WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX 2017 two certified letters were sent to Portfolio Recovery Associates, which are listed belowadvising you that these two debts were in dispute and I was asking that you please validate the debt. In the letter, I outlined very specifically, what was required to validate this debt. With the primary emphases of a copy of the legal binding contract with my signature on it that says I owe the amounts you are requesting. Unfortunately, you have provided me with no such validation that proves that I owe these two debts or the amounts. At this time, I must ask that Portfolio Recovery Associates provide me with a copy of the original legal contract barring my signature that shows that shows I owe these debts. Portfolio Recovery Associates US Certified Mail XXXX XXXX 2017 ( XXXX XXXX XXXX XXXX XXXX ) Portfolio Recovery Associates US Certified Mail XXXX XXXX 2017 ( XXXX XXXX XXXX XXXX XXXX ) In addition, I have just pulled my latest credit report and have noticed that even though I have disputed these debts. You have moved forward with continued collection activity by placing disputed invalidated derogatory information on all of my three-credit reports. With the direct intent to harm my credit and prevent me from enjoying all the benefits of good credit.
on XXXX/XXXX/2016, I mailed a debt validation letter to Online Collections in regards to a alleged debt with XXXX XXXX XXXX Account # XXXX that I DO NOT OWE! Online Collections failed to verify the debt, refused to answer the stipulated question in my debt validation letter and in return, mailed me a XXXX-page single line statement that list the name of the doctor and a charge of {$77.00}, THIS IS NOT A VALIDATION OF THE ALLEGED DEBT!
Private student loans vs. Federal student loans. This country needs to come up with the option to make private student loans converted over into Federal student loans! Us people who were foolish enough to go to college on private loan money are left with wayyyy less options than people with Federal student loans. It 's not fair. I was a naive XXXX year old kid without a clue to what I was doing and this country 's educational system took advantage of me like they are doing to thousands of others. Something needs to be done and it needs to be done now, it 's a short life on this earth, why make it so hard?
JPMorgan Chase, double charges interest on paid items, double billing. 
As explained to XXXX XXXX, attorney for Chase, XXXX, who did not have the courtesy to return a call and investigate, but obnoxiously had other employees calls and harass us, while refusing to credit disputed amounts. 
Chase actively engages in interest charges on debt paid on time ( doublecycle billing ) although the account is paid a substantianly amount, still interest is imposed on the balance like no payment took place, and in addition payment made at a branch its not credited immediately and Chase charges daily interest as the payment was done the following day. 
Chase employees are abusive, they treaten to report derogative information to credit bureau, and even made calls of coming to our property to make good on the credit card debt, although this is a insecure loan. 

According the APR and calculations Chase has cheated closed to {$300.00} so far. 

Additionaly Chase nowhere posts online or the terms or agreements as require by law, and they tend to call past calling hours.
In 2010 I was giving an forgiveness loan from XXXX Bank then the loan file went to XXXX XXXX, from there EMCE then from there Premiere Credit XXXX XXXX XXXX, and then Premiere Credit went into my account and took out XXXX dollars, I send them proof and had not heard from them at all but still XXXX dollars is still being taken, they told me I can talk to a man call XXXX XXXX, I have call him, XXXX him XXXX and still no call back, I want to sued them cause they had no right going into my account, if you want me to fax or send the proof to you please call
Still today, XX/XX/2018, my personal checking account is in the " negative '' ( due to bank mismanagement ) retaliation/reprisal ( due to me filing previous CFPB complaint 's ) and the bank 's ( and bank representatives ) ongoing malicious DISCRIMINATION practices. Pending today, is {$28.00} for XXXX XXXX XXXX policies ( via ACH withdrawal ). Today, XX/XX/2018 @ XXXX I have deposited {$29.00} for the said, XXXX XXXX XXXX policies. I am continuing to experience repeated adverse actions practiced towards me and my personal checking account.ALL supportive documentation will be faxed to the CFPB. ALL documentation is strictly for the CFPB ( NOT, to be used, published or compromised in any way by the said bank or their subsidiaries. THE END!
Stanislaus Credit Control is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   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.  Stanislaus Credit Control is in V iolation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and th e HIPPA La w!
I went to open an account with Chase Bank in the XXXX XXXX XXXX shopping center in XXXX XXXX, CA. I had opened a business account and disclosed I had been a victim of severe identity theft by a career criminal. I stated not only accounts were opened in my name but also, checks had been compromised and other information with other accounts. I assumed I had been red flagged by Chase and asked to provide the information proving the derogatory issue was not my fault. Not only did they refuse to disclose they had put my personal information on restriction, they had also refused to review anything regarding changing their relationship with me. I made an identity theft report with them and everything. This is not a friendly bank to do business with at all. Customer service refused to disclose any policy whatsoever. They told me to check the credit bureaus, XXXX and told me they could not say whether any of those influenced their decision. Chase went out of the way to keep me from resolving the matter and I was furious.
