WillisBack/dataset-financial-user-claim huggingface dataset:
IN REGARDS TO ; PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. I HAVE SENT SEVERAL CERTIFIED LETTERS INFORMING THE BUREAUS AND THE DEBT COLLECTOR THAT I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT HAS BEEN FRAUDULENTLY OPENED.THE ACCOUNT WAS OPENED FRAUDULENTLY AND FORGERY WAS COMMITTED IN MY MAIDEN NAME AND I'M A VICTIM OF IDENTITY THEFT AS I REPEAT MYSELF AGAIN. THIS A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec. 809 ( b ) THAT YOUR CLAIM IS  DISPUTED AND VALIDATION IS REQUESTED. THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVE NAMED TITLE AND SECTION. I RESPECTFULLY REQUEST THAT YOUR OFFICES PROVIDE ME WITH COMPETENT EVIDENCE THAT I HAVE ANY LEGAL OBLIGATION TO PAY YOU. 
PLEASE PROVIDE ME WITH THE FOLLOWING : XXXXWHAT THE MONEY YOU SAY I OWE IS FOR -PROVIDE THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT -SHOW ME THAT YOU ARE ARE LICENSED TO COLLECT IN MY STATE -EXPLAIN AND SHOW ME HOW YOU CALCULATED WHAT YOU SAY I OWE -PROVIDE ME WITH COPIES OF ANY PAPERS THAT SHOW THAT I AGREED TO PAY WHAT YOU SAY I OWE -PROVIDE A VERIFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE -IDENTIFY THE ORIGINAL CREDITOR -PROVIDE ME WITH YOUR LICENSE NUMBERS AND REGISTERED AGENT -PROVIDE ME WITH THE ORIGINAL DOCUMENTS BEARING MY SIGNATURE -PROVIDE ME WITH THE ORIGINIAL PHOTO DOCUMENT OR LICENSE I ALLEGEDLY USED TO OPEN THE ACCOUNT. 
AT THIS TIME, I WOULD ALSO LIKE TO INFORM YOU THAT IF YOUR OFFICES HAVE REPORTED INVALIDATED INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAU 'S ( XXXX, XXXX OR XXXX XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT * VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT * DEFAMATION OF CHARACTER IF YOUR OFFICES ARE ABLE TO PROVIDE THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 30 DAYS TO INVESTIGATE THIS INFORMATION AND DURING SUCH TIME ALL COLLECTION ACTIVITY MUST CEASE AND DESIST. 
IF YOUR OFFICES FAIL TO RESPOND TO THIS VALIDATION REQUESTING WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATELY. 
ALSO DURING THIS VALIDATION PERIOD, IF ANY ACTION THAT COULD BE CONSIDERED DETRIMENTAL TO ANY OF MY CREDIT REPORTS IS TAKEN, I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT. THIS INCLUDES LISTING OF ANY INFORMATION TO A CREDIT REPORTING REPOSITORY THAT COULD BE INACCURATE OR INVALIDATED ; OR VERIFYING AN ACCOUNT AS ACCURATE WHEN IN FACT THERE IS NO PROVIDED PROOF THAT IT IS. 
I ADVISE THAT YOU ASSURE THAT YOUR RECORDS ARE IN ORDER BEFORE I AM FORCED TO TAKE LEGAL ACTION. THIS IS AN ATTEMPT TO CORRECT YOUR RECORDS ; ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE.
Please forward this communication to XXXX XXXX XXXX, Office of the Chairman at Citizens Bank ( who will be able to reference the previous communication ). 

Dear Dee : I'm in receipt of your response to the previous complaint through the CFPB ( case number XXXX ). 

While I appreciate your running down every event during the life of the loan, it was unnecessary and had little to do with my complaint. I apologize for any confusion. 

The complaint specifically involves Citizens employing negative amortization to calculate interest on two payments we obviously know we deferred via an offer to customers in good standing. 

Legal precedent clearly indicates that negative amortization violates Truth in Lending, is considered to be a predatory bank practice, and is illegal in many states. When and if negative amortization is employed, it requires full and detailed disclosure in all cases, which was clearly absent in the " PaymentBreak '' offer. 

If US interest had been employed, our interest on the payments we deferred, would have been approximately half the amount Citizens charged us. ( I can when convenient for you, provide two separate loan calculations for illustration purposes. ) What your " PaymentBreak '' offer should have stated was not " interest will still accrue '', but rather " interest on interest '', or compound interest would accrue ''. It furthermore should have advised that these deferred payments be paid back immediately to avoid financial mayhem, instead of stating that Citizens would just tack the deferred payments onto the end of the loan term. 

