WillisBack/dataset-financial-user-claim huggingface dataset:
I received a notice from my credit monitoring service in  XXXX     2017 that my credit score had dropped. When I reviewed my credit reports, there was a company BYL Management Services LLC claiming I owed a collection debt in the amount of {$1600.00} to them. I 've  never heard of this company and have never received any kind of communication from this company about any debt owed to them. I tried to dispute this information with the credit reporting agencies and my disputes of returned with no change. I still have not received anything from this company that I owe them any money or that I ever had an account that went into collections. This is unfair and deceptive as I was  never notified that I had a debt owed or a debt that went into collections. I was never sent any kind of written notice from this company to be able to dispute the debt and get validation of the debt claimed to be owed prior to this company placing a collection account on all  XXXX  of my credit reports, and even still after this being placed on my credit have not heard from this company or been sent any information regarding this debt. This has negatively impacted me, my credit score on all   XXXX   credit bureaus, and financially because I will be denied extension of credit because if this. According to the FDCPA this is a direct  violation of my rights.
Dear CFPB, I am writing you because I am fed up with Fifth Third Bank taking advantage of my funds. Fifth Third Bank has gotten so comfortable with cashing checks through an account before applying the deposit when they come in at the same time. Fifth Third Bank is know for posting the incorrect date of the checks posted towards your account to look as if the checks posted before your deposit. Please know that I speak for my retired mother whom has been take advantage of too. My mom has been with Fifth Third Bank for 30 years and purchase her home through them as well. Due to me presently been laid off work I am just in tears about how they have been taking my money and getting rich unfairly at the sweat of the less fortunate in society. Please, please, investigate Fifth Third Bank and how they are cheating people out of there hard earned money. 
I look forward to you helping me, Despondent Customer
American Express changed the terms of agreement without informing me. American express began calling me every day to collect the full amount of debt instead of letting me finance the debt as I have with Amex for YEARS. Every day they ask for the full amount. When I tried explaining to them they advertise that I can finance the debt they stated that the calls will not stop until they get paid in full. They are now paid in full but they have mistreated me as a customer. American express refused to work with me even though there is no policy stating I had to pay in full.
XX/XX/XXXXCredit Report Confirmation # XXXX dispute is with the negative entry by Bank of America XXXX BOA XXXX. 

When making the telephone call to cancel ( close out ) my BOA credit card I told the woman I talked with that I wanted to sever all contact with BOA. She replied in the affermative that it would be done. Then said that in the event that a charge should appear I want it disregarded and no charge for insufficient funds as my account was closed. She had to talk with her supervisor about this. After this consultation she told me that it was okay. No further activity on my account would occur. I am absolutely positive about this conversation. Am not so sure about the following. 

Sometime thereafter I received a charge from BOA. Believe the charge was for insufficient funds. Believe that I called BOA and told them of the arrangement concerning my account closing. I may have received an additional bill by mail but did not receive any more invoices. 

I assumed that everything had been settled with BOA until I was turned down for a credit card with XXXX XXXX Bank. Got a credit report and found the negative entry from BOA. Before cancelling my BOA credit card I had previously cancelled ( closed XXXX my bank account. This account was closed because they made errors, one very significant. The branch manager could not believe how badly they had messed up! Now they made another error and they are making me pay ( with a bad credit file ) for another oftheir mistakes! 

How long are recordings of conversations with banks kept? My credit file indicates that the problem probably started in XX/XX/XXXX. So my initial tel conversation with BOA probably occurred a max of XXXX months prior. So the voracity of what I said should not be too difficult to confirm. 

Many thanks for your investigation of this matter. I have long been a fan of the CFPB since XXXX XXXX initiated it. XXXX further impressed with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX
I have disputed the validity of this debt for almost 2 years with NCC BUSINESS as well as with XXXX, XXXX and XXXX. They continue to send me notification that this debt has been validated without providing physical proof. On XX/XX/2018 I contacted the company that they allege that I owe debt to and they have no record of any debt being owed to them by me. NCC BUSINESS stated to me that they do not own the debt and that they are a 3rd party collector. When I asked who do I need to contact in order to resolve this matter I was told the company that they were collecting for was called XXXX and when I asked for their location and contact info, I was told by the collection manager at NCC BUSINESS, XXXX XXXX to " XXXX '' it. My XXXX search provided several results none of which I am able to pinpoint without further information but I also feel as though I should not have to search to find out this information. It should have readily been provided to me upon request in order to protect my rights. I have not been provided the accurate information on this debt and inaccurate information is being reported that is negatively impacting my credit.
Submitted a dispute with Experian. They immediately respond that debt XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX2011 indicated the debt is mine. I viewed who the collecter is collecting a debt for and I never attended the school. So to fraudulently hold me for a debt I am not liable for is outrageous. They have had this fraudulent debt on my credit report since 2011 and requesting that it immediately be removed.
Dear Sirs : XXXX XXXX XXXX is aware that I reside in a area that was affected by Hurricane Harvey in Texas. My county is one of many under The Federal Emergency Disaster Declaration that went into effect on XXXX/XXXX/XXXX. 