My student loan reportings negatively affect me because it looks as if I've defaulted on several accounts, when there was only ONE, and that ONE is paid in full. I've satisfied the debt, I'm experiencing the following : - Loan appears multiple times, although only one loan was secured - Some of the student loans report as " Open '' although the balance is " {$0.00} '' and should be " Closed '' - Many payments are incorrectly reporting as current lates The following companies are involved : - XXXX XXXX XXXX ( Listed 4 times ) - XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX  ( Listed one time ) I'd like to buy a home and secure business lines of credit to grow my business, and I can not as a result of these reportings.
There are two student loan accounts called XXXX XXXX XXXX XXXX  that were opened back in XX/XX/2013. It shows I was late once on each one and never been late on those payments. I sent a certified letter twice to Transunion XXXX and XXXX.   They sent a letter saying the creditor disagrees but never sent proof. I sent a certified letter to the address on my credit report for XXXX XXXX XXXX XXXX  and I found out the location is permanently closed. Finding this out I sent a letter and copy of paper showing the place is closed and if the credit beuaru validated this, who did they contact to verify this one late payment was accurate? This information has been reporting false on my credit for some time and my complaint is that these credit beuaru are not truly validating and supporting sufficient evidence the claim to be true.
We shopped long and hard for the perfect lender. The lender, Quicken Loans, said our " profile '' was very competitive and we were in great shape. Then they rejected quite suddenly before sending our " competitive profile '' to underwriting. The reason they gave was " Collateral : Does not meet seasoning requirements ''. Does n't collateral refer to the house? They never even sent out an appraiser, and if they had, they would have seen that the house appraised for thousands more than the asking price. We have excellent credit, even after every XXXX, XXXX and XXXX lender has hard-pulled out credit records as of this morning we are at XXXX for me and XXXX for XXXX. Further, after rejecting us and while I was scrambling to find another lender Quicken Loans told my realtor that our loan had been declined after all this time since we received our letter of approval. I believe it was completely out of line for Quicken to inform anyone of our loan being declined. We are a XXXX couple and sensitive to the possibility that we might have been singled out as being unworthy of credit due to our XXXX rather than our proven track record of spending within our means. Meanwhile, Quicken Loans suddenly decided that the debts of our non-profit corporation are suddenly our personal debts. Our non-profit has fully appropriate small business debt and some vendor credit which it pays timely. The non-profit it its own entity having its own tax ID number, own bank account and books that are strictly and carefully separate from ours and it files its own taxes. If the debts of the corporation are suddenly our debts then what about the income of the non-profit, is that suddenly ours as well? If not, then why are the debts of the non-profit our debts? Why did Quicken Loans repeatedly tell us not to speak to other lenders because they would take care of us and then they dumped us at the door to the underwriting team 's office? Why did n't the underwriting team have a chance to review our documents? Can you tell we are frustrated? Here we are in a contract on an affordable home and suddenly we have no mortgage with no plausible explanation of why we were rejected.
Hello The business card that I was approved for was to have XXXX bonus points credited to me after spending a minimum amount within 3 months. I have received only XXXX points. I have tried to call customer service numerous times and no matter the day or time, the same message is played that the wait time is greater than 10 minutes. I have been on hold longer than 20 minutes with no one picking up.
I have been banking with Chase for almost ten years. I always use their checking account as my primary account. I never pay the bill late and keep a great credit score. However, about 4 years ago, all my credit card accounts with Chase got cancelled without any reason. In the past four year, my credit application with Chase always got rejected. I really want to fix the relationship with credit card department with Chase.
An unauthorized credit inquiry from a company that I do not recognize and did not authorize, XXXX. Credit inquiry took place on XXXX XXXX 2016. 
Although this is more than you probably wanted to know, this inquiry was discovered in the course of applying for a home equity loan from XXXX XXXX XXXX. I am following up to make sure there is n't a fraud issue. XXXX allows mail inquiries only according to Experian - does not have a listed phone number.
I purchased an appliance from bestbuy in XXXX that was defected and in XXXX after weeks of being tossed around finally they agreed to replace it. the same unit had the same problem after handful of uses .Apparently, this model is defected. However, Bestbuy does not want to deal with it. XXXX washer should not breakdown after 4 washes. I refuse to repair XXXX unit that is brand new. That is unacceptable. However, Bestbuy is brushing me off I called Citibank to dispute the charge for the unit since I got this credit card from bestbuy when I was purchasing the unit. On the phone 3 days ago they informed me that since the charge is few months old I have to put it in writing. SO I did. 
