WillisBack/dataset-financial-user-claim huggingface dataset:
I have completed three written requests for legal verification of an account with Capital One that has been charged off more than 8 years ago and all of my written requests for a response have gone ignored. They have not complied with my legal requests and my written attempts were sent in XX/XX/2018, XX/XX/2018 and lastly XX/XX/2018 to no avail.
this is supplemental to complaint # XXXX on XX/XX/18 contract resolve responded to my above referenced complaint with threats of retaliation by texts, emails and phone calls. the emails included name calling directed at me, confidential information was shared with the city code enforcement and including an email they sent to the chamber of commerce with what appeared to be an attemot to initiate a loan request in my name. i have all messages saved including tracking data to verify origin.
Two of the credit bureaus have taken over 30 days to respond to me about investigations that I requested. I sent the request on XXXX XXXX, and have yet to receive a response.
I inadvertently defaulted on a XXXX account with a balance of {$690.00}. This amount in full was paid DIRECTLY to XXXX and there is now a {$0.00} balance with them. This should NOT be with a collection agency or reporting as such with any credit bureaus. Upon disputing this with the bureau, they claim to have verified it, although I was able to verify with XXXX that there is no balance on my account.
I have medical insurance and co-insurance that covers my medical bills. I disputed this outstanding amount with the hospital and it was resolved. Upon checking my credit on XX/XX/XXXX, 2017, the collection was on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Director of Ocwen Department of the Consumer Ombudsman XXXX XXXX Dear Mr. XXXX : On XX/XX/2018, I and a representative of Senator XXXX ( XXXX XXXX ) conferred with you about a serious problem we were having with the modification process of our mortgage. At that time you indicated that you would take care of the situation and would work with me in order to resolve the problems with the modification process of my mortgage. After that conference, I sent a new modification application to you as requested and awaited your response. 

Throughout this period I have been prepared to do whatever is necessary to resolve the situation with the modification -- which really should not be so difficult and is most certainly viable and possible. Unfortunately I received no further communication from you, but have instead just received yet again another letter informing me that you are attempting to sell my home, now on XX/XX/2018. 

We are shocked and very angry that your company would engage in such severely irresponsible behavior. We had an agreement to, in the very least, make an attempt to work out the situation -- which can be worked out. 

The extraordinary act of attempting to sell a familys home without any legitimate legal basis is a life and death situation for some Americans. This profoundly unethical behavior is an abuse of a severely dysfunctional and corrupt legal system in an attempt to do your part in the overall agenda to literally usurp the property of humanity itself. This situation must stop now! 

Please cancel the foreclosure sale scheduled for XX/XX/2018 and communicate with me about this situation. As I have indicated in the past I am certainly willing to work with you to resolve this situation and to avoid what would be a completely inappropriate, illegal, and unconscionable outcome. 

Completely failing to address the situation and allowing such a gross abuse of the rights of others is an absolutely unacceptable way to proceed. 

