WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I applied for a business credit card with Capital One. I was approved pending review. After receiving an email, indicating primary documentation was required to be provided I complied by having to go into a local branch as I was told I could not reply immediately to the email they had sent. Despite the inconvenience, I went into the branch where a simple task of faxing over documents for verification, which I had, took over an hour. The banker initially lied that the fax machine wasn't working. After having to follow up with the banker on XX/XX/XXXX that the fax was received by the right department, I waited 72 hours before contacting the credit card department. The automated response unit upon me calling stated I was approved and that the credit card would be mailed within 10 business days. I chose the option to speak to a rep. to ascertain for how much I was approved. The rep. apologize for the error of the automated system and stated the documentation that I sent was not acceptable despite it being exactly what they requested -- the articles of organization. This has been escalated to the highest possible department and additional documentation was requested to which I have replied. The person in the Office of the President said she exhausted all possible channels and despite me providing two primary forms of documentation consistent with the information provided on the application about my business entity that there was nothing else that she can do. I feel Capital One is discriminating against me and my business. I also filed a complaint with the OCC. Case XXXX. They still have not responded to that and have exceeded 35 days.
Took out a {$200.00} loan in XXXX at Speed Cash in Tennessee. They have debited my account for two years {$60.00} to {$90.00} every month. Its XXXX and they say I still owe {$320.00} to pay off. This is the biggest rip off that I have ever seen. This place need to be stopped.
EXPERIAN CREDIT BUREAU IS IN VIOLATION OF THE " STATUTE OF LIMITATIONS '' ON MY CREDIT MATTERS, " SINCE XX/XX/2018 COMPLAINT XXXX ABOUT EXPERIAN ''. MY CIVIL LIBERTY RIGHTS, FUNDAMENTAL RIGHTS BEING VIOLATED. THEREFORE ; FAILED TO NOTIFY ME ABOUT MY CREDIT REPORT DISCREPANCIES IS IN VIOLATION OF " STATUTE OF FRAUDS, AS THEY PUT A STATUTORY PERIOD. CF. LACHES ON MY CREDIT MATTERS, WITHOUT PROMPTLY CONTACT ME ABOUT MY CREDIT REPORT DISCREPANCIES, ETC. DEEMED TO BE A TRIAL BY AMBUSH OBVIOUSLY HAPPENED TO MY CREDIT REPORTS MATTERS. VIOLATION OF MY FOURTH AMENDMENT ( 1791 ) AND MY FIFTH AMENDMENT ( 1791 ) AMENDMENT VIII AND AMENDMENT IX ( 1791 ) ALSO BEEN VIOLATED BY THE CREDIT BUREAU [ S ] AGAINST  MY RIGHTS. DEEMED BIAS WITH ANIMUS ACT AND ACTIVITY AGAINST ME, ACCORDING TO OUR RULE OF LAWS I MENTION HERE-ABOVE. XXXX XXXX IS IN VIOLATION OF OUR CIVIL LIBERTY RIGHTS, & FUNDAMENTAL RIGHTS, AS I MENTION HERE-ABOVE ALSO. BIAS WITH ANIMUS CONSPICUOUSLY.
Phone call said a rebate available if I reloan with them. First was told {$10.00} by manager then when arrived told {$20.00} by another. When I call day before due was told {$45.00}. I CONFIRMED THAT a second time with the clerk. I assumed mistake made. I called next day BEFORE I left home and was told {$45.00}. I had a ton of paperwork to sign too ; then was given {$20.00}. I protested. Manager callEd her boss. I heard her LIE and said I wanted {$50.00}! She would NOT give me my paperwork back either. I will SWEAR in a court of law and take lie detector test. I was told {$45.00} three times.
I purchased a property using a VA Loan on XX/XX/XXXX through USAA. My closing attorney paid the XX/XX/XXXX property tax ( {$1400.00} ) on XX/XX/XXXX. The Mortgage company paid the property taxes again on XX/XX/XXXX with funds from my Escrow account. The Mortgage company acknowledged verbally on the phone that they had made a mistake and that once they had received a refund from the County Tax office, they would deposit {$1400.00} back into my Escrow account and reassess my Escrow payments. On XX/XX/XXXX I spoke with a customer service manager, XXXX and he said the funds would be deposited back into my Escrow account no later than XX/XX/XXXX. I have spoken with customer service representatives multiple times in late XX/XX/XXXX and early XX/XX/XXXX asking them to provide an invoice with the transaction code, so I can confirm with my County Tax office that they received USAA 's payment on XX/XX/XXXX and are either holding the funds or have returned them to USAA. The USAA customer service group is claiming that they can not provide the invoice, because it needs to come from their Escrow/tax management group, which they can only send written requests too. They claim they have asked the Escrow/tax group provide this information, but have not received it yet. 