They called me 3 days later from President 's office  that they can not help me and I have to go back to bestbuy. This is absolutely unacceptable since they have to protect the consumer. The woman named XXXX XXXX who kept telling me that she is from President 's  office and there is no one else to go to and she will not talk to me about this again just told me that " it is what it is ''. 
There have been couple of other occassions in past few yrs that a purchase was 3-4 months old and any other credit card company such as XXXX XXXX XXXX or XXXX XXXX reviewed the case and determined that the defected unit should have been addressed by the store and stepped in to protect the consumer. However, since Bestbuy and Citibank work together to sell products they refuse to step in. I asked her for their management and review of policies and the woman said she will send me in 2 weeks and there is no one above her for me to talk to. I have seen numerous reviews by other consumers complaining of the same issue with this credit card company. Unbelievable! 

This is clearly a defected unit and I am left with {$1000.00} charge and no help.
My husband and I have a joint credit card issued by Chase. Over the past several years the card numbers have been repeatedly stolen by thieves who have access to Chase 's data. The numbers are then used to make fake credit cards to purchase things all over the world. We were told this by Chase customer service representatives. Over at most XXXX years this has occurred on eight separate occasions, most recently XX/XX/XXXX. Each time Chase blocks our account ( because of " suspicious activity '' ) and we find out only when a credit card charge is declined which is quite embarrassing. This then requires us to call Chase, go through a lengthy phone interview and identity verification, receive a new card, update all online bank payment information, etc. 
Finally, after the XXXX time, I wrote Chase requesting compensation for this because it is clearly a result of Chase 's lax security - no other bank 's credit cards ever are blocked in my experience. A letter dated XXXX XXXX was sent to Chase regarding this request ( attachment ) but other than several phone calls promising a substantive response and an email from a XXXX XXXX, no substantive response has been. I have made several calls to XXXX XXXX and sent him an email saying that no response has been received. As of today, XXXX XXXX, nothing further is apparently forthcoming.
My Siblings and Parents Companies have ' XXXX XXXX Dollars with XXXX XXXX XXXX which, In turn Pays an Experien Representative that ' works in 'poor ' decision making.. As, I Could not. understand the Continued Fees I pay to the Credit Bureau, Bank , Creditor and Insurance Company in a Continuing Identity Theft, Fraud, and Scamming. Potentially, the Personal Theft in a Made Cause could be. Hundreds of Thousands of Dollars amongst ' all the Credit Bureaus. XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
I 've been disputing a specific collection account with  XXXX   XXXX   XXXX  for over a year with Equifax. I sent them documentation proving the debt was fictitious and I was mistreated and left to suffer with a collection account on my credit report for now over a year. The collection company got involved and told Equifax to remove it back in  XXXX     2016, the y are still reporting it. I 've attached that documentation. This violates countless laws and rights and is no longer going to be tolerated.     I disputed an account with  XXXX   XXXX  back i n  XX/XX/XXXX / XXXX  2016. As  a result of that dispute, the account was deleted from my file. It is now reporting again without written notice being given to me. Equifax is a repeat offender when it comes to this and will claim that the creditor re-inserted it. When I reach out to the original creditor, they state that they have not re-reported it to Equifax. IT is obvious that Equifax is the issue since the original creditor 's automated systems can not pick and choose which credit bureau to re-report accounts that are closed to. Equifax is the ONLY credit bureau it will report to again. If it was the original creditor, it would report to ALL   XXXX    credit bureaus.     My credit report is not accessible by myself using their credit monitoring products or many others, nor is it accessible to creditors and employers.     I submitted a set of disputes several weeks ago, and have yet to receive anything from Equifax stating that they are investigating those items.     When I call the department they 've placed my file with for assistance, I am mistreated and discriminated against. I recently called to get access to my credit file for my employer and while they claimed the issue was resolved, it is not.
I have received a copy of my credit report and realized I have an inquiry from Credit Plus and I did n't apply for anything dealing with their company, nor do I have any of their Products for their company. I could not reply to them directly because I do not know how to get in touch with them.
