WillisBack/dataset-financial-user-claim huggingface dataset:
I spoke with the company and let them know I had been severed from my job in XXXX. They said they understood and would work with me. I paid small payments, but then when I was unable to pay in XXXX they began calling me twice a day on weekdays and once a day on the weekend. Then, today they called one of my references. I was two months behind and they became very predatory and made me feel harassed. when I spoke with them today, they claimed they did not have record that I was unemployed and had recieved severance although they admited to sending me the necessary documentation for it. I told them I was contacting CFPB and they said that would turn me over to legal if I did not make a payment by XXXX XXXX. I made a {$200.00} payment, but felt a lot of pressure after their threatening legal and wage garnishment on me. I can provide more documentation ( call logs on my cell phone, my reference contacting me about them calling her, and the paperwork they sent to me when I was unemployed ). This is predatory and unfair.
XX/XX/XXXX, Ditech Financial LLC submitted to my bank a payment in the amount of {$660.00}. They were only authorized a monthly payment of {$190.00}. As a result, of the {$660.00} submission it overdrew my checking account. Subsequently, another account was affected and XXXX overdraft fees were added to my account.
On XX/XX/XXXX, I called Chase in regards to my Chase Sapphire Preferred Card that was past due by 30 days. It had come to my attention via an email that was sent on XX/XX/XXXX. I was not aware of a payment due as this account is on autopay and this card was not active for over a year. At the time I received this email, I was traveling internationally and did not have access to my phone/email/data. I was able to finally make a phone call on XX/XX/XXXX, 1 day past the supposed 30 days. After speaking with a customer service representative, the charge was {$95.00} for an annual fee. The current bank account on file was no longer valid and resulted in a late payment. I was under the impression that my account would be fine as long as I made a payment when I returned to the States. I wanted to pay that day but was was unable to make a payment since they needed a routing and checking numbers and I did not have them due to travel. 

I had received an alert from XXXX  saying that my credit score dropped 66 points due to 1 missed payment in 14 years. I proceeded to call Chase today, Monday XX/XX/XXXX to resolve this issue. I have an excellent repayment record since XX/XX/XXXX and because of this one late payment, it reflects poorly on my creditworthiness. Chase told me that there was nothing they could do not report a change even though I paid to settle the account. I was not not given an opportunity to settle this before it was reported to the credit bureau. My account does not have an outstanding balance of thousands of dollars or was late in the past. Its frustrating that I wasnt given the opportunity to remedy this situation as a loyal customer before being reported. Chase proceeded to tell me that I had been notified by email and by mail. I had received one email on XX/XX/XXXX.
Reference case # XXXX I dispute response from Progressive. This is the first time I have seen their documents. 

1. Dispute of the nature of amount owed : On XX/XX/XXXX, XXXX disputed the alleged debt within the 30-day period. When we received their letter of XX/XX/XXXX, she disputed both the validity and the nature of the amount owed. This is stated in the last sentence of her first paragraph ( attached letter labeled " CFPB-XXXX '' ). 
I did not receive a reply nor did I receive any documentation I asked in my letter. This is the first time we have seen their attachments ( you can see the footer date is XX/XX/XXXX ). 
2. Dispute within 30 days : Within the requisite 30 days, their claim was disputed. 
3. XXXX not a signatory : As you can see in the attached file labeled " CFPB-XXXX '' I did not sign any documents. None of these bear my signature. 

Original statement : On XX/XX/XXXX, I disputed the alleged debt within the 30-day period. When I received their letter on XX/XX/XXXX, I asked for detailed documentation in the attached letter labeled " CFPB-XXXX ''. 

I did not receive a reply nor did I receive any documentation I asked in my letter. Instead, they blatantly violated FDCPA, FCRA and despite my admonition, falsely reported against both of our credit files with the XXXX bureaus.
There was an inquiry taken place by SYNCB PayPal that was not authorized by myself. This hard inquiry is now impacting my credit score
I

completed a 36 month lease agreement for a XXXX XXXX XXXX   with XXXX XXXX XXXX XX/XX/XXXX. Vehicle was turned in with 0 payments due. 45 days later While XXXX XXXX XXXX   had possession of said vehicle, XXXX XXXX XXXX   was given a detailed inspection list of wear and tear for end of lease damage. XXXX XXXX XXXX in returned billed me XXXX. I wasnt offered a new contract stating the terms of repayment for the end of term damage. I PAID the XXXX and a negative report was still reported to all 3 credit bureaus. The 45 days it took to create the damage report would definitely show that the XXXX bill wasn't a monthly payment. I've disputed error and I'm told account is mine, which I never denied being the leasee of the XXXX XXXX XXXX.

