WillisBack/dataset-financial-user-claim huggingface dataset:
I am disputing this collection account with CFPB concerning Retail merchant Association placing a collection account on my XXXX credit report. I recently sent Retail Merchant Association a letter asking for validation of the alleged debt amounting to {$10.00}. Retail Merchant Association did not provide any documents or evidence to validate the account, but instead gave me a print out of the bill. This company kept this account on my XXXX   credit report despite providing proper validation of this debt, but instead of verifying ( identifying ) the debt. Again, Retail Merchant Association did not provide any documents or evidence to validate the account. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with PHYSICAL PROOF, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
I had a Barclays credit card for which I filed XXXX disputes under the Fair Credit Billing Act. Those disputes were ( date of charge, company, and amount ) : XXXX/XXXX/14 XXXX XXXX {$100.00} XXXX/XXXX/14 XXXX XXXX XXXX {$810.00} XXXX/XXXX/14 XXXX {$6500.00} I sent these disputes to Barclays by certified mail to the proper address and within the time limit required by the FCBA. Barclays failed to investigate these disputes and failed to reverse the charges. Because I refused to pay for these illegitimate charges, my account was charged off and reported to the credit agencies.
In speaking wit h two a ccount representatives,  one by th e name of  XXXX , employee ID :  XXXX , and another  XXXX , employee ID :  XXXX , at  Educational Credit Management Corporation about first-time student loan rehabilitation, both employees lied that the collection fees would be capitalized in the  loan balance and that the fees would be transferred to the new lender once I completed loan rehabilitation. I repeated asked them to confirm this on a recorded call and they insisted this was true, in order to collect commissions on those fees. I had found, however, documentation from the  Student Federal Aid  website stating otherwise.   XXXX   XXXX   XXXX   #  XXXX   Quoted  below :  XXXX   XXXX   XXXX  : What is the current policy for collection fees and rehabilitation?   - Does the balance in a rehabilitation agreement include collection fees and, if so, what is the formula for adding fees to that balance/how are they calculated?   - Does the loan holder take a portion of the rehabilitation payment for collection fees? If so, how much?   - Are fees capitalized in the balance after a successful rehabilitation? If so, how much?      XXXX  : This response applies to Department-held loans ( both  FFEL and Direct Loans ). If the borrower is assigned to a PCA, collection fees are charged against each of the nine qualifying payments ; approximately 20 % of each payment would apply to collection fees, with the rest applying to interest and/or principa l. Once full eligibility for rehabilitation has been achieved, only the principal and interest balance of the loan is transferred to a non-default servicer. From that point forward, no further collection fees are charged unless/until the borrower re-defaults on the loan. In the event of re-default, collection fees are charged according to the same rules as if the loan were a first-time default. Collection fees are not capitalized in the rehabilitation process. Collection fees are only capitalized if a borrower consolidates the defaulted loans.    [   XXXX   XXXX   XXXX   ] Thi s collection agency is teaching their representatives to lie to borrowers to collect larger fee amounts when it clearly states here the federal rules which govern loan rehabilitation fees. You can hea r three recor ded conversations on   XXXX   XXXX   XXXX   around roughly  XXXX  MST confirming these facts.   I would like to enter loan rehabilitation without paying any fees to this deceitful agency, including the standard 20 % through the  nine  monthly loan rehabilitation payments, because their representatives repeatedly lied. Additionally, I think an investigation in to ECMC 's tr aining practices should be conducted because I bet their representatives regularly lie to borrowers to collect larger fees and commissions. Finally, I think th e two r epresentatives ought to be fined and given unpaid leave for a period of 60 days. It is a disgrace that this company and these people try to steal from and deter students trying to do the right thing by entering into loan rehabilitation.
I am being charged extra escrow to pay county taxes, I do not pay county taxes, I am a XXXX veteran. My mortgage was sold by XXXX XXXX XXXX to Nationstar. Never had a problem with XXXX XXXX XXXX and within XXXX month problems with Nationstar.
My name is XXXX XXXX. 
After many, many offers I applied for XXXX corporate revolving credit line on XXXX/XXXX/XXXX. ( ref # XXXX ) After 1 week I received letter they can not grant credit because they are unable to verify personal garantor`s identity. I found the phone number contacted them it is XXXX XXXX.They told me that they use adverse action against me because they can not verify the phone numbers I have provided.I explained them that the phone numbers I have provided been my numbers for over decade.My personal cell phone is XXXX XXXX XXXX contract phone and my home phone is landline XXXX XXXX and its still on my name. 
And I also told them that I have a credit card with XXXX XXXX with same contact information.I offered them every possible way that they can verify my identity, even by going to any bank or store.They keep telling me that the only way to verify is a phone number, and if their system does not identify you then they turn down application. 
They act against equal credit opportunity right.They unfairly just refuse to cooperate and help consumer to verify their identity. 
When the supervisor was trying to help me she forgot to mute my line and I heard how she was talking to her colleague and they were saying that they can see my phone number in a system but they can not use it as verification. 
Eventually they just told me that they can not help me. 
Even thought I work all my life to have perfect credit, I spend lots of money on paying them interest, but today they are refusing to offer product.
Constant calls to cellular phone. 
Constant calls to my employer sharing personal information. 
Old debt which was charged off.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due X/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I was ill advised about repayment options in a time of hardship. I have done everything I could to keep payments on time, but was told my best option was forbearance. I was on a IBR but some how I have been placed in a deferment or a forebearance
Ive received harassing phone calls, multiple times a day, company refuses to identify who they work for and request information about me ( social, birthdate etc. ). They have contacted my employer multiple times a day including my immediate family and children. I have spoken to the woman claiming to be XXXX XXXX and asked that she no longer contact me and to address any issues via mail. She continues to call multiple times a day to myself, employer and relatives. Company will not state thei babe and their number dies not match any company on XXXX. Their phone number is : XXXX XXXX I would like to file a complaint due to the numerous calls of harassment that are threatening my employment. Please help. 

