WillisBack/dataset-financial-user-claim huggingface dataset:
I sent two certified letters to CA for validation and they sent me a copy of a bill. And that according to the Fair Debt Collection Practices Act, I have the right to ask them to send proof of that debt. The Fair Debt Collection Practices Act, a federal law regulating debt collectors, allows consumers to request the debt collector to send proof of then debt through a process called debt validation. 
A copy of a bill IS NOT proof of debt. I also stated they were violating my rights under the law put in place to protect consumers and I demand proof of this debt or delete it from my credit reports immediately.
My Citi Dividend credit card APR was raised from 9.99 % to 12.99 % after Citi had given me written notice to opt out of this increase. The increase was due to financial problems in the country. The notice stated since I accepted the increase by not opting out my APR would go to 12.99 % for only future balances. However it also stated that previous balances before opt out would continue at 9.99 % but Citi charged me 12.99 % APR for my whole entire balance, including the previous balance which was supposed to stay at 9.99 % as stated on notice. Basically over the years I paid 3 points more for past balances even though it should have stayed at 9.99 %. How do I go about addressing this discrepancy? Thank you very much for your time. XXXX email : XXXX
Called my mother saying they are a deputy, I am under investigation, as well as disclosing this to a co-worker of mine. My co -worker informed me someone named " XXXX XXXX XXXX called and said he must speak to me because I am under investigation. No legal, unprofessional and threatening. Calling my employer daily which needs to stop and I told them this also.
XXXX XXXX XXXX is listed on my credit report and the company did not disclose proper information regarding amount owed and bill break down to explain debt. I never received anything in the mail informing me of debt prior to it being posted to my credit file. I do not acknowledge or accept the debt as listed and denounce any ownership of the debt. I believe this is a result of identity theft because my identity was stolen and inaccurate information exists on my credit report. Company failed to provide sufficient, factual information to prove this debt belongs to me.
I 'm trying to buy a house so the mortgage company ran a credit report. There is a medical bill that is over XXXX thousands dollars. I called the collection company that is holding this account. Spoke with a representative and she also spoke with the manager. In 2011 this company sent multiple letters requesting this be removed from my credit report. It has been 4 years since this company ( XXXX XXXX XXXX XXXX ) sent this request in writting. XXXX, XXXX, and Experian are still reporting this negative account on my credit report.
I had a delinquent account through XXXX XXXX XXXX XXXX. A collector called me over the XXXX yr collection time. Since I am working on my credit, we agreed on half the cost, {$1700.00} plus. I have record of payment complete. This was in XXXX or XXXX. On XXXX XXXX, I get a letter from First National Collection Bureau stating I owe {$3900.00}. However, this is an account number for a XXXX XXXX XXXX XXXX XXXX with my XXXX total. Furthermore, they used a name that I stopped using after my divorce from my first wife, nor have I ever owned a XXXX XXXX. I believe these practices are fraudulent. The letter states I have XXXX days to respond or I automatically assume responsibility. I have paid my debt, and I have good credit.
In reguesting my 3 free credit reports because my credit information has been affected by the XXXX data breach, TransUnion had denied my reguest stating I have obtained a free report within the last 12 months. I have not made a reguest for my 3 credit reports since XXXX/XXXX/XXXX. My reguest was made and denied on XXXX/XXXX/XXXX from TransUnion. My concern is that someone else had made a reguest and received my credit report from TransUnion. I want to freeze my credit reporting from this agency but fear it may be too late.
Last Saturday I applied an " Apartment Rental '' application form to move into a nicer Apartment Complex. I easily met the income requirements. Yet when the apartment " Leasing Consultant '' ran my " Equifax '' credit report it came back that I had a home " Foreclosure '' of some type either in XX/XX/XXXX or in XX/XX/XXXX. This is not mine. I am a victim of " Identity Theft. '' I then called " Equifax '' 2 days later and was told that they were n't going to " Delete it '' and that they also was n't going to mail me my FREE copy of my " Equifax '' credit report which by Federal law, I 'm entitled to.
