WillisBack/dataset-financial-user-claim huggingface dataset:
Applied several times and was denied by Ocwen financial servicing for a modification loan, even got 3 jobs and was still denied. Filed bankrupcy in XX/XX/2017 and then got hurt in job and couldnt pay bankrupcy payments and so it was dismissed. Please help. XXXX XXXX XXXX
Dear CFPB Representative -- I have never a response made by LVNV in reference to account XXXX, and have determined that this does not resolve my complaint. I XXXX found out about LVNV from XXXX credit reports in 2013. Resurgent/LVNV Funding, LLC has failed to provide legal validation or a dunning letter in accordance with Fair Debt Collection Practices ACT ( " FDCPA ). I am demanding proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased ; itemized with the interest, payments, credits, fees, and /or other permissible charges. I would like to have this account deleted from my XXXX credit report and I will also be filing a separate report with BBB. 

Regards,
On XX/XX/XXXX I paid my Chase credit card bull in full. On XX/XX/XXXX an interest charge of {$52.00} was added to my XXXX balance account. I 've contacted Chase and they claim it is an interest charge on the balance due. My card was paid in full and I had a XXXX balance.
I have advised this company to stop calling me. 
They call several times throughout the day including after XXXX XXXX 
On XX/XX/18-XXXX XXXX
Hello, I received a letter from Portfolio Recovery Associates, LLC on  XX/XX/XXXX for my XXXX XXXX account. It claims that I owe a debit collection agency {$3200.00} for my XXXX XXXX card. 

Last year, I paid off this XXXX XXXX card on XX/XX/XXXX for {$2600.00}. On XX/XX/XXXX I was charged another payment of {$2600.00}. Therefore, in two days, I paid XXXX XXXX {$5200.00}. Both of these payments are highlighted on the attached XXXX XXXX   statement. 

I contacted XXXX XXXX  and told them of the mistake. I asked that one of the payments be put towards paying off the XXXX XXXX balance. I also asked that the other payment be refunded to me. A few weeks later, I received a voided check from XXXX XXXX  that I could not cash. At this time I asked my bank to get involved and dispute the second payment. On XX/XX/XXXX, I received a refund for {$2600.00}. This is also highlighted on the attached XXXX XXXX   statement. 

Now, the XXXX XXXX  card was paid off on XX/XX/XXXX. I have contacted XXXX XXXX customer service team no fewer than ten times over the past year. I have sent my bank statements to multiple people at XXXX XXXX. Every time, it is ignored and I receive letters and phone calls stating the debit was not paid. Every time I explain the situation and they tell me they are opening a dispute and to wait thirty days for a resolution letter. This letter is never sent and yet the phone calls, late fees and debt collection letters continue. 