Consequently, I am under a 90 day moratorium issued by FEMA since I have a FHA backed mortgage. XXXX  is fully aware of this as indicated by them verbally and in writing. 

This Federal Moratorium prohibits any Forclosure or Collection related activity thereof from XXXX/XXXX/XXXX onward and possibly extended. 

However, I continue to get harangued with phone calls and letters threatening Forclosure and most recently from an outside agency XXXX has since contracted with as seen by the attached letter herein. 

I have asked them to please stop these attacks and to respect the law set in place due to this Natural Disaster mandated by FEMA. This harassment is uncalled for and perhaps illegal. 

Very truly yours, XXXX XXXX XXXX
I have paid the debt in full and was told by creditors that this would be removed from my credit report.
I got my free Equifax credit report through the Annual Credit Report service but when I clicked on the link to dispute some items, it went nowhere. Whether intentional or accidental, Equifax made it impossible to link my credit report to my dispute. 

I tried going to the dispute site manually but was asked verification questions that did not match my identity which put me into a generic web dispute submission area where it was impossible to match my disputes to the items on my report. 

This is because Equifax 's report does not list any account numbers or partial account numbers nor does it list the full addresses associated with these accounts. I knew that the accounts were incorrect based on their balances and having them show up on the XXXX report. On the XXXX report I could flag incorrect addresses but not on the Equifax report.
ON XXXX/XXXX/16 I RECEIVED NOTICE OF DEBT MY HUSBAND OWED. I CALLED IN TO PAY OFF BALANCE AND SPOKE TO A REP NAMED XXXX XXXX. I WAS NEVER MADE AWARE I WAS SPEAKING TO DEBT COLLECTOR, IN FACT I THOUGHT I WAS SPEAKING TO REP FROM COMPANY MY HUSBAND OWED DEBT TO. ALSO, XXXX NEVER ADVISED ME THE CALL WAS BEING RECORDED. HAD I KNOWN I WOULD HAVE REQUESTED CALL BACK ON NON RECORDED LINE. THEN WHEN I TOLD XXXX XXXX SHE SHOULD HAVE MADE ME AWARE OF CALL RECORDING SHE BECAME DEFENSIVE AND BEGAN TO RAISE OF VOICE TO ME. 
I FEEL THE COLLECTOR HANDLED THE CALL VERY UNPROFESSIONAL, NO CONSUMER SHOULD HAVE TO BE TREATED IN SUCH MANNER. 
NAME OF THE COMPANY IS CREDIT PROTECTION ASSOCIATION XXXX XXXX XXXX XXXX TX XXXX XXXX
I 'm disputing this account because this bill was paid to the originator XXXX XXXX XXXX XXXX XXXX, this account was paid in full on XXXX XXXX, 2014 in the amount of {$130.00}. I have contacted Healthcare Financial Services LLc and XXXX XXXX XXXX XXXX XXXX, asking them to remove this collection from my credit report but they refuse. 
XXXX XXXX XXXX XXXX XXXX, says that they never received my payment therefore forwarded this account to collection. I know I made this payment but not sure what might have happen in-between leaving my home address and reaching XXXX XXXX XXXX XXXX XXXX. I have the canceled check to prove that I paid this account. My goals are to show excellent credit worthiness to all my lenders and to have no doubt. I 'm hoping that XXXX XXXX XXXX XXXX I, can see pass this and delete from my credit file.
This complaint is filed with this Administrative Tribunal for UDAAP violations, and FDCPA 15 U.S. Code 1692f - unfair and deceptive debt collection by filing a lawsuits based on flimsy or nonexistent evidence. 

1. Whereas, XXXX XXXX XXXX XXXX, Fidelity National Law Group, XXXX XXXX XXXX and XXXX, f/kla XXXX XXXX, XXXX Truss has collectively conspired to fraudulently seize our property where the Plaintiff ', XXXX XXXX , XXXX Truss is claiming to hold a secured interest in our property. IT DOES NOT HOLD ANY INTEREST IN OUR PROPERTY at all. Therefore, they lack legal standing to bring an action for Declaratory and Injunctive Relief -- Note that XXXX XXXX XXXX XXXX is falsely claiming to be the servicer for XXXX XXXX, XXXX Truss. 