Calls have been 7xs a day for the past 7 days starting on XX/XX/2018 XXXX
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX XXXX with no successful resolutionXXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX,XX/XX/XXXX XX/XX/XXXX / XXXXXX/XX/XXXX
Hello, On XXXX XXXX, I noticed an overdraft fee of {$35.00} on my account ending in XXXX. The male representative ( I did not get his name ) told me that the overdraft fees of {$35.00} were being reversed since the account had overdraft protection. He said they were going to be taken care of, and to be patient. No further action was taken. 
On XXXX XXXX, I noticed another fee on the account, this time it was an extended overdraft fee of {$35.00}. This was due to the fact that the overdraft fee from XXXX XXXX was never reversed, even though the customer service representative stated it was to be done. 
On XXXX XXXX, I called and spoke with a customer service representative who would not reverse the charges, I escalated the call to a supervisor by the name of XXXX. After explaining my situation several times, XXXX repeated how overdraft protection works, and there was nothing she could do. I told XXXX that this was not a matter of how overdraft protection worked, but being accountable for the customer service representative. XXXX apologized, and stated the individual did not represent Bank of America. I inquired, " Are n't representatives of the company representing the company. '' I also asked if the call to be pulled several times. She evaded my questions, ignored me, and said there was nothing she could do. 
I then, asked to speak with someone higher than XXXX if she was n't able to do anything for me. XXXX told me she would get my number and have someone call me back. After a very long silence, a woman by the name of XXXX came on the phone and asked me, " What was going on? '' I explained my situation yet again. I had to say my story over again. XXXX said, there was nothing she could do. I asked if she could just reverse XXXX of the overdraft fees since I was given the wrong information. I had XXXX {$35.00} overdraft fees, totaling {$70.00}. She flat out said no. I asked if she could listen to the call recording, and call me back. I hung up.
The collection first went delinquent XX/XX/2011, it's not past the 7 year reporting period. The collection is with XXXX XXXX and they verbally confirmed the original delinquency date over the phone but Equifax is reporting this incorrectly.
Selene Finance and XXXX got my Discharges bankruptcy for a Mortgage loan from XXXX XXXX XXXX and Selene has me on all XXXX credit reporting agency that I owe the mortgage like XXXX giving me bad credit ... I would like my credit fixed ASAP and Selene to be sued so I can buy the house I was shot down trying to get a mortgage because of these crooks. It was all set to go and the final credit repot was pulled and they just did this to me XX/XX/2016 I am not happy ... we will be homeless because of them we gave notice on out apt . to move into our home that was denied now because of Selene Finance, check out this great link for more info on Selene Finance, XXXX, XXXX XXXX XXXX XXXX
Flagstar Bank has sent XXXX letters demanding that I provide a proof of policy for hazard insurance. I spoke with them after the first letter, and indicated that the insurance had been renewed and they spoke with the insurance company. I was told all is fine. Now, weeks later I receive a demand for insurance or to pay {$6300.00}. The insurance on the property has never lapsed, never been in danger of lapsing, and they have been provided all normal documentation by my insurance company, and they have spoken with them!
I recently viewed my credit report for XXXX. I notice U.S Collection West was being reporting twice for 2 different accounts. I disputed and asked them to send me variable proof that this debt is accurate, instead I received two letters just giving me a break down of the debt, nothing with my signature, nothing stating that they purchased this debt. And on top of that I never received notice after they purchased these items to allow me time to dispute it before impacting my credit. 




FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...

( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...
I had a home mortage loan with Chase, which was paid off under a Chapter XXXX. Chase, and their servicing company XXXX, tried to over charge me by some {$23000.00}, and contested that the loan was actually paid off by the Bankruptcy trustee. They eventually reneged and acknowledged that I had indeed paid off my loan. They eventually gave me a refund for that over-payment ( {$4800.00} was refunded by Chase, and {$620.00} was refunded by SPS ). Keep in mind that this was MY money, being refunded to me by them, for a fraudulent overcharge. 

Last year, XXXX tried to issue me a IRS Form XXXX for the {$690.00}, and after a huge hassle and complaints to the Texas Department of Savings and Mortage Lending and the CFPB, they later issued me an amended XXXX which was zeroed-out. This year Chase has issued me a XXXX for the {$4800.00}. I called them repeatedly. They first tried to send me to XXXX, who told me that they had not issued the XXXX, and that it was Chase 's problem. After repeated calls, Chase reluctantly agreed to send my issue to Executive Priority Review ( File # XXXX ). I called today, and they are refusing to amend their XXXX, in effect, claiming my refunded money was income from them.
To Whom It May Concern, Approximately XX/XX/XXXX I paid off a payday loan and paid off the loan and paid off interest payment totallying XXXX. In XX/XX/XXXX I paid XXXX in interest hoping this would be Remove off my XXXX Report. The account # XXXX what I noticed in this matter XXXX & XXXX payday loan are the same company meaning they merge together into one company. The settlement was excepted and that this item is still lingering on my XXXX  Report. Please can this item can be removed of my XXXX report. 

Thank you
I have written this company twice asking for debt and they have not shown me anything verifying that I owe them. They sent me an invoice with a totally different company name saying that this was proof. The invoice that they provided is not accurate because I have never had an account with   XXXX   XXXX   XXXX   but they are trying to collect for   XXXX   XXXX  . The account is well over 10 years old and they are still trying to collect on it. Cavalry Portfolio just purchased this account from another collection agency.
I have a business account with PNC Bank. After my last over draft fee I requested to have the account to not except my debit card if funds were unavailable. This was last XX/XX/XXXX. 
Since I monitor my account daily. 
I made a deposit and had funds available on XXXX. On the same day ( Saturday ) I made a cash withdraw and several purchases using my debit card. On Monday ( XXXX ) at XXXX I showed money in the account and the pending deposit and the outstanding purchases. On XXXX I checked my account to discover that that deposit had cleared into my account and the waiting purchases had cleared as well. But the bank took advantage of my balance to what customer service rep XXXX XXXX said the waiting purchases had cleared before the deposit. XXXX over draft fee for XXXX dollars each were charged to my account. I was unable to have the fees returned. I make a deposits on Friday and the check is cleared the same day, available the next day ( Saturday ). Make a deposit on a Saturday and funds are n't cleared till after XXXX Monday. If the deposit clears first no problems but if purchases are pending the bank seems to always take advantage of the pending purchases and not the deposits to go after over draft fees. I have screen shots of my account and never once does it show the account in the negative.
Ever since I was forced to file Bankruptcy in XXXX 2008 I have made all payments on time as agreed and paid off all Credit Card Debt Monthly Balances in Full. All other installment loans such as Mortgage, Auto and other installment loans have all been paid on time as agreed or paid off sooner. I have only applied for and obtained credit as needed. After following all of the purposed recommendations my credit score still remains well below XXXX. My score seems to bounce back and forth in the low to hi XXXX 's. I would not have had to Bankrupt in the first place had our Government been in control of our Mortgage & Banking Lending Practices. The Housing Market would not have come to a complete CRASH had our Government put into place Strict Regulations to prevent Appraisers from preparing false Housing values, Our Government continues to fail to Regulate the Banking Industries Lending Practices and it appears that we are heading right back into another Recession. As for my own personal Credit score. It appears that all three of the Credit Reporting Agencies are creating a false and very Low Unrealistic Credit Score. This has become very obvious based on my credit history since Bankruptcy. I believe they are doing this so that Lenders will not offer me the best credit available and instead these Bureaus are creating the scenario that forces me to pay higher interest rates and fees. Most importantly XXXX Credit Report is what XXXX XXXX XXXX is basing my Credit Score from. So I ask you again how can I improve my credit score to over XXXX? It is obvious that I pay all of my payments on time, keep all credit cards balance paid off every month and have done everything suggested by Credit Score as well as XXXX. I am frustrated by the constant interference by the Credit Reporting Agencies and their low intentional Credit Scoring that is designed to force me the Consumer from obtaining the best credit available. A copy of this email has also been sent to the US Treasury and the Consumer Financial Protection Bureau for their review as well. Very Respectfully, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Veteran
We received a letter from  Receivables Performance Management s aying we owed {$97.00} for an outstanding bill from  XXXX   XXXX   XXXX . We called  XXXX   XXXX   XXXX   cell service  and  XXXX   XXXX   XXXX   XXXX   XXXX  and both said we do not owe anything to either division. We are concerned our credit rating will be affected for something  XXXX   XXXX   XXXX  states we do not owe.
Our loan servicer is Bank of America. My husband and I have requested information pertaining to the name, position and address of an officer of the entity that is the owner or assignee of our mortgage loan. They informed us because of the QWR made under 12 U.S.C. 1692g per RESPA they do not and will not supply us with this information. They did give us some of the Loan History Statement, but omitted the first XXXX pages. Bank of America has moved forward with foreclosure and selling our home on XX/XX/XXXX. We need help in getting Bank of America to give us the information we need to save our home.
During my first day ( XXXX XX/XX/XXXX ) of employment at XXXX XXXX, the HR ( XXXX XXXX ) asked me to fill up few formality papers. I have no idea that they ( XXXX XXXX ) asked me something via which they can open a XXXX XXXX Store credit card in my name. 
XXXX XX/XX/XXXX was my last day at XXXX XXXX. I handed over the employee badge to XXXX XXXX ( Human Resources ) around XXXX on XXXX XXXX, XXXX. XXXX XXXX told me that I will be getting the replacement Credit card ( within 30 days ) as the employee card is also the store credit card. 
Till now - after 30 days - I haven't received my replacement credit card. 
It's a fraud to get the credit card opened in somebody's name like that. It seems XXXX XXXX which is almost on the verge of bankruptcy somehow want to show that still new customers are opening the credit cards to show some spike in sales. 
And worst thing - why XXXX XXXX is making poor employees open up the credit cards at the first place? 
This scam and fraud is as big as what world saw few years back ( when XXXX XXXX opened some fake accounts for the customers ). 

