WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XX/XX/XXXX I received a Collection Notice from XXXX XXXX XXXX ( " XXXX '' ) alleging I owe {$32.00}. On XXXX XX/XX/XXXX I responded to XXXX  via USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) by sending a Debt Validation Letter. XXXX never responded to my letter ( USPS confirms delivery ). The validation letter disputed the in writing ; the amount of the debt, the creditor to whom the debt is owed, a statement disputing the validity of the entire debt, and a request for the name and address of the original creditor. XXXX failed to respond to the validation request. Now, one year later, SHERLOQ Financial ( " SQ '' ) is attempting to collect on the same debt XXXX attempted to collect on. However, SQ is estopped from collecting on the debt because the debt was never validated by XXXX. Therefore, XXXX is unable to sell, convey or transfer " collectable '' debt when XXXX failed to validate the debt pursuant to a Debt Validation request under the Fair Debt Collection Practices Act. In an abundance of caution I have sent via USPS certified mail a Debt Validation letter to SQ. SQ is collecting on an uncollectible debt- conveyed to SQ by a company with knowledge the debt is uncollectible and unvalidated. The shell game played by XXXX and SQ continues to cost me time and postage. Please put a stop to this egregious abuse of the FDCPA. Moreover, I disputed this alleged debt with the original creditor and received no response. The alleged debt was first disputed with the original creditor, again disputed with a debt collector, XXXX, and now a third time with another debt collector, SQ.
Someone called my place of employment and a relative to whom no information was provided about something but did n't disclose what the reason was or anything. I do n't know why because I never received any type of notice from this company that a debt was placed with them or a right to dispute. I am also forwarding to this company a cease and desist notice as allowed under the FDCPA. I want all contact to stop except for a note with a right to dispute. Thank you.
I used my AMEX bluebird prepaid card to secure a hotel for 2 days, the room rate was XXXX which with taxes came out to XXXX a night. My card was charged XXXX separate times for over XXXX dollars. I have gone through the dispute process twice now which is very long, submitted all proofs and receipts and they still have not given my money back. They do not allow me to speak directly to there dispute department and will only talk to me through there customer service number, which claims to want to help but ca n't.
In XX/XX/XXXX I requested my credit report and noticed an account that i do not recognize. Therefore, on XXXX XXXX, 2016 I mailed a validation letter to National Credit System for an account they are reporting that they claim I owe them. I requested that they provide proof of the account. To date, I have not received a response related to the information I requested.
I started this loan with XXXX XXXX in XX/XX/2017, once my loan was processed the company explained to me my payments would come out of my account during my bi-weekly pay period. At this time I asked if the payment could come out once a month, I was told, they go by my pay period. From there I started to have trouble the next month with paying my mortgage which I pay at the beginning of the month. I have been getting late fees from my mortgage company, my bank and other bills due to this. I have had to close my XXXX account which I will have to pay the {$200.00} fee. My mortgage company there is a {$35.00} fee each time I am late ( I have a 1st and 2nd mortgage ). I have attached bills that have been late along with letters of late notices.
I wrote to TransUnion and XXXX & XXXX on XX/XX/2018 & XX/XX/2018 concerning a XXXX Account that was on my profile. I also sent a letter to XXXX asking them for a copy of this account that was on file from my credit report. I received the copy of said contract but what is on my file and what is on my credit report are 2 different things. The contract XXXX sent me was Acct number XXXX which is correct, .XXXX shows on my credit report Acct # XXXX and TransUnion shows Acct # XXXX which are 2 completely different numbers. I asked them both times when I wrote to them to provide me proof and each time they have not. I also went as far as providing them a copy of my contract and all I get back was varified. How can something be varified if I have the proof in hand???? As I close TransUnion has it marked as bad debt but nothing under payment history.
XXXX from OneMain Financial in XXXX, Kentucky has been asked several times to stop calling my place of employment and my personal cell phone. I have enrolled in a debt settlement program and they have also contacted him to stop communications with me that they handle the matter now. He went as far as coming to my home this Saturday XX/XX/XXXX around XXXX. My husband answered the door and told him I was not home but he kept insisting my husband was lying because there was XXXX vehicles in the driveway. He has since continued to call my phone 3 and 4 times a day as well as calling my place of employment at least twice a day if not 3 times some days. My boss has even asked the calls to stop at work but they continue! It is affecting my job now and this has gone to far!
Capital One violated 12 CFR 226.13 - Billing error resolution. 27 and regulation Z by : Not reasserting the charge when I submitted additional documentation that proved that a credit was issued to the merchant who shipped me the goods. 

