WillisBack/dataset-financial-user-claim huggingface dataset:
A letter sent to NCC Business Services Inc, XXXX XXXX XXXX # XXXX, XXXX FL XXXX requesting the following : Explanation of what the amount owed, additional collection fees and how it was occurred. 
Copies of all documents and identification of the original creditor. 
Proof that the Statue of Limitations has not expired on the account. 
Proof that you are licensed to collect in my state. 
Your license number and Registered Agent Documentation. 
I also advised the collection agency that the amount owed was paid when we moved out of the apartment ( XXXX XXXX ) and the amount they are requesting is extortion. NCC is stating I owe {$2700.00} and has been reporting it to my credit report since XX/XX/2012. I have suffered 6 years of extortion of fees, negative/false credit reporting and have requested for the item to be removed but the company has not done so.
I have an XXXX XXXX XXXX for long time. I have ordered XXXX additional card to charge for the business expenses so that I can put all the business related expenses onto the card, in XX/XX/2016. I received additional card in mail but did n't activate it. So, I did not use the card at all. There is NO charges made on the additional card. But XXXX XXXX is reporting to Credit Bureaus as I have {$19000.00} balance on it, also as separate account. In my Credit report there are XXXX XXXX accounts listed now ( primary and ad additional card ) each with balance. Due to this error, my debt to credit ratio went up quite a bit that caused my FICO score to come down considerably ( about XXXX points ). I checked my credit report only few days back and realized that XXXX XXXX is reporting erroneous card balance amount. On Behalf of all XXXX XXXX Card holders, I request you, please look into this and take necessary steps to fix the issue. 
Thanks,
We fell behind in our mortgage 3 months and applied for a modification with our bank. During the modification process our bank sold our loan. The process then began all over again with the new servicer. We were never approved, and never given a satisfactory reason as to why. However the assignment of mortgage to the new lender is fraudulent. ( Copy attached ). The issues with the assignment of mortgage are as follows. PNC Bank , National Association XXXX XXXX XXXX XXXX is not correct. PNC was successor by merger to XXXX XXXX who was successor by merger to XXXX XXXX XXXX. The said mortgage amount assigned states {$390000.00} which in fact it was {$160000.00}. There was no mortgage with that document number recorded in XXXX County at that amount. ( Copy of note attached ). The person signing over the assignment who 's name is XXXX XXXX, Vice President had no authority to do so until almost a year later. ( Limited power of attorney attached. ) Also I 'm attaching Forensic Loan Audit showing the break in the chain of title. This is wrong in so many ways and I want this cleared off the title and I want an explanation from PNC as to why they fraudulently sold my home and evicted me.
I purchased a vehicle from a used car dealership XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2012. Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. The car was a lemon. It broke down completely and I returned the car to the dealership on XXXX XXXX, 2012. The car was towed back to the dealership. Westlake Financial has been reporting to all XXXX credit bureaus that I still owe the full amount of the loan with wrong information and refuse to remove this or the debt. Truly a horrible nightmare experience dealing with them, the dealership involved, and the credit bureaus. I 've been disputing this for years with no resolve. This is making a negative impact on my credit reports and life. It 's preventing me from having any credit from other lenders or even my own bank because it reflects the entire balance as a charge off. I want others to be aware and stay away from them.
Capital One has disabled access for authorized third-parties i.e. finance apps for users to access their own data, make payments/pay bills via their API.

This was initially reported to me as a Debitize customer.
This seemed too petty to complain about at first, but then I realized they are doing this to thousands of people, I have a XXXX XXXX Chase credit card. With this credit card, I am promised XXXX free passes to XXXX XXXX XXXX. Then, I find this cheap airline ticket to XXXX through XXXX. I have the XXXX XXXX terminal, it 's overcrowded and you end up paying {$3.00} for a brown banana. But that does n't matter, because, hey I 've got this pass for the XXXX XXXX. 

