WillisBack/dataset-financial-user-claim huggingface dataset:
I was awarded $ XXXX  in prepaid reward   XXXX    cards from my past employer. The cards are thru  XXXX  These cards had a quick expiration date  XX/XX/XXXX  and when I tried to use them, they kept being declined. I conatcted the company over 5 times during   XXXX   and   XXXX   XXXX    I was told to keep trying at other stores and some of the stores on thier website had stopped accepting these prepaid cards. I was  XXXX  as a   XXXX   employee in   XXXX   XXXX   to   XXXX   XXXX   back to  XXXX . I am now back into the states and these cards were expired. I tried getting this company to replace my   XXXX   cards valued at $  XXXX    each. I was told several time they will call or email me back. As of today I still have these worthless cards. If these cards worked the first time, they would have never expired. I will list all the card numbers with the hope of getting these replace by a check or a usefull prepaid cards.   XXXX   XXXX   XXXX   XXXX   ($ XXXX )    XXXX   XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX  ( $ XXXX )   XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX   ($   XXXX )   XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX  ($ XXXX )
My loan was with Western Sky but they have sold the loan. Delbert services is showing on my credit report and so is Western Sky. I have been paying the loan off every month and finished in XXXX. But now Both Delbert and Western Sky show as owing money. The interest rate was well over 95 %.
For months since XX/XX/2018 I have been disputing and following the law to have these items removed and each company reporting on my report has yet to validate their search upon request in accordance to the federal law as required which is a violation of the FCRA & FDCPA. 

I requested that each company please provide me of an original signature or any proof binding me to any debt with them they claim I owe in accordance with federal guidelines and each company has failed to do so after about 6 challenging attempts. 3 from myself 2 from XXXX XXXX and another from XXXX XXXX The XXXX XXXX XXXX. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I have requested that each organization reporting derogatory items and negative closed accounts please prove this to me as I do not recognize or claim any accounts to be mine. 
Furthermore I have given them more than 30 days to respond accordingly and they have yet to respond proving or validating the debt within the 30 days required by law. 

The first challenges went out on XXXX XXXX to XXXX XXXX XXXX for {$720.00}, There was a challenge for a XXXX balance as a charge off with them as well. XXXX XXXX also showed a {$720.00} balance along with XXXX XXXX with a balance of {$430.00} and Portfolio Recovery for {$680.00}. 

I disputed each item and requested for proof my original signature as validation per the federal law requires within a 30 day period for I did and still do not recall such accounts. I informed them that failure to do so in accordance with the laws provided to remove any debt bearing my name on my credit report from their credit profile and to remove any negative item from my credit report. 

They responded with letters within the 30 day period saying that the debt was valid and their investigation was verified yet did not provide proof within 30 days of the initial letter as requested such as a signature binding me to the debt as the law requires. 

The second challenges went out on XX/XX/2018 to the same companies listed above for the same amounts and their responses were the same still failing to provide me with any type of proof validating the debt as the law requires. 

The third challenges went out on XX/XX/2018. As a final goodwill attempt along with More challenges sent out later via credit repair services between the months of XXXX 2018. 

Yet again these companies have within the 30 day span upon the initial challenge failed repeatedly to act in accordance with the law and have been in violation of the FCRA & FDCPA. 