as of XX/XX/XXXX XXXX XXXX XXXX still reports to the credit bureaus a car payment that was 60 days late. This is not fair. 7 years later I am still requesting they delete all history good or bad of this account from my credit report. Im requesting new laws on how fees accumulated at end of lease are collected.
Yesterday I got a phone call stating I was going to be approved for XXXX in a loan. Cash central USA and Mr XXXX XXXX XXXX, the number he called from gathered my personal information, including my bank login and password and verification code, and promised to have done a test deposit of XXXX-XXXX before depositing my XXXX loan. They then told me my bank account was not eligible for it and I need a new account. I'm retty sure I was scammed and my identity is compromised. As well as my personal account ...
I continue to receive pre legal notifications from this company XXXX XXXX XXXX XXXX, XXXX. This is the second attempt to make a monthly payment settlement with them but they do not want to make a deal. I continue to receive this threatening letters used for intimidation.
After reviewing a copy of my credit report i saw that there several items that were reporting incorrectly, were not mine, were missing information, or had incorrect amounts. On XXXX XXXX0,2017 I sent the credit bureaus letters.
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I waited almost SIX WEEKS, and received ZERO response.
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I again sent another letter on XXXX XXXX, 1017 and now another SIX WEEKS have gone by and I have ZERO response. I have no idea why they are not responding. i have done everything the websites say that i am supposed to do. I have been very detailed in what i think is wrong with the items that are on there, and i am quite frankly FURIOUS that NO ONE IS HELPING ME.
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Thinking that maybe there was something wrong with my ID bc it had an old address ( NOT bc i was told anything by the bureaus, bc no one responded ) - i spent time, and money ( that i DO NOT HAVE ) and got a new copy of my drivers license.
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I am incredibly frustrated by the lack of response from the credit bureaus.
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Nothing i am doing is getting a response or correction of items on my credit report.
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The FCRA states that they are supposed to do a reasonable investigation of the issues i am presenting and i am being ignored. NOTHING IS BEING VERIFIED. THERE ARE THINGS ON MY REPORT THAT ARE WRONG and NO ONE IS DOING ANYTHING ABOUT IT.
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I am SICK & TIRED of again, spending TIME & MONEY that i do not have making sure that someone is doing their job. I have to do mine, and i make no money. Someone is getting paid to ignore my letters and its a bunch of crap. This is n't fair, this is n't right and i am completely disgusted by this.
I had my report pull in XXXX XXXX I found unverified information listed on my report.I received a information that under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from AMCOL SYSTEMS INC but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/XXXX ], to protect my privacy and medical records from third parties. I do not recall giving permission to { name of provider } for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back with you certified mail. 