Except I do n't. I find out when I get there .. I 've seen no other notice ... that pass members are not allowed to access the club. I am not allowed access and not offered compensation. Now, this is understandable, as there is verbiage about " availability '' in the pass notes. But here 's what infuriates me : the reason was because of renovations. They closed all the Clubs to one-time passes in all XXXX of their XXXX hub clubs for a cause under their control. They **planned** a shortage of capacity -- the weather was fine and travel conditions normal -- and solved their problems at the expense of low-priority customers. Customers who had no realistic way to know they did this. This is an ongoing condition. Customers lured into flying through XXXX under these conditions should receive compensation. It 's worth noting that I checked and it was an option to pay {$59.00} for club access in XXXX online. If it was so crowded, why was that allowed?
To whom it may concern. 
I have a few concerns with my HAMP loan modification with Chase Bank Starting XXXX XXXX XXXX with my Trial Period Payment. I feel these needs to be brought to your attention for review. 
# 1 - My first concern with my HAMP loan modification Is that I was paying my Property Tax and Homeowners Insurance before starting the trial period payments. Chase added an Escrow account to my HAMP and took Escrow out of my Trial Period Payments [ TPP ]. None of this Escrow from my TPP shows up as applied funds in the History I received to check on how my funds were being applied. These funds being made to an Escrow account total {$560.00} from the XXXX XXXX 's and on XXXX XXXX only {$180.00} is being applied to Escrow. 
# 2 - When I received loan modification papers. I called XXXX XXXX, the representative which worked with me on my loan modification process. I asked about the {$1100.00} shortage that was in the cover letter with my final Loan Modification documents. This statement included in my escrow payment of {$180.00} and I would have 5 years of payments to repay the {$1100.00} shortage. XXXX said the increase was around {$20.00} ( I figured the exact amount to be {$19.00} ) or I could pay full amount. I opted to do the 60 month payment plan. 
In XXXX XXXX, I received a letter from Chase Bank escrow department stating I was short {$1800.00} ( different from when the loan modification that just started ) there was an : o Option A : to pay the {$1800.00} shortage in full. 
o Option B : pay {$31.00} over 60 months. 
I opted for Option B once again. This brought my loan up from {$870.00} to a new amount of {$940.00}. I now question whether the 60 month Escrow program can be reinitiated once it has been started. 
Now my new payment starting XXXX/XXXX/XXXX was {$68.00} more than my first payment. If I was to pay an extra {$31.00}, this figure should have brought my new payment to {$900.00}, not the figure Chase Bank came up with that was so much more. 
Then another increase starting XXXX/XXXX/XXXX to a new amount of {$950.00}. 
The shortage again increased starting XXXX/XXXX/XXXX with a new amount of {$960.00} The letter dated XXXX/XXXX/XXXX still showed a shortage of {$1400.00} with a new monthly payment starting XXXX/XXXX/XXXX is {$970.00} which includes {$45.00} extra for next 32 months to pay back the shortage. 
I would like your offices to be informed about XXXX 's from Chase which is more than what actually was paid by homeowner to Chase in interest. If homeowner claims what Chase is saying and the amount was really a lot less, what are the repercussion with the IRS by taking Chases figures from the XXXX that could be wrong.
TD Bank is reporting account number XXXX twice as a charge off account to XXXX. On page 23 of the XXXX report dated XX/XX/XXXX it shows account number XXXX, last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off in XX/XX/XXXX with a balance due of {$3300.00}. On page 25 of the XXXX report dated XX/XX/XXXX it shows the same account number XXXX last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off / Sold or Transferred in XX/XX/XXXX with a balance due of {$0.00} NOTE : Page 23 has account number XXXX as being open on XX/XX/XXXX ; Page 25 shows the same account number XXXX as being open 9 days later on XX/XX/XXXX I have contact TD Bank Via Phone on XX/XX/XXXX and on XX/XX/XXXX I have sent them every document they have requested, in both conversations I requested that one of the entries be removed because both entries have the same account number and they are causing double the points to be removed from my credit score, TD  Bank has refused
Sears Credit Card has changed the way to access online statements. You now need to have an active credit card to create an account. They closed my account two years ago when I was unemployed, even though I paid them on time every month. Now I can not access my balance or schedule payments because I can not access my account online. I have to wait for them to send me a monthly statement in the mail ( and they do n't even provide a mailing envelope anymore! ). I feel this is an underhanded attempt to get people to mail in payments late so that they can collect more late fees off account holders who no longer shop with their credit cards.
Please consider this letter a direct dispute under FCRA. A review of my credit report has revealed a hard inquiry by Compass Bank dated XXXX XXXX, 2015 via XXXX. 
I currently have an association with Compass Bank through a checking account in the name of the " XXXX XXXX ''. The checking account, ending in XXXX, was opened in XXXX 2015. Between the opening of the account and today, I have not applied for additional services or products from your company. Therefore, I believe that you did not have permissible purpose to pull credit history from XXXX or any other Credit Reporting Agency on XXXX XXXX, 2015.
The CFPB has jurisdiction over this isssue because as a consumer I have been victimized by unfair, deceptive, and misleading practices by the bank where I Have been a loyal and responsible user, discriminating against me unfairly and without good cause. Therefore, I am protesting the wrongful and unlawful closure of my credit card ending in XXXX that was NEVER DELINQUENT. 

1. I opened this credit card around XX/XX/XXXX and was NEVER DELINQUENT, as you can see by my credit report this card was never 30 days late, etc. because I managed this debt responsibly. I am XXXX due to XXXX, and I require this card to make medical purchases. 