I too requested Validation they have yet to prove it. 
Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
XXXX XXXX XXXX recently reported 9 medical bills on my credit report. Prior to their appearance on my credit report, I did not receive a notice of right to dispute for any of the 9 bills.
I have an open complaint. # XXXX against wells fargo. my account was illegally accessed and drained of all funds. I was never notified due to the fact I was incarcerated. therefore I could not notify the bank of errors. when I did notify the bank they returned the debit accounts but not those taken from my checking account. which is XXXX. they claimed I should have notified them earlier, which I couldn't because I was incarcerated and did not receive statements from the bank. even though they knew I was no longer at the address listed. the account should have been frozen instead they let it be drained please help me get my money. wells fargo is a joke and hold no accountability. thank you XXXX XXXX attn all documents are on file with my above mentioned claim #
On X/XX/2016 cbna did a hard inquiry and I have no idea why they did it or who they are.
My wife, and I received a loan from Sunset financial, in XXXX, Georgia, in XX/XX/2018. When we got the loan, we asked that my wifes work not be contacted. We were only behind a couple of weeks on our XXXX payment when on XX/XX/XXXX, the manager, Mr. XXXX XXXX, called my wifes work. When the receptionist answered the phone, Me. XXXX, was very loud, rude, and threatening. He told the receptionist, XXXX XXXX, that XXXX, ( my wife ), better call today, or she would have a big problem. This is after XXXX, told him that she was in a meeting and he demanded to speak with her! I called the office and asked Mr. XXXX, not to call and threaten my wife, but he said he will call and do what ever he needs to! That if I didnt get in there that day, that I was going to have a big problem too! 
I called and made a complaint to the companys corporate office. I told them that his bully tactics, and mafia style threats were not very professional. I received a call from the district manager, a Mrs. XXXX XXXX. She proceeded to tell me that this was uncalled for and that she would take care of the problem. 
So, on XX/XX/2018, I went into the store and made a cash payment. After I paid, Mr. XXXX XXXX, stood up and started saying that I was lying and not to come into that store. 
He said We do have a big problem when you dont pay! 
I called Mrs. XXXX XXXX and put it on speaker phone, but she was unavailable. I left a message and told her what was going on. 
I walked out of the store and Mr. XXXX, followed me to my car. I had my XXXX year old daughter in the car and he proceeded to tell me how big of a piece of XXXX I am, because he was a XXXX, and a man shouldnt call in and tell on him. And I should keep my word or Im going to XXXX. He was shaking very badly and I told him to walk back in the store because my daughter was crying. She kept saying whats happening. Why is he yelling? So, I called Mrs. XXXX and left a message with the details.
The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX  who sustained severe injury following a fall in early 2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function mentally. My condition was so bad that I could not manage my finances. Due to my emotional state, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. 

As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. 