Sincerely, XXXX XXXX XXXX XXXX CC : Senator XXXX XXXX XXXX XXXX XXXX
" Citi '' would not help us with the recent Hurrican Michael in XXXX XXXX FL. We lost everything and were denied FEMA. ( Wife and I ) We Ask them to help and they said to call!! We LOST everything which means Everything. I am using strangers devices ... They said they could not help, unless I call. I Lost everything and all I ask for them to do is hold that acct until XX/XX/2018. They said to call again. I do not understand. how they think we can just call?? ... when one has lost everything. No internet. no cell service, no cable, no nothing ... I don't want bad credit for something that was out of our control. It's not fair & feels somewhat illegal. I will try to find another person ' device to check email please help PLEASE
On XX/XX/2019 I had ordered a service called XXXX which states that they can erase your XXXX if its locked etc. They never in their refund policy state that you need to take screen shots showing that their downloaded service to your computer doesnt pick up your XXXX / ie recognize it. They were also supposedly on vacation at festivals and couldnt get back to me. Which I thought was weird. They did get back fast when I contacted PayPal. PayPal hasnt done anything about this / its a simple case. The company I mentioned above wants screen shots showing that my device doesnt work with their software but they never once tell you that if you want a refund you need to take screen shots. I dont have the phone I brought it back to XXXX told PayPal and the merchant that I cant provide screen shots of a phone where their service doesnt recognize the phone ( however XXXX XXXX did ) so its a problem with their software, if i dont have the phone anymore and I can prove that I had to send the phone back. So Im being charged by PayPal and the merchant XXXX for something that never worked to begin with nor was I told to take screen shots to get s refund prior to sending back my phone so why am I paying for software that didnt work and 2. If they required screen shots from me they should put that info in their refund policy online which they dont - XXXX scammers.
Hello i sent multiple letters out to XXXX and transunion about these inquires on my report but noone has gotten back to me yet on my transunion account i have 4 inquires and on XXXX i have XXXX thats outrageous i calles and i comtacted the creditor and nobody is trying to help me out with this issue. I contacted them 30 days ago with 20 letters asking them to delete these inquires because they were unauthorized. Theres inquires going back from XX/XX/2016 and i have no idea what they are.
XXXX XXXX XXXX sold my account to XXXX XXXX in XX/XX/XXXX. I paid XXXX XXXX in full as agreed upon. XXXX XXXX deleted their information from my credit report. When I asked XXXX XXXX XXXX to take the information off my credit report, XXXX XXXX XXXX started to report me as " failed to pay ''. I have filed disputes with XXXX XXXX XXXX, which they choose to ignore or say they never received my dispute. The last one I did wasXX/XX/XXXX ( see attached letter ). Every time I ask them to remove the negative they mark me as failed to pay. I have even asked Experian to do a dispute with no results. They have marked me as failed to pay a total of three times on a charged off account where I have repaid the debt to the creditor. I am asking to have these three negatives as well as the entire XXXX XXXX XXXX history removed. I was close to being able to buy a home, but the last time they reported me failed to pay my score dropped 30 points. I feel this is unfair to me since they sold the account 6 years ago. XXXX XXXX XXXX XXXX not be allowed to report on a charged off account. Thank you.
I had a second mortgage with Nationstar that was removed through a chapter XXXX bankruptcy. The lien was removed and the recorded document of the lien removal was sent to me. When I go on to my Nationstar account, for my 1st mortgage I still have with them, unfortunately, I see the information listed below. When I call the collection company, they tell me yes the lien was released. " Do n't worry about what you see on your Nationstar Account, only you can see it, no one else. No one has ever called before about this. '' The customer service man also told me that the collection agency listed below is a subsidiary of Nationstar ( Nationstar IS a collection agency! ). I asked since they are related, would you please communicate to them to remove it. He told me he can not do that. He told me not to worry about it since it is no longer on my credit report - how did he know that? 

YOUR ACCOUNT HAS BEEN CHARGED-OFF AND HAS BEEN PLACED WITH XXXX FOR COLLECTION OF THE OUTSTANDING BALANCE. 
Note : the charge-off of your account does not affect your obligations under the terms of the Note and/or Security Instrument. 

Please contact XXXX to discuss repayment options at XXXX or email XXXXXXXXXXXX or visit XXXX online. 


LOAN NUMBERXXXXMATURITY DATEXXXX/XXXX/2037INTEREST RATE8.313 %
I do n't know why its taking Equifax so long to send me a copy of my new credit report. I requested an investigation on XX/XX/XXXX, and they never responded to me.
On XXXX XXXX, 2016 I sent money via Western Union online to a family member. On XXXX XXXX, 2016, I cancelled the transaction. Initially, the customer service representative indicated that it would take three ( 3 ) to four ( 4 ) business day for the refund to be applied to my debit card. I made a subsequent phone call to Western Union on XXXX XXXX or XXXX to inquire about the nonexistent refund. The customer service representative then informed me that the refund would actually take up to seven ( 7 ) business days to process. Today, XXXX XXXX, 2016 is that seventh ( 7th ) business day and still no refund.
Our loan servicer, Midwest Loan Services, has applied a charge of {$760.00} to our home loan with XXXX XXXX XXXX XXXX XXXX. This fee was charged because our insurance provider dropped our earthquake insurance. We were unaware of the drop in coverage, but quickly re-established the coverage. 

