WillisBack/dataset-financial-user-claim huggingface dataset:
I have submitted several FTC affidavits to EQUIFAX regarding fraudulent inquiries and a fraudulent account by the name of XXXX XXXX XXXX XXXX   which was deleted and placed back on the next 3 days and equifax removed the positive account with the similar name and is refusing to correct the issue they simply deleted the wrong one which was positive and opened XX/XX/2017.
Previously submitted a claim XXXX, but it was closed by cfpb without my knowledge or acceptance of the response from Navient. 

On XXXX XXXX, Navient contacted me XXXX times, due to payment was due on Student Loan. On the evening of the XXXX, finally got a call from a live person and was able to discuss the loan. I asked a question about getting a quarterly statement of some type of statement from Navient, for which I had received nothing from anyone until it was time to pay back the loan and my son was not enrolled in school any more. If I had received something, I would have been able to make a decision to start paying down the $ XXXX loan, which has now has almost XXXX. I was told by the representative that I should have called them as I know I had an obligation. My question to you is, does n't the financial institution have an obligation to send me a statement, quarterly, semi annually, or something. In the pdf response to be initial claim, the document tells me that I should have received annual statements, which I did not ever receive. And, from Navient representative she confirmed that between XX/XX/XXXX and XX/XX/XXXX, there was no correspondence. 
On XXXX XXXX, I requested a paper Pay-Off letter from Navient and have never received anything from them.
A Debt collector has placed a collections account on my credit report for a debt that was incurred by a deceased relative. I did not cosign on the account nor am I the executor of the deceased estate. The original creditor claims that they have a recording of a telephone conversation with me that gives them the right to do this. However, they will not give me any information. I have two issures with this : 1 ) I question the legality of this practice, and ( 2 ), I am certain that recording any such conversation without my consent IS A FELONY in my state.
I have two loans with Bank of America. A first mortgage with no late payments for {$330000.00} and a second mortgage that had a balloon payment due on XX/XX/XXXX for {$35000.00}. In anticipation of me having difficulties coming up with {$35000.00} for almost a year before the balloon was due, I had been requesting assistance from Bank of America to work out a modification for the second loan as, again, I knew I would not have the lump sum of {$35000.00} that came due on XX/XX/XXXX. Only after the balloon payment was due and I did not pay it, Bank of America created a portal for me to upload all pertinent information to work out the second loan. Again I state, the first loan has NEVER had a late payment and has never been the issue. However, I received a letter on Saturday XX/XX/XXXX that was mailed by Bank of America on XX/XX/XXXX, stating that my first loan can not be modified as I do n't meet the " hardship '' definition and that my only option is a " short sale ''!!!!!! I want to be clear in stating that at no time have I EVER applied for a modification on the first loan. I simply wanted to workout my second loan with a balloon payment of {$35000.00} with Bank of American whom I had been trying to correspond with for a number of months and which has only been acknowledged since XX/XX/XXXX when the balloon payment was not paid. Bank of America is blatantly refusing to workout the second loan, by simply calling the first loan the problem when in fact, it is not a problem and has never been a problem for me to pay. I have every intention of keeping my home. However, I find Bank of America to be extremely difficult to work with. I have consistently shown good faith in trying to satisfy the debt on the second loan. I just do n't have the {$35000.00} balloon payment. The bank has shown a mere sterile and statistical approach to my predicament bordering on acting in bad faith. I had been working with a non for profit company to act on my behalf but, they too have met the same resistance from this large yet, impersonal, highly bureaucratic and disorganized banking institution. I have complied a fairly large file with personal information, i.e emails, letters, requests and proof of payment for anyone in your organization who may want to see it.
I have been receiving " per-qualified '' offers and cash advances. I went to XXXX and opted out like all of them said to do. I received and mailed back the form to be permanently opted out. I am still receiving offers. One of them has XXXX  and one of there divisions XXXX XXXX XXXX or Clarity Services Inc ( as their e-mails says ). 

I contacted Clarity and was told I had to opt out with them directly and they were not part of XXXX. They are part of XXXX  their own customer support e-mail says they are. 