I was sued by discover Bank and the account goes back to XX/XX/XXXX. I disputed the balance and went to trial. during the course of the trial and in discovery I asked the Plaintiff for a detailed listing of the charges they were suing for and a breakdown of interest charged. They only provided statements for the last XXXX years. They are claiming that the bulk of the charges {$8000.00} of the approximate {$10000.00} occurred prior to XX/XX/XXXX. However, they had absolutely no record of those charges and no interest breakdown. The court nevertheless found against me in spite of the lack of documentation. I believe that if they were suing on that account that they were required to provide a complete statement particularly itemizing the majority of their claimed debt. I have filed an appeal at this time. I believe that their failure to maintain those records is a violation of Federal law. Please advise
I settled credit card debt owned by Midland Funding with XXXX XXXX XXXX. Judgement states make XXXX payments to XXXX XXXX XXXX monthly. Starting XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all my payments made through bill pay were returned to my bank account ( see attached ). Midland wouldnt acknowledge my acct, told me to call my lawyer. My lawyer had no idea of who I was to make payments to. XXXX XXXX XXXX .... no answer. XXXX XXXX XXXX had no idea why payments were being returned. I received notice that I was part of the class action lawsuit and would receive either monetary settlement or remaining debt cleared. I never heard anything else from anyone until XX/XX/XXXX. Almost a year later my wages are being garnished by XXXX XXXX for ... .. NONPAYMENT. XXXX XXXX are not listed anywhere on my court judgement document saying Im responsible to send payments to them. XXXX XXXX XXXX or Midland never notified me of who I was to send payments to. No certified mail, never served. NOTHING. When I called them they initially said that I was being garnished because I failed to make payments ( they ones that were sent back to me ) ... so they waited a year and garnished. When I asked why no one contacted me they said that they " Tried '' to contact my lawyer but my lawyer never returned their call. They admitted this was the only attempt they made. And this is on an account that was named in a class action lawsuit for illegal collection. Oh .... and although I settled the debt from XXXX to XXXX and have already paid off a large majority of that .... Im being garnished .... {$1000.00} per paycheck ... .. XXXX a month .... for the FULL XXXX. How can this happen? And Im not the only one this is happening to. I will lose my house .... everything. I was making payments and doing what I was supposed to do .... they are taking advantage of people like me. I tried diligently to find out who payments needed to be made to and to try to find out why they were returned in the first place to no avail. And now they can just walk in .... send a notice to my employer on a Friday ... garnish XXXX the next Friday ( NO TIME to fight this at all ). My lawyer has made numerous calls and they wont return her calls. I called them and this person XXXX XXXX ( At XXXX XXXX ) told me to send him my proof that I made payments and he would call me. I sent my documentation immediately and he never called me back. Ive left messages and they wont call me. How easy for someone to just stop taking payments .... return payments and just say you didnt pay .... and collect the whole XXXX instead of the XXXX i owe. This seems illegal to me. These people need to be stopped. Immediately. Im a single mother .... paying for a home, food, clothes etc with NO SUPPORT outside my income. paying for my car and my XXXX kids ... who are XXXX. It takes every dime I have to do this alone .... XXXX a month will cause me to lose my home .... I may make a good salary, but I also have other debt. And Im sure they would like their money too.
CitiBank has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
I received a call from Macy 's on XXXX XXXX, 2015 that my Macy 's Amex had fraudulent activity in another state that went through on both the Amex side of the card and the Macy 's store side of the card. I ca n't begin to tell you how many times I have called and called and called and tried to get answers from people who tell me different stories each and every single time I have called. Many times they do n't even show a record of any files under my name ( even though I have case numbers ). There have been many times where they insisted I never filed any documents or scanned in my claim forms ... even though the person who I had previously spoken to confirmed receipt pf everything while I was on the phone with them ). At this point it has been almost 5 months and the charges on the Macy 's store side are STILL showing up on my bill, and whenever I call I have to start the story over again from the start because they ca n't find me in the system ... that sure does n't stop them from sending me bills every month with the charges still on the bill! The Amex side of the card seems to be ok now, but my main issue and problems have been on the Macy 's Store side. They are the ones who I am referring to in my examples above. My case number for the Macy 's Store side of the card is # XXXX. 

I would really like to get this resolved since I did not make these charges, and I am contacting you all to help because I am at my whits end and I do n't know what else to do. It would have been physically impossible for me to charge these in a department store in XXXX while I was in XXXX ( where I live ) at the time of the charges with the physical card in my wallet. 

In case you would like the case # for the Amex side too it is : XXXX
I received a letter from my mortgage holder, Nationstar Mortgage, dated XXXX XXXX, 2015. The letter stated that Nationstar had received my application for a deed-in-lieu of foreclosure and requested supporting documentation. The letter also stated that " The evaluation period for a deed-in-lieu of foreclosure has now begun '', but did not state when the evaluation period began or when the period expired. I contacted Nationstar via the mynationstar.com messaging system and by phone message to inquire the beginning and end dates of the evaluation period, as well as to ask for clarification of some of the requested documentation. Nationstar has not responded to any of my inquiries about this matter.