WillisBack/dataset-financial-user-claim huggingface dataset:
I moved from XXXX Mi to XXXX Mi XXXX XXXX 2015, never miss a months credit card payment ... late a time or to. On XXXX/XXXX/15 I open a saving and checking account aat XXXX XXXX XXXX. On that same day, went straight to XXXX county Veteran Affairs office. to ask if I could Please have my routing number and account number fax to the XXXX V.A. office in XXXX Mi. XXXX XXXX told me they operate on tax dollars and they could not do to much. I ask XXXX if he could just fax the info he turn and walked in to his office so i ask him to do his job. I went across the hall to the XXXX XXXX leage power of attoney XXXX XXXX. Said he really did n't quite know how do he got on the phone made a call .ask if the info was right and he would I explained I was great full cause it had to be in before XX/XX/XXXX. the secretary, XXXX and XXXX did n't fax it until the XX/XX/XXXX. So I had to miss a months credit card payment. Now it have collection angency calling late fees pilling up. what should I do it 's really not my err. they just did n't do there job.
From XX/XX/XXXX to XX/XX/XXXX I have been making weekly payments of XXXX to my auto loan. I set my loan up for XXXX to apply to payment and the rest to principle. In XX/XX/XXXX and XX/XX/XXXX capital one applied multiple payments directly to principle without my knowledge or premission. I was not notified of the reallocation and/or my payments were not rejected. For months I assumed my payments were being applied as I directed until I was charged a late fee XX/XX/XXXX. In XX/XX/XXXX I called to inform them that I paid this bill in advance and didnt understand why I received a late fee and that I couldnt make another payment for a week or so. When I called to inquire about my advanced payments and late fees, I was told I never paid in advance and my payments were applied as I asked and I missed payments thats why I was charged the late fee. To resolve the problem one agent moved my payment ahead a month and told me someone would be in contact about the 30 days late. No one called and nothing was changed. After persistent calls to capital one and a payment by payment review, that i could not do myself because they blocked my transactions on my online statements, I was told they changed my payments from what I allocated them as to complete principle payments and I was told I was paying my loan to far in advance. When I asked why I was not notified or sent the payments back they stated that is not capital one policy and I do not have to appove them changing the way I requested my payments to be applied.
OnXX/XX/2018XXXX I mailed a letter to ERC requesting debt validation. I was sent a copy of a bill from XXXX XXXX XXXX in the amount of {$1000.00} and no validation about a XXXX bill in the amount of {$650.00}. I requested proof that I was the party to pay this debt, and requested proof that there is some contractual obligation binding me to pay, or something that bears my signature. I stated in the letter dated for XX/XX/2018, that this was not a request for verification but a request for validation. I requested the following items : -agreement with the client that grants you the authority to collect on this alleged debt -agreement that bears the signature of the alleged debtor where he/she agreed to pay the creditor -date alleged debt became payable -date of original charge-off or delinquency verification that debt was assigned or sold to the collector ERC has failed to provide me with this information. Under the FDCPA, I have the right to debt validation. It is the debt collector responsibility to prove the account is really my responsibility and that the balance is accurate. In addition, the collection agency must also prove they have the legal right to collect this debt.
Someone using my account like me. But i was n't me, someone stole my Bank information. and i did let the Bank let know right the way. After i did notice them, The tell me the will pay my money back to my account the tell me they sorry what happen to me i will never happen again. Few days let i did see a balance on my account says i did owe them Money {$470.00} dollars i did called Chase. To ask about it the tell me i did got i double Credit. from the Company who someone Using Card as me. But i have never receiver any double Credit i did ask them why the let those people put the money in my Account they know the pay my money already. I find it not right them to tell me owe them money while they are Bank is n't secure. The keep putting the interest fee on that money like i did something the been accused me about that, Someone who stole my identity using my card while i have never been at the date of the month was  XXXX / XXXX /17   XXXX   XXXX   XXXX    XXXX  NJ card  XXXX  the amount of {$45000.00} thank you so much i hope you to hear from you soon
I was never given the options for for the income based repayment option. Only forbearance and deferment. They payments were always more than what I could pay. When I did ask about the IBR options I was told I would not qualify with the status I was in due to exaughsting forbearance and deferment options and I would have to pay back at an intolerable amount each month. After a year of rehabilitation got on a program where I could actually afford the payment. Since this option was not made available anywhere near the beginning of my student loans my debt has more than doubled. There is a large amount of service fees that were added and my credit score has been severely affected. I have only recently been able to get a car loan and the interest rate I had to settle for is well above the national average.
XX/XX/XXXX XXXX XXXX XXXX : The Money Source Loan number : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Good morning, We're submitting this complaint for the purpose of asking your assistance in dealings with XXXX, surrounding our loan Modification request. 