When I previously submitted this complaint, twice, to the CFPB Capital one did not address the issues in complete and forthright manner.
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The accounts I am disputing are from XXXX XXXX
XXXX   XXXX  issued by  XXXX   XXXX  Bank 30 day late payment has been noted on my credit report.     My law firm has  FIVE t imes contested this negative mark on my credit report.       XXXX   XXXX   XXXX   refuses to remove it from my credit report.      XXXX  xxxx xxxx xxxx  XXXX   Date Open   XXXX    XXXX   The statute of limitations has passed.     Please remove this 30 day late notice from my credit report.     Thanks in advance.      XXXX   XXXX
ALL 3 CRA 's have not updated my balances for my XXXX account in months my balance is {$0.00} 's yet TRANSUNION XXXX AND XXXX  are still showing a balance of {$620.00}. XXXX has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET XXXX  KNOW MY CORRECT NAME IS XXXX XXXX XXXX not XXXX XXXX XXXX!
Di-Tech is the company and the way they conduct themselves is beyond comprehension ; Rude and unprofessional. They reported loan number as being late twice and that account number does not exist.
XXXX XXXX XXXX Account Details Account status Closed Type Mobile Home I have never had a mobile home nor manufactured home. This account is not mine
I was supposed to receive a credit for the account assure being charged on my victoria secret card and to date have not received anything. I 've been paying for this service since before  XXXX     2016. T here is no answer when you call the phone number they provide.
Our Bankruptcy was Successful, and Lien Releases and Account updates were due XX/XX/XXXX, Discharge Order dated XX/XX/XXXX has been sent various time. On XX/XX/XXXX I called XXXX XXXX asking that the account be updated and was notified that the account would be reconciled and lease from their Bankruptcy Dept. within 30 days. I am currently trying to refinance my loan due to the 6.75 % to a 4.1 % ; I am currently on day 55 and STILL waiting for Seterus Inc. to expedite my request. 

As of today, XX/XX/XXXX I have incurred {$630.00} for a 10 day lock extension to maintain my interest rate and a direct result of Seterus Inc. failing to comply with The Fair Credit Reporting Act ( FCRA ), require that my payoff accurate in a timing manor. Additional, I could have had this already refinance and I am still currently paying the hire interest at 6.75 %, this is costing me significantly. 

I have never made a payment past 30 days ; the Payoff Demand from Seterus Inc. sent on XX/XX/XXXX states my next payment due XX/XX/XXXX. Additionally Seterus Inc. sent a Credit Supplement - Mortgage Rating indicates last payment received XX/XX/XXXX and reports no payments past 30 days, the Payoff Demand by the Bankruptcy Department contradicts the Credit Supplement. 