I suspect that USAA is intentionally holding these funds in limbo slush fund to earn money or someone at USAA is embezzling money from Escrow Accounts. 
I want the extra property tax payment of {$1400.00} made on XX/XX/XXXX refunded to my account.
Aspen National Collections  (   XXXX   XXXX ,  Manage  r )  sent collection letters on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX , I disputed on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  by fax. 8 months later on  XXXX / XXXX / XXXX , Aspen reported to    XXXX   {$2200.00}  ( ori ginal creditor :  XXXX   XXXX  {$1600.00} plus {$570.00}  Aspen  fees 35 % of original balance ). I disputed to  Aspen an d   XXXX   on  XXXX / XXXX / XXXX , requesting to remove collection from  XXXX .  Aspen r efused to remove, I disputed again on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX ,  XXXX   XXXX  at Aspen sent me a letter stating his " client has no access to the contract you signed '' ; therefore, he is unable to prove he can charge collection fees in the amount of 35 % which is a violation of the FDCPA. Aspen is unable to provide payment history regarding statute of limitations because NO payments have been made. I disputed again with Aspen on  XXXX / XXXX / XXXX . Aspen is incorrectly reporting to  XXXX  that this is a new account opened on  XXXX / XXXX / XXXX  and incorrect original balance of {$2200.00} ( original creditor alleges balance due is {$1600.00} on  XXXX / XXXX / XXXX  ). I dispute debt in its entirety ; however,  Aspen  is intentionally reporting incorrect balance due, incorrect original date of debt and can not provide Contract to prove they are allowed to charge excessive collection fees of 35 %. I discovered that  Aspen  incorrectly reported to  XXXX  when I was checking my score to get an auto loan. Because of Aspen, my score has dropped drastically.
Several months ago ( mid XXXX to XXXX 2017 ), personal information including my Name, Address, SSN,  credit card numbers, and other information was accessed illegally through Equifax 's poorly secured databases. This breach was only recently made public although they have known about it for months.
This is an update to a previously submitted complaint ( XX/XX/XXXX ) regarding multiple violations during the mortgage refinance application process and refusal to properly release the appraisal. I have an updated request due to the time limitations ( if action is not taken soon, appraisal will expire ) as well as Wells Fargo 's failure to communicate in a timely manner. Per my last conversation with Wells Fargo representative on XX/XX/XXXX, I was to receive an update by XXXX on XX/XX/XXXX. That did not happen, adding to the pattern of habitually late responses. Therefore, if appraisal is not completely released ( per guidelines already discussed with Wells Fargo ) before it expires, I am seeking financial damages in the full amount paid for the appraisal.
My wife and I recently applied to have our home loan modifying with Wells Fargo and were turned down. Wells Fargo responded to our request to reduce our mortgage payment by saying they would offer us a short sale option We receive social security and can afford a reduced payment plan if the loan were modified with payments were stretched out over a longer period of time. I am XXXX XXXX XXXX and a XXXX XXXX XXXX veteran My wife is XXXX. We truly believe that Wells Fargo is discriminating against us because of our age. We have lived in this home for 45 years and don't want to leave. This is where we want to live for the remainder of our lives.
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLC Consumer Dispute Center XXXX, PA XXXX XXXX Account Number Num : XXXX Balance {$800.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/16 I have not received any information or correspondence regarding this account. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
I received a notice dated XX/XX/2016 from XXXX notifying that they made a claim for payment on the FHA mortgage insurance. The notice also stated that FHA sold my mortgage loan to XXXX and that Carrington Mortgage Services, LLC ( " CMS '' ). 
The notice further stated that as a result of the assignment of my mortgage to HUD, the payment by FHA of the FHA mortgage insurance claim and the [ mortgage insurance ] was terminated and not further premiums are due by me. 
I have been experiencing financial hardship so on XX/XX/2016, I completed the CMS 's Request for Mortgage Assistance ( RAM ) package seeking to modify my current mortgage loan. 
On or about XX/XX/2016, I received a Trial Period Plan Agreement letter dated XX/XX/2016 ( " TTP Letter '' ), whereby the following modification was offered : TTP Schedule TTP Amount Due Date Good Faith Payment {$10000.00} XX/XX/2016 1st Trial Payment {$2100.00} XX/XX/2016 2nd Trial Payment {$2100.00} XX/XX/2016 3rd Trial Payment {$2100.00} XX/XX/2016 The TTP Letter further states that once the Trial Period Plan begins, if I do not meet the terms of this Plan and your are not eligible for any other loss mitigation option, CMS may, without further notice to me, terminate the Plan and commence or continue collection and/or foreclosure proceeding according to the terms of my Note and Security Instrument. 