Now this debit has been placed with a collections agency and it has affected my credit score. I will dispute the erroneous credit score,  since the account has been paid off for a full calendar year.
I have asked Experian to provide copy of sign agreement, applications, and any other documents that show three accounts are being reported accurately. Experian said each account was being reported accurately, but never provided any documents to prove so and all three accounts still show inaccuracies listed below. 
Dispute Letters Sent : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX o Inaccurate Date opened, conflicts with XXXX and XXXX o Inaccurate Contact Information for address, conflicts with XXXX and XXXX  o Says Payments were made on to creditor on XX/XX/XXXX and XX/XX/XXXX and also reported it was charged off. I never made payments to XXXX XXXX XXXX   on those dates and how can payments be made to a charged off account? 
o Reports {$0.00} high balance, XXXX reports {$450.00} o Theres an XXXX month gap between date opened and first month reported, what documents with my signature or application were provided to verify account before being reported. 
o Failed three times to provide copy of signed agreement to show theyre allowed to report account per section XXXX XXXX XXXX XXXX o Inaccurate Date opened, conflicts with XXXX  o Inaccurate Contact Information for address, conflicts with XXXX  o Reports {$0.00} high balance, XXXX reports {$240.00} o Reports failed to pay on XX/XX/XXXX, XXXX reports Paid as agreed o Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section XXXX XXXX XXXX XXXX XXXX XXXX o Inaccurate Date opened, conflicts with XXXX   o Inaccurate Contact Information for address, conflicts with XXXX o Reports {$0.00} high balance, XXXX  reports {$590.00} o Reports failed to pay on XX/XX/XXXX and XX/XX/XXXX, XXXX   reports Paid as agreed o Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section XXXX Conclusion : Experian has failed three times to accurately verify the account or never attempted to verify account
We applied for a mortgage with USbank on XX/XX/XXXX. As of XX/XX/XXXX they had not approved the mortgage. We recieved a letter on XX/XX/XXXX stating " During the processing of your residential mortgage loan application, one or more elements have changed. '' The change was that they were going to charge us a fee of {$960.00} for a rate lock extension. We have done everything possible to expidite this loan, including providing litterly hundreds of documents. We had to take a short term bridge loan at a very high rate while wating for the mortgage approval. We withdrew our application yesterday. Our credit has been harmed, interest rates have increased and we are forced to begin the loan process anew. This has been a taxing experience and should not have happened.
Today I received a credit monitoring alert stating that I have a delinquent account with XXXX XXXX ( c/o Resurgent Capital ). I have never had an account with XXXX XXXX nor do I have any account number associated with the reported account number on any of my credit reports. I also never received a debt validation request letter from XXXX XXXX ( c/o Resurgent Capital ) and am disputing the validity of this debt. 
In addition, on XX/XX/2017, I disputed the validity of another purported delinquent account with XXXX XXXX ( c/o Resurgent Capital ) with the Consumer Finance Protection Bureau so XXXX XXXX ( c/o Resurgent Capital ) is well aware of my address however, they intentionally and fraudulently failed to mail me any communication regarding this purported debt prior to reporting it to the credit bureaus.
I was communication with PennyMac for a short sale status, they never approved me for the short sale and were taking forever giving me information regarding postpone the sale. I called and was desperate for all options so I asked for a Payoff quote and then when I called the next day to ask about the short sale request they told me that because I asked for a payoff quote they took me out of review for the short sale and said they were proceeding with the sale on XXXX/XXXX/16.
today td bank association charged my account XXXX dollars overdraft fee without even notifying me.they assumed that my acccount was negative which it wasnt and they keep charging me overdraft fees.they did this many times since 3 months and they never refunded back my money.today XXXX XXXX 2017 they charged my accoount XXXX dollars overdraft fee.they wont give my money back and their managers are very rude and nasty.i wanted to file a complain adn try to get my money back from td bank
Equifax XXXX. XXXX XXXX XXXX, Ga XXXX Subject : Falsity of Facts XXXX. 2014 Dear Equifax Dispute Dept : XXXX XXXX is making this consumer complaint or complaining Equifax repeatedly and persistently targeted and subjecting him to false reporting and unfounded statements to date, that depicts a negative credit rating and unfavorable image of not credit worthy though Southern fascist ideas. As a direct result, cause or attributable consequences of your discriminatory behavior and unfair business practices were ( intended ) to ruin my good name and reputation by such defaming acts and improper publications posted by your credit reporting agency. These acts went unabated for three years to date evidentiary by XXXX XXXX undertaking retaliatory action against XXXX XXXX for reporting to FTC their violations of the law. Specifically, deliberately and intentionally reporting erroneous information about him or omitting the facts a lien was satisfied in his name but instead reporting lien as unsatisfied is gross fabrication ; evidentiary confirmation # XXXX on their Equifax Research Form. Second act of commission by the Equifax Agency ; gross fabrication of XXXX XXXX XXXX act XXXX to date. Clearly obvious and foreseeable this discriminatory behavior and unfair business practices of reporting erroneous information and unfounded statements are Standard Operating Procedure that permeates throughout Equifax. XXXX XXXX having proven with genuine material of facts, Equifax is responsible for the employees actions by engaging in or intentionally in pattern or practice of irregularities, procedural defects, by making XXXX XXXX the object or target and subjecting him and other XXXX XXXX to the there discriminatory behavior and unfair business practices to date.
I 've been a customer of Regions bank since 2008 when my mother and I set up an account before I went off to college. Initially when the account was created, we made it very clear that we did not want my account to be overdrawn due to insufficient funds. At XXXX years old I was financially irresponsible and did n't want to risk being penalized a ton of NSF fees so we wanted the debit card to " decline '' rather than continuing with the transaction and earning a fee. Due to recurring NSF fee charges on countless occasions, I 've been to Regions Bank multiple times to reiterate that I did not want the " overdraft protection '' yet I was still being charged NSF fees when I specifically stated that wanted the card to decline. 2 months ago I visited a local Regions Bank concerning the issue and it was finally resolved with the click of button their computer. I 've been wrongfully charged NSF fees for the past 7 years and I should be compensated for those charges.
To whom it may concern : My name is XXXX XXXX. It has been brought to my attention that I have a judgement against me for a debt that was paid and closed in XX/XX/2008. 