I have make various phone calls and sent letters, at times they are rude and tell me they are over loaded with these types of cases and they are doing their best. I am very stressed and frustrated and need help to reach the next ten day deadline or it will cost us more money. I will attach the attorney 's letters, my letters and Bankruptcy notice. 
Main Contact at XXXX - XXXX XXXX, Bankruptcy Dept XXXX or XXXX XXXX, both from the management team.
This is to follow up with my previous complaint that I filed for Bayview Servicing. Bayview servicing put me on worse financial situation. Bayview scheduled a sale date on my home when did n't help me to put me on a payment plan to keep my home. I had to borrow hard loan money with high rate and pay the back payments to Bayview because I want to keep my home. Now, financially I am in deeper debts and higher monthly payment, I am in worse financial situation. I do n't know how long my family and I can survive.I did file for XXXX XXXX to find a remedy but it was a temporary solution. As I learned within last few years, there are different plan to help homeowners to keep their home. Bayview or its investor can lower my rate and or extend the time to reduce the monthly payment, they do n't do it. Selling my home does n't do any good for us. Bayview offers to sell my home but I spent our life saving as down payment and for last few years I paid principal and interest to make equity on my home which can be our future asset, by selling my home all of my down payment and principal payments that I made will get disappear - I do n't get anything back. Where and how I am going to go with family of 8 people. Bayview claims that they conditionally pre-approved me for liquidation options as : sell the property, Pre-foreclosure XXXX, or XXXX. All of these options are in favor of Bayview. If my property has equity on it then I do n't need to be pre approved for the above options because it can be just a regular sale of my home. I borrowed hard loan money to prevent my home auction but this drains my family food and medication resource down to pay the high payments to Bayview and private lenders. I want to keep my home just because of family situation that I have and said for many times in my hardship letter that I sent to Bayview and asking for help to do it. I know there is a way for Bayview and or its investor to work it out with me to lower my monthly payment.
The loan servicing of our first mortgage was sold by XXXX to Nationstar Mortgage in XX/XX/XXXX. Our XX/XX/XXXX payment was lost in the transition. XXXX has acknowledged that they received our payment on XX/XX/XXXX, and then sent the payment to Nationstar on XX/XX/XXXX. Nationstar claims they never got it. We have been a month behind with Nationstar ever since. Additionally, we have been paying above the required payment amount, yet Nationstar has not been applying that to principal as is common practice. They have been putting the money in a suspense account. Unless I ask them to, they do not apply it. I have called Nationstar XXXX times ; sent emails XXXX times, including filing a claim with them for the lost payment. A subsequent call to their Customer Service department said our claim was declined, although I never received any correspondence to that effect. We are getting saturated with late payment collection calls ( almost daily ) and notices about how they can help if we ca n't make payments. Totally not the issue here. 
My last conversation with them was on XX/XX/XXXX. My mortgage broker and I tried to work our way up the food chain - c/s rep, c/s supv ... - landing on a c/s manager named XXXX. XXXX promised a call back on Monday XX/XX/XXXX @ XXXX a.m. with response after speaking with his Vice President. On XX/XX/XXXX, I called and asked for him. Either he was n't there or was n't taking calls, nobody was sure, nor did them seem to even know who this guy is. To date I have made numerous attempts to resolve this with Nationstar. At minimum, they should bring ouraccount current as they have the confirmation from the prior servicer that my loan payment was received. What they do in the background to get their money is for them to do and not in any way affect my/our status and credit. Of note : because of this payment being " misplaced, '' our XXXX for XX/XX/XXXX will now be incorrect and I fear XX/XX/XXXX reporting will not be accurate as a result.
I purchased a home XX/XX/2018. 7 months later I received a letter stating my mortgage payment is increasing $ XXXX/month due to an escrow analysis. I can not afford the increase in monthly payments and would not have signed for a loan with payments that high. I have open up an investigation case with my local tax office but it takes 30 days to get an answer. I do not want to get behind on my mortgage payment or it having a negative impact on my credit. The loan company states that can not do anything about the increase in payments. 
I would also like to add XXXX XXXX to this case which is the local office who has done a 3 yr assessment increasing the taxes. I have only been in the home 7 months. The case number for them is Id # XXXX.
XXXX is reported incorrectly and does not state " medical '' on credit report. They are breaking the FCRA act and did not indicate this as a medical account. I am asking that this improper reporting be deleted completely from my credit report. In the " Consumer credit reports : A study of medical and non-medical collections '' dated XXXX 2014 it states ... ... 