On XX/XX/2018, I called Midwest Loan Service and stated that we restored insurance coverage. Our loan servicer has acknowledged that we restored insurance coverage, but that there was a lapse of coverage for two months. Our loan servicer stated that Midwest Loan Service will charge us {$760.00} for the lapse of two months. We complained that the drop in coverage was not because we did not have a lapse in payment, but because our insurance provider decided not to provide earthquake insurance for our area. I then emailed our bank, XXXX, and asked them to resolve this matter. 

On XX/XX/2018, I made another call to Midwest Loan Service, and asked for a supervisor. I demanded to remove this fee. Our loan servicer explicitly stated, " NO! '' I then demanded to reduce the fee to something commensurate to two months of coverage. The loan servicing supervisor explicitly stated, " NO, we will not do this for you! '' Please help us resolve this matter. Charging {$760.00} for a two-month lapse in hazard insurance coverage that occurred in the past is punitive. This amounts to over {$4600.00} annually. This is crazy!! 

Please help.
On   X/X/2017 ,  Equifax received my certified request dated   XX/XX/2017 .  The request was to investigated several inaccuracies appearing on my credit file. In addition, pursuant to Fair Credit Reporting Act , 15 U.S.C. 1681g, I   requested disclosure of documents recorded and retaine d in their file ( s )  at the time of this request concerning the accounts being reported in my credit report.    Three  additional certified request were made regarding their investigation. It has now been more than FORTY days since that initial request. I have received NO updates, documents or any other information regarding the inaccuracies. To date, the items still remain in my credit file.   I have sent a fifth request via certified mail advising Equifax of their willful violations of the law yet they continue to ignore or be willfully negligent of my request and the law.
I did not open this card and now Im stuck paying on it.. I see on XXXX XXXX my monthly fee is $ XXXX  month. I can not afford that. I will pay $ XXXX   month and hope this is not negative on my credit report. I will also be filing police report on the person who opened this in my name.. I did not open it. My ex did and she used my new wifes name as well.
I REVIEWED MY XXXX CREDIT BUREAU REPORTS AND I NOTICED THAT I HAVE XXXX CAR LOANS FROM THE SAME COMPANY XXXX THAT IS CHARGED OF WITH ABALANCE OF XXXX AND XXXX THAT IS CURRENTLY THAT I 'M CURRENTLY DRIVING ACCT # XXXX. THE CAR DEALER HAS REPORTED A CAR LOAN THAT I 'M NOT DRIVING OR AGREED TO PAY FOR WEST LAKE FINANCIAL ACCT # XXXX
My mother died XX/XX/XXXX. 
Her house still had a mortgage. 

My brother is executor and lives in the house. 
He has been trying to get a mortgage from PNC in his own name, but PNC is stringing him along with lies and false promises. 
He was paying the mortgage, but defaulted in XX/XX/XXXX. 

PNC bank has filed foreclosure suit against him, me, my son, and my nephew for the debt. 

My son, nephew and I have nothing to do with it. 
It is not our mortgage. 
It is not our house. 
It is not our debt. 
It is not our responsibility. 
It should n't be our problem. 

We have relinquished all claim to the house, in writing, XXXX TIMES. 
PNC Bank and XXXX XXXX XXXX, PC, repeatedly state that they are a collection agency and these are attempts to collect debts. 

Despite our request to do so, PNC and XXXX have failed to provide us with a single document indicating our responsibility for this debt. 

They refuse to remove our names from the foreclosure action, even though they have admitted on the telephone that they know we do n't owe the money, they continue to state in writing that they are trying to collect payment. 

The foreclosure suit has been stayed pending my brother 's completion of the court 's " Save Your Home Program ''. 