2. On or around XX/XX/XXXX my card was lost and I contacted BBVA Compass Bank to request a replacement be mailed to me. 

3. While waiting for the card to arrive, I paid the card in person at the branch. I was informed at the branch the replacement card was on the way. I was never informed by the branch this card was closed, and I had no reason to believe my account was closed. 

4. After waiting for months for my replacement card, I checked the status online : As of today online the account shows available credit of {$490.00} ( Exhibit 1 ), 5. Also, because I have still not received my BBVA Compass Bank credit card, I phoned in to Compass Bank, and was informed today that my account was closed because it was late, which is why I was not issued a replacement credit card.

5. Compass bank is misleading me by violating Regulation Z Truth in lending by stating to me the account is closed yet reporting an available credit for this account online. I never received a notice this account was closed, nor did i have the option to dispute this, and I would not have suspected this account was closed because the website states an available balance. 

6. To investigate this matter I went to the added expense of pulling my credit, and was surprised to find out from my credit report that this account was closed despite the fact that the credit reporting shows it is never late ( Exhibit 2 )
Received letter from allied interstate on  X/XX/17    for debt of $  XXXX  I  've disputed this debt several years ago.Did n't receive any response until the above referenced date.Never heard of    XXXX   XXXX    or  XXXX .
Yes, I am a victim of a mistake by XXXX XXXX XXXX XXXX. They made a mistake on my case by explaining how their arrears dates work. I was under the clear impression that I was only one month behind on Child Support because I made my payment on XX/XX/2018. However, it was never explained to me that if the payment does not get into their system by the first of the month, it automatically goes into arrears! 
It takes my XXXX XXXX autopay about 4-5 days to go through their system. They went ahead rudely and illegally submitted my case to collections which hit my credit report- lowering it and causing a huge problem now with getting the collection off. I immediately called them and put thebalance on my credit card and paid them up in full but now I have a mistake on my credit report! I need help with this.
I took out a loan with this company called Loanme and every month, right after 1 day of delinquency, they start calling my cell phone incessantly from spoofed or fake numbers. They are located in XXXX XXXX, but they call from fake numbers from all over the state. Their main number is XXXX XXXX, but they call from various fake numbers including the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Capital One sent a promotional email and to apply for a credit card on their website https//www.capitalone.com/credit-cards/get-my-card/ REFERENCE #  XXXX  ACCESS CODE #  XXXX  I applied and was approved on  XXXX   XXXX ,  2017 . Capital One issued my credit card and sent me a confirmation email on  XXXX   XXXX ,  2017  on  XXXX   XXXX ,  2017  I received the credit card in the mail with activation steps. When I called Capital One  XXXX  to activate Capital One said the account was closed and to reference case #  XXXX  and that they sent emails in error. Capital One has had a breach of some sort and personal information fraudulently handled.
XX/XX/XXXX I was interested in attending The XXXX XXXX. After being accepted to the college the financial adviser said I would need to apply for a student loan if I was not able to pay for the tuition out of pocket. The school 's adviser filled out all the paper work for me. Then the loan company ( XXXX XXXX ) said I was not approved for the student loan, but if I had a co-signer they would approve the loan. Under the assumption that I would need XXXX co-signer to be able to go to college and receive a college degree, I agreed to use my mom as a co-signer for the student loan. The school had me in a fast track program, I was in school from XX/XX/XXXX to XX/XX/XXXX and have a student loan for over 30,000 $ US. After those months had passed, the school told me I would need another student loan to continue my education. Again, the loan company said I did not qualify for the loan, and this time, they said my current co-signer did not qualify for the loan as well. Growing up with XXXX parent and not having any relatives this forced me to be unable to continue my education. I have been working ever since I had to stop going to school to be able to pay back this student loan which I feel I should have never received if my co-signer and I were both denied.
My mortgage servicing company has improperly calculated my escrow payments. I have repeatedly told them that they have n't calculated my escrow account properly but they will not change it. I currently pay about {$110.00} per month than what I should. The mortgage servicing company has inflated the tax basis of my property. They also established this escrow account without my permission.
Hello. I never make any changes about my address. I live in XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. They been confused about my daughter information because she move at XXXX XXXX XXXX and she make mistake at the pistal office to request my mail to her address because she didnt mark individual. I have to clarifing in banks and also calls the credit cards to send me the bills to my address. I m so sorry for the inconvenience. Thanks so much
I was informed of a U.S. Bank fraudulent charge account ( ALLEGEDLY ) initiated by my wife, after XXXX on XXXX XXXX, XXXX. 

