WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 a certified letter was sent to XXXX XXXX XXXX XXXX. The letter asked for validation of the debt. I asked for three documentations. 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears signature of the alleged debt wherein he promises to pat the creditor/XXXX XXXX XXXX. 3. Complete payment history on this account so as to prove that the amount you wish to collect is correct. XXXX XXXX XXXX failed to provide me with all the documentation that I have the right under the FDCPA to obtain. The letter that they send to me stated that it was Verification of Debt not Validation of the debt. The amount on the letter is different form what it is reporting on my Credit reports. The information that was sent to me dose not have any of the information that was mentioned in the letter with the information.
On behalf of XXXX, a debt was settled through XXXX XXXX , XXXX . Some months later, Capital Management Services , LP tried to collect the same debt. I wrote to Capital Management explaining their error and received no response. Capital Management continues to send mail demanding payment. 

Attachments : 1. My letter of explanation to Capital Management 2. Capital Management 's demand for payment 3. Settlement letter from XXXX XXXX 4. Canceled check sent to XXXX XXXX with reverse stating " For Deposit Only, XXXX XXXX XXXX ''
I AM TRYING TO CLEAN UP MY CREDIT AND I SEND A GOODWILL LETTER TO THE SCHOOL ASKING IF THEY COULD REMOVE THE 3 LATE PAYMENTS I HAD BECAUSE I HAD HIT A ROUGH PATCH IN MY LIFE AND FOR 3 MONTHS I COULD NOT PAY. XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX I WAS UNABLE TO MAKE A PAYMENT. WELL WITH THOSE 3 LATE PAYMENTS IT SHOWS I HAVE 27 LATE PAYMENTS BECAUSE I HAVE A FEW LOANS SO ITS MAKING IT HARD FOR ME TO GET CREDIT OR TRY TO GET MY FINANCES IN ORDER, I AM BACK IN SCHOOL NOW AND I JUST NEED SOME HELP PLEASE.
I have a private Student Loan through Discover. The already outrageously high interest rate ( 9.875 % ) raised without notice to 10 % this statement. This is the second time this year the rate has increased. This time, however, no notice was provided for the increased rate. I 've previously tried working with the loan servicer to find out how I can reduce the interest rate ( whether through refinancing through Discover or any other means ) and they have been unhelpful. Aside from the fact that my auto loan and mortgage have interest rates that are nearly half that of my private student loan, I am concerned about the rate continuing to increase. Furthermore, I have attempted contacting the servicer for an explanation on why the rate has increased without notice, and a request to return the rate to what it was before the increase happened ( again, without any notice to me ). Not only has Discover not addressed my concern, Discover simply has not engaged with me. I have not received any communication since my inquiry, several days ago. I 'm worried that I have an outstanding debt to a private institution that operates similarly to a gang lord ; Discover charges me what it sees fit, and does not service my account, and I simply do not have a voice with them. Every month, I pay XXXX to XXXX times the minimum payment, in an attempt to be out from under this debt from an unfair provider. The feeling of despair and hopelessness grows more each time they chose to unjustly raise the interest. What is more troubling, the interest steadily started rising as soon as I started paying more than the minimum. It is as though Discover was dead set on making a specific profit from my account, and now that I can afford to pay more to the account, they will make up for the fact that I will be debt free sooner by charging me exorbitant fees lacking representation. I do understand that this loan has a variable rate ; however, if my provider is going to exercise it 's right to increase the rate, it absolutely must give me proper notice. It was the only thing that separated it from a slum lord, and I fear I do n't even have that now.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  //// DIVERSIFIED CONSULTANTS #  XXXX   XXXX   XXXX   XXXX   XXXX ,, FL  XXXX   XXXX  The y are  calling on a   XXXX   XXXX   XXXX   XXXX   owing  them  XXXX   which is false i returned their equipment to the   XXXX   XXXX   per their receptionist at   XXXX   XXXX   XXXX   XXXX   she told me there was no other amount owed due to the fact i returned their equipment in due time now this company is trying to collect money from me and the   XXXX   XXXX   XXXX   XXXX    receptionist from  their main office warned me of false collection from these people it is happening quite a bit to their past customer and she told me not to pay them and to report their false way of doing business to the correct people they are these   people are not giving    XXXX   XXXX   XXXX   XXXX    a vey good name  she was from their Florida office please have  them st op asap
On XXXX/XXXX/XXXX I received XXXX debt collection letters from ERC regarding XXXX debts to XXXX XXXX, XXXX. XXXX in the amount of {$990.00} and XXXX in the amount of {$760.00}. I received another collection letter from ERC on the XXXX/XXXX/XXXX for another debt in the amount of {$260.00}. I do not owe these debts. 