This is an update to my original complaint.
On XX/XX/XXXX I received a letter from Wells Fargo Home Mortgage that our account was in default for XXXX months. My wife XXXX XXXX handles all of our bills and payments. She was in CA at the time so I called her to ask about the missing payments. She was shocked and said it 's impossible because our mortgage is set up on Automatic Bill Pay through our Wells Fargo Bank Account. Our mortgage is also with Wells Fargo. She called WFM and it was determined that XX/XX/XXXX and XX/XX/XXXX 's payments were mailed to XXXX ( the originator of the loan XX/XX/XXXX ). Through research with a WF online banking representative, it was determined that somehow the system sent the check to XXXX rather than Wells Fargo like it had been for the past several years. A claim was filed and the money was returned for payment to our mortgage account. In addition, WFOB reversed all fees due to the system error. WFHM was also satisfied. However, my credit report shows that I was more than XXXX days late on the payment for this time. My wife and I have written several disputes to WF Credit Bureau disputes department and we 've included documentation. They have replied XXXX times with there will be no changes, they feel they are reporting accurately. I 'm shocked by this, considering we have our mortgage and bank with Wells Fargo. It is very clear that payment was made both months ( they reported one month as fine ) and an error with Online Bank caused the payment to be sent to the wrong company. It is clear that I am not going to be able to get this matter resolved directly with Wells Fargo. Our bank statement clearly shows payment made to mortgage as well as fees reversed for error.
In XX/XX/XXXX, Ocwen Loan Servicing provided me with a Lien Release and a XXXX for the Discharge of Debt on my 2nd mortgage. 
Prior to XX/XX/XXXX, I paid the full reinstatement amounts required by Ocwen, however, the payments were not recorded accurately or timely on my loan which resulted in additional reoccurring late charges on my account. 
Some of my dates/amounts of wire transfers to Ocwen are XX/XX/XXXX for {$1300.00} and XX/XX/XXXX for {$460.00} and {$430.00}. The dates and notices of short sale and foreclosure were also not in compliance with regulations. 
Ocwen attempted to rectify the errors by providing me with a Lien Release due to their litany of violations. However, they are still reporting my loan as a Charge-off, with excessive late payments. This Charge-off or Short Sale is preventing me from closing on a mortgage now. The entire Ocwen account needs to be removed from my credit report due to their own errors.
Wells Fargo is consistently charging me overdraft fees for transactions that i have sufficient funds to cover in my checking account. Got charged $ XXXX for on XX/XX/18 for transactions that i had funds to cover in my account on XX/XX/2018
XXXX XXXX XXXX Re : Notice of Intent to Sue / Health Insurance Portability & Accountability Act Violation Validation Letter sent to : Mar Joe Enterprise To Whom It May Concern : Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above XXXX XXXX XXXX XXXX XXXX. I have received a response that clearly violates my rights according to HIPAA. { Creditor/Collection Agency } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ).

Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { original creditor/collection agency } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations.

You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry.

