. They began to call and give me a hard time and them finally got loan documents to me three months later. Im familiar with enough scams that I dont just start paying people who call me who I dont know and demand payment. By the time I received verification, three months had passed and they began harassing me for the loan payment, which had increased, along with the payments in arrears because they took so long to verify the loan was mine. They then sent me letters offering to work with me to help me pay the loan, but then denied me every option. They declined an interest reduction, extending the loan to lower the payments, and a couple of others. They claimed that the loan was due by XXXX XXXX and they couldnt ( more like wouldnt ) extend it. I have now received a 30 and 60 day notice on my credit and they keep threatening me with default if I dont pay up. I am XXXX and have a variable monthly income. I explained this to them and they dont care and simply demand payment. I dont wish to default but they may leave me no option. Additionally, when they call, they demand my birth date and social security number to " verify '' I am who I say I am. I always decline and remind them that only an idiot would give out information a scammer would want when some stranger calls on the phone. They usually get XXXX and hang up. I also have an app on my phone that allows me to record phone calls. Twice now I have informed them at the beginning of the call that I will be recording the call, and they have become very irate, demanding I dont record. I find this amusing since they inform callers they record calls on their end for quality assurance. I 'm not sure why they would care if I record the call unless they wanted to edit the calls themselves. Seems sketchy. They also use a random number generator that gives a random location and number every time they call. Thats a scammer tactic. I 'd like to resolve this and not further damage my credit, but they are intransigent. If you can help I would be grateful.
ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I AM FILING THIS COMPLAINT IN REGARDS TO MY PREVIOUS COMPLAINT. TRANSUNION RESPONDED TO ME THROUGH THE PORTAL, I THEN RESPONDED TO THEM THROUGH THE PORTAL, AS IT IS NOW XXXX XXXX, 2015 I HAVE NOT RECIEVED A RESPONSE FROM TRANSUNION IN REGARDS TO MY RESPONSE. TRANSUNION HAS NOW LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA LAWS. THE DISPUTED ITEM OUTLINED IN MY ORIGINAL DISPUTES MUST NOW BE LEGALLY REMOVED FROM MY TRANSUNION CREDIT REPORT. 
I am writing in regards to my original disputes referenced with the CFPB. I have disputed these alleged accounts information as inaccurate with Transunion, and Transunion has come back to me and stated that they were able to verify these alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted each of the creditor listed on my credit report myself and have been unable to get them to verify that these are indeed my debt. 
I have previously enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified signature request. These debt are not mine and I was given no evidence of my obligation to pay these alleged debts to the creditor 's listed on my Transunion credit report.. 
The FCRA requires Transunion to VALIDATE the validity of the disputed items within 30 days. If VALIDATION can not be verified, Transunion is obligated by law to remove the disputed items listed in my original dispute. There is a clear case of unverified debt here, and I urge Transunion to remove these items before I am forced to take legal action. 
Transunion has legally failed pursuant to the FCRA, to VALIDATE the disputed items outlined in my original disputes and is continuing to list the illegally disputed items on my credit report I will find it necessary to sue Transunion for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue Transunion in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I would also like to request that a new fully updated copy of my Transunion credit report be mailed to me at the address listed above in this letter. 
As you can see I am keeping a very detailed record of all my correspondences with Transunion. 
I look forward to a speedy resolution of this matter.
XXXX XXXX/XXXX is reporting incorrect information. I spoke with a representative on XX/XX/XXXX named XXXX ' and she stated that although they updated their information as paid, they DO NOT HAVE TO REPORT THIS TO THE BUREAU. XXXX has removed the account, but it is still showing on XXXX and Equifax. This account was sold to another lender, so it is technically showing TWICE. 

Account infom is XXXX XXXX/XXXX XXXX XXXX Account no. XXXX .... amount XXXX sowing late from XX/XX/XXXX through XX/XX/XXXX and this is INCORRECT. This is my sixth complaint