I never ever used this credit card ( which i am not aware how come it got opened ). I closed my house in XX/XX/XXXX and due to some of these recent activities ( applying for the credit card in XX/XX/XXXX ) proved to be fatal for me as I end up paying higher interest rates. 
I never ever received any statement for this credit card - not at my postal address or on the email address ( Work or personal ). 

Where does this ghost credit card went? 

I never got any card member agreement or FYI from this credit card which talks about it's terms and conditions. 

There seems to be some big fraud going on it seems. 

I believe Capital One is the credit card issuer for XXXX XXXX. Capital One should have some standards and protocols ( rules ) in terms of which kind of companies or merchants they need to partner to issue the credit card. Every credit card application is a hard inquiry to a candidate. If there is a massive fraud going on like this - it should be investigated. Card issuer as well as the merchant should be investigated in this matter.
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX-Branch XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Branch XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
I started an account wit h TD Bank to  help rebuild my reputation with banks. Unfortunately I never received my statements. According to TD bank my account was closed due to no activity and charges were placed on the account by the bank in the form of fees. According to a letter supplied by  XXXX   XXXX   XXXX   Direct Line   XXXX . When I asked for Verification of Debt, which I have complete right to unde r US Code 15 USC ( Fair Debt Collections Pra ctices Act ) I was told "  XXXX . '' the gentlemen completely refused to of fer Verification of Debt. I  had no idea that this matter was outstanding, and that is demonstrated because I attempted to start a third account, it was frozen because I owed,  XXXX  on  XXXX  account and another account was  XXXX  dollars and that was forgiven. I only contacted this bank because I was going through my  XXXX  account and my   XXXX   to clean up any issues. I believe that the  XXXX  report may even state that this was paid, I will have to find that document and followup either way.
I have been contacting coinbase support now for a long period about 3 to 4 weeks now concerning my account TEMPORARY DISABLED. 

i got a reply from support few days ago to secure my account and email back which i did i secure my account and have been trying to get it activated cause i have about {$1900.00} worth bitcoin for certain trades but i cant get in my account cause its disabled temporary. 

CASE NUMBER - # XXXX