Again I request that the late payment history of this account be deleted as soon as possible. 
Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed to this company
XXXX XXXX XXXX continues to call and calls my work. They will nlt tell me what debt and it is clear that there is nothing as it does not show on my credit report. Nothing has been sent and i know my rights and send me a teue letter on the debt. This company is trying to scam me.
Citizens bank has said TWICE now they have " run my credit '' for a credit card application. I have verified via my report they have not pulled my actual information. They have returned twice now I am not found, no credit history. Etc. They did not even respond to my first CFPB complaint and just found out yesterday they " closed my case '' without speaking to me. They clearly are performing serious fraudulent activities and will not even speak with me about what has happened. I was attacked on the phone and screamed at by a " XXXX '' whose only point was to tell me we had never spoken before. We didn't speak any further occasions either. Nor did any other members of this so called bank follow up. They just closed the issue with zero resolution.
In XX/XX/XXXX, I pulled my credit report using a credit monitoring service. Upon pulling my credit report I found that Diversified Consultant had placed an account on my report as a collection item for the amount of {$510.00}. On XX/XX/XXXX I sent a letter disputing the debit via certified mail, pursuant to 15USC162gSEC.809 ( b ). I never received any communication from Diversified Consultants nor did they provide any documentation, or proof of the debt. On XX/XX/XXXX I called Diversified Consultants at XXXX and spoke with a representative named of XXXX XXXX. XXXX confirmed that they had received my request, and had not responded to it. She noted that they do n't send off any information, that the account was closed out as a dispute and then sent back to XXXX. XXXX then stated that XXXX charged off the debit and they ( Diversified Consultants ) received the account again. When I asked why they are reporting this debit on my credit and they have not provided with the information requested she said she would mark the account as a dispute in her system. I am filing this claim as I have disputed this debit twice, and have yet to receive any documentation requested, yet Diversified Consultant has this account listed on my credit report as a collection account. I find Diversified Consultant in violation of the FDCPA section listed below. 
809. Validation of debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the
I have had a private loan w ith Navient  since approx.  XXXX  and in the time that I have had this loan, I have attempted at least a dozen times if not more to get them to refinance the loan from the current interest of 11.00 % to something less, and have been told they can not refinance or change my loan since they do n't offer the loan type anymore. I have attempted several times after making the necessa ry 12-24  months of on time full payments to have the co signer removed, to which I was told everything from its a simple phone call in to its paperwork, credit check, and we do n't guarantee we will do it. I have asked them on several occasions if there were other options available to me on the account, and they have told me that I had to pay the amount on the account every month without fail. I was paying over {$250.00} a month, and less than 50 % of that went onto the balance each month, with interest paid on the loan at almost $ 1200 yearly. I was going to end up paying approximately 4 times what I owed on my loan over the life of the loan.     In  XXXX  of  XXXX  I called into navient and had them remove my cell phone number as I was receiving  2-3 calls an hour almost every hour every single day. I had  blocked about  XXXX  numbers at this point and instructed them to remove mine and my co-signers numbers. I received a letter on  XXXX  for " litigation '' and it was dated  XXXX  with a printed signature from their " VP ''. I checked the date on the  XXXX   tracking,  and it was sent to me on  XXXX  and only gave me from the time I received  it 48  hours to try to correct the issue. They have since continued to post things to my account.     As of yesterday  XXXX   Navient had  no official way to contact me. As of this morning  XXXX , my wife received a robo call from  Navient. I have never given Navient  this information, and this is a  private cell phone.
Equifax re- inserted a previously deleted unknown public record account and a bofa account from my credit. I am not sure where they get their information from but my file with this bureaus contains false and misleading information. BK Reference Number XXXX need to be removed and XXXX account number XXXX.
In the course of Bayview Loan Servicing activities, Bayview Loan Servicing has engaged in the following acts and practices : XXXX ) Failure to timely and accurately apply trial modification payments made by borrowers XXXX ) Failure to maintain accurate account statements XXXX ) Failure to timely and accurately update automated system with timely, accurate information and accurately applied payments and accurate account payment dates, accurate account On XX/XX/XXXX, we made our forth trial modification payment for the month of XX/XX/2016. Although Bayview Loan Servicing had been notified regarding their automated system in a previous complaint, Bayview Loan Servicing 's automated system has continued to provide the wrong information on our account for XXXX months. Bayview Loan Servicing 's automated system states " Your next agreed upon payment for {$1900.00} is past due as of XX/XX/2016 ''. ( Please listen to exhibit D ). Bayview Loan Servicer is the servicer of our loan and is responsible for the servicing activities on our loan, which generally include collecting payments from mortgagors ; applying payments made in an agreed-upon order and in a correct order free of errors to the mortgagor 's indebtedness. Bayview Loan 's Servicing LLC 's failure to timely and accurately apply payments made by borrowers and failure to maintain accurate account statements and failure to maintain accurate automated system information has resulted in unlawful conduct that has caused injuries to the borrowers. The harm sustained by borrowers includes payment of improper fees and charges as well as psychological and emotional stress. Bayview Loan Servicing LLC 's failure to timely and accurately apply payments made by borrowers combined with failure to maintain accurate account statements and failure to maintain accurate account statements/recordings for the mortgagor through the automated system constitutes unfair or deceptive practices in violation of the consumer protections laws of the State of XXXX. ( See Exhibit A, Exhibit B, Exhibit C, Exhibit D, )
need help with modification my bank is citi bank and they are not trying to help us after they said they would
The collection agency did not send me written statement about XXXX different accounts. Recently, they reported the debts to the credit reporting agencies without ever calling or writing. In the first case, they spoke with me about the dates of service but would not send me anything in writing, so I called the hospital who could no longer provide a statement to me since they turned over the file to the collection agency. In the second case, they simply put it on my report. Reading my credit report should not be the first time that a person finds out about their bill. At the time I was a sliding scale patient at the hospital and had obtained a financial hardship from the Afordable Care Act.
On dates approx XX/XX/XXXX I was locked out of my online access by Discover Card services. This continued for 3-4 weeks and they refused to talk to me over the phone regarding my account. When I was allowed to log into my account by Discover Card I learned during the time they blocked me from my account fraudulent charges have occurred on XX/XX/XXXX for {$1500.00} & {$430.00} from XXXX XXXX while my card was not in my possession. They failed to properly monitor my account while ignoring my security concerns about not being able to access my account and my wallet with my cards where stolen. I filed a police report with the sheriff on XX/XX/XXXX. I the gave XXXX the police report number. It has been almost 1 year and I have been stone walled by all the representative and they have passed me off to coworkers saying the are supervisors while they are not. No chance getting someone real with authority to resolve this internally. They are holding my credit report and score hostage by making me pay these fraudulent charges even as of XX/XX/XXXX. So far I am out {$7500.00} as of XX/XX/XXXX. 
According to The Fair Credit Billing Act ( FCBA ) which is the Federal law that protects me in this situation I would like a resolution according to the FCBA.
Made a purchase at Kohl 's in XXXX. Never received an email or written statement. They called yesterday to tell me that I had n't paid in two months and that I had the wrong email on file, However, I continue to receive emails regarding other announcements from Kohl 's. I have never been late on a payment for anything and this {$29.00} purchase is affecting my credit. My penalty was {$81.00}. I promptly closed my credit card with Kohl 's.
Contacted Portfolio Recovery Associates, LLC once I noticed that they had placed TWO negative items on my credit report for credit cards that I dont recall having. I contacted them and asked them for information, I wanted them to verify information. I called and then I sent a letter asking for this information and as of yet, many months since I sent the letter ... they have not responded. 