On XXXX I closed my Bank of America merchant account for my XXXX, XXXX XXXX, at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX to open XXXX with a better % at XXXX, and XXXX XXXX their merchant processor in XXXX. I openned a commerical account with XXXX and that was my account. At somepoint, BOA allowed another merchant account to be established at my location, with fake paperwork assuming another enterprise, XXXX XXXX and allowed my old merchant account to be active without my knowledge. I closed my XXXX account on XXXX XXXX, 2015 to re-open another BOA account, ending in XXXX, XXXX, # XXXX at my home with their small business banker, XXXX XXXX. They allowed another merchant account to be opened and did not tell me my old checking account and my old merchant account were active, My XXXX manager was shedding all paperwork that arrived at the bar. My bookkeeper was also aware of this account still being open. I paid XXXX XXXX, my bookkeeping firm over {$60000.00} over the years to manage my day-to-day transactional accounting. This aggregeous act has cost me my business of 14 years, more than {$300000.00} in missed earnings from the sale of XXXX products, my business credit ( XXXX XXXX XXXX was XXXX prior and is now a XXXX, negative based on this fraudulent company that shares the same name, openned in XXXX XXXX area with an XXXX of # XXXX, and my business name : XXXX XXXX XXXX XXXX ( no comma ) I have trusted tax preparation professionals, paid them to hide, deceive and wreck a very good businesss that has paid XXXX 's of XXXX 's in taxes over the years on falsified returns. I need advise on what to do next. I am hiring at my expense an auditing firm to help re-calculate all of my past six years of business. I had XXXX active customers and XXXX falsified numbers and a comma ruined everything.
I initiated a dispute over 30 days ago with Experian in regards to an item on my credit report. I sent the letter XX/XX/XXXX and have not received any notice or results document. The creditor is trashing my report with inaccurate rpeorting. Please help, I'm trying to buy a house and have run out of options
This company continues to call my personal cell phone and work at all hours of the day and night after being told multiple times to stop. Sometimes i will get XXXX XXXX calls a day between XXXX and XXXX.
Over the period of 3 months starting around XXXX, Ally Financial began contacting me trying to reach another person about a debt and leaving messages on my voice mail. I dismissed the calls as they didn't pertain to me. However they called began to increase in frequency ( 5 or 6 times within an hour ) to a point where I had to begin blocking them. They changed tactics after this by using private or blocked numbers to bypass my blocks and using international call centers to try and reach me.
Received phone calls in regards to an old ACE Cash payday loan from 2013. XXXX XXXX, XXXX XXXX and XXXX XXXX all claiming to be attorneys and XXXX a process server. He threatened to serve me with officers regarding the legal suit being filled and fraudulent banking laws in Texas. Threatened to repossess my car and if it's financed advising that I am unable to drive until the debt is paid in the original amount of {$640.00} or if it goes to court, would be over XXXX. They catch you when you are not thinking and make you afraid and I like a fool gave my card information before filling checking them out. There is no listing for them and they sent document to be signed authorizing them to go into my account and draft funds. I have closed the account and never signed the document. I received calls from XXXX, XXXX & XXXX They gave a case number of XXXX
Upon checking my recent credit scores, I noticed the following company has been reporting misleading information to the credit bureaus. I am distressed to see that the following company has continued to report misleading information on my credit report. I have disputed this account several times however this account to my surprise is returning to me verified and to my best knowledge this information could not possible be correct. I also took matters a step further, and decided to contact NCS by sending them a letter requesting they either properly validate the debt they are currently reporting, or removed this account from my credit report. I have never received a response from the company directly and they are still reporting the account which is a violation of the fair credit report act - due to the fact that the company refused to comply with validation from this account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the creditor is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) or this account removed as soon as possible from all reporting agencies whom may be furnishing it. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
XXXX XXXX @ XXXX from XXXX Ohio contacted me today at XXXX XXXX PST from XXXX with a recorded message that " my refusal to sign for a summons could result in negative action against me in court. '' When I was connected to a live person I was informed that they were contacting me regarding a prior loan/debt from XXXX XXXX dating back to XX/XX/2007and a vehicle purchased for my ex-wife. Their representative informed me that this was a " courier '' message related to " pending litigation. '' At that point I told them this debt was disputed and several years outside the Nevada statute of limitations for filing an action. At this point they tried to tell me they were merely a " mediation firm '' and not a debt collector, despite their attempts to have me pay on an unenforceable debt. This is a clear violation of the FDCPA. Though they would not give me their address, they called from the above number and provided a fax number of XXXX. I am requesting my statutory damages for their violation.
