WillisBack/dataset-financial-user-claim huggingface dataset:
I already paid this debit prior with another credit agency, But now the debt has changed names and been sent to someone else to deal with even though it was already paid. I sent letter by certified mail to collector back on XXXX/XXXX/2015 asking for validation of proof that I owe debt from previous credit agency which was signed and received on their end on XXXX/XXXX/2015 and informed them of the FDCPA and that they are given 30 days to get this information out to me or else they would need to stop any debt collection from me. Now we sit at XXXX/XXXX/2015 and no information as of yet. I contact the collector and was informed that on XXXX/XXXX/2015 they mailed out information claiming validation of my debt and that the process took longer than 30 days to collect and that I should receive it in the mail in a few days. In the meantime the collector is filing default on me regarding this debt stating that I owe it which I do not and with that certified letter I sent was all the proof they needed to see that it has been paid for but regardless they want to still pursue to collect. They have violated the FDCPA.
Have attempted to remove an old bank account from my profile after successfully setting up auto-pay with my current bank account. Navient withdrew incorrect amount XX/XX/XXXX ( {$24.00} ) although I am scheduled to pay {$270.00} ( which changes with interest rates month to month ) each month via auto-pay. Incorrect autopay amount rectified as of XX/XX/XXXX but, in attempting to remove the old bank account, my autopay ( with the correct/new bank account ) was all together cancelled in error. Have contacted representatives at the NJ office XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Representatives have advised that tickets will be sent to their " back office '' to rectify the issue ... no return call/correspondence/resolution of the issue. I have come to the realization that there is nothing I can do to fix any sort of problem with this company.
I tried to withdrew funds from Coinbase Inc [ US ] on the XX/XX/XXXX from my bitcoin wallet to my bank account. According to their website the transaction has completed. 

However no funds have arrived in my bank account. I have previously successfully withdrew funds to the same bank account. 

Sum involved is XXXX Euros. 

I contacted customer support on the XX/XX/XXXX and got the following reply : Coinbase | XX/XX/XXXX XXXX PDT Thank you for submitting your request. Due to increased volume it may take several days to receive a response. 

I asked for an update on XX/XX/XXXX and got this reply : XXXX replied : Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

I have made 2 further attempts to contact Coinbase to get a further update and a resolution to this issue but have been unable to get a response back from them.
Citizens Bank sent me a new debit card for my checking account indicating there was an issue with the card. They never identified the issue but I am assuming it was a security breach. I received the card and activated it but it did not work. I went to the branch in XXXX XXXX XXXX on XXXX XXXX to get this remedied. They claimed to have fixed the problem and I gave the card to my husband to leave town for XXXX  with my children. He got to XXXX and the card did not work. HE HAD NO ACCESS TO OUR MONEY. I called the XXXX number XXXX XXXX and spent 30 minutes on the phone and was told the issue was fixed. He again tried to use the card and it did not work. I called the XXXX number on XXXX XXXX and spent 1 hour on the phone to get the issue remedied and was again told they had fixed it. My husband tried the card again and the again the card did not work. I called the XXXX number again on XXXX XXXX and spent another hour on the phone and was told they were sending me a new card by overnight mail. At this point my husband had to borrow money from a friend because he could not access our account that had over {$40000.00} in it. It is now Tuesday, XXXX XXXX and the card has not arrived despite assurances that I would have the card by Friday XXXX XXXX. I am again speaking to Customer Service and they are telling me the card has not been SENT!!! I am incredulous and can not believe that I do not have the card. I am now being told that their own fraud department continues to stop the card from being sent to me. The card was placed on fraud hold 4 times last week despite my calling each time and giving them every bit of information asked for. They can not explain why there fraud keeps stopping the card. This is an absolute abomination. I still have no card and no assurance that I will get a card anytime soon.
I applied for a loan modification with Suntrust Mortgage. I qualified for an modification option to convert from an ARM to a fixed rate mortgage. I was 6 years into the mortgage. I am a divorced mother of XXXX and ex-husband was on original loan. In divorce he had to quit claim as I did on his property. 