I had a XXXX XXXX XXXX credit card that was not closed properly and remained open over 10 years ago. 

There is no evidence on my credit report showing the history of debt. 

I have contacted the original creditor in which they do not have any information of me on file. I have contacted Calvary Portfolio who is reporting with XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, None of these companies have any information of the debt. 
None of them can tell me or explain the balance history. 
None of these companies are validating the history of the account. 

All I know is there was a balance of {$19000.00} which is now an alarming {$38000.00}. 

No one can tell my why I owe this balance?! 

Please help me investigate this. I am trying to refinance my home and I have great credit but this account came up and stopped me from doing what I need to do. 

I feel stuck and helpless and scared these companies are trying to steal from me. 

Thank you, Sincerely, XXXX XXXX
There was no option for my issue. I am trying to get in touch with this debt collector. I have a XXXX XXXX account with them and my financial situation has changed and I have to cancel the payment arrangement I have with them. I have contacted them XXXX times and left messages that the payment needed to be cancelled and it was drafted out my bank account anyway, with no call being returned. I feel this is unfair and illegal business practice.
. I entered the bank Saturday morning XXXX XXXX, 2015 to cash a check from my employer. I was informed I would not be able to cash my check because the amount of funds in the account was not enough to cover the check but I could deposit it. I said this does n't make any sense I am a member here and I need to pay to have my tires fixed next door. He ( XXXX ) told me there was nothing he could do so I asked why have n't I received my debit card and he looked into my account and said it had been mailed two days prior. I asked if and when I get my card will I have trouble with accessing my funds once my employer begins to submit direct deposits, he said no. I requested to withdraw the funds I had in the account and asked if there was a bank close with the logo on my check. He told me where it was located, the teller gave me my funds and I left. My debit card arrived in the mail on XXXX/XXXX/2015, it would not activate. I called the customer service line, I went to a branch and was informed a replacement card was ordered. I did not authorize a replacement card nor did I ever ask for XXXX. I called into the branch requesting the name of the person who helped me on Saturday and XXXX answered the phone, after describing my situation he informed me he was the one who helped and said we discussed a replacement card and hung up in my face but we did not and the other teller that was standing there should be aware of that as well. I believe XXXX put in the fake request for a debit card as a retaliation of me having an attitude about not being able to cash my check and withdrawing the funds that day. I did not authorize the transaction and it put me in a bind of being able to pay my bills because electronic check is not accepted.
On XX/XX/2018 I started a balance transfer between a new Barclayscard and an existing XXXX XXXX credit card. In mid XXXX I got charged with a fee by XXXX XXXX for lack of payment. Once I contacted Barclays they said they send the funds. After many calls they started an investigation and told me it will take 25 business days to track the funds. Friday XX/XX/XXXX was the 25th day and no supervisor in customer service has an answer. During this time I have paid Barclays {$600.00} for monthly payment and have been charged interest and late fees by XXXX XXXX. I feel helpless because Barclays did not meet their own deadline and all I am told is to wait for a decision.
I never received any notification that I owed this debt, making it impossible to refute a debt I do not owe. The only way I found out about it was when I viewed my credit report. 