This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by  XXXX  &  XXXX . This is preventing me from communicating with other financial institutions.I 've advised   XXXX   XXXX   XXXX   XXXX  this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the   XXXX   XXXX   XXXX   XXXX  account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap.   The investigation was opened  XXXX  with   XXXX   XXXX   XXXX   XXXX  and still has yet to be assigned t o an investigator. My account was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told 14-21 days now I 'm being told 60 days and was hung up on today after requesting to speak with a manager. Whoev er noted my account from the check fraud department dated today  XXXX  was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.
Citi Best Buy has failed to readjust the minimum amount since the previous months minimum amounts were due to fraud charges taken my balance higher than it should of been. They have failed to readjust the minimum amount and give a credit for the amounts overpaid the last few months. Additionally my online access is blocked partially. I have repeatedly talked them about these matters with no resolution as of yet. Still waiting on the new card as well.
I have a a unverified account from XXXX XXXX RESUGGENT CAPITAL SERVICES # XXXX. I had previously disputed this account. I have never done business with XXXX XXXX RESUGGENT CAPITAL SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX I dispute the validity of the debt purport I owe. I request that PINANACLE LLC/ RESUGGENT CAPITAL SERVICES 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 want to request that PINANACLE LLC/ RESUGGENT CAPITAL SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
On a weekly basis BB & T banking practices put me in an overdraft.. The bank takes from available which makes it pending.. And then will also charge an overdraft fee for a pending transactions when a pending deposit is credited / pending. The bank manager is annoyed with me and wants to close my account
Starting in   XX/XX/XXXX , I h ad issues with  my Paypal Business     a ccount where fraud transactions passed through the account via my business checking account and personal account that was linked. Also, a line of credit was opened where many transactions came through from a company  calle  XXXX   in  XXXX . I contacted that company several times, and mailed  Paypal the   emails or chat sessions.  Paypal c losed my business account.       XX/XX/XXXX , I st arted the dispute on t he Paypal line of credit transactions after many more attempts to resolve directly with the vendor. Paypal acknowledged receipt of the attached letter ( support was included by mail but not attached for it is cumbersome ) ; and mailed priority with tracking. I have yet to receive a status up date, and as  of  XX/XX/XXXX  m ailed a letter asking for a status. I have received nothing.     Prior to all of this, I had the same issues wit h my Paypal personal account with the same personal checking account linked. That account was closed as well. A line of credit account was opened as fraud, but disputed by the credit bureau, and Paypal removed ( see letter attached ).      The line of credit that I am disputing now is not report to the bureau, and I want to keep it that way. However, I have been making the payments of {$70.00} per month plus to avoid the account going into collections. I am  XXXX  and I also have a full time job, and studying for my  XXXX . I have to keep my credit in tact.     At this point, I am just wanting to know if they are even researching the dispute. As of   XX/XX/XXXX  ,  Paypal is not FDI C insured and therefore, I could not go through them for a complaint.
Flagstar Bank has violated the terms of the settlement with CFPB. I have not been turned over to another servicer. I have an FHA mortgage with Flagstar, and tried to get a DEED IN LIEU and FHA moving expenses approved, but Flagstar ignored my request repeatedly. We winded up moving out of the home and into an apartment for one year. Because of the refusal to advise and/or work with us, I filed a Chapter XXXX Bankruptcy. Home was discharged XXXX of XXXX. Flagstar Bank kept sending the normal letters of " HOW TO SAVE YOUR HOME FROM FORECLOSURE '' - with no mention of the discharge or anything. Finally - I have been given 90 days to pay the loan proceeds that are in default of {$480000.00}. Meanwhile the house is underwater and already discharged. 
I believe Flagstar Bank is going to recoup their " losses '' from FHA - since it 's an FHA loan. Flagstar Bank has also been the XXXX paying the taxes and insurance on the home as well. The entire 987 days I have been in default - Flagstar Bank has been paying the taxes and insurance. But completely IGNORED the Deed in Lieu - telling me over and over again ( falsely ) that my submissions were incomplete. Making me do a complete Financial overview process instead of accepting my Deed in Lieu offer. 
They have not started foreclosure as of yet - I only have a letter that I am at risk of losing home and to pay XXXX by XXXX XXXX XXXX to clear the default. I believe because I have an FHA mortgage, they know that any default they will be reimbursed by FHA. I also have a XXXX mortgage and Deed, with " XXXX '' listed as the investor.
My prepaid Visa card ( issued by Blackhawk Network ) has a misleading " Funds Do Not Expire '' statement on the front of the pre-paid credit card. 