Suntrust required him to sign modification application but then when presented with quit claim, allowed me to proceed without his signature. I have completed the 4 month trial period and loan mod docs have been sent to me. 

Problem : They are now requiring ex-husband signature now. He is an unfriendly/uncooperative party and is trying to leverage his signature with his lawyers for a percentage ownership in the property and other stipulations. 

Suntrust will not let me sign alone even though I made the application alone and the calculations were based on my income alone. I need them to be compelled to allow me to sign alone. 

If I ca n't execute this modification I will have to default as I owe 6k on demand to go back to the original structure. The ex does n't care about defaulting he has family money and many lawyers. Please help me compel Suntrust to allow my sole signature on this modification.
Checked my XXXX XXXX and looked at my hard inquiries and saw one from XXXX XXXX/XXXX that happened on XX/XX/2018 and i never applied for anything or did anything with my credit so i think someone might be trying to use my SS number
COLLECTOR FAILED TO VALIDATE SAID. I DO NOT OWN SAID DEBT AND KEEP ATTEMPTING TO COLLECT IN VIOLATION FCRA, FDCPA AND TCPA.
1. XXXX  of XXXX  account no. XXXX being reported multiple times on all three bureaus. 

2. Balances incorrect
This company advertises a comprehensive credit review for the loan process, including educational level attained. But what they really do is rely on the 3 main credit bureaus to generate a score. And then they make a decision based on this score of XXXX minimum. No where in the application process did I see this. If I did, I wouldn't have bothered applying. Im the victim of ID theft, so it is hard to unfreeze my scores from the 3 bureaus just to have my credit checked. And also, because of the ID theft my score isn't very high. I have to close fraud credit lines, remove them from my record. It hurts your score.
On XX/XX/XXXX I signed up with XXXX XXXX XXXX Client Number XXXX due to my financial hardship. JCPenney 's Department store was listed as one of my debts. JCPenney 's has accepted two payments from XXXX XXXX thus far for the sum amount of {$19.00} each month. After accepting payments JCPenney 's is declining the proposal XXXX XXXX XXXX sent to them due to terms and conditions I never signed or authorized JCPenney 's to enroll me into one of their internal programs. JCPenney 's is attempting to force me the consumer into a program I never signed up for. As of XX/XX/XXXX it was stated to me by a JCPenney 's employee that I was not eligible for Debt Management because I account was coded set up for a particular program I have no idea or have ever been notified about. XXXX XXXX XXXX has sent another proposal after JCPenney 's stated because I missed two payment my account was removed from the program. XXXX XXXX sent another payment in XX/XX/XXXXof {$19.00} JCPenney 's accepted the payment then denied the proposal again. As the Fair Credit Act states, I have a right as a consumer to have a certified consumer debit counselor assist me with my financial hardships. I live on a fix minimum income because I am a XXXX XXXX ( XXXX ) barely making ends meets. JCPenney 's has treated to place my account in collection, continue to compound interest daily without allowing me my fair credit rights causing a more financial hardship burden for me. I wanted to have this matter thoroughly investigated, because I do n't know my rights, I need assistance with this matter. XXXX XXXX XXXX has all the recording from the back and forth with JCPenney 's Credit Department. First stating the proposal might me excepted, but their was no guarantee. As of today, JCPenney 's is stating that they only allow one program per card. I only have one existing credit card with JCPenney 's. Furthermore, I never signed my signature or excepting verbally or in writing any type or form of a program with JCPenney 's Department Store. Synchrony Bank/JCP.
PNC bank mailed me a physical letter advertising my pre-approval a new credit card with a promotional bonus of {$100.00} upon meeting certain requirements. After meeting the requirements no {$100.00} bonus was received. I spoke to a PNC bank escalation representative who asked for a copy of the offer, which I provided. I was then told by the representative that the {$100.00} credit would not be given because I was not eligible for the offer because I had previously received an unrelated bonus for an unrelated banking product. I still have the mailed printed offer explicitly outlining the terms of the disputed offer, and it contains no terms describing that I would be disqualified by receiving bonuses for unrelated banking products. 