I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
I took out a mortgage loan back in  XXXX  with the promises of low monthly payment and low interest rates. Since the beginning the payments and the interest rates were not as promise. In  XXXX   Wells Fargo started a foreclosure action against me. I tried to do loan   modifications with the bank but have been denied several times. I am in the middle of processing a loan modification and the bank has scheduled a sale date for  XXXX   XXXX  ; the bank should not foreclose on my home if I am in the middle of a loan modification process. I was a victim of the housing bubble crisis.
I sent an email to the office that is trying to collect from me. After they received my email they proceeded to call my phone 7 times in a row while I am work. I can not answer the phone and could lose my job over that. I did leave a message with the lady that answered the phone at your office. Since I can not take calls at work and your office is closed when I get off I asked her if I could email you. These people are relentless and have told me that they call the law office today and the trustee and was told that your office has no idea who I am. I made an offer to pay this account and they did n't take my offer the man ( XXXX @ XXXX XXXX will answer that number ) advised me that he would see me in court and slammed the phone in my ear. Please advise me on what I can do at this point, I am not refusing to pay they are just really rude and abusive when I talk to them. Executive Acquisition Group, LLC.XXXX XXXX XXXX, NY XXXX Phone No. : XXXXXXXXXXXXXXXX XXXX XXXX. : XXXX
Last year, I found out that XXXX was reporting a collection on my credit report for an account that was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I called them and their fraud department and they advised me that they did not show any accounts under my name that were in collections or delinquent as I currently have XXXX XXXX and residential services. I disputed this with XXXX XXXX and it is still showing on my credit report and does not provide any information as to an account, amount owed, etc. It simply states paid and closed via consumer 's request. This is all inaccurate. I have been living at my current address since XX/XX/XXXX and have had no issues with XXXX besides this. XXXX XXXX Current address is XXXX XXXX XXXX, XXXX MD XXXX
This is my second dispute in regards to Safco. In regards to the dispute that i submitted on XX/XX/2018 and Safcos response.The notice to default was Mailed on XX/XX/2018 stating that I had until XX/XX/2018 to bring my account current but, the account was closed on XX/XX/2018. How can I respond to a notice to default if the account was closed 4 days before the default date? I was informed on the account status when i first called in and explained to the company that the vehicle was in the shop. I was then informed to hold off on the payment because your company would be getting back with me and that your company would place me on do not call due to late payments until your company could figure out whats going on. In mid XXXX i followed back up with the company to see what was going on after i received a phone call from Safco in which the company called and hung up. I called back and the rep got smart with me. I then asked for the supervisor and the supervisor got smart. I then asked to be contacted by writing only because i felt like this was becoming a stressful situation. HOW CAN SAFCO SEND A DEFAULT TO CURE LETTER ON XX/XX/2018 STATING THAT I HAVE UNTIL XX/XX/2018 TO BRING THE ACCOUNT CURRENT BUT CLOSE THE ACCOUNT ON XX/XX/2018? in your company words " From conversations with customer, there was no indication that any further payments would be made to SAFCO. The decision was made to write off the account as a loss, as the account was no longer secured by the collateral and there was no hope for payment from the customer. '' Did i specifically not ask to be contacted by writing? This is something that your company assumed.
I have outstanding loans through Navient that i didnt even sign up for. Navient offered me a lower payment rate but then i recieved a letter stating that they reveresed the decision but didnt say why
In XX/XX/XXXX, I turned in my leased vehicle per the lease agreement which expired onXX/XX/XXXX. In XX/XX/XXXX I was sent a letter requesting payment of {$290.00}, which was the balance of a disposition fee owed by me, ( see attached ) per the lease agreement. I paid the fee resulting in a XXXX balance on my lease agreement. ( see attached check ). Further investigation on my part with regard to the Motor Vehicle Lease Agreement revealed I was owed the {$570.00} for a refundable security deposit ( see attached lease agreement ).

In XX/XX/XXXX, I called Chase 's End of Term Lease Department about getting the refund. I sent a letter ( see attached ) in XX/XX/XXXX about the refund. On XX/XX/XXXXand XX/XX/XXXX, I called Chase 's End of Term Lease Department about the refund. To date, I have not received reimbursement for the {$570.00} I paid at the time of entering into the lease agreement with Chase.
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX and XXXX XXXX XXXX
My spouse and I contacted Quicken Loans for refinancing our current mortgage. We were told that we could only qualify for an FHA loan. They were very pushy about collecting the {$500.00} appraisal fee and warned us that their offer would expire if we didn't pay soon enough. We contacted another lender and were approved for a conventional loan. When we contacted Quicken and told them we were approved with another lender and did not want an FHA loan, they initially said they would review our information and see what could be done. They contacted us again and told us that " no one '' would do a conventional loan because of the small amount ( $ 50K ). The woman LAUGHED at us and said " Well if they ( the other lender ) think they can push this though as a conventional loan, more power to them, but don't be surprised when everything falls apart at the closing. '' We closed with the other lender without any problems. This is predatory lending and pressure tactics, people need to know what Quicken is doing.
I have tried reaching out to XXXX, XXXX and TRANSUNION with regard to multiple inquiries being reported in my credit reports without my permission or consent. I have been unable to get this resolved after multiple attempts to dispute. I have made phone calls, as well as sent certified letters. I have even had to do my own freeze on my accounts until this is fixed! This is putting a significant amount of undue stress on me. Credit bureaus are SUPPOSED to properly verify the accuracy of items listed on my credit report! Please help with this.
Around XXXX 2012, when I attempted to use my eBay account to sell items, I was informed that I had overdue seller 's fee. At that time, I disputed the fees because in reviewing my account online. I could see that it was another person who sold the items. Ebay agreed with me at that time and cleared my account. The dispute and resolution happened by phone and email in my eBay account. My eBay account does not have the old emails and when I spoke with Ebay today they have no record of my dispute and resolution in 2012. Also, my account no longer shows that items fraudulently sold through my account and the seller 's information which helped prove the first time around that I was NOT the seller. So here I am three years later disputing the same fees again and can not provide the proof because eBay has deleted the information from my account. 

