WillisBack/dataset-financial-user-claim huggingface dataset:
Attached is a letter from Nationstar stating that I requested for assistance. I do not know which assistance Nationstar is referring to because I never requested for any assistance nor did I discussed it with anyone at Nationstar. 
On XXXX XXXX, XXXX, at about XXXX, I spoke with my XXXX, XXXX XXXX about the status of my XXXX Loan Modification which they took over from XXXX Bank in XXXX as that XXXX Program is still in progress and yet to be resolved. She told me I have to re-apply for the program again and according to her the water shed is XXXX XXXX, XXXX : I think she meant to say deadline. I told her the deadline is for New applicants to the Modification Program to give them the opportunity to apply for the program to help modify their mortgage loan to a more affordable monthly mortgage payment. She disagreed with me and said both old and new applicants are to re-apply again. I also told her once you are in the program, you are in and there is no deadline for old applicants and that includes me. However, she decided she will mail me a packet and will be over knighted to me. Again, attached is the packet via XXXX. Also attached is my phone conversation with her on XXXX XXXX, XXXX at about XXXX regarding the matter.
I submitted a complaint about XXXX XXXX on XX/XX/2018 to CFPB, ( case # XXXX ). A part of the complaint was that they were contacting my mother who is not an authorized user on the account. They shared confidential information with her. I was informed that the bank reached out to her yet again on XX/XX/2018. The call was from phone number XXXX. They have not justification for reaching out to her, as she is not on the account, and they have all of the information already. The number they continue to call her at is XXXX. 
At this point, this is harassment, and we are currently seeking legal counsel.
On XX/XX/2017 XXXX/XXXX made an unauthorized Inquiry on my XXXX  and transunion REPORT! 

But XXXX/XXXX has AGREE to Delete this Inquiry! 

Please send ATTACH letter
After receiving a copy of my credit report, I discovered that this debt was being reported without me having any knowledge of even having this debt. I have attempted on several occasions to obtain validation and verification of the debt from the creditor. The collection agency has no knowledge of anything about me outside of my name. When I contacted the collection agency, the representative repeatedly requested my birthdate, social security number, address and phone number in a very rude manner, before giving me any information pertaining to this debt. Representative also informed me that it was against the law to refuse to pay a debt that I owe and attempted to collect without verifying that is was indeed my account, that I owed on the account. or what the amount owed actually was.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # XXXX XXXXXXXXXXXX Ph : XXXX I have been getting calls as well as my family members that I owe debt to this company and my credit report does n't show that I owe anything to any collection agency/creditor or I 'm delinquent with any creditors. They mailed a letter to my mom that I am past due with the amount of {$4000.00}. 

This is the information on the letter : Client : XXXX XXXX XXXX File : XXXX Original Creditor : HSBC Account : XXXX Please see collection agency information below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Riverside, CA XXXX Phone : XXXX Fax : XXXX
For about 10 years, Citibank has been sending me informational notices. When I have called them in past years, they told me not to worry about it or that the wrong address is no longer their system or otherwise dismissed my inquiry. 

On XX/XX/XXXX, I received a privacy notice, CRE 278 Rev. XX/XX/XXXX, Item XXXX. 

On XX/XX/XXXX, I contacted Citibank customer service. They were unable to locate my account. 

Someone has opened an account with my correct name, but using an address with which I was never associated, never used, and never visited. 