PNC 's and XXXX 's claims that I, my son, and my nephew have defaulted on this mortgage constitute LIBEL.
I have never had a balance on my credit cards. I paid them off way before the due date, leaving a {$0.00} balance when it's reporting to the bureaus. 
These 3 bureaus are reporting random balances that don't exist. My score has increase dramatically due this mistake. 
They first reported a high balance of {$95.00} And then decreased that balance by {$180.00} I even submitted my statement proven that I had no balance. 
This is so unfair. I finally decided to build my credit and the bureaus are reporting false information ...
On XXXX XXXX or XXXX, I first notified CitiCards by phone about fraudulent charges in the amounts of {$2000.00} and {$1000.00} on my XXXX XXXX XXXX XXXX that posted on XXXX XXXX and XXXX, respectively. I have spoken to at least 20 people in various departments of CitiCards and CitiBank, including CitiPhone, Security Services, and Customer Service. Not once has a single person at XXXX offered me a reference number or case number, let alone a single person or department to contact. 

I was shocked today to be told by a supervisor in CitiCards Security Services named XXXX that the fraud investigator has denied my claim after supposedly determining that the {$3000.00} had been transferred into my bank account. Note that this is completely contrary to what XXXX at CitiPhone ( banking side ) determined on XXXX XXXX when she confirmed my only CitiBank account ( CitiGold checking acct. XXXX ) was fully closed on XXXX/XXXX/XXXX ( after initially being cancelled by me around XXXX of XXXX ). XXXX confirmed there were no successful transfers into my Citibank account, stating attempted transfers were not posted. XXXX made notes in my account clearly stating this, and yet the fraud investigator ignored those notes. I do not have, nor have I ever had, the {$3000.00} or any part of it.
I recently pulled my credit reports in preparation for going through the process of a XXXX XXXX background clearance with a military special operations unit. On XXXX, XXXX, and XXXX I found a collections account dated XX/XX/2018 for a debt I do not own, and have no knowledge of. It is a rather small amount, but since it is not mine, I am unwilling to pay it out of principal. 

I disputed the report with XXXX, XXXX, and XXXX directly. The collections company responded to the disputes back to the Bureaus that it was my debt. I also sent collections company a certified letter directly to their mailing address, signature required, requesting they validate the debt within the time require by law ; the collection agency did not respond to me, or validate the debt. They have recently reported to the credit bureaus, " Account information disputed by consumer, meets FCRA requirements. '' My name is a common one and there are several individuals in this state, and indeed in my very town, that have had problems and are in many court records for debts. The collections company claims I owe a utility bill. However, I was overseas, and did not have any utilities in the state for several years. Further, when I was in the state our utilities were in my spouse 's name, then in a tenants name the entire period we were overseas, then again in my spouse 's name upon our return -- never mine. I have no contracts with the company the collections company claims I owe, and never used my name to open any. I even sent a letter to the utility company in-question asking for them to validate the debt ; they have not responded either. The fact that neither company has attempted to contact me personally, when they should have the very address I live at and supposedly had an account for, is irony at its best. The fact they won't return my requests, is contemptuous and a flagrant disregard for the law. 

Please note I can provide copies of my passport that clearly shows I have been out of the country for many years, and only recently returned to the United States on a part time basis. 

I have no problem paying for a debt I owe ; I do not owe this debt. I am very much opposed to tactics like this, and how companies can get away with it. Further, this has a direct impact on my XXXX XXXX. In many cases, the expeditious thing would be to pay it. Morally, I can not do that. Thus, for that reason, I will pursue this aggressively. 

The agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX
XX/XX/XXXX an unauthorized person went online at Chase and transferred money from my savings account and the made XXXX ATM withdrawals in XXXX. {$400.00}, {$800.00} and {$800.00} to total {$2000.00}. My Debit Card never left my wallet and I live in XXXX. When I noticed the transactions, ( XXXX XX/XX/XXXX ) I went to Chase and restricted the account and requested a new account. Chase gave me a temporary credit of {$2000.00} XX/XX/XXXX but then reversed it XX/XX/XXXX and stated that I called XX/XX/XXXX and said I made the transactions. I went to the branch XX/XX/XXXX at had Chase fax a claimed their Fraud Dept stating that I did not authorize the transactions but they refused my claim. 
After several calls to Chase Fraud Dept they have not returned my funds and continues to ignore my faxed claim or my statement that I did not call and say the withdrawals were valid.
Once again I am requesting your help in dealing with Navient. My original complaint was made in XX/XX/XXXX. ( XXXX ) It was not resolved and I am hoping that my concerns were noted in the CFPB Navient complaint on XX/XX/XXXX. I have paid XXXX/Navient over {$95000.00} ( almost 3x loan amt. ) since XX/XX/XXXX. Since XX/XX/XXXX, I have paid {$30000.00} out of my Retirement account. Although I was told that would pay off my account Navient said that I still owe {$37.00}. When will this end? 