When I attempted to resolve this debt dispute, I was contacted one of their agents in XXXX who agreed to delete the report after telling me that XXXX the the original debtor. 
Since I have an account with XXXX. I contacted XXXX and the agent I spoke with affirmed that I did not own XXXX any money. 

Further more the agent stated that she would be deleting the item off my credit report, which apparently she did not do. 
The Item appeared on my credit report on or about XX/XX/XXXX. 
The amount of the alleged debt is : XXXX
Wells Fargo Bank, N.A. Attorney XXXX XXXX XXXX continues to block my lawful remedy for settling a debt by using a PROMISSORY NOTE/NEGOTIABLE BANKERS ACCEPTANCE. Attorney XXXX has mischaracterizing the instruments for solely being a " Private Registered Bond For Setoff '' or a medallion guaranty and claims that the instruments are unmeritorious and I am acting out of bad faith which I object to. 

What Attorney XXXX fails to realize is that Congress passed a public law on June 5,6 1933 which states that : ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is declared to be against public policy. ( See exhibit B ) A promissory note is equivalent to money pursuant to U.S.C. Banks and Banking Title 12 Section ( l ) ( 1 ) ( See exhibit C Banks and Banking law regarding a  promissory note ) Attorney XXXX is violating 73d Congress Sess. I. CHS 48,49, June 5,6, 1933 House Joint Resolution public law 73-10, because she can not reject another form of currency that is equivalent to money from an obligor who decides to settle a transaction other than using Federal Reserve Notes. 

Furthermore, the accounts ending in XXXX and XXXX was settled inside of a Wells Fargo branch in XXXX XXXX, Virginia by relationship banker XXXX XXXX XXXX XXXX in XXXX of XXXX. 

Attorney XXXX has copies of the Promissory Note/Negotiable Bankers Acceptance and a copy of a Wells Fargo Bank letter from the branch manager XXXX XXXX XXXX evidencing the settlement performance. 