I have already sent, submitted a proof of ID to XXXX last year regarding another debt.
Ally financial repeatedly reports I had a late payment in XXXX 2016 but I paid double that month and they refuse to remove it.
I opened a Chase bank account online on XX/XX/XXXX. The account was created successfully and I received the account number a several emails welcoming me to Chase bank.

On XX/XX/XXXX I was unable to login to Chase.com to access products I currently have with Chase, credit cards and mortgage. The message I received was " We weren't able to sign you in ; please call us so we can help. Because of recent activity on your account, we've suspended your chase.com access for your protection. Please call us at one of these phone numbers ... '' After calling customer service I

was routed to Operating Loss Prevention, which informed me that Chase decided to end their banking relationship with me and that no reason would be provided. My account access would be unlocked in 10 days, once they've had a chance to fully close my Chase banking account and any deposits I had made before the account was closed would be returned to me via check in 10 business days, any future deposits would be rejected. After calling several times and asking management for an answer, I was read the same script and provided answers such as Chase can choose to end a banking relationship for no reason, similar to how a consumer can chose to end a relationship for no reason. 
I have already purchase checks for this account around {$30.00}. I also rerouted my direct deposits to this account from my old XXXX XXXX XXXX account, which had to be undone on XX/XX/XXXX. My direct deposits did not reach my XXXX  XXXX XXXX account and were likely declined by Chase. I now have to see what options my payroll department has for resolving this issue. I have lost significant time and effort and funds trying to determine why Chase decided to close an account of a current customer without notice or explanation. This is an unfair practice.
I have sent several requests to Santander per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
My house was for sale and the sale fell through 2 days prior. I had already moved and was 2 months behind. I paid my mortgage payment at 4 months past due and Wells Fargo returned it and didn't apply it to my loan. I called prior several times to work with agents on a repayment plan. When the payment was returned I was told it wasn't in foreclosure and began the paperwork for home retention. I also submitted two payments. Both were held and after I returned the paperwork for home retention the bank started the foreclosure process. I had decided to keep my home and move back in but with all of the difficulty with the bank I relisted it and got an offer on my home to close in a month. I've called Wells Fargo several times and advised them of the closing date. Each time they say a new agent is assigned. That person of the day is usually not available so I speak with whoever is. I told them for the 4th time the house is sold. They say they weren't aware. I'm also trying to get a payoff quote and they will not send it. I filed for mediation and have until the end of XX/XX/XXXX to complete that. Wells Fargo is continuing to charge me fees, hold my payments without applying them and refusing to generate a payoff quote. My home is supposed to close in 6 days! I will after this close all of my accounts with them.
purchased a XXXX from XXXX, XXXX, pa .XXXX owner.from day one car had issues then found out the frame was completely rusted took it back to dealer, he took to his mechanic to fix which was never done four months still not done.but the police shut dealer down for racketerring and fraud which my car was involved in inspection sticker and emission sticker passed the jeep all under investigation by state police amongst other things list goes on, the mechanic has been leading me on four months now XXXX owner not paying the mechanic to fix car since he was shut down, i have been stuck four months now with ins and car pmts on a car i didnt even possess, bank says not their problem, what can i do.i did file a judgement with the local district justice which i am waiting to hear from soon.mechanic still holding car etc etc list goes on,
I check my credit report on XX/XX/XXXX, and I noticed that Equifax is reporting current information that is two years old. Two years ago  XXXX XXXX XXXX XXXX ( Company Bureau ID XXXX ) reported An auto loan delinquent on XX/XX/XXXX, because I decided that I couldn't continued to recover the cost of a vehicle in repairs that was worth XXXX at purchased and finance for XXXX with warranty that would not cover the repairs of {$3000.00} after only having the vehicle for eight months and spending {$3000.00} in repair cost I could not afford the repairs and with a warrant that I purchase with the vehicle that didn't cover the cost. The problem is that between XXXX XXXX XXXX XXXX and the credit bureau, this delinquent keeping showing up on my report as current or recent delinquent, which continues to worsen my credit score. Equifax has reported this delinquent for XX/XX/XXXX and XX/XX/XXXX as current which is not correct. This delinquent happen XX/XX/XXXX. I would appreciate if you could help me resolve this matter. I am a retired military veteran and I try to maintain a good credit score, but sometimes things happen. Thank You!