If not for the bonus offer I would not have opened the line of credit which harms my credit score, affecting loan rates, and costing me time managing the credit line..
For the last month I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact.
XXXX XXXX XXXX is attempting to collect debts from me.I never established a contract with this company. A debt collection company has no legal right to collect a debt from me because they purchased a debt. They are also in complete violation of the FCRA law.
Received a call in XX/XX/XXXX from XX/XX/XXXX from Midland saying I owed a bill now in collections. I did n't know what they meant. Checked and saw a bill from XX/XX/XXXX from XXXX that was sold to XXXX in XX/XX/XXXX or XX/XX/XXXX and then to midland. ( now I ca n't get to this original info of exact DOFD. ) In XX/XX/XXXX I am looking at XXXX XXXX and it says my last usage of this account was in XX/XX/XXXX. This is a 14 year old bill and I am not sure if it was mine as Midland will not give me any information as a result of their all a few years back. Do I have a case of re ageing? I have no documentation from XXXX to even compare to see if it is an old debt, or even mine.
XX/XX/2015FROM : XXXX XXXX ( " XXXX '' ) XXXX XXXX, TX XXXX ( land at home ) E-Mail : XXXXToday I received an e-mail from an entity providing a pen name for their e-mail address of " chase ''. Their e-mail address was : " XXXXXXXXXXXX ''. The e-mail said that they had new interest rates on home loans. They provided a link for me to submit my financial data and identity information, and said that they 'd then quote a rate. Instead, however, I received phone calls and e-mails within about an hour from XXXX finance companies : XXXX, and XXXX XXXX. These companies said that they received referrals such as in my case from various entities, but seemed to imply that they did n't collaborate with organizations like the one which had sent me the aforesaid e-mail. I 've attached a copy of that message. 
I suspect that the aforesaid entity which sent me the e-mail was impersonationg the bank known as " JPMorgan Chase XXXX XXXX , XXXX '' That company usually just happens to use the brief name, " Chase '', to identify themselves, and note in that regard that they 've instructed me to make the checks which I send them for the monthly payments on my first mortgage with that institution merely to " Chase ''. 
The contacts which I received to solicit my business on home loans as a result of that suspicious-looking e-mail, and shortly after I 'd completed the link contained therein were : Loan Depot : XXXX, XXXXXXXX : XXXX, XXXX XXXX ( his e-mail address for the message he sent me : XXXXXXXXXXXX addition, I presented all this information today to XXXX XXXX XXXX XXXX XXXX for her investigation : " XXXXXXXXXXXX '' ), XXXX ( direct ) ; XXXX XXXX XXXX Office, Resolution Advocate ; XXXX, ext. XXXX. 
I have also reported this entire matter today by phone to the assistant manager, " XXXX '', at XXXX of JPMorgan Chase XXXX XXXX , XXXX 's branch offices in XXXX, Texas : XXXX ; XXXX FM XXXX XXXX, XXXX, TX XXXX ; e-mail address for the manager there, XXXX XXXX : XXXXXXXXXXXX said that she 'd refer the matter to the appropriate party ( parties ) within the corporation, but she has n't contacted me since then to indicate what she 's actually done, if anything.
Hello, My complaint is regarding a Macy 's credit card account in my name and with my social security number that shows up on my credit report. The account was opened in 2004 and has been paid consistently since then, almost always on time. The problem is that it is not my account. I never opened the account and the address and phone number are from states I 've never lived in. 
Somehow my SSN became attached to what I think is a legitimate ( not fraudulent ) credit card account that belongs to a different person with the same name as me. I have contacted the credit rating agency XXXX multiple times to dispute that this is my account but Macy 's Credit Services continues to confirm that it is my account. I have contacted Macy 's, but they have not process to change the SSN on an existing account that is not clear cut identity theft. 
Please help me remove my SSN from this credit card account that does not belong to me. Thank you!
I received a notice that I am being sued for debt collection by Portfolio Recovery Associates, LLC on a closed/and or charged off amount on a XXXX XXXX  ( XXXX ) credit card and must respond/appear in court in 19 days. I have been XXXX by a judge and only receive XXXX benefits and can not drive to appear in court, Account opened in XX/XX/2010, state of Texas, amount {$1600.00}. Any advice on this matter is appreciated,
I went into XXXX XXXX XXXX  XXXX XXXX during XXXX, 2015, after a XXXX XXXX on my hand. At the time I was in College and used my school health insurance, and paid a small co-pay for my visit. The doctor had thought that I might need XXXX but I healed without it. I have been billed for {$510.00} on XX/XX/2015 and XXXX on XX/XX/2015 totalling the amount of {$820.00} for 2 separate appointments, I only went to XXXX XXXX XXXX 1 time for my injury. I did NOT get XXXX on my hand.
I filed a previous CFPB complaint ( XXXX ) describing both a potential FDCPA violation and a realized FDCPA violation. Rent Recovery Solution 's response to this complaint only addressed the lesser, potential violation. I am repeating the complaint to get a response to the actual FDCPA violation which occurred on XXXX XXXX, XXXX. 