We began our conversations with XXXX on XX/XX/XXXX and submitted all requested documentation shortly thereafter. Documentation was received, by them, on XX/XX/XXXX. 

Since that time, we've been dealing with XXXX XXXX - who informed us that SHE was our single point of contact ( untrue ). Her extension is XXXX. Over the course of the last 30 days, XXXX has told us that Underwriting had questions regarding our XXXX XXXX XXXX and supplemental Letters of Explanation. 

On four separate occasions, we were asked to resubmit the same documentation. ( at XXXX 's request, her saying that it was Underwriting asking for the updates/with no clear explanation ) It wasn't until last week, when we had an opportunity to speak with a different individual, that we were told exactly what the issues of those documents war. We took immediate corrective action and submitted those documents 24 hours later. 

Our next follow-up call, with XXXX, brought us the same results as the previous for conversations. Again, she insisted that Underwriting needed an explanation on the documents that we had repeatedly explained to her, over the phone and in the detailed Letters of Explanation. 

Yesterday we had a conversation with XXXX, extension XXXX, and again, we were told that there was a request for an explanation of our XXXX XXXX XXXX, our most recent bank deposits, and the Letters of Explanation, surrounding our lease agreement. ( We currently do not have a lease agreements with any subletters ) After explaining everything to her and her actually taking the time to look at the documents, she agreed that what we've provided is satisfactory for the individual who is - SETTING UP THE FILE TO COMPLETE IT AND THEN SEND IT TO UNDERWRITING. 

This means that our file has been pending set up approval for 30 days and Underwriting has yet to see it. 

It's painfully clear to us that XXXX is actively working to willfully mislead us and break our spirits. This is a very sizable loan and the value of our home has gone up, since we purchased it. 

We are requesting that you step in and demand that they take corrective action and move our Modification request through the process in a timely manner. Our mortgage payments are in excess of {$5000.00} per month and every month that goes by, the fees and penalties add up in a tremendous manner. I've attached copies of the notes from every conversation that we've had with them to this Thank you for your help with this! 

You can speak with my wife XXXX XXXX XXXX. She is also on the loan.
On XX/XX/2018, I noticed there is a Bankruptcy Dismissed on my XXXX credit report. On XX/XX/18, I sent XXXX a certified letter which was received by XXXX and signed for on XX/XX/18, asking XXXX to validate this reporting. On XX/XX/2018, XXXX replied that this reporting Bankruptcy was " obtained from local, state and federal courts though a third party vendor LexisNexis ''. I have a copy of my LexisNexis report being frozen, and also a letter from the United States Bankruptcy Court stating that the United States Bankruptcy Court does not transmit or initiate conveyance of data to the credit reporting agencies. This letter further states, " The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the Original Creditor, they must remove said information from the consumers credit file. By  stating XXXX verified this information with a third party vendor is a direct violation of FCRA 623 ( a ) ( 5 ) and/or FCRA 609 ( a ) ( 1 ) ( a ).
I have sent Equifax 3 letters stating to validate and send proof of the following items : XXXX  account XXXX, XXXX XXXX account number XXXX, and XXXX XXXX XXXX account number XXXX. They have failed to due so. Each time the letters were sent certified and were received. Also they are reporting XXXX inquires that are not mine. ( my information was breached with their systems ) XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX.
The public records items below were " deleted '' from my report. The items have been added back to my report in violation of FCRA regulations. Please remove items an take the necessary steps to prevent them from returning ... 