There is a " Valid Thru '' date that denotes when the card, in fact, deactivates. Once a card deactivates, the funds are not " gone '', but instead require egregious reactivation fees ( {$15.00} fee for a {$25.00} gift card ). 

The problem is that this is misleading consumers when Blackhawk Network says " Funds do not expire ''. It conflicting, confusing, and dangerous for consumers who depend on these prepaid cards.
My name is XXXX XXXX and my social security number is XXXX. On XX/XX/XXXX I called Navient to get more information on my loan payment history. I downloaded the XXXX spreadsheet of ALL transactions in the entire life of the loan since when I took the loan out in XXXX. I called Navient and was transferred to 8 different agents and departments. No one could explain to me WHY I have been charged different interest and fee amounts since the loan start date in XXXX. No one could tell me the total interest amount I have accrued since the start of my loan, no one could tell me the total fees I have accrued. The most important thing is no one would tell me WHY these charges happened. All reocrds I have access too do not disclose this information. They simply say the amount I was charged, but not the reason. I calculated all payments I have made since XXXX and I have paid MORE than the original amount of the loan. and I still have 90 % of the principal remaining. The interest I have accrused and paid off DOES NOT add up with the interest rate I agreed to pay. The agent named XXXX ID # XXXX yelled at me over the phone telling me if I want this information then Navient will put in a request for research and more information. He said Navient could only provide records of my loan history but not the reasons WHY I have these charges. He continued to yell at me saying " everything was in the loan agreement and terms when I signed the agreement in XX/XX/XXXX''. He yelled at me saying I need to go back and read the fine print. He yelled at me saying my account is overdue and he does n't need to answer any questions until I pay the 2 payments I 've missed. I continued to say that I am the one who has been calling Navient, I am the one calling to pay off my loans, I am the one who is TRYING to resolve this. I just need more information to understand these charges. To date I have paid exceedingly over the original amount borrowed. It has been 7 years since I took out these loans, the loan interest rates range from 6 % -11 %, how could the interest EXCEED the original amount I borrowed within 7 years. He yelled at me saying the interest rate fluctuates depending on the economy and this is all in the fine print of the agreement I signed in XXXX. Navient is facing MANY class action suites for this EXACT issue. Charging borrowers with NO explanation knowing the process to obtain records is time consuming and very difficult. I have to be on the phone for over one hour, I was yelled at violently, and in the end I will never know if my request for information was sent. He said Navient must " research '' and they 'll mail me information sometime in the next several weeks. I believe I am being scammed and I want every single fee. every single interest charged to be justified. Navient has been aggressive, inhumane, and unjust ever since I took out these loans in XXXX. I am motivated to settle these loans ONLY AFTER navient explains why every single fee was charged and every single interest charge was accrued since the amount does not make since to the interest rate I agreed to in XXXX.
PHH has effectively kept me from obtaining a loan modification, for which my mortgage loan qualifies. I had always made my mortgage payments on time every month, but when I suffered an unforeseeable job loss, I saw that it was going to be impossible to stay current with my payments. I was given a forbearance agreement which I accepted and started making the payments. Unfortunately, I also had to make payments to the bankruptcy Trustee and it was impossible to keep up with both payments. I had to stop making payments and tried to work with PHH Mortgage to get a loan modification, but they would not work with me since I was in bankruptcy. My delinquency has now grown and I am afraid that I will not be able to get into some sort of workout option. PHH Mortgage has definitely received all of the money I should have paid them as I was put into an interest only loan when I bought my home. I definitely was taken advantage of and would have never taken that loan if I realized what I had signed. PHH Mortgage has never provided me with a single point of contact and they are refusing to work with me. I have never had a loan modification on my loan and I make enough money for a reasonable payment, so I must assume that PHH just wants to take my home away to capture the equity that I have in the home. I am extremely upset and frustrated with PHH as they are sending my loan through the foreclosure process and I need help to keep my home for my wife and children. My financial situation has turned around and I am out of my financial distress. I am hoping that you can look into how they are treating me and help me keep my home.
The following information either XXXX  or Ally are reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Ally account XXXX was PAID, CLOSED, and OK. 

2. Suddenly, on XX/XX/XXXX either XXXX or Ally is showing the same Ally account XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. This absolutely false. I leased the vehicle from XX/XX/XXXX to XX/XX/XXXX. 

4. My Chapter XXXX Bankruptcy was filed on XX/XX/XXXX, so how can this account even mention Chapter XXXX Bankruptcy? 
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