I received initial communication from Rent Recovery Solutions in the form a letter dated XXXX XXXX, XXXX XXXX no postmark present ). This letter did not include verification of the debt. On XXXX XXXX, XXXX, I replied via certified mail with return receipt asking for verification of the debt and to consider the debt in dispute. Per the return receipt, my dispute letter was received by Rent Recovery Solutions on XXXX XXXX, XXXX. I was called by Rent Recovery Solutions on XXXX XXXX, XXXX. I did not receive a verification letter until XXXX XXXX, XXXX. The verification letter is dated XXXX XXXX, XXXX and postmarked XXXX XXXX, XXXX. Because Rent Recovery Solutions knew the debt was in dispute and had not even sent verification, the phone call on XXXX XXXX, XXXX was in violation of FDCPA.
I have identity theft and fraud on my account. I have reported a claim before and now I will again due to someone else using my information, ssn, and other data in my credtials. The identity theft report number is XXXX. There are 7 disputes in the report. I am not sure how many more are in my other credit bureau reports. My social security number is XXXX and date of birth XX/XX/XXXX. Thank you for looking further into this. 


XXXX XXXX, XXXX XXXX
I received a voicemail from Patenaude & Felix XX/XX/XXXX regarding a delinquent XXXX credit card. I called back and the rep who answered the phone advised me of a payment plan of {$66.00} beginning later that month. I advised him that I was interested in the plan but that I needed to call back on the exact date I wanted to make a payment. He said that was fine and the call ended. I am still trying to get myself financially back on track and by XX/XX/XXXX I still was not able to make the payment. During the one call I had with the attorney 's office, I never advised of any bank account I wanted to use and never set up a payment. My surprise when I checked my bank account yesterday and noticed a {$66.00} check had been submitted to my XXXX XXXX XXXX account. That checking account was already overdrawn so that {$66.00} payment was returned and I was charged a {$35.00} nsf fee. I do n't believe it 's right that this 'attorney ' office and/or XXXX can just automatically take money from my account WITHOUT my authorization. I never set up a payment with Patenaude. I never even went on XXXX 's website and set up a payment. I was never given any plan details in the mail nor any sort of confirmation number since I never set up a payment. I find it interesting that the payment they tried to draft was the exact {$66.00}. I feel that the rep from the attorney 's office took it upon himself to contact XXXX and they took whatever checking account they had on file and tried to charge my account. I want to make good on my account but this is ridiculous. With the issues XXXX has had in the past this certainly does n't make them look any better in my eyes and this attorney should know what they have done is unlawful. Also, when I spoke with the rep I asked if I would get payment plan details in the mail first before I wanted that before setting up some payment. He said I would get it in the mail but it never arrived.
Equifaxs investigation about my debt dispute with XXXX did not PROOF or provide any supporting documentation that I LAWFULLY owe this alleged debt.
I have contacted all XXXX credit bureaus about my complaint about the numerous inquiries on my personal report. they have advised to write to each individual creditor and ask them to remove the inquiry. This is a task that a person who has a family or otherwise a livelihood can do. Even though I have submitted a request for a credit freeze this does not prevent inquiries from appearing on my credit report. I am requesting that after the credit bureaus review all of my complaints to the various creditors and understand the nature of the complaints they should remove these inquiries.