I believe this is all just a way for XXXX  and other Major credit bureaus to get around the opt out. They are making a lot of money with " selling '' my information so why would they stop. There is no incentive for them to stop. We don't have any ability NOT to be on any of these and we have no rights over how our information is used. We should be compensated by any company that violates the opt out.
I opened a new credit card in XX/XX/XXXXand the criteria of the card is spend {$1500.00} in the 1st 3  months and we will give you {$350.00} within 6-8 weeks. I met the criteria XX/XX/XXXXand today marks the 8 week mark. When i reached out today through a phone call i was transferred 3 times then put on hold to be hung up on. i called at XXXX XXXX and they sent me an email at XXXX to tell me i met the criteria on XX/XX/XXXX 's billing statement. The email i received from them with instructions for the bonus says nothing about meeting the criteria at the end of a billing statement. They are telling me i have to wait another 6-8 weeks and this information was not relayed to me in the beginning or i would n't be making such a big deal of it. The customer service i 've experienced since i reached out to them XX/XX/XXXX has been horrible. I 've banked with them for years and i think i have found the reason why i should n't have opened my credit card with them. I will be closing this card once i am out of the clear with payments.
The aforementioned credit collection agency representing whomever you r Client is  has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX .   The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  Diversified Consultants  does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to p ay ) th ey need to retract this from my credit file immediately.
We sold our home in XX/XX/XXXX. Our payment funded immediately and we should have received a refund check for our escrow account in 30 days. 
Myloancare.com claims to have sent an escrow refund check to our address and that it has been cashed. We have not received this check since it was supposed to be sent ( XX/XX/XXXX ). Myloancare.com customer service claims the check has been cashed, but will not provide the proof of the cashed check nor who cashed the check. Also Myloancare.com refuses to re-issue a check or make a claim to their bank account about a wrongly cashed check. We have been waiting for several weeks for proof of cashed check with no response. I called last week and they told me a supervisor would call me within XXXX hours and they have not called.
CFPB Case XXXX Ocwen 's XX/XX/XXXX response does not respond to the facts and is a continued falsification of the facts. First, Ocwen 's claim of having received our mortgage is FALSE and could not have happened as they claim based on XXXX documentation and facts. XXXX transferred our mortgage to Homeward/Ocwen in XXXX KY and not Ocwen Loan Servicing LLC in FL. Second, we never made any claim to being untimely as the Ocwen letter XX/XX/XXXX claims which is an additional new false statement. Even if Ocwen Loan Servicing LLC in FL and Homeward/Ocwen KY are the same company or affiliates a new RESPA Notice would be required to change the mortgage payment name and address from XXXX different names and XXXX different addresses XXXX in KY the other in FL. I believe the CFPB should compel Ocwen FL to prove they obtained servicing from XXXX in XX/XX/XXXX or leave us alone. Where is the RESPA Notice changing XXXX in TN to Ocwen Loan Servicing LLC in FL? Where are the Transferor and Transferee RESPA Notices showing the same information? The XXXX XX/XX/XXXX Notice and the Ocwen XX/XX/XXXX Notice has entirely different information which means it is invalid and false. I could n't find Homeward/Ocwen in XXXX KY anywhere in the Ocwen correspondence
On XX/XX/XXXX I received a letter from Avante USA stating I owed a debt with the letter head date of XX/XX/XXXX. On XX/XX/XXXX Avante added a negative report on my credit report between the dates of XXXX XXXX XX/XX/XXXX. I had thirty days to dispute the validity of this debt and the thirty days are not up. Avante reported the account as open on XX/XX/XXXX on my credit report and I never opened an account with them or made payment arrangements with them. If I did owe the debt Avante is illegally re-againg a debt. On XX/XX/XXXX it would be seven years as the paperwork says service date was XX/XX/XXXX and Avante is trying to re-age the debt. The original creditor is not on my credit report as I can see.
Through Wells Fargo Mortgage we applied for a pre-qualification letter to get a mortgage for {$35000.00}. on a conventional loan for investment. We have all the monies in a Chase account for the 20 % down payment and Closing. They have approved our income, but state that some of the monies are going into our Wells Fargo personal account from our Wells Fargo business account and this was a problem for them and want me to liquidate {$17000.00}. in funds from a retirement account which would involve up to 30 % in taxes penalties and fees. An appraisal was done already and I was not advised of any problems prior to spending the money for the appraisal. We also have plane tickets that are not refundable. The money for the down payment and closing costs for this purchase came from the sale of o condominium in XX/XX/XXXX and sale of a house ( financed by Wells Fargo ) in XX/XX/XXXX lessoning my monthly payments by over {$2000.00} Now I am looking for a mortgage that will be about {$1000.00}. per month. I pre-qualified with XXXX XXXX at the same time but decided on Wells Fargo because we have been banking with them for years. I do n't believe they are following guidelines while processing my request. If they do not approve this loan I would like to find out how to get reimbursed for my expenses which are several thousand dollars are this point. I feel they have taken way to long in coming to their decisions which are not final at this point.
Under FCRA sec XXXX, I 'm requesting disclosure of the " original creditors documentation '', on file, that they must maintain to validate all data being reported or remove from my report if unverifiable. They refuse to provide the information or remove from my file. Instead, they continue to state the information is verified without providing verifiable proof. Items are ; XXXX ; account : XXXX XXXX XXXX ; XXXX
I fell behind on my credit cards, I then searched for a deby consolidating firm, find one all is well making payments, then the bank failed to pay the consolidating firm urging they did not recongnize their bank. No word this happened until I get multiple documents opened and my social plastered all over the documents from a law firm I quickly recognize the lawyers, whom I had a problem with 9 years ago. I send six emails then called Debt consolidating firm after. I try to resolve. I then send a complaint to XXXX and they stop the harrassment. I send the lawyers a cease all notices to my home. I explained to XXXX that I was harrassed and threatened with jail 9 years ago and since that was their tactics I did not want them to do it again. 