On or about XX/XX/2016, I have received a Notice of Intent To Foreclose dated XX/XX/2016 if I did not pay {$160.00}, XXXX. 
The Good Faith Payment in the amount of {$10000.00} is tantamount to a down payment in order to get a loan modification. CMS knowingly and purposely offered a trial period plan that failed to modify my monthly mortgage loan payment to an affordable amount in order to avoid foreclosure and is demanding that I pay down payment of {$10000.00}, which I clearly can not afford.
Settled debt with XXXX XXXX XXXX XXXX. ( Discover ) for less than full amount on XXXX/XXXX/15. They took payment and told me that I would get a letter noting this after 21 business days had passed based on what some bank told them they need to do. I have called them @ XXXX a total of XXXX times requesting this letter and have been told that it was mailed but have not rec 'd it. After calling again today XXXX/XXXX/15 ( XXXX XXXX-ext XXXX ), I was told that XXXX of their attorneys has to approve the letter being sent but they would not allow me to speak with this attorney for clarification. I asked for a supervisor ( XXXX XXXX-ext XXXX ) but was told he was too busy to speak with me. I believe that I am getting the " run around '' and would like to file a complaint as this seems to be an unfair debt collection practice.
I really need someone to assist me because I have been going through this for years with absolutely no assistance. I am a victim of identity theft. I worked at a company where the personnel who gave me my separation papers mistakenly provided me with another person 's information partially with mine as well as provided my information to this other person ; we both have the same first and last name, different middle name. This person used my information to open accounts as well as go to the extent to use my name and social security # when he went to jail. I had thought that this whole debacle had been cleared up on my credit report, but now that I am seeing it again, I know that it has not been. I am including my letters to the bureaus as well as my identification and affidavit. I was not able to obtain a police report. When I went in to the station to file one, the officers laughed at me, stated they " do n't give a crap about something that happened in Virginia '' and would n't make a report for me. I do not have the option to file one online, either as my area does not allow for that. 
I 've disputed this with the bureaus and creditors in the past and have received no assistance. 
As for the NFCU account, I did not open or authorize this account and I have no knowledge in regards to it. I notified them as well and nothing happened ; this is the same result from the credit bureaus. 
The accounts and inquiries in dispute are listed on the letters that I have attached.
I never got or requested a loan from Great Lakes or no other loan company. I never signed for a loan.
On XX/XX/XXXX, I contacted PennyMac to have our house assessed to have our PMI removed. In XX/XX/XXXX, our house appraised at {$350000.00} Since that time we have added a new roof, a new water heater, a new furnace, we have put in a {$2000.00} fence in the back yard, and housing prices have risen in general. We asked PennyMac to do a BPO and were told that someone would drive by and look at the front of our house and the back of our house from the outside and that the person would also pull comparable for houses in the area. The first time the BPO happened, the amount came back at {$320000.00} Upon closer inspection, it appeared the person who did the BPO did not even take photographs of the correct house, but instead photographed our neighbors house. In addition, all of the houses that were pulled as comparables had far fewer square feet and almost all of them were much older houses than ours, one up to 18 years older. We pulled some of our own comparables from our area that more accurately compared to our house and sent them to PennyMac, which put the value closer to {$400000.00}. In addition, we notified them that the BPO had taken photographs of the wrong house. We received a letter from PennyMac indicating that they were not going to change the BPO amount. It is preposterous to assert that our house value has gone down from XXXX to XXXX in the current market. Furthermore, the BPOs own document puts the average sale price in the last 3 months for comparable houses at XXXX. We believe this is a systematic problem with PennyMac in an effort to unnecessarily collect PMI when it is not appropriate. Our house only needed to appraise at {$360000.00} to have PMI removed and it is unfathomable that it would n't come back at that amount. What PennyMac is doing borderlines on fraud. After further research it appears that this is being a problem nationwide where mortgage companies are forcing the use of their own selected individuals to do BPO and appraisals and they are routinely and conveniently coming back under the amount necessary to remove PMIs. I ask the CFBP to investigate this systemic and nationwide problem so that consumers are not at the mercy of these corporate companies who have an incentive to keep the PMI in place. Thanks.