I received XXXX hard inquiries on my Equifax credit report from XXXX - XXXX in XXXX and XXXX from XXXX. The dates of these inquiries are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have used XXXX XXXX XXXX and XXXX XXXX for my internet and cable since XX/XX/XXXX, and have no interest in XXXX nor do I live in XXXX or XXXX. To this date, I have not seen an withdraws from my accounts.
On XXXX XXXX I received an email notifying me of a deposit of {$6600.00} someone made to my personal checking account. Since i did n't expect any deposit i called and notified my bank USAA. As i refreshed my mobile USAA app to see where the deposit came from my account started showing charges and withdraws at a XXXX in Georgia totaling about {$3700.00} or so from what the bank told me. I told my bank i did n't recognize the deposit or charges. So while i was on the phone with the fraud department with USAA the representative told me someone was trying to make purchases in Georgia as we were on the phone so the representative blocked my card/account. I was told they tried a few times to use the card but since it was blocked they gave up. The representative told me that they were going to do an investigation which could take up to 48 hours. He also said since it was Sunday i had to call back on Monday the XXXX and notify the Checking department about the deposit, that i did n't recognize it so they could look into it. I asked the rep if this would affect my other accounts and was told NO. I have other joint checking, savings and Youth accounts with USAA. So on Tuesday the XXXX i tried to use my accounts at the grocery store and all my cards were denied. I called the bank and i was told that ALL my accounts have been locked and i would n't have any access to any funds while the fraud was investigated which would take up to 48 hours I got upset cause no one ever notified me that they would be locking my accounts and leaving me with absolutly NO money. I told them i have a XXXX and XXXX year old and i need some money. I requested that i be allowed to withdraw $ XXXX {$300.00} of MY money from XXXX of my accounts that had funds just to hold over my family while they conducted their investigation and i was denied. I was told i had to wait 48 hours. It is now almost 2 weeks and my accounts are still locked. I have called everyday to check the status and i 'm told it will take 48 hours. Even the USAA reps i have spoken to have said it shows that the investigation has been completed days ago and they do n't see any reason why my accounts are still locked. Yet they are unable to unlock the accounts and i must continue to wait another 48 hours. Since i have n't been able to access MY money i have n't been able to pay any of my bills and have now received late charges, i have n't even been able to pay my rent. My landlord is charging me a late fee for every week its late. I now owe almost 2 weeks worth of late charges. I have told the bank of my issue and they keep telling me to wait 48 hours. I have had to borrow money from family and friends to get my family thru these last 2 weeks. It 's been almost 2 weeks and no one can give me an explanation why my accounts are still locked. I 've been a member of USAA for about 4 years and they have NEVER and any problems with me or my accounts. That 's why i still do n't understand why i 'm being treated like this. PLEASE PLEASE HELP ME AND MY FAMILY ...
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  We have been fighting an illegal foreclosure for over 10 years against Ocwen and  XXXX   XXXX . We are going through an endless nightmare. These companies are the most corrupt criminal enterprises. The physical and emotional abuse they cause is beyond what any human being should ever endure. They are the definition of a true terrorist. Anyone who has dealt with or is dealing with these criminals should be given relief immediately. The lawsuit that the CFPB, state Regulators and Attorney Generals ' have brought against Ocwen will hopefully put the last nail in their coffins. Ocwen and  XXXX   XXXX , both need to be put out of business for good! These illegal foreclosures have destroyed our way of life in this country. Something needs to be done to make all affected whole again.