The lawyers responded with " we do not harass I just refuse to pay, and that they were within their right to persue me. I never stated that the harrassment was recent only that my dealings with them prior to this was indeed harrasment calling me at night on the weekends and the threat, was prior to this current situation and that I did not want that to happen gain. I will forward all docs to you via mail. The lawyers are XXXX. based in XXXX. I went to a lawyer for a free consultation ( XXXX in XXXX XXXX XXXX ) who asked me to forward a letter to each creditor asking for them to re visit my balance and allow me to pay {$25.00}. I am not trying to get out of it I am trying to make it right. All I ask is that they respect my right. They are after me and it id personal because I filed several complaints. 
This is not fair and they continue to send notices to the wrong apartment even after I gave them my correct name used and apartment number. I am in the middle of a seperation that is painful enough. I am looking for anaffordable apartment and I have a XXXX year old to contiue to nurture and be ready for college. If I were trying to not pay I would have claimed bankruptsy like the rich. I want to settle and pay off my debt. 
XXXX XXXX
This complaint is for Equifax and XXXX. I was a victim of identity theft and sent in my police report and both of these bureaus refuse to block the negative reporting of these items, although they have to by law. I have been in contact with them several times and haven't been given a reason as to why they haven't removed this information. These items were made without my knowledge and i am now being negatively affected by these items and i am not getting assistance with this issue by the credit bureaus. this is my third complaint.
I was shocked when I reviewed my credit report and found several late payments on my XXXX student loans with the dates below : 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
I applied for and received a US Bank Platinum Visa credit card for the sole purpose of transferring higher rate balances to a 0 % interest rate for 18 months. I was approved with a credit limit of {$15000.00}. I successfully transferred {$10000.00} balance to this card and attempted multiple times to transfer {$4200.00} and {$5000.00} amounts to this card and both were denied due to " insufficient funds ''. I received these notices in the mail. I finally called US Bank today and they told me I was only able to transfer 92 % of my total available credit. This information is nowhere to be found on-line or in my statements. They informed me that the information was in my credit agreement but could not tell me where it states that information. I have never heard of this stipulation and certainly wasn't aware of it when applying for this credit card. I will be reviewing my credit agreement once I receive it in the mail, which they said will take 10 days. In addition to not being able to show me where this information/rule is stated, they were very rude about it. I'm disappointed as this has been my primary bank for over 10 years. The poor customer service is one thing, but being misleading about this balance transfer offer is unacceptable. Even when going through the on-line process of a balance transfer, nowhere does it indicate that only a portion of my available credit can be transferred. It actually states that up to my credit limit can be transferred.
I sent my first attempt for debt verification XX/XX/XXXX asking to provide me with proof of a signed signature with Diversified Consultants which they failed to provide. I sent a second attempt for debt verification on XX/XX/XXXX asking again to provide proof of a signed signature with Diversified Consultants since they are the reporting agency on my credit report. The negative information was removed but then later reinserted between XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring services. I sent a third attempt for verification sent on XX/XX/XXXX also informing them that reinserting negative information on credit files is illegal and asked to have the negative files removed since they failed to provide proof of my signature with Diversified Consultants. I finally sent them a letter which would be my final attempt on XX/XX/XXXX informing them of the actions I have to take since they're doing illegal practices.
This was for a safe box at bank. This amount was for the keys that I did return back.they are saying I did not return keys, which is false
Bank of America is in default as of right now ; FAILURE TO SHOW VALIDATION OF ALLEGED DEBT FAILURE TO SHOW VALID CURRENT LAWFUL CONTRACT USING PERSONAL AND PRIVATE INFORMATION WITHOUT MY CONSENT, 2ND DEGREE FELONY Florida Statute XXXX, numerous legal notices, and notifications ignored, VIOLATION OF COMMON LAW COPYRIGHT, COPYRIGHT INFRINGEMENT PUNATIVE + ATTORNEYS FEES@XXXX PER HOURLY RATE X 46 HOURS total is {$770000.00} Bank of America has failed to rebut ANYTHING I have claimed, therefore they acquiese in tacit procurement and I am starting administrative process for a non-judicial process known as a commercial lien for damages and violations they have committed
This business used my information without my knowledge or approval. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries.
Some one named XXXX XXXX tried to access my wife 's account and she is going " Who is this '' They have a lot of information about me, almost to much. I do not know who this company is. I have never even heard of them and why are they trying to access my wife 's account and she said she received a very strange number a couple weeks ago, but did not think anything of it. Please remove me and do not try to access her account again. She is very upset with this.
A XXXX Bank check was provided for start-up costs for XXXX. The funds were held as a balance by Chase Bankers. After four days, the {$2900.00} check sum was transferred to available balance ( ON HOLD ). On the XXXX of XXXX, the account was frozen ( ATM use, web sight transfers, and credit/debit card use ). I called the customer service Chase Bank department. The representative informed me that the check was returned by XXXX Bank as FRAUD. In stead of zeroing out the balance, stamping the check with fraud, and putting in the folder with the other XXXX fraudulent checks deposited by people, a human being at J P Morgan Chase Bank chose to attempt embezzlement of my funds : {$640.00}. They withdrew the check balance from the account. The account is still frozen. The funds for last and this month 's rent, which were from an life insurance account transfer, have been unlawfully seized!
I provided written notice to Portfolio Recovery Associates, LLC initially on XX/XX/XXXX, via certified letter disputing the validity of the debt owed. I further requested that Portfolio Recovery Associates, provide validation of competence evidence bearing my signature. The company signed for that notice on XX/XX/XXXX. Thereafter, I received a summarized statement from PRA alleging that I owed {$5900.00}, on XX/XX/XXXX. 