I closed a U.S. Bank charge card account back on XXXX/XXXX/XXXX due to the incredibly poor handling of a fraud issue. U.S. Bank was informed in writing, " DO NOT EVER SEND ANOTHER CARD TO THIS ADDRESS. '' Apparently they did and my deceased wife has been using it on her own. 

U. S. Bank was immediately informed of this discovery by " ME '' shortly after her death. 

U.S. Bank in turn dumped the entire debt onto the credit bureau accounts under my name. I have never seen this application or a charge card. I have told them, " YOU FRAUDULENTLY PUT THIS XXXX ON MY CREDIT REORT, YOU GET IT OFF. 

I have been in too many discussions to count with U.S. Bank fraud department employees all to no avail. 

U.S. Bank was informed of the discovery of a forgery kit utilized by my deceased wife. U.S. bank has been informed of everything all to no avail. 

U.S. Bank continues to send statements every month even though they are fully aware this is an issue " UNDER CLEAR DISPUTE. '' As a result of their ineptness, I have turned this issue over to my attorney, XXXX XXXX XXXX attorney and counselor at Law. XXXX XXXX XXXX XXXX. He has sent them a document with my signature authorizing him to act on my behalf all to no avail. He has sent them letters and tried to call them all to no avail. 

In closing, I have never seen or used a charge card from U.S. Bank after XXXX/XXXX/XXXX. I want the information that was fraudulently applied to my credit report by U.S. Bank removed.
XXXX. Not my account. 

This situation has been ongoing for so long, I do not even know when it began, but do know that I am very ill and XXXX at the time and over XXXX. 

I could hardly believe I received another collection letter recently, thinking after speaking with XXXX a few times, that per them, all was corrected. I have had the same phone number for many years, 14+. I started getting billed first from XXXX and then the collectors. 

The statement amount if for {$470.00}, dated XX/XX/2017, which was sent with the collector letter. I.C.System, account # XXXX, ref # XXXX. {$94.00} of this amount is for a collection charge. 

I realize one could talk until they are blue in the face with people like this to no avail. Well, I buy cheap phones and keep my bill down. I do not know how this occurred, but want the harrassment stopped.
I have a a unverified account from XXXX XXXX I have previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt and received no response twice. I also called and was told the would send paperwork and I have yet to receive anything 3 months later. I requested XXXX XXXX   Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
I have not received the formal letters nor 30 day notice letter. I called them and spoke with supervisor on the day I received my first letter stating they would garnish my checks from my current jobs. He stated the informed me about this through mail. I asked for address on file and not was one I Have never stayed at. I asked him the schools I went to had my mom address and mine at least they would of gave u the right address. He apologized and insured me he would stop garnishing process and submit the paper for it. He said it would only stop for 30 days and to call back and speak with rep to set up payment plans. He took my current address and said letters would go out. I still have not received any letters but they have taken my tax refund without notice to. They are garnishing my checks and took my refund I can not even afford to live right now that Im being forced to file bankruptcy all because of a company being very underhanding and withholding arrangements for me to be able to pay.
On XX/XX/XXXX, I sent Transunion Credit Bureau a handwritten letter to dispute two bankruptcies shown on my credit Case # XXXX and Case # XXXX. I sent this letter certified ( USPS Tracking # XXXX ) which it was received on XX/XX/XXXX. In this letter I requested Transunion to submit verifiable proof since these are unverified bankruptcies. Transunion sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, the information is verified as accurate and information updated. On XX/XX/XXXX, I mailed Transunion another letter ( copy is attached ), stating they did not provide me with a copy of any viable evidence. Transunion sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, the information is verified as accurate. Transunion has failed to provide me with the name of the company they verified this information with and the information I have requested so I can properly dispute this with the reporting company. I have verified and received correspondence from both bankruptcy courts and PACER, that they do not verify information with the credit bureaus. I do n't know who they verified this information with. This is a violation of the Fair Credit Reporting Act.
On XX/XX/XXXX, Wells Fargo improperly applied an additional payment as if it was a regularly monthly payment, assessing interest and sending part to the escrow. On XX/XX/XXXX, I notified Wells Fargo that that the entire payment was to be applied to the principle, and the WF agent agreed to fix it by " backing out the payment and applying it to the principle only ''. On XX/XX/XXXX, I received a call from WF informing me that it would take until XX/XX/XXXX to fix it. I protested, and about 1 week later, noticing no action or remedy, I contacted a WF " supervisor '' who promised to fix the problem " within 24 hours ''. Since XX/XX/XXXX, I have seen my account balance go up and down 3 or 4 times, and it is still incorrect. I have received a " past due/foreclosure : notice. I have had my credit history. with XXXX  show me to be behind in payments, and my credit score lowered. I have possibly been charged unfair interest during this fiasco, I can not tell. I want a written explanation of the reason this has occurred and I want it fixed.