Moreover, this lawful remedy to settle a debt is not based on money mechanics, the U.S. in bankruptcy or being taken off the gold standard or a sovereign movement nonsense. I just happen to conduct extensive research on the laws and connected the dots. I am not trying to be disrespectful but Attorney XXXX appears to be ignorant of House Joint Resolution public law 73-10 or simply may be in  dishonor.
I bought a car back in XX/XX/XXXX ; it was repossessed in XX/XX/XXXX. The statute of limitations in the State of Florida is five ( 5 ) years. By law this debt is uncollectable. A few years ago I was contacted by another collection agency. When I told them what happened they closed their file. Now the debt has been sold to another debt collector who is trying to garnish my wages.
XXXX which has recently " verified '', EXPERIAN & XXXX are all reporting a collection account, XXXX XXXX XXXX XXXX, AKA XXXX XXXX XXXX XXXX, ACCT. # XXXX IN THE ESCALATED AMOUNT OF XXXX DOLLARS FROM THE ORIGINAL AMOUNT OF XXXX DOLLARS ... .THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX AKA XXXX  XXXXTHE ORIGINAL CREDITOR HAS PERPETRATED " FRAUD '' in my case ... ..I ordered water service at a XXXX sales signup inside a XXXX store.What I signed up for was a XXXX dollars per month service.What I received was substantially higher on the 1st bill, which were surcharges undisclosed to me in the sales presentation ... ..I spoke to XXXX on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made 3 different appointments to come pick-up their equipment and were no-shows all 3 times.The machine/dispenser sits in my house to this day ... they obviously do n't want it. What XXXX /XXXX XXXX wants to do is perpetrate fraud and 1 ) overcharge on their service,2 )  '' sell me '' their equipment I do n't want, and 3 ) ring up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country. So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE O.C. the organizer of the fraudulent financial scheme.
On XX/XX/XXXX I placed an order on the Macys.com website with a total of {$590.00} using my Macy 's Credit Card. On XX/XX/XXXX I received an email saying that half of my order was back ordered until XX/XX/XXXX and I canceled this part of the order. I called Macys customer service to have the charges of {$360.00} removed. They said that it would take 3-5 business days for the hold to be removed. Today is XX/XX/XXXX and the charges have not yet been removed. I have been on the phone with Macys customer server for over an hour and they are refusing to assist me.
I have been back and fourth with Navient/XXXX for over a year trying to work with them to get a lower interest rate for my loans. After filing the first complaint, I was told that I could participate in a program that would lower my interest rate to 1 %. The payment was still out of my reach but I agreed to the program. I submitted all of my information with a payment of {$300.00} and I was told that it would take a week for the program to be approved. I then received a letter stating that they could no longer offer me participation in the 1 % program but maybe I would be approved for the 3 % program which would increase my payment to {$400.00} a month. Mind you, I 'm a single mother with XXXX jobs on food stamps and Medicaid and I 've been diagnosed with XXXX. After they told me I was n't approved for the program, they have been harassing me day and night. Their customer service agents have yelled at me, told me to " get a better job '', told me " I was poor '' and that I just needed to pay my loan! Even being contacted by Navient/XXXX raises my XXXX. This company does n't want to work with you but rather make you feel insignificant and bad about yourself. I think they just call me to torment me. This is the worst company and all I want is some relief from Navient! HELP!!!!
I have submitted several attempts to get this information deleted from my credit reports as it is damaging to my credit and ability to find substantial housing for my family and I. As apartments will deny you with a bankruptcy. I have yet to receive a response in this matter at all from Experian, and I have disputed this information on different attempts. I have, however, reached out to the  US Bankruptcy Court of   XXXX   - an d they have assured me they have not given any of my information to any credit or reporting bureaus ; therefore there are no true validations to their claim. I did not file bankruptcy and this is incorrect information.
1. A am a victim of Identity Theft and have filed a report with the FTC. 
2. My Name, SS #, and Date of Birth were stolen, and the thief was allowed to add a fraud XXXX email account, add another phone # and address to my XXXX  Credit Report, and were able to obtain a Credit Card in my name mailed to the address they added to my Credit Report. 
3. I called Experian today after checking my report to make sure corrections were made and I do have a 7 year free credit report alert monitoring - which I confirmed - I have a " Pin # '' which I would need to use if I needed to get information - or unfreeze - my credit report - Experian did not ask me for this information - which I thought was concerning - since this is supposed to protect me. 
4. I have opted out from receiving any direct mail from banking agencies etc. as well as other direct mail over a year ago. 
5. Although I am not receiving those, Companies are STILL ALLOWED TO MAKE " soft inquiries '' and get my CREDIT REPORT. 
6. Experian will NOT stop " soft inquiries '' without me sending more " personal '' information - including - Driver 's License, Bank or other type Date of Birth, etc. in writing - I do not feel I should have to mail them MORE personal information. 
7. I do not want anyone checking my credit report for any reason without my permission. 
8. I don't think any of the requests should be allowed or honored - this is an invasion to my privacy which has already been compromised. 
9. XXXX and XXXX indicated that existing creditors are allowed because of the CRA Credit Reporting Act can continuously look at my report - EVEN if I am never late and have a great credit score. 
10. Experian said I can OPTOUT of these inquirie in # 9 - by furnishing in writing the more intense " personal data ''. 
11. SO THERE IS CONFLICTING INFORMATION GIVEN TO ME - IF THE CRA IS ALLOWING THIS - IT SHOULD BE STOPPED - AT LEAST FOR THOSE OF US THAT CONTINUE TO HAVE GOOD CREDIT.