Regards, Certified mail No : AMCOL SYSTEMS INC # XXXX XXXX XXXX XXXX XXXX , SC XXXX
My loan servicer is Great Lakes Loan Servicing. Upon timely applying for renewal of my income based repayment, Great Lakes sent an email to my wife to confirm that she was also receiving income and to sign a form. This email went to spam. All other information was timely provided, including all needed information to process my income-based repayment request. Instead of approving the request or otherwise reaching out, Great Lakes immediately capitalized over {$10000.00} in interest and would not remove it when I provided evidence that the requested information was timely filed.
I opened a ( new ) joint Premier Savings Account at the HSBC Bank branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX on XX/XX/2018 in response to a special invitation/promotion. According to the terms of the promotion, HSBC would deposit {$750.00} into all new accounts if the new account holder would open the account with at least {$100000.00}. The {$750.00} deposit would be made by HSBC in " approximately 8 weeks of depositing a minimum of {$100000.00} into the new account by XX/XX/2018. We deposited {$170000.00} on XX/XX/2018 thereby meeting all the terms of the promotion. 
I should have received the {$750.00} by 8 weeks or by XX/XX/XXXX. I have not received the {$750.00} deposit as of XX/XX/2018. I called the bank 's customer service line at the end of XX/XX/2018 and on XX/XX/2018 and was only told that there was an issue with their system, and they were not helpful. I met with Mr. XXXX XXXX, the branch manager ( Tel : XXXX ) at the end of XX/XX/2018 when he assured me that I should see the deposit within a month. Since I did not see the deposit on my next bank statement, I called Mr. XXXX on XX/XX/2018 to inquire about the status of the deposit, he told me that there was an issue with their system and therefore he could not deposit the {$750.00} as I had requested.
This vehicle was in 3 accidents because of a defective engine part and issues that occurred 5x in less the 5 months all major engine issues. The car wont accelerate ND SHUTS OFF. i was told to leave vehicle at dealership and that GM would buy back the car yet 4 months and nothing no car no information the evade my calls. I have no car and I was paying load till last month but I cant pay for a car that I dont have and that is a danger to myself and others. Fixed 5 x and always breaks each time. Engine and transmission issues. I am paying for a car rental GM said they pay but I am stuck with the Bill I want this account removed from all credit agencys as it is a vehicle that is a lemon and the cause of 3 accidents with its shutting off. It is ruining my life and my credit cost me my home and potential future home loan.
On XX/XX/XXXX, I ordered XXXX LTC ( Litecoin, Price per coin : {$150.00} ) via my linked bank account to coinbase Inc. for {$1700.00} USD, and XXXX ETH ( Ethereum, Price per coin : {$470.00} ) via this same payment method for {$2000.00} USD. On XX/XX/XXXX, I ordered XXXXXXXX ETH ( Ethereum, Price per coin : {$460.00} ) via same payment method for {$1200.00} USD. The money for these cryptocurrencies was withdrawn from my bank account on XX/XX/XXXX. Usually, the coins take 7 days to be deposited to my coinbase account. However, the three orders were canceled consecutively by Coinbase Inc a day before the scheduled delivery. I tried calling the customer service line in more than five different occasions, and there was no positive response from them, I have also sent couple of emails and created complain tickets, all to no avail. 
They have not delivered my coins, and they are still holding the money I paid for these coins. 
Since then, the prices of these coins have risen to : Litecoin, Price per coin : {$360.00} ; and Ethereum, Price per coin : {$840.00} as at the time of this complaint. 
Also, my account has been temporarily suspended from buying anything on Coinbase.
Ocwen is again violating the CFPB 's rules by not creating periodic payments, directly contacting a person who is represented by counsel a FDCPA violation, using deception in an attempt to get a homeowner into a new modification, not honoring the existing terms of modification, and providing a consumer false information.
We have received at least XXXX calls from Midland Credit using a telephone number of XXXX within the last month. When I answer, they do not respond. I finally got someone to respond yesterday and they claimed they were trying to collect a debt from my husband on a " XXXX '' credit account. I told them we never had a credit account with that company and I would call the company directly. They insisted and asked me to verify my husband 's social security number. I refused, told them to remove our name from their call directory and hung up. I thought this was a scam because we have a credit monitoring service ( which I checked ) that would have alerted us to this, and no reputable company would allow anyone other than the person in question to verify information. However, to be safe, I then called XXXX and they verified that there was never an account opened in my husband 's name. 

Today I received another call from Midland Credit claiming there was now a XXXX Card account outstanding in my husband 's name and again asking me to verify his social security number. After repeated refusals and demands that they remove my husband 's name from their system, the caller finally agreed to read me the social security number they had. When I told him that it was not my husband 's social security number, he apologized and said he would remove my husband 's name and contact information from their system. I then hung up, but again this seems like a scam because why would a debt collection company give up so easy when they have no way of knowing if I am lying?
I have 4 private loans with Navient. I have asked for evidence that I requested and signed for the loans. I also requested a full investigation with Navient because I believe the school I was attending, XXXX XXXX University, may have fraudulently requested these loans. However, in order to do an investigation, Navient is requesting an identity theft report to be filed with a policy agency. The problem is I am unable to get the XXXX, CA sheriff 's department, where I resided when the loans were executed, to issue a report. The Sheriff 's department needs evidence that the loans may have been requested fraudulently. Which is exactly what I am asking Navient to investigate. This has become a circular cycle. I really need help clarifying the validity of these loans.
I was issued a check from ez Corp. For a settlement agreement for XXXX but received the check after the date when I would have been able to cash it I have reached out and have been told by there corporate office they will not re issue the check.
Every month welfargo charges {$65.00} intrest on outstanding purchases I made through a store credit they issued to me while I am still making payments to pay off the balance. But to my surprise this month of XX/XX/2018 I notice {$430.00} intrest while I have not used the card for any other purchase since I began to make payments on the account. This was also reported to my credit.
Synchrony Bank closed my Paypal Smart connect credit card account without any type of previous communication or anything, they recently increased my credit limit ( less than two months ago ) and now they decided to close my credit card.
Dear CFPB, first of all I want to thank you for following up on my previous complaint. I very much appreciate that a bureau like your exists and are here to help us! 