I am a victim of identity theft. XXXX XXXX XXXX, a debt collector, is attempting to collect a debt for an apartment lease executed in my name without my knowledge. I directly contacted the debt collector via certified mail in XX/XX/XXXX. The debt collector did not respond. I then filed a complaint against the debt collector with the CFPB on XX/XX/XXXX -  complaint XXXX. I included a copy of the police report as well as my full name, social security number and DOB in the CFPB complaint. I instructed the debt collector in the CFPB complaint to stop contacting me via phone and to only contact me in writing. The debt collector has continued to attempt to reach me via phone and has never mailed me anything. The debt collector responded to the CFPB complaint asking me to call them and telling me they could not locate my account, even with all the information included in the complaint. The CFPB can verify this by looking at the closed complaint. I now have an address in XXXX XXXX being reported on my credit report that I have never been associated with. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Other creditors may be opening accounts in my name without my knowledge and using this fraudulent address to send mail to. I have contacted the apartment complex in XXXX XXXX that XXXX XXXX XXXX has reported as a valid address on my credit profile and have received a letter from the apartment complex confirming I do not live at this address nor have I ever. I have also updated my Affidavit of Identity theft through the FTC and have attached a copy of that to this dispute. I contacted the credit bureaus via phone to inform them that I have this letter from the apartment complex saying I never lived there and was not able to upload it as neither upload site was working correctly. This letter from the apartment complex is signed, dated and includes contact information. The credit bureaus give me a pre-prepared response saying they are opening a dispute on my behalf and that they are contacting XXXX XXXX XXXX to verify the information. XXXX XXXX XXXX has already proven that they are not following the Fair Credit Reporting Act and the evidence of that is in the CFPB portal.
This is 100 % identity theft and this collection company does not care. The consumer reporting agencies have stopped putting this collection account on my credit file. Each time they remove it, XXXX XXXX XXXX put it back on my credit report. They are trying to collect a debt from Capital One that is not owed and they should not be reporting it to my credit file. I have a police report! 
This situation emerged since my personal data is cherished to thieves, and XXXX XXXX XXXX are in the business of buying collection accounts that arent owed. They retaliated against me for filing a complaint with C.F.P.B. This retribution came at the behest of XXXX XXXX XXXX C.E.O. As a Veteran who fought for this country, and a XXXX XXXX Family Member they are treating me like the scum of the Earth.

Furthermore, I have collected social security benefits for the past twenty years. I can not afford a credit card from Capital One. In fact, my brother is the overseer of my finance. I only get {$710.00} per month. If Capital One approved a card in my name then they must be charged with fraud. Even if I owe it, I can not pay it, and they can not pursue civil actions against my social security benefits. 
Please help protect me against this horrendous collection parasite of a company. I had no other choice but hire Attorney XXXX XXXX for protection. Please help!
Equifax removed many CURRENT accounts from my credit history, which had a great impact on the age of my credit history. As a result, my credit score decreased by 65 points! This may be due to confusion over my single vs. married name.
I was doing some credit monitoring and noticed an agency on my report. The agency name is Stellar Recovery Inc out of XXXX, FL, the # listed XXXX, reporting for {$67.00} the original creditor was not listed. I called to inquire about what this was about and was advised this is a debt from XXXX form XX/XX/XXXX after being transferred twice and this is a debt I have never seen before that showed up on my credit report XX/XX/XXXX. It did not state a creditor just the third party collection company ( Stellar Recovery ). I advised them I had never received notice of the debt. I was not notified by mail, phone or even e-mail. I did advise I was going through a divorce but still had the same telephone number, ( which they verified with me that they had on their records. ) They told me they sent notices XX/XX/XXXX, to which I was then told had come back with a bad address. However I still had never received any phone call in those 5-6 years. When I was speaking to them about they did advise they had the correct telephone number but I still yet to receive a phone call. I advised that I am willing to pay this debt but due to the fact that I was not notified I would like this deleted off of my credit report. I was told by XXXX different agents that they will not do this. I asked to speak to a supervisor, XXXX XXXX got on the line and advised me that the loan can only recalled from the original creditor to be deleted. I asked him if his company reports to credit he stated yes, they also collect for XXXX, however refuse to delete the credit when I was never notified of the debt. ( His direct line is XXXX ). I called the original creditor XXXX. They advised me that the do not report to credit. That they will recall this debt. I am in limbo this matter, I have worked very diligently to restore my credit to have a {$67.00} account listed in collections and the company refuse to go by the FDCPA and the FCRA.
I am contesting the account with XXXX/XXXX. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$590.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 0 % usage. I need Experian and XXXX/XXXX. to correct this account on my Experian report. I should not owe XXXX/XXXX. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.