I had a checking, savings and credit line account through BB & T for the last decade. Recently there were many errors and retaliatory actions that were done to my accounts. These subtle errors by the XXXX, MD team coached by XXXX XXXX was brought to your attention. I originally several times have requested formal arbitration information relating to this. My credit continues to be hurt and no resolve after months. I was told at some point there are repayment arrangements possibly I can enter into as to not hurt my credit further while a resolve/research is done. This being said, I want BB & T to know that during this entire process I have had XXXX from a car crash. I am still treating and XXXX from this car crash that was not my fault. I left in ambulance and have XXXX of dollars in bills, with plenty of documentation to substantiate. This being said I would like to see if I qualify for any medical or hardship related freezes or repayment plans? Repeatedly I have been asking for this and have not gotten any answers. I do not want my credit to be further hurt and want a proper working relationship with BB & T again without XXXX XXXX loose run ship of fools sabotaging my account because they do not like the frequency of my visits. Also XXXX pulled my credit for auto financing that I never authorized, this was never answered either. Errors to credit reporting need fixed. First things first, what can I do to repay the account into good standing while the above research and arbitration matters are resolved? Do you have any medical/hardship related payment plans, given the severity of my car crash and being limited to the amounts, types of work I can do. This medical XXXX has resulted in dramatic losses of income. Please offer me any programs I may be entitled to in writing to my home mailing address on file. Thank you.
I was incarcerated on XXXX XXXX 2016.at the time of my arrest my purse was in the vehicle of a woman I had met only a few weeks prior.I thought it was safe.WRONG.two weeks into my incarceration a deposit was made onto my bank of America visa in the amount of XXXX XXXX discovered upon my release on XX/XX/XXXX2016 ... I also discovered at this time I had a XXXX BALANCE.I was devastated.I filed a fraud claim with the bank right away.I filed a police report right away.I sent the bank proof I was in jail when each transaction was made.which was XXXX documents, ine for booking, XXXX for transfer to different county, and XXXX for final release.they inconveniently said they did n't get the release document, although they wrre all sent in the same transaction ... so I sent it again ... anyway they denied my claim saying they think I gave thus woman permission ... I absolutely did not.why would I? I hardly new her.I am the mother of XXXX and it was XXXX.please help ... I believe they are pAssing judgement on me ... because I was incarcerated.but what they DO N'T know is that jail saved my life. I was able to escape from my abuser ... some of that money was going to help me start a new life ... I had been waiting a long time for this money.it was back child support owed to me ... please help.the police report case number is XXXXXXXX.filed with XXXX washington police department..first officer XXXX then detective XXXX.then he says he turned it over to XXXX police ... because thats where most of the transactions happened. Then they said he would have never done that ... .I keep getting the run around..ive named the woman in the police report her name is XXXX.I fully want to press charges.I am willing to take a polygraph ... ... .please help me!!!
My ex husband claimed bankruptcy chapter XXXX on XXXX that was discharged on XXXX and then I later claimed bankruptcy chapter XXXX on XXXX discharged on XXXX despite these two filings this collection company has repeatedly continued to report false information and refused to correct it with our federal bankruptcy information.
On XXXX XXXX,2014 I received a letter from Bank of America. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.
Kohl 's allowed for a credit card/charge account to be opened in my name and under my social security number. When I contacted Kohl 's they refused to help me and told me that I should pay the bill. I told them that not only did I not open the account that the charges that they were trying to get me to pay were fraudulent. I did not open this account, I did not authorize this account to be opened in my name. This is a fraudulent matter and Kohl 's has started sending me threatening letters, and calling my phone constantly trying to get me to pay for a balance that was charged on the account that they allowed to be opened fraudulently and each time I try to relay this information to them they refuse to assist me. They are now violating my rights by reporting this fraudulent account against my credit bureaus, and they are trying to collect money from me by using abusive tactics for a debt they have been told was fraudulent. The following account was opened in my name fraudulently : Account XXXX This is fraud and should have never been opened.
Loan agency would usually take out money from my account on a monthly basis. A few months later the automatic payments stopped coming through, and I checked with my credit reporting bureau to confirm the debt was paid. Shortly after, I started receiving phone calls from Argon Credit mentioning my account was behind. I asked for a letter describing the payments, in which I never received. I received an e-mail that was worded incorrectly, nor had a name of an individual. I advised them that the credit reporting bureau had confirmed the account was settled ; the individual mentioned I had owed them XXXX. I once again asked for a letter to be mailed to me proving I owed this amount, in which I never received a letter. A few months later, I have received harassing e-mails stating I owe nearly XXXX. 