PUBLIC FILINGS US BKPT CT IL XXXX not mine US BKPT CT IL XXXX not mine US BKPT CT IL XXXX not mine
A prepaid car rental reservation totalling XXXX  euros was made on XX/XX/XXXX via the Merchant 's website, XXXX. After the rental period, which was from XX/XX/XXXX -XX/XX/XXXX, a refund of XXXX euros was due as the total rental charges were only XXXX euros. At the time of the vehicle 's return, rental agents informed me that they were unauthorized to issue the refund being that it was a prepaid rental, therefore, a dispute/investigation was launched via XXXX XXXX ( the method of prepayment ) to obtain said refund. After four ( 4 ) disputes, XXXX XXXX  resolved the issue in my favor, as the Merchant purposely submitted erroneous invoices for the aforementioned disputes and was unable to substantiate its claims. Instead of issuing the refund of XXXX euros, the Merchant referred the matter to their internal collections department for non-payment and have engaged in a harassing dunning campaign for non-payment of a fictitious " debt '' by sending collections letters dated XX/XX/XXXX and XX/XX/XXXX The Merchant has been contacted on numerous occasions via email and telephone and has engaged in ghosting and does not respond to email or telephone inquiries. On XX/XX/XXXX, case # XXXX was opened up by the Merchant to internally investigate the matter, however the Merchant has failed to provide any outcome or resolution to said case and has failed to respond to numerous follow-up email inquiries. The most recent contact with the Merchant was via telephone ( XXXX ) XXXX onXX/XX/XXXX at XXXX in response to their latest collections letter dated XX/XX/XXXX.  After six ( 6 ) minutes with representative " XXXX '' during which the entire situation was explained, the representative put the call on hold and then hung up on the call. Three ( 3 ) callback attempts were made to reach the representative again. The expectation is that the Merchant immediately cease and desist this fraudulent dunning campaign. Failure to cease and desist will result in further legal action being taken against the Company ( XXXX XXXX XXXX ) and/or its representatives. On XX/XX/XXXX, the Merchant informed me that the falsified " debt '' had been removed from the account and that the account balance was XXXX and reinstated rental priviledges, however, the Merchant had already contacted third party collection agency, Vengroff Williams ( www.vwinc.com ) to pursue collection activities. Merchant stated they informed Vengroff Williams that the " debt '' was invalid and cleared, but has not provided documentation supporting this claim.

This complaint has also been filed with the Federal Trade Commission on XX/XX/XXXX, Case XXXX / XXXX XXXX XXXX / XXXX  Internal Investigation Case # XXXX
My name is XXXX XXXX and I have been seeking help for loss mitigation from Flagstar bank since XX/XX/XXXX( when my husband moved out ) I spoke with an agent there and they told me since my husbands name was on the loan that he would have to fill out papers with me or have my divorce decree that states me awarded the marital home XXXX XXXX XXXX XXXX, MI XXXX. My divorce was final XX/XX/XXXX. I was awarded the home and filled out another application and faxed it XX/XX/XXXX for loss mitigation at Flagstar Bank. I called mid XXXX to check on the status and they told me they never received it. I then re-submitted the application via uploading it to their website on XX/XX/XXXX Since my loan was a FHA loan I then contacted HUD agent XXXX XXXX who then became in contact with someone at Flagstars loss mitigation center. Tuesday,XX/XX/XXXXXXXX contacted me via email stating Flagstar had once again not received my new application. She then sent me another email stating she spoke with someone at Flagstar and to send them the missing documents ( XXXX XXXX award letter and Divorce decree page 10 ) by Thursday XX/XX/XXXXit would give them time to review my case. On WedXX/XX/XXXX I uploaded the XXXX XXXX award letter as well as page 10 of my divorce decree via flagstars website ( I have attached the proof of me uploading these documents ). Late XXXX I called Flagstar and they 1told me it was too close to the for sale date to review my application. Yesterday XX/XX/XXXX I called to request a log sheet of when I have called and they told me I have to have a court order to do that. So I am coming to you for help. I purchased the home for {$82000.00} and they are selling it sheriff sale for {$45000.00}. I dont understand why they cant help me reinstate my mortgage that is currently at {$78000.00} but can sell it under me for {$45000.00}. Any help is greatly appreciated. 
Thank you for any help resolving my issue, XXXX XXXX ( XXXX )
XXXX/Synchrony Bank Letter of complaint Enclosures : 1. Synchrony Bank Statements, Closing : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX. 
2. XXXX XXXX Invoice dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX # XXXX XXXX & XXXX XXXX. 
3. Synchrony Bank, Fraud Solutions Department Letter, Dated XXXX/XXXX/XXXX. 

To whom it may Concern : In XXXX of XXXX I received a statement from XXXX/Synchrony Bank with a statement close date of XXXX/XXXX/XXXX ; however this account had been closed since XