WillisBack/dataset-financial-user-claim huggingface dataset:
This letter is being sent to you in response to the above reference account that EOS CCA has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN REQUESTED! 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for-HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED BY LAW! 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED BY LAW! 
Identify the original creditor- HAS NOT BEEN PROVIDED IN TIME FRAME ALLOWED BY LAW! 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED TO THEM BY LAW! 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED TO THEM BY LAW! 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW!
I opened a loan with CNAC AKA JD BYRIDER in XXXX IA XXXX XXXX, 2012. On multiple occasions CNAC charged a card that I did not authorize to be saved and without my consent. I filed a complaint with the card issuer and the funds were reversed. However my former wife and I then became divorced. As we were going thru separation they began to call her and probe into our personal matters. Between the fraud and over extension of their rights, and empty threats I decided to take the loss and allow them to repossess the car. Now years later I have cleaned up my credit tremendously. However, CNAC continues to report untruthful information to the credit report agencies regarding the length of the loan, the balance due, and the overall terms. Every time I ask for a copy of the contract they tell me that they do not have to provide it because they believe my dispute is " frivolous ''. I simply want a copy of my original contract so that I can 1. Properly dispute the account. 2. Possibly begin legal action.
I had to chose something to move forward. Select portfolio does not call before XXXX XXXX. This morning they called at XXXX. Again Select Portfolio is playing games. This is not a revolving credit account. They are a debt collector for my 2nd mortgage.They have a call center in XXXX XXXX XXXX with employees that give wrong or misleading information. Their Loss mitigation department responded to you with inaccurate information. I received a letter dated XX/XX/XXXX asking for even more documents ( the list keeps growing ). In addition to their response to CFPB they now want pay stubs ( which I have none as I'm unemployed and have already sent the my bank statements and letters from the Ga. Department of labor ) ; and a letter from my homeowners association showing what I have paid and the frequency of my payments and schedule XXXX from my tax return for XX/XX/XXXX. The loss mitigation department did not address the fact that their call center employees tell me things that are inaccurate and misleading. Obviously they don't care about the CFPB otherwise they would have clearly spelled out what was needed when they responded to my prior complaint with you.
I have been trying to get a credit card open with XXXX and I was denied, cause of a credit score. After calling XXXX I was told something was in collections and to call experian. After calling experian multiple times I was unable actually get a hold of someone to tell me what is in collections. Experian even gave me the option on the automated message for the XXXX XXXX and I hit that button and experian hung up on me saying " we are unable to help you, goodbye ''. Then I am calling XXXX to try to get an actual phone number for this credit company and they refused to help me saying I have to call this credit companies there is nothing else they can do to help me. I even have it on my record of me calling them three times to try to get a different phone number or get somewhere where I can find out where my collection is that I have no idea about. No one has been able to answer any of my questions and the credit company is refusing to help me as well and just hangs up the phone on me because there is no one even able to speak to. And now XXXX refuses to reveal what is in collections and will not give me my credit report that I am lawfully owed for free.
i had a rep call me and tell me that my account was being reviewed due to me reporting an atm fraud. i explained that i have never reported any kind of atm fraud. i have my debit card and there was nothing wrong with it. i have had direct deposit for over 3 years and when i called they said it was closed. the same day that i got my direct deposit. now there telling me i have to wait 60 days before i can get my money. so i have to wait 2 months before i can see my money. they wont even let me open a new account. not like i would want to after all of this
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX - XXXX XXXX/XXXX/2015 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Account # XXXX SSN # XXXX I requested to upgrade store card to visa card and call center agent advised me re apply again to get a visa card.I did applied again on XXXX/XXXX/2015 and I got approved another store card credit line of {$2500.00} ( Last XXXX account number ending XXXX ) After I contacted call center again they said they given wrong information for re-apply new account. 
I advise them please combined my limit up to {$5000.00} and closed the account ending last XXXX number XXXX. And they agreed removed hard inquiry on XXXX/XXXX/2015 and as well as removed accounts ( # XXXX ) Major Credit bureau files. 
Right now I can see credit department closed my account ( # XXXX ). Still hard inquiry and accounts remains my credit Bureau files.No credit Llimit combined and no upgrade card to visa card. 
Please resolve my issue as soon as possible. 