I want Citibank to locate the account with BILLING ADDRESS and send me all details about it so that I may determine the extent of the fraud.
Hi. I received a phone call from CMRE FINANCIAL SERVICES that I got a collection debt from XXXX. I was completely unaware of this until today when I check my credit score. Two years ago on XXXX XXXX, 2015, I went to XXXX. I can assure you that everything I described here is true. I went there because I thought my contact was still in my eyes so I got my eyes checked. It only lasted 10 mins so the receptionist gave us a discount. I do n't have any evidence to prove this sadly. The total amount is XXXX. I absolutely paid everything since I was an XXXX ( you can verify this by my SSN and tax info ) and I would be back to college after a month. I am an XXXX so my college insurance does not cover in this case. They only sent mail afterwards to my temporary address in XXXX XXXX on XXXX XXXX, 2015, XXXX XXXX, 2015, and other dates. I did n't know about this entirely for two years until today. So I immediately called them to ask for explanations but they were unable to give any reasonable explanation why they charge me. They said it 's unlikely to spend only XXXX dollars at XXXX. I have no choice but to pay the debt immediately. I really really did n't earn this debt and paid the full amount when left the urgent care. I feel very frustrated and helpless as an XXXX who tried to get medical help for the first time outside the college. It 's better if they can at least text me or email me instead of just keep sending mail to my summer apartment. Why they can not try notify me earlier instead of after two years? Why they send the first mail almost three months later instead of immediately after my visit? They ( XXXX ) can not answer. Please help me ... ... please
I wanted to make a purchase that was more than my credit limit. I contacted the company and was told that I should pay the amount of the purchase to them in advance, then they would approve the over-limit purchase. I sent an EFT that was credited to my account. When I tried to make the purchase, the charge was declined and FIA Card Services told me there was no way to approve a purchase over my credit limit. I asked them to send the money back. So far they have not done so. They are keeping my money ( {$50000.00} ) under false pretenses.
XXXX XXXX, XXXX, XXXX PM, I took a check in the amount of {$1500.00} to Chase Bank in XXXX XXXX, XXXX to be deposit into an existing CD. The Bank teller who filled out the deposit slip entered the check for {$15.00} instead of {$1500.00}. Immediately the following day when the Bank opened I went back to Chase Bank to report the Teller 's mistake. I was told that the Teller 's error would be corrected. 
Two months later, XXXX XXXX, XXXX Chase Bank withdrew {$1500.00} XXXX {$1500.00} amount of check for deposit minus {$15.00} enter by Teller ) from my CD. 

At this point Chase Bank tried to coverup their error, and told me the check was submitted several times and there was n't funds. What they failed to tell me was that check went through for the wrong amount of {$15.00} entered by the Chase Teller, therefore could not go through again for the correct amount of {$1500.00}. I only found out the truth by going to the bank where the check originated from. 

To make matters worse, they continued with their coverup by telling me that the original check would be sent back to me and I could take it to the Bank where the check originated. For over a month I waited, continued to go into the Bank, and got a complete run around. Getting the check back was never going to solve the problem and never came. 

The writer of the check is a XXXX man with limited XXXX. He has not responded to my request to correct the Bank 's error. I do n't feel I should have to hire an attorney to recover the money Chase Bank deducted from my account. This was certainly not my fault. The XXXX not only entered the amount wrong on a hand written deposit slip, but also keyed it in for the wrong amount. Perhaps Chase Bank thinks that they can keep putting me off and because of XXXX XXXX XXXX XXXX XXXX I will just let it go. 

Chase Bank needs to own up to the mistake of their Teller and put back the {$1500.00} they deducted from my account.
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Reported two 120 Day lates, Both in XX/XX/XXXX ( XX/XX/XXXX ). There is a {$0.00} balance on this account. I have made numerous attempts disputing this negative reporting, both to XXXX XXXX and Equifax Credit Bureau but as of to date there has been no resolution of corrective action granted. 

My issue is not soley with XXXX XXXX it is with Equifax. It is my belief that due to my continuous disputes of the XXXX account, regarding the matter of inaccurate/false reporting, Equifax purposely and falsely marked two 120 Days late on my credit file, XX/XX/XXXX. 

Today, XX/XX/XXXX I made contact with SN Servicing, I spoke to 3 representatives to inquire of the exact year and date of their last reporting to Equifax regarding the negative account. I was told that the account was closed and last reported to Equifax in XX/XX/XXXX and they have not reported any other negative information regarding this account since. If XXXX closed the account and last reported XX/XX/XXXX how could it be possible to have two negative reportings of 120 Days in XX/XX/XXXX as it is reported on my Equifax Credit file. 

Please, I need to understand if and why this is a fair, accurate, and truthful reporting according to Equifax. PLEASE HELP! My husband and I have been declined a mortgage due to this false reporting.
On    XXXX   XXXX   2017..   XXXX  from the homeownership center and I, called Ocwen to check the status of the modification that we 've been working with them sinc e   XX/XX/XXXX .   At thi s point we were told that the modification was under review, and that no other paper work was required. Then upon my arrival home from my meeting with  XXXX , I received a notice from Ocwen that my documents were expired and needed to be resubmitted because they are more than 90 days old.. Ok.. We submitted these documents to Ocwen less than a month ago.. And this is not the first time that my packets have expired that was submitted them.. This has cause incredible stress on me and my family.. When this started we were only two months behind and now we are more than 6 months behind. I was never offfered an option for a repayment. I was told that I would have to apply for a mortgage modification. This has been an utter nightmare dealing with  Ocwen  ...
Not credit reports exist with XXXX  & Equifax. I have 2 secured credit cards, an XXXX store card and a credit building loan. At this time I do have XXXX reporting.
Hello,. 