2. Whereas, this complaint is filed because XXXX XXXX XXXX XXXX bought collection rights to an account that both XXXX XXXX and XXXX XXXX XXXX , ( the seller ) knew or should have known were charged-off and closed on or before XXXX XXXX, XXXX. 

3. Whereas, XXXX XXXX XXXX XXXX, in calibration with the parties listed in paragraph 1 above are continuing to pursue collection/foreclosure action through a FRIVOLOUS AND NUISANCE Lawsuit, all for the purpose of intimidation and harassment in violation of UDAAP - See Exhibit XXXX, Case # XXXX. The parties actions are unlawful for the following reasons : 4. The parties listed above knew or should have known they were UNLAWFULLY TREATING the purchase of a default debt that derived from a 4 year old charge-off, closure, and now time barred loan as if the XXXX, XXXX, XXXX Truss actually held a secured interest in our property, although this purported loan, if it was ever in a truss, was bought out of any truss by XXXX XXXX XXXX on or about XXXX XXXX. ( See EXHIBIT XXXX ) 5. Please be advised that the purported loan ( # XXXX ) was ( a ), placed in default by XXXX on XXXX XXXX, and ( b ), It was subsequently charged off and CLOSED on or about XXXX XXXX, XXXX, and ( c ), when a original subprime predatory loan is charged off and closed, the loan and note no longer exist ( according to UCC requirements ), and ( d ), all that remained is collection rights to possible default debt, and ( e ), those rights can be transferred by assignment ONLY, and not by " transfer '' of a negotiable note, and ( f ), as of the charge off/closure date on or before XXXX XXXX the purported loan became unsecured default debt, and ( g ) the STATUTE of limitation began to run on the default debt on or before the Account closure on or about XXXX, XXXX. ( see EXHIBIT XXXX ) then ( see EXHIBIT XXXX ). 

6. Be advised that XXXX XXXX XXXX XXXX, upon buying the default debt on or about XXXX XXXX they changed the loan account number. Note that in ( EXHIBIT XXXX at pg. XXXX and XXXX ) it says " Account transferred to another " LENDER '' '' in XXXX XXXX -- - Then see EXHIBIT XXXX, page XXXX where it says XXXX ; UNPAID BALANCE CHARGED OFF ''. It occurred on or before XXXX XXXX. 