Thanks XXXX XXXX XXXX
I filed a complaint with you about Nationstar, this year, requesting that they give me the loan modification that would allow me to keep my property and stop the foreclosure that was in the XXXX, Hawaii court system. They did " satisfy '' the complaint by responding with a " loan modification '', higher than the original mortgage amount, and a trial period of XXXX months, that, if satisfied, would stop the foreclosure. The original mortgage for the loan was {$1200.00} and the trial loan modification was set at {$1200.00}. Nationstar said that the amount owed was now too high for a lower mortgage. Now the permanent loan modification is {$2000.00}. 
With the trial loan modification the new mortgage was higher than the XXXX they modified. The interestrate was also not lowered, but made higher. After the successful trial period- from XXXX 2015 to XXXX 2015 -The permanent loan modification- offered in XXXX 2015 with an even higher mortgage amount- $ XXXX was adjusted from trial period to include an escrow account, an additional {$81.00}. In XXXX 2015 an additional escrow amount of over {$670.00} was added to the {$1300.00} to equal {$2000.00}, which they are asking for on XXXX XXXX, 2015. 
Now, with the " loan modification '', Nationstar has not been fair in making it unaffordable to keep the property. I believe that the foreclosure was not done legally and that Nationstar was not prompt in offering me a " loan modification '' which was in process for XXXX XXXX years as they denied me more than once and continued to ask for more documents in an untimely fashion, as the foreclosure proceeded and the delinquent amount increased. There is a strong possibility that what they have done is illegal. They have added the possibly " illegal foreclosure '' fees, accruing delinquent amount, and escrow to my loan and all with a higher interest rate.
This is in relation to cfpb # XXXX. As i have made every effort to resolve my issues with erc in relation to the account that had been missused by my former roomate. As stated in the provided documents the deletion took place on approx XXXX, XXXXhowever it was re inserted 2 days later ( with no 5 day notice from Transunon ) this was apperently because i disputed thus it was re inserted having learn this was not the proper thing to do. After being made awere of this I stop the dispute process after the last correspondence with cfpb in relation to case XXXX on XXXX with the assumption the account will be removed from the tradeline as it has been with the cra both XXXX and XXXX.In addition a certified letter with the documentations has been sent to Trans union signed for on XXXX. This has gone on for over 30 days with no resolution in sight thus this action to the CFPB. I hope after the review of the clear intention to be remove the files dated XXXX XXXX AND XXXX XXXX BY XXXX, but it still remain on transunion tradeline causing me to spend much time and effort for something thats prety black and white.
Using the same personal information ( name, ssn, address, .. ) the Equifax is not able to provide me with my free annual credit report. The identity verification questions I was presented clearly show that the Equifax system is not able to identify me and later claim that the identification process failed, request I go through a mailed credit report for with a long list of identification documents copies. The other XXXX credit agencies ( XXXX, XXXX ) have been able to verify my identity online and provide me with my free credit report.
Around XXXX of 2017, I lost my wallet and my personal information was used fraudulently. I received notification from many sources such as my personal bank and other cards that my credit cards and other information was being used with out my knowledge. Upon this notification, I immediately contacted my creditors and banks and made them aware. Most creditors canceled the card and issued me a new one. On XX/XX/2017, I notified XXXX/TOTAL ( XXXX XXXX XXXX ) Card XXXX about this issue and I closed the account at consumer 's request. They then sent me a statement with the fraudulent charges to pay. This account is currently still on my credit reports as a charged off account as I refused to pay for fraudulent charges. I have disputed this account with all 3 bureaus, sent documentation to include a police report and only XXXX has deleted the incorrect account. XXXX and XXXX continue to report account is verified and validated. When I asked for proof of validation, XXXX XXXX XXXX sent copies of the charges. This is not an acceptable source of validation! These charges were not by me nor were they authorized. This is a violation of my Federal rights as my credit history is being tarnished by erroneous and inaccurate information that is to be deleted from my credit file and the creditor has not validated the debt.
Consumer complaint narrative I went to XXXX XXXX XXXX on XX/XX/XXXX to purchase a car, After selecting a car to decide about the price he asked me to provide my details and gave the details to him and I told him " I wan na go for lunch and I will be back in 20 minutes and Do not run my credit before make an agreement about the price '' and he told me be sure we do not run your credit, but after I came back in 15 minutes I saw a paper that they run my credit and I got 3 hard enquiries which I have not approved. 
XXXX on XX/XX/XXXX by XXXX, Automobile dealer, Transunion on XX/XX/XXXX by XXXX XXXX, XXXX on XX/XX/XXXXby southcst Automotive. I did not buy any thing and i did not get a loan. 
Please do the needful! 
Best Regards,
my capital one card account charges my bank several times after a decline of the initial charge. This occurs several fees on each occasion and is drastically reducing my ability to pay my bills on time.
Around the first week of XXXX I tried using XXXX of my Bank of America 's credit cards and the transaction was declined. Then I tried using a XXXX Bank of America credit card and that transaction was declined. I called the credit card company customer service line and I got a lady with a XXXX accent. I recorded the conversation. She informed me that my cards were fine. After I told her about the transactions declined, she look into it more and said the accounts were suspended due to late payment. First of all I paid the XXXX account that was late on the same day they so called suspended it. The other account was never late as there was an auto draft on my checking account for its payment. 