I first received a letter from FCN dated XX/XX/XXXX. I immediately disputed this debt ( letter attached- XXXX sent vis USPS certified mail ) as this debt is not mine NOR did I agree to this debt NOR do they have any proof I owe this debt. 

I then received a second letter from FCN dated XX/XX/XXXX including some sort of statement of account ( attached- XXXX ). This statement did NOT verify the debt in any way. It did NOT provide any information I requested : -Documentation showing you have verified that I am responsible for this debt -Proof that I agreed to the debt you assume I owe I then sent another letter to FCN dated XX/XX/XXXX (  attached- XXXX sent via USPS certified mail ) stating that they had failed to verify the debt, thus requesting they stop attempting to collect on the debt I do not owe. 

Yesterday, XX/XX/XXXX I received a voicemail message ( not a recording ) asking me to return their call. In my letter dated XX/XX/XXXX ( attached- XXXX ), I requested them NOT to call me. Violation again. 

Today, XX/XX/XXXX, I received another letter from them ( attached- XXXX ) stating that MY documentation was insufficient and that I owe the debt. This is very ironic as I am using my LEGAL RIGHTS and THEY have FAILED to provide any verification as requested by me and required by law in my requests : -Documentation showing you have verified that I am responsible for this debt -Proof that I agreed to the debt you assume I owe I am tired of spending time, stress and money on a matter that is not mine. I am writing to you in hopes to get this removed immediately, without any further legal action. 

Thank you, XXXX XXXX
The last correspondence I sent the company on XXXX XXXX 2015 pertained to a demand for validation. Midland has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
My XXXX year old son has a sub-account under my Bluebird account. Because he is old enough, he tried several times to create his own master account under the Terms of American Express. 

XXXX2017- applied on line for American Express Bluebird pre-paid card and got message " unable to create account. '' XXXX2017- contacted Amex Bluebird by phone. Spoke with customer service who put us in touch with tech support. Tech support suggested that we try different phone and email address. We still were unable to create the account. 

X/XX/2017- later on- contacted Amex BB customer service. They were unable to give more tech support, but I held for quite a while for a supervisor. Supervisor, said that although I meet the qualifications, Amex would not issue a card. She gave no explanation, even though I asked.
Ocwen provided false and or conflicting information regarding the status of an alleged loan to your office on XXXX XXXX, 2015 in response to a complaint submitted to your office. Ocwen claimed that the loan had been placed on " HOLD '' but in my complaint to your office there was evidence that Ocwen communicated to me that the foreclosure had not been initiated, perhaps because they rescinded the foreclosure because of all the defects in the original foreclosure. These XXXX statuses are completely different and Ocwen failed to respond to the delinquent letter that it mailed out. On XXXX XXXX, 2015 I received yet another delinquency notice from Ocwen making a second claim that the first step in the foreclosure process, the first legal filing, has not yet been completed, but yet Ocwen is claiming to your office that the foreclosure is on hold. Also unaddressed in my last complaint was Ocwen 's counsel 's threats to have me and my wife imprisoned for filing an FDCPA suit in Federal Court.
account : XXXX BofA CC they charged me a XXXX dollar bounce check fee. they are unwilling to tell where this " check '' is coming from. they have hung up on me 3 time. i asked them to reverse the charge and to tell me where the check is coming from so i can investigate. I don't understand why the refuse both my very basic requests. it is especially funny because they say there actually was no check. kind'a a head scratcher ... they need to return the the XXXX, make sure no other fees are going to be charged my account and stop accepting " checks '' from whom ever is sending BofA these thing. still don't know who that is. everything i've learned so far suggests this could be a accruing situation. time might be of the essence. please help, XXXX XXXX XXXX
I submitted a dispute to have XXXX XXXX XXXX to remove late remarks on my credit file through Experian and Experian took longer than 30 days to reply. By law, your company has to remove any late remarks after the time has expired. Your company has four days to update my XXXX XXXX XXXX Auto Loan as paid as agreed and to remove late payment remarks. If not, legal actions will be taken against  your company for violating my rights.
I received a letter stating I owed them for a cable bill I send XXXX return receipt letter requesting validation as required by the Fair Debt Collection Practices Act they never responded sending a letter providing proof that the debt is legitimate that they provide proof that the debt is legitimate, that you are the person who legally owes the debt and that the collector has the right to collect the debt. they then placed a collection notice on my credit report with-out verification of the dept and after I let them know it was n't mine.
Equifax allowed the private and personal information of 143 million Americans, myself included, to be compromised and used for illegal purposes. Equifax has not offered acceptable response or solutions to this immense national problem that they have caused. The FTC has not help protect the affected consumers. The FTC has not mandated action by Equifax ; has not punished Equifax, and has not required Equifax to pay restitution to the 143 million Americans. The FTC is broken and does not protect Americans from this sort of corruption. 