Their dispute and resolution process should NOT be only by phone or inside the eBay account. Their should be a process that allows me to write to actual address and/or use my regular email account, so that I the consumer can have a permanent record of my dispute and their resolution.
I am filing a formal complaint about missing funds from my TD Bank Account. TD Bank did not post {$2000.00} from a federal refund to my checking account. However, they did post {$40.00} from a NYS tax refund. Instead of posting a refund, my account is missing funds. This is a clear violation of the Fair Billing Credit Act as well as other ethical business practices. For unknown, as well as unclear reasons, the XXXX Branch of TD Bank, located at XXXX XXXX XXXX, XXXX, NY XXXX, tampered with my account yet again in direct violation of corporate policy and US laws. It gave out my information out to third parties electronically in direct violation of company policies. Additionally, I am concerned with tampering of my checking account and savings account. TD bank also does not provide regular statements for Savings accounts. It only provides periodic documentation. It also does not take proper steps to investigate proper complaints from customers.
World Acceptance Corp ( XXXX XXXX ) has been paid in full and still remains on the credit report.
At the beginning of   XXXX   I started the process to have my payment reduced through  XXXX . Every other month I would check in on the process to see how things were going. Each time I would be informed that they needed my Tax Docs or need a new application. I would comply and submit the documents, but the next month I would receive the same feedback. After a year they were finally able to derive my new payment. At that time I spoke with a supervisor and asked her to explore if the interest accrued during the extended period could be forgiven since this was purely the fault of FedLoan Servicing. After a couple of weeks she said that it was determined that  FedLoan  was at fault and that I would not be charged the interest accrued during that time. Today I learned that I was in fact charged the entirety of the interest despite their admission that they delayed the entire process.
On XX/XX/XXXX I made an online payment in which I had done for almost the whole previous 11 months of that year despite the fact that they charge XXXX to pay online. My payment was subtracted from my bank account and then credited back 6 days later. I was not aware only to get a bill for XXXX stating I was 30 days late. I called XXXX and spoke with 3 different customer service reps no one could explain what happened why I was credited back the money. Since I didnt want to pay late fee and the fee to pay online I mailed a check for the amount to cover XXXX, XXXX and XX/XX/XXXX. XXXX cashed my check on XX/XX/XXXX and left me a negative 30 day late on my credit. They refuse to budge even though I was not made appear that the payment was processed incorrectly on their end and not notified it was returned. 
They are a scam. Charging fees, late fees and not processing payments
Constant and repetitive calls throughout the day, sometimes until XXXX, beginning on the first of every month. I am not late. Never been assessed a late fee and pay my bill every month on the day I receive my XXXX payment. I have explained my XXXX situation to OCWEN several times and can not pay on the first day of the month but I do pay every month and am not behind. OCWEN is harassing me.
After filing complaints with all 3 credit bureaus even the original company this has yet to be resolved. Ad Astra is very aware that they received full payment of both accounts and continue to harass me with phone calls along with threats. They along with XXXX XXXX have received the bank statement months ago and refuse to make knowledge of such. Ad Astra provided me a tracking number via usps of XXXX that was to include all legal documents pertaining to this. However, that tracking number shows a In transit update dated XXXX XXXX, 2017 from XXXX XXXX. I do not have any proof of this being legally collected on another company 's behalf. They also are in violation of the FTC by not providing correct and accurate information to the credit agencies.
I have contacted the the card companies as well as the credit agencies. Ive been dealing with Identity theft for over t he last two y ears. There are  XXXX  credit cards that were opened that I did not authorize and they are using my correct social security number but incorrect date of birth. I would like for these credit cards to be removed from credit report.       1.  XXXX     XXXX   XXXX   ( OPENED DATE  XXXX / XXXX /   2016  )  2  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ) (  OPENED DATE  XXXX / XXXX /   2016  )
This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
I am a Navient customer. Since XXXX of 2018, I have filed 3 income driven repayment plans. During the last application of IDR I attached a letter explaining I can not afford {$870.00} a month as I am a XXXX in Georgia, XXXX XXXX with a son who has XXXX. Currently, my monthly repayment plan is still at {$870.00} a month. Navient is not being cooperative with my needs. I am in the mean time going to apply to have my loans consolidated through the federal loan servicing. I need my voice to be heard this is very frustrating and not necessary. Thank you for your time!