I went into the branch on XXXX XXXX in XXXX to get further information the next day. I was informed that my credit cards were closed. They never once sent me any notice they were going to close my accounts. After talking with the rep she called the credit people and ask them to reopen my accounts as they were current. 

Today I when I arrived home, I had XXXX letters declining to reopen my accounts. In XXXX letter they claim they pulled my credit report which I specifically revoked any consent of doing so at the bank. This is a violation of the FCRA. 

I want someone from Bank of America to reopen my accounts and let 's continue to do business. 
The account numbers in reference are XXXX XXXX and XXXX XXXX
I opened a " Free Blue '' Checking account with Arvest Bank. Had a balance over {$1000.00} in the account. This was not my primary account but allowed me to have local access to a bank. I recently checked the account and noticed that a dormant account fee of {$5.00} was assessed for 6 consecutive months. It 's very misleading to call something " Free '' but they charge me over {$30.00} over 6 months.
My name is XXXX XXXX, I live with my sister-in-law, XXXX XXXX and my Husband XXXX XXXX, we have been renting together for 4 years and finally were able to purchase a home. We found a home in XXXX XXXX California, XXXX XXXX as a Realtor for XXXX XXXX placed an offer on the property in question on XX/XX/2018 with a closing date of XX/XX/2018. XXXX XXXX was the purchaser originally. XXXX appplied for a mortgage with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, this is a lender XXXX worked with on a Wholesale relationship thru Professional Mortgage Associates his Wholesale Mortgage Broker, he is a Realtor and Loan Agent for PMA. XXXX XXXX XXXX after approving the loan and knowing the dynamics of this loan as far as applicant relationships rejected the loan because they did not want the Buyer to be related to the Realtor since that is her sister, therefore we suggested I buy the property since we all live together it did not matter to us, but they rejected that as well since I am married to the Realtor, then they refused to work with PMA as the broker since XXXX also works fro PMA and rightful so since his Broker 's License does not exclude him from doing so. Therefore we had to apply with a different Broker and pay unnecessary fees for the loan because XXXX was not able to do it in his name. Then they came back one more time and disallowed XXXX from representing me XXXX, because we were married. Therefore we had to find a Realtor to represent us and a broker to do the loan increasing our costs to acquire this loan, and keeping XXXX from earning a compensation for the Real Estate Transaction. Then ... they had me backdate documents after closing of the loan for " compliance '' I am speaking of all initial disclosures, LE etc..we know better but at this point we had a XXXX in escrow that the seller were threatening to take since we removed the contingency, furthermore this was a serious loan since we put 30 % down payment on a XXXX purchase. We were tormented thru the process, required to pay additional fees and forced to give up compensation for Real Estate. this was a disregard for RESPA and Fair Lending etc ... Please help
MY Husband and I had a 2nd time trying yo get a home trough Academy Mortgage  with XXXX XXXX XXXX XXXX # cl XXXX I called to voice my concerns about the proceas since this is my first time buying a home, didnt yell and didnt accused just needed answer, the next day he said he will not help us, So im am not allowed to ask questions to get c clarification, He sent me a very unprofessional email. Instead of teaching he rather not help them understand. This reason for my report
I was renting an apartment in a house for about 10 years ( approx. from XX/XX/XXXXthrough XX/XX/XXXX). Un aware that the landlord was piggybacking off of my electric to service from the basement and other areas of the house that had nothing to do with my account. 

I reached out to XXXX XXXX several times regarding unreasonable electric bills for one person in a small apartment unit. The landlord denied this claim and was also renting out an illegal unit to me which I was unaware of until I contacted an attorney and was advised. 

I ended up taking the landlord to court because he neglected to make necessary repairs and because I believed he was stealing electricity from my meter and that is why my bill was so high every month leaving me with a balance of {$1400.00} and a negative report on my credit.
my wife died XX/XX/XXXX and I sent copy of death certto Green Tree financial and requested loan be in my name only, title to property was also changed to my name only. Green Tree change loan to reflect this. XX/XX/XXXX I filled for bankruptcy and Green Tree changed the loan back to XXXX our names and refuse to change it back to my name only, also they issue all tax statements in my wife 's name. Can not understand how they can carry this on since my wife is dead and I pay all bills and all tax statements should be in my name, how does a company issue tax statements and loan info two years after some one has passed.
The reason for my complaint is I had an open credit account with a store named XXXX XXXX via XXXX XXXX that account was always in good standing and as of XXXX XXXX 2017 my credit score with equifax was XXXX and it was over XXXX with XXXX. What happened was that XXXX closed my account due to XXXX going out of business not because I did anything wrong with my credit line. Subsequently what happened was my numbers dropped 48 points for something that was out of my control. It hurt me because I am currently attempting to acquire a home. I have sent those agencies emails in regards but I have not heard anything back from anyone to fix my numbers to where they were.
Sps will not send me valuable information that I 've requested thet keep giving me the run around please help me save my home
Chase Bank ( personal account ) allowed the TX Attorney General to freeze my bank account where the only income is my VA XXXX check ( can not be apportioned asper 31 CFR part 212 final ruling XX/XX/2013. I have no other means to support myself or my family. Chase is fully aware the money is coming from the VA, yet they still choose not to follow the law.
US Bank will not allow me to close the account. They told me that if I close the account the funds would stay on the card and that I can not get a check or have the balance of the card transferred by ACH to my checking.
I recently sent an initial complaint on yesterday which related to calls transpiring on XXXX XXXX relating to discrimination and retaliation. As of XXXX XXXX, I was also retaliated against by XXXX XXXX within XXXX XXXX XXXX XXXX XXXX. after leaving a voice mail on her XXXX XXXX Voicemail system questioning her on how she intimidated, interrogated and repeatedly questioned our daughter inappropriately and unnecessarily regarding her mother, XXXX XXXX, which I addressed and emphasized with her via XXXX recorded system on XXXX XXXX as " discrimination tactics against XXXX minorities ''. In turn, she adamantly, her and her team on purpose set a pre-set small XXXX limit on the XXXX XXXX XXXX Card, after sending XXXXbank statement proof showing an average balance of XXXX. Also, prior to approving an authorized user, XXXX, already checked my credit and sent the card around XXXX XXXX. Based on these and other illegal credit card biased practices within the Financial Review dept., I was also defrauded out of the initial {$1600.00} payment which was made on the account. They purposely waited for the payment to clear my bank on XXXX XXXX and then place a hold on XXXX XXXX, after we received a call from the Financial Review team as noted in the XXXX of this complaint sent on yesterday. Although the payment was not due at the time, I was showing good faith on paying the account and setting it up on a weekly payment basis to pay down the initial amount of XXXX which was truly due by end of XXXX. This is when the XXXX payment for the XXXX statement is actually due. The XXXX Payment would have been due by end of XXXX. We were never given a chance as XXXX Citizens, XXXX Veterans, and XXXX Americans, but was heavily scrutinized and violated by XXXX XXXX and others within the Financial Review department. These are unfair and illegal credit card practices and should be investigated as no one should be left in a bind after initially setting up their monthly everyday charges with various vendors and billing agencies, because we had plans to continue to utilize the card for those purposes as other XXXX groups are given the opportunity to have access to capital and not heavily scrutinized for utilizing their Platinum Credit Card! These are unfair and illegal credit card practices!
Bank of America has frozen the funds in my business account for over 2 weeks. They did so by placing a pending debit of - {$880000.00} on XX/XX/XXXX of this year. 

The amount held is over {$16000.00} I have called the customer support number only to be transferred into oblivion. 

An in person visit has yielded the banking rep calling in to corporate, who tells them there is nothing that can be done and no time limit nor estimation has been given each of the six times I visited in person in that branch. 

They have given me no explanation other than there is an " ongoing investigation '' and I have gotten a lawyer to formally write them a letter asking them to explain themselves. 

Your help would be appreciated.