My complaint isn't of the gravest sort, rather an annoyance : the last months ( about half year ) my mail box have been FILLED to the brim with credit card commercials, pre approved cards ( actual plastic cards ) and fake advertisement where the banks write things like " URGENT RESPONSE NEEDED '' etc, and I just after having wanted a lot of tie reading through everything start realizing it's just fake ads and not anything dire or urgent at all. The main issue with all this ( apart from being incredibly rude, annoying, bad for the environment and the whole feeling of these money grabbing half criminals trying to trick me and everyone else into signing up for cards that we will loose on and they will get our money from ) is that they fill up my mail box so I can't receive other normal mail like my bills. I travel a lot and sometimes when I come back, I literally find my bills and postcards and packages underneath the mail box, because my mail box is so full of these fake ( and what i assume are pre approved real ones even! It's horrendous ) credit cards. 

I have previously had a long battle with XXXX XXXX about this, where they kept bombarding me even though I wasn't and never had been a customer of them and I kept calling to complain and ask them to stop. After I contacted CFPB they FINALLY have stopped now, it's so awesome to go to the mail box now - but only for a short while. because now two new companies have started : XXXX and XXXX. I have already submitted a complaint about one of them and will compete another on the other after this complaint. 

You see, I have found out that I need to go to the source of the problem : the credit companies, XXXX, XXXX and TransUnion. As far as I understand, it is THESE three companies that share ( or sell??? I wouldn't be surprised if they actually earn money on doing this.. ) my information WITHOUT my consent. So, today I am reporting all three of them, to hopefully have this harassment ( yes, that's what i will call it ) come to a final end. 

Again, thank you so much for taking the time to look into this, I really appreciate it so much! 
( Also : a tip about how these issues could be solved : In XXXX, where I grew up, we have an official sticker from the government that we can stick to our mail box where it says that they are not allowed to leave commercial in our mailbox. It is respected and everyone follows that rule in XXXX, so if you don't want offers, you won't get them. Pretty much everyone in XXXX has those stickers on their mailboxes, because who would want to be harassed like his?! Works like a charm! I wish there was something like that here too.. ) Have a wonderful day! All my best
Allied Interstate of MN, mailed me collection letters and statements regarding the XXXX   XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( MGA ) claiming In  owed about {$20000.00} in educational debt. As a result of these letters and this company hovering into my credit reports, I scheduled them in my Chapter XXXX bankruptcy. Later, I learned that neither this company nor their attorney were licensed to practice law or collect debt in Michigan. I also learned that Michigan Department of Education does not farm out its collection. To add " fuel to the fire '' of this fraud, the Attorney General of Michigan filed in his Brief in a Motion to Dismiss that I owed nothing to Michigan, and that even if Michigan were allowed to make a claim it would not have done so. Later, another law firm ( hired by XXXX also of MN in MI ) appeared to front or cover for the legal status of XXXX and its out-of-state attorney to participate in the adversary proceeding stemming from this debt. As such, it appears this XXXX XXXX XXXX XXXX 's law firm in MI was knowingly trying to make this debt valid so as to use XXXX XXXX documentation as its own. This is massive fraud! Now I am still working through this by obtaining the 100-page PDF on AA and its license history. The XXXX XXXX   XXXX listed a XXXX, MI, ( XXXX it ) address as the headquarters of XXXX. Also that is also the mailing address on the statements that XXXX mailed to me. Additionally, I spoke to their Chief Legal Counsel and Chief Compliance Officer, XXXX XXXX XXXX of California, when he was in New York, Summer XX/XX/2017, about who could receive legal service of the second summons and complaint in MI. The Bankruptcy Court required that an officer of the company be served. He gave me a bogus address. So his affiliation with the parent  companym, XXXX, may also be at issue here. I filed a formal complaint with the Michigan licensing authorities, because I have to undo what damage their false documentation as a " servicer '' has done. They were not a servicer. They were a third-party out-of-state unlicensed-in-Michigan debt collector, pretending they had the full weight and authority of Michigan behind their collection efforts. This is very serious. The XXXX. attorneys are calling themselves a " substitute guarantor '' when they too are merely a third-party debt collector. Neither has standing. Neither was contracted by Michigan. Reading the papers filed, it would seem as if Michigan itself is confused, because their own attorney general conflicts with the letter submitted by XXXX. 's attorney to the court, as as assignment, with a redacted copy of a fake document that once belonged to Allied Interstate. Jail seems appropriate for all of them. I hope the authorities agree.
I disputed an account on XXXX. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of XXXX, and Equifax. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX. XXXX says not until XX/XX/XXXX and XXXX told me XX/XX/XXXX. I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.
Dear CFPB : I have repeatedly contacted the Citibank folks on the attached documents to locate my IRA so that I can roll it over to my other plan. For whatever reason they seem to have lost it after XXXX and I have not received statements since we could not change the address. No one at Citi has been able to help me yet, the assets are still with them and not theirs. Can you assist me in locating it? 

Thank XXXX