I responded on XX/XX/XXXX again asking for evidence bearing my signature. On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates, again summarizing this alleged debt. The document provided was not from the Original debtor nor did PRA provide any tangible documentation bearing my signature. 

XXXX XXXX dissolved EFFECTIVE XX/XX/XXXX. With this knowledge, I question the veracity of how PRA obtained validation, competent evidence that this debt is in fact legitimate, WITHOUT my signature. 

I verified via XXXX Credit Bureau that Portfolio Recovery Associates, made a dispute statement under my name confirming that they completed an investigation of my dispute and further stated that I disputed this matter. 

I am therefore escalating my complaint requesting assistance to have this debt removed from all three of the credit reporting agencies. 

It is now my belief that Portfolio Recovery Associates, LLC is willfully acting in bad faith given their refusal to provide the requested information. 

Please be advised, as per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I asked twice for a document bearing my signature to be provided, in addition to proof of how this information was verified without my signature. 

I am therefore requesting that the debt reported by Portfolio Recovery Associates, be removed from my Credit Reports immediately.
XXXX XXXX XXXX XXXX XXXX XXXX submitted a false, discriminating, emotional distress and derogatory allegations against me and my important credit bureaus. The creditor previously submitted a hand written notation pm a notepad without letterhead overstating charges that were not backed by the parts and labor receipts required to prove the creditors actually costs. I called the collection agency numerous times and disputed the amount with all the credit bureaus. I had filed a complaint with HUD & the XXXX XXXX XXXX regarding harassment, emotional distress, mold and overcharges. My lease was paid in full XXXX XXXX and nothing could be done while HUD & the XXXX was investigating my claim. I did owe only XXXX months rent of {$740.00} for XXXX in which the creditor filed a civil judgement for, However, he accused me in the correspondence sent to the collection agency of stealing electricity, damaging the water meter, {$500.00} to clean my oven, cutting holes in the molded attic insulation, {$500.00} to clean my dogs XXXX which was barely a couple in a XXXX yard? Claiming other miscellaneous things like accusing my son living permanently with me ( {$2500.00} )? ..I was on a month to month after completely my lease in XXXX XXXX and left in XXXX XXXX.The collection agency said I was responsible for the time it takes to fix up the apt XXXX Well it does not take 3+ months to fulfill the work. The creditor filed this collection in XXXX XXXX. The collection agency has a bad XXXX reputation. ( National Credit Systems ) out of Georgia # XXXX my acct # XXXX. I have been on XXXX XXXX since XXXX and the reviews of that property have been horrible. They also filed for Chapter XXXX bankruptcy in XXXX XXXX and it was dismissed for failures to abide by the judges rulings. The attorney representing is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX # XXXX. I contacted him and he was of no help at all!!
There were multiple issues that I had with NetSpend this previous week. It starts on Monday XX/XX/2018 I realized that there were multiple charges that were made on my accnt that were not mine and I disputed such charges. I also disputed a charge for an ATM withdrawal where as usual no money came out and I was still charge the amount. So I disouted such charged that totaled over XXXX dollars and was advsd that I would get a provisional credit in 10 days. Ok thats fine however I called them to order a new card and paid to have the card express shipped, Which was done. However once I received the card I could not activate the card. I called in and was advised that the card was closed and my balance wa mailed to me which means that every dollar that I had no longer is accessible and once the credits are placed on the accnt that they are going to have to mail that check as well. All I am looking for is the money that belongs to be overnighted in a check to me and no more dealings ever with Netspend. This has been the worse exeperience ever.