Originally after I stopped having the automated payments come out from my bank account, I wanted the loan provider to send me a letter confirming payments were complete, but I was forced to leave several voice mails and did not receive a call back. I was also asked to provide proof that these payments came out, in which I provided to the loan office, and after providing it to them they claim to have never received such documents. 

I have also contacted the Better Business Bureau, in which they were not able to obtain a resolution, but this agency has an F rating for their business.
Unable to transfer IRA funds to another bank. Partial transfer due to $ 250k FDIC limit
While checking credit report, I found this DEBT from XXXX. I have been a victim of identity theft and fraud. I have never used XXXX and never received letters about this DEBT.
I have been fighting the accuracy of my 12 student loans that have been out of default sine last year of XX/XX/XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a zero balance as i have also consolidated all of the 12 loans into 1 loan! I sent a email to the CEO of Navient and got a email back from one of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XX/XX/XXXX! Now inXX/XX/XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of 120 past due as that event happened before i rehabbed my loans although XXXX the ORIGINAL bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only 3 of the 12 loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next yearXX/XX/XXXX! but these 12 accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought 3 of the 12 loans.
When I was trying to login my classes online XXXX XXXX XXXX XXXX XXXX. I was able to open the online classes because it was turn over to a collection agency. So, it was a number there for me to call the collection agency ( Ability Recovery Service Center ). When I call and was trying to talk to her ( XXXX XXXX ) she was very rude I was trying to tell her I am unemployed and I would n't not be able to pay in full ( {$2500.00} ). She start yelling on the phone with me getting smart. I was trying to ask her if I can come up with a {$150.00} to open my classes back up. She would n't listen to what I had to say and when I call her XXXX XXXX ) back the second time she said I have already talk with you once but I was trying to tell her the school ( XXXX XXXX XXXX ) said I would n't have to pay in full ( {$2500.00} ) to open my classes back up but ( XXXX XXXX ) said it not what ( XXXX XXXX XXXX XXXX say it what she say. She was still yelling on the phone you would have to pay in full but I am unable to pay the full amount cause I do not have a job at this time.
I fell behind on my mortgage payments. Try calling Wells Fargo before. About the programs they mail me stating what they can offer. Here is the following, Reistatement Repayment plan Forbearance plan Loan Modification Each program I was told I am not eligible, without explanation. See I try to work with them to prevent me from going into forclosure. However, Wells Fargo refuse to help me and is only giving me to XXXX XXXX to pay or they are going to foreclose on me. I am facing hardship and requesting help.
Santander is violating the Fair Credit Reporting Act in many ways and they are causing serious harm and damage to my credit as a result of their inaccurate reporting. 

The information they are reporting on XXXX and XXXX is inconsistent and should not be tolerated. 

1. They are reporting XXXX different addresses on the credit report. The address on XXXX is for the first payment, before the deal is funded. The address on XXXX ( once Googled ) does not link to any Santander dealership. I see places with XXXX XXXX, but not XXXX XXXX as is reported on XXXX. 

2. They are reporting different late payments on the credit report. XXXX is reporting Repossession as of XXXX XXXX ; 90 days past due as of XXXX XXXX ; 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX and 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX. While XXXX is reporting 60 days past due as of XXXX XXXX and XXXX XXXX ; and 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. How can there be such a huge difference in the way the late payments are being reported? This is totally inaccurate. 

According to the Federal Trade Commission, it is illegal and against the Fair Credit Reporting Act to report inaccurate information to the credit bureaus once it is brought to the attention that it is inaccurate. 

Furthermore, you failed to mark this account that it was disputed as a result of my dispute sent to you and the credit bureaus. Which leads me to believe, a real investigation was not complete.