XXXX was unable to locate payment records prior to XX/XX/XXXX when I requested all my records before they merged with Navient. I was charged numerous late fees ( avg. $ 12- {$19.00} ) placed in forebearance when I attended school and laid off, denied XXXX Forgiveness although I XXXX for 11 1/2 years. I was a XXXX for over 14 years working for the XXXX. I could never figure out what they were allocating my payments to : late fees, interest, or principle. I never defaulted. No matter how much I paid, I could never get this eternal loan paid. I know I fell between the cracks, but now that I 'm XXXX years old, I hope you ( CFPB ) can help an old lady out by making things right. 
Respectfully,
There is a delinquent account in the amount of {$280.00}, that is being reported since XX/XX/2015 by XXXX XXXX XXXX XXXX, to ChexSystems. I immediately contacted ChexSystems to dispute the amount being reported once I was made aware of the negative impact on checking profile. I did not remember owing any amount to XXXX XXXX XXXX so I filed the dispute and waited a little over 30 days for my updated results. To my surprise, the account was not removed but I was advised to contact XXXX   XXXX XXXX for further information. Well, I contacted XXXX right away and spoke to many different associates, who all provided me with basically the same information. I was told that my account was archived and no information besides the fact that most of the fees were because numerous overdrafts fees were accessed to my account due to a {$9.00} balance. I was told they could not find any information on why I was being charged {$9.00} dollars but that the overdraft fees were valid and would have to be paid in full to remove this account from my profile. I do not understand how {$9.00} can result in someone being charged {$280.00}. This company can not and has not provided me with any documents stating the breakdown of the charges yet they continue to report the debt is valid. Please assist me with holding this company accountable and stop them from taking advantage of low-income individuals.
Charges to my credit card in excess of the available balance are being approved rather than declined. I contacted the bank to see about changing this and seems I can not. There is no charge for going over the limit, but I do not want my account to be able to go over its limit. If the account is over limit during a statement it will get reported and effect my credit score. The account was not always this way and it seems some recent change I dislike but seem to have no control over.
In 2007 I purchased a rental home in XXXX XXXX. Needless to say this was probably the worst timing in the history of the world. It took until XXXX to finally get it short sold. XXXX is reporting as a Foreclosure and that is not correct.
This company Credit Management LP has accessed my Consumer Credit Report without lawful Authority. I contacted them via facsimile transmission on XX/XX/XXXX. They have not responded. I asked him to send me any documentation that they have that gave my consent for them to pull my credit report and violate my constitutionally-protected right to privacy. 

They have not sent any documentation showing that I have given them consent or that I have any kind of previous relationship business relationship with them. In fact, they have not responded at all. I am invoking the office of the CFPB to take any measures necessary to make them correct the violation before I file suit. If they respond with anything relating to accessing my credit report as being a soft " pull '' that will be unacceptable. 

An identity theft affidavit and police report will be filed.
I have been trying to get a loan modification or forbearance with Wells Fargo since 2013. I work in a XXXX and have a 20 % interest that shows on my taxes. I was working with two representatives of Wells Fargo and each requested paystubs bank statements tax returns. One person held up my file for 3 mos.until I could get the business tax returns. 
I tried to explain that I do not own the XXXX I work there I get a XXXX. 
The next person that was assigned said that I did not need the tax returns. Now re-entry said that I can do nothing to saver my home because of the time that lapsed. Wells Fargo created these issues. I had three different underwriters, m one requested documents and he left the company. One Underwriter was transferred this underwriter requested over XXXX documents. The last underwriter and person assigned took less than a day to say that I did not make enough income even after my father provided his taxes and proof of income.There was a sale date on my home. I need help to save my home. My whole family is now living in the house with me. We are all working. I want to keep my home. Please help!