If the FTC will not protect us from unscrupulous corrupt companies, like Equifax, who will?
I have had several on going issues with bank of America. My previous co plaint against them is still unresolved. They are consistent with having horrible customer service. When coming into the only branch in  XXXX    XXXX   there is always a hit or miss with a notary. The branch has only  XXXX  notary for the whole   XXXX   XXXX    XXXX  and if she 's not available you 're stuck going to another bank or notary service. I booked an appointment as I was instructed to do and it was cancelled because once again they had no notary. Furthermore I added an authorized user to my account and was told when I signed up for it they would be a user not a co owner now I am having to close the account just to get this person off my account. Bank of America  executive off ice someone by the name of  XXXX  has still not spoken to me directly about the previous complaint it 's a phone tag of him calling every few days and not setting a specific time to resolve the matter as I 've left voice messages requesting. Horrible bank that still wo n't honor disputed transactions.
Experian has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the XXXXXXXX XXXX account showing on my report. XXXXXXXX XXXX  has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to Experian. Also, XXXX ( an organization that mirrors Experian in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. Experian & XXXX have both maintained to ignore their violation of federal law and fail in deleting this account which violates the FCRA.
I received a notice in the mail that I missed the XXXX 2016 payment on my mortgage from Chase Bank. When I went to the Chase online Bill Pay center to pay my mortgage, the system populated with the following choices : monthly amount due, late fee, additional principal, additional escrow/shortage. Nowhere was there a choice to pay the missed payment, nor an indication that I actually owed two monthly payments. So, I paid the " monthly amount due '' and the stated late fee in XXXX, 2016. Then, I received another notice, stating that I missed my XXXX, 2016 monthly payment and assessing another late fee. 

I believe the Chase Online Bill Pay system is deceptive and resulted in me incurring additional late fees that I should n't have incurred. I now have put through several monthly payments, along with XXXX {$120.00} late fees. That is wrong, particularly for a customer who consistently pays her mortgage on time and simply missed XXXX bill in the mail at the end of the year.
filed a bankruptcy XXXX XXXX XXXX ReAffirmed 2 mortgages EQuifax XXXX XXXX and XXXX Missing Payment history- previous payment history from my credit profile from both XXXX XXXX and XXXX XXXX have been removed. 
No current reporting for payments- XXXX and XXXX XXXX  refuse to report all payments made from date of reaffirmation which is XXXX XXXX to present All Previous on time payment histories from items included in bankruptcy have been removed XXXX and XXXX XXXX balances not accurate
XXXX XXXX XXXX reports XXXX XXXX debt of {$5300.00} was opened XX/XX/XXXX and put reported on XXXX, which is closed acct # XXXX They also reported the same debt amount on XXXX , which is open acct # XXXX, but says it was opened on XX/XX/XXXX. I never opened an account with XXXX XXXX in XXXX. I opened an account with XXXX XXXX XXXX in XXXX, and a Case XXXX was filed XX/XX/XXXX. Garnishments were paid to the creditor XXXX directly via Municipal Civil Court. The amount was for {$6900.00}. I know that I was contacted at work many times with aggressive and mean representatives from XXXX, after I asked them not to call me again and to send correspondence in writing, and told them that I never got a car from XXXX XXXX in XXXX. I also know that the company is very fraudulent. I have disputed to get this false debt taken off my report many times, but was not successful. I have screen prints showing the court information. I have also contacted XXXX XXXX at XXXX, and she has been the only person that I have reached out to in regards to my accurate XXXX debt, and there are no other records of me ever purchasing another vehicle in XXXX from them.
I had an outstanding debt with XXXX XXXX. I settled this debt with a different collection agency a long time ago. The information was verified and is reported correctly on my credit report. However I continue to get calls from EOS CCA trying to collect {$110.00} for a XXXX XXXX debt that has already been resolved. This agency is harassing, rude, and does not have valid information and continues to try and get my personal payment information for a debt that has been resolved.