" As previously noted, research performed by the CFPB demonstrated that credit scoring models that treat medical collections in the same way as other collections trade lines penalize consumers with medical debt collections by underestimating their creditworthiness with lower scores.XXXX The study found that consumers with medical debt were more likely to pay their future loan obligations on par with consumers scoring at least XXXX points higher. '' The credit was reported incorrectly and needs to be removed from the credit reports completely.
I hired a company to get me a loan modification and they scammed me. I was told not to make payments and now I 'm $ XXXX behind. ( I filed complaint on them too ). I had to file bankruptcy to keep my house. It is very difficult money wise. I have XXXX to care for. I asked the loan company ( Ditech ) to put the arrearage to the back of the loan so I could save {$600.00} a month or so. They are giving me the run around. Please help.
On XX/XX/2019, around XXXX Eastern Time, A guy by the name of XXXX XXXX promised me he could make me more money so I transferred XXXX $ on XXXX. It sounded legit because I had to go through my bank to sign on and give them money through it. I trusted him so i did and he then told me he got it and I would recieve a larger payment soon. He then blocked me on every website and all I have is his name and phone number. I asked wells fargo for a refund, and now im locked out of my account and I called XXXX and told me they couldnt help me.
I have had a series of fraudulent charges made from my checking account from the period of XXXX XXXX XXXX for an amount of XXXX . The bank initially has denied my claim as they say the money was all taken out with my personal ATM card, as well as based on the signature used when withdrawing at some specific point. However, I did not lose my ATM card and so I find it hard to believe that this reason for denying my claim would be reasonable. Furthermore, I have not gone directly to the bank to take out money, at which point necessarily needing to give my signature, in many years. For these reasons I 'm filing this claim against Bank of America.
I opened a savings account with Bank of America in XXXX. At the time, I was told that, in order to avoid any maintenance fee, I had to use my account for online transactions only : paying bills online and so, instead of going to the bank itself. 

This has been going on no problem for years now, until just this week I noticed that my savings account was in the negative. The reason is that, since XXXX, they have been charging me a {$5.00} monthly maintenance fee. When I call, they tell me that it's because the balance of that account is under {$300.00}. Note that I have two accounts with Bank of America, and the other one ( checking ) has a balance well over {$15000.00} at all times, so it's not that I have left my account empty. 

Now, I did not get an email or letter telling me about this. I had an online statement for the month of XXXX for my savings account, but no statement in XXXX or XXXX, yet I got charged both months. This feels like they are cheating on trying to sneak this charge on me.
Being harassed for other people 's debts even after I informed OneMain Financial that they are calling the wrong person. Asked them to remove my phone number from their computer several months ago and they are still calling me asking for someone else and saying they are trying to collect money owed. Giving me a run around about removing my phone number from their computer Robo dialer months after was told it was to be removed.
I have been repaying the student loan for about 4 years now after it was left to go delinquent by the other party on the loan. Navient has been steadily raising the interest rate on the loan, now over 12 %. I have made multiple requests to have the interest rate lowered and those requests have been denied. Such a high interest rate ensure 's that I will likely default on this loan and ruin my credit. I have attempted to renegotiate this loan with other companies such as XXXX but since it is not in my name I am not allowed to subsume the loan. The other party on the loan has such poor credit they would not be allowed transfer the loan to a new account.
AES has violated 15 USC 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.
To Whom It May Concern : This letter is a follow up to my original letter dated XXXX/XXXX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under NAVIENT. 
By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. please delete this erroneous reporting from my credit report I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.
On XX/XX/XXXX I spoke with Transunion supervisor XXXX XXXX, who would not help and take care of the negative inquiries reporting on my Transunion credit report due to being a victim of there " Inquiry issue ''. Negative Inquires listed below : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
I completed a loan modification with Wells Fargo. I paid on-time forXXXX months. During the process I was told I had title issues. This is my XXXX attempt at a modification with the title work being the hold up of completion. I filed bankruptcy and am not obligated to repay any of the debt of this mortgage loan. However, Wells Fargo and its title agency are falsifying information and including debts and liens from another person. I have provided information to them on several occasions that this person of the same name is not me. I have paid for an independent title search and these debts are not on my credit report. During the trial period of three months I had XXXX different specialists aasigned to me case. I received a letter recently stating I had to respond to the title issues or my modification would be denied. I responded with all requested documents and I called to confirm the documents were received. When I asked about the documents, a rep told me that they had not even been reviewed yet by the title department but yet a letter was sent stating they would deny my request. At this point, I really feel as though Wells FArgo does not want to complete this modification and are determined to make these liens which I have proved do not belong to me, a part of my file as their jusitication to mot approve it. I have years of experience with lending and real estate and ca n't even imagine the number of people who they have probably taken their houses away from them in this manner.