XXXX. Paragraph XXXX above IS PROOF that XXXX, f/kla XXXX XXXX, XXXX Truss does not have any interest in our property, and the debt is time-barred
We opened this account in XX/XX/XXXX and paid on time each month until XX/XX/XXXX when we filed for bankruptcy ( Chapter XXXX ) when we stopped making payments per our attorney. The trustee made payments to XXXX until we dismissed the bankruptcy in XX/XX/XXXX or XX/XX/XXXX. XXXX is incorrectly reporting the account as late every month during this period, instead of stating that it was included in the bankruptcy and omitting the fact they were receiving payments from the trustee.
When my wife and I tried applying for a loan, the loan officer informed me that on my credit report there were XXXX different collection account for Bank of the West listed. The XXXX shows account name unknown with XXXX balance states unpaid and consumer disagrees. XXXX is listed as XXXX XXXX XXXX XXXXBank of the West with a balance of {$180.00} that supposly was turned over to collection XXXX. I have attempted to gain information related to XXXX of these accounts with no luck not even sure what branch these transaction took place at and I was told without a account number for reference it would be difficult to figure it out since my XXXX number did not pull any information.
I have XXXX items on my credit report that was n't opened by myself and I do n't have any knowledge of these account they were open during the time I was incararated. XXXX XXXX, XXXX XXXX and XXXX XXXX
Credit Solutions is reporting a claimed debt of which I had no knowledge. I received no correspondence from them and do not believe the debt is valid The collection agency never contacted me regarding any outstanding debt owed. I had a doctors appointment on XXXX/XXXX/14. My insurance information and ID was provided. I paid a {$35.00} copayment at time of visit. Was not advised of any other charge or amount due. A procedure was scheduled to be performed at an out-patient facility on XXXX/XXXX/2014. On the day of the procedure I was not advised or informed on any additional cost involved. I had no knowledge of any outstanding amount allegedly due until I found a collection account on my credit profile. I had to reverse track the collection agency name and original creditor name through the credit report. I have contacted my insurance company and they investigating the charges and amounts that are claimed to be due. I, in good faith, contacted the collection company and was willing to pay the amount they claim is outstanding and then be reimbursed by the insurance company for any over payments but want the collection removed from my credit report.
A company by the supposed name of " Allegiant Capital Management '' has made several phone calls to my family members, job and friends claiming that they are " serving me papers for a debt ''. They have contacted me personally as well and have left several messages from different phone numbers stating " the purpose of this initial communication is to make you aware of an attempt to obtain your signature for required documentation in acknowledgement of protecting your consumer rights for your breech transaction. Failure to respond will result in direct violation under gross negligence. Please contact the compliance department at XXXX or press 1 to be connected. '' This number called from XXXX XXXX, WA and they also call from XXXX. They are very threatening, and they will not give any information on this supposed " debt '' and only want to receive information without giving any details.
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? I have sent in disputes before and did not encounter this issue, so I am very confused to say the least. 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?
I am challenging Public Record Information on my credit report of which I am stating is inaccurate in its filing. I understand the term " Dismissed '' to mean that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not and do not verify or provide information to the agencies. The credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal future objectives. Please advocate for me in this challenge.
I received a letter in the mail from a debt collector stating I owed for a loan that I never applied for.
I am filing a complaint against the servicer of my FHA mortgage loan Penny Mac. I believe that Penny Mac has not properly handled my loan and denied me access to distressed homeowner programs that may be able to help me. Due to their mishandling of my loan I am now facing a foreclosure sale date of XXXX/XXXX/XXXX. You see, I had been in active review for loan modification with XXXX XXXX XXXX and was in the underwriting phase of the review when my loan was sold to Penny Mac. I was informed that Penny Mac would pick up where XXXX XXXX XXXX had left off and complete the review. However, this was not the case. Since that time I have been in limbo as I attempt to make progress with Penny Mac in order to save my home. I have an FHA mortgage loan which is insured by the government and backed by HUD. I have been told that Penny Mac is required to complete a review for all available programs when dealing with a borrower with an FHA loan, but this has not happened. <P/>I had a good job working as an XXXX for the last 15 years until I XXXX XXXX XXXX XXXX XXXX. Due to complications from this accident I have been unable to go back to work. This caused me to fall delinquent on my mortgage payment. I reached out to XXXX XXXX XXXX ( who held the loan at that time in XX/XX/XXXX ) in order to initiate a review. After many months of exchanging paperwork they finally put me into review for assistance options. My review had progressed to underwriting when the loan was sold to Penny Mac. I have tried repeatedly to engage with Penny Mac in order to get an active review moving. However, Penny Mac has continually transferred me from department to departmenthas changed my point of contact 4 or 5 times in a matter of a few months and has never actually reviewed my current financial information in order to determine what options are available to resolve this matter and instead set a sale date. <P/>While awaiting my XXXX hearing I have brought in a renter and my XXXX daughters that live with me are contributing as well to help make ends meet. I believe that if Penny Mac were to actually review my current situation they would realize that this is a true and legitimate hardship and that I qualify for assistance. I know that FHA loans have options such as loan modification, forbearance agreement, partial claim, repayment plan or restructured loan. I also know that there are government programs for people who are temporarily unemployed or out of work awaiting unemployment awards or disability awards. My question is why hasnt Penny Mac opened a review for any of these programs???? <P/>I am asking for the opportunity to resolve this issue with Penny Mac. I have owned my house for 20 years and always paid on time until I was XXXX. Once I begin to receive my XXXX XXXX I will have no problem making my loan paymentsI just need to address the missed payments and the current situation with the lower income. I believe that Penny Mac is not doing the things they are supposed to do to help me, and wanted to file this complaint against them
In the later part of XX/XX/XXXX I noticed a negative remark on my credit report through XXXX XXXX. I contact the company listed on the remark Credit Information Bureau , Inc at which point i spoke to XXXX. I asked her to please provide validation of the debt claiming to be owed. On or about XX/XX/XXXX I received a Letter from this company stating this was an attempt to collect a debt with an unknown history inquiry at which point several additional attempts were made to contact this company again inform them this is not proper validation in which I requested but no one from the company returned my call. On XX/XX/XXXX a Debt Validation Letter was mailed certified to Credit Information Bureau and to date they have failed to respond to my request. All copies of above stated documentation has been attached to this complaint.
The bank offered a promotional 0 % interest rate. When it expired I paid off the balance. However, the bank applied the balance to a lower-rate balance and charged me 19 % on the former promotional balance. When I called to complain, I was given the run around and my call was dropped. When I called back in the bank tried to confuse me, but I know they misapplied my payment. My payment, which exceeded the minimum payment, should have been allocated to the highest rate balance, and it was not. The bank wants to cheat me and they think I am too XXXX to know it.