I've read through some of the other complaints and it seems that this company piles on debts on people 's credit reports without checking if it's really theirs.
Our home is being foreclosed on fraudulently. Once a month we would get a note says XXXX is claiming that the home is empty, so we would call and tell them that we lived there ( phone records to prove it ) The letters stopped A few months ago. Since then XXXX XXXX that look like XXXX showed up at our home while we were at work. Claiming to be from the bank. They told our neighbor that they had to clear the property and make it look like no one lived there. They stole items from around our home, yard, back deck, and threw our dog igloo house and lawn mower over the deck down to the creek. We have neighbors that witnessed this. They have enter our home illegally and changed the locks not once but twice on our back door even after leaving notes that we live here. We have their lock boxes to prove it. Our XXXX chickens disappeared and stuff inside there coup was stolen as well. We submitted a request for re-modification through a HUD approved housing counseling agency. Fax transmittal to prove it. A few days later they filed paperwork with the county clerk to sell home. Our home is still up for sale on XXXX XXXX, XXXX. Back in XXXX XXXX XXXX XXXX approved our request for re-modification then took it back and said there was an error. Denial was based on them assessing our home way above actual value so we would n't qualify for re-modification that we in fact should have qualified for. We appealed it and included an appraisal as well as 6 local comps to prove what is was truly worth. Then they switched servicers on us. I believe that Bank of NY Mellon does n't want to re-mod our loan even though these programs were created specifically to help people like us.
I filed complaint # XXXX and have not heard anything from you or the original creditor. Now it has been turned over to a collection agency and I want to file an additional complaint for the same debt against American Medical Collection Agency for continuing to try and collect a debt I do not owe.
One Main : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
I submitted a dispute on  XXXX  disputing some inquiries on my credit report. Transunion completed the investigation on  XXXX  and sent me the results. The problem that I have with the investigation is that they did not fully investigate my issue. When I go the results I called Transunion and asked them why did they not address all of the issues within my complaint and they told me that I had to contact the company. I told the rep that you cant pick and choose what parts of the complaint that you want to address. In accordance with the law you have to investigate and report back your findings on every item that was disputed.
My mortgage payment includes taxes and insurance and increased from {$3400.00} to {$4000.00} effective XX/XX/XXXX, an increase of {$630.00} a month. The increase was due to an unexplainable shortage of our escrow. However, the XXXX County Tax Assessor sent us a bill and the increase in our taxes was from {$8600.00} to {$9800.00} for that tax year, an increase of only {$98.00} a month. After requesting an explanation from Wells Fargo, we never received a response. We paid the increased mortgage payment over the next 12 months. Our mortgage increased to {$4100.00} effective XX/XX/XXXX, however these was an increase in our XXXX County taxes. Again, we asked for an explanation to no avail. We paid our XX/XX/XXXX mortgage of {$4100.00} on XX/XX/XXXX with Wells Fargo Check # XXXX. Wells Fargo cashed the check but never credited our account and thus said we were 30 days delinquent on our mortgage payments. However, we never missed a month of payments. Then, we fell behind 2 months in XXXX owing for XX/XX/XXXX and XX/XX/XXXX, however we made a payment on XX/XX/XXXX for {$8300.00} though brought us current. However, Wells sent us a statement saying that we owe {$5200.00}. We asked Wells Fargo to thoroughly review our payment history as we had proof that we made all the mortgage payments due. Wells Fargo refused to acknowledge our request. WellsFargo stopped accepting our mortgage payments in XX/XX/XXXX as they kept stating that we were delinquent. Wells Fargo never explained why they increased our escrow payment on a fixed interest rate loan and why they never credited our account for a payment that they cashed. We feel like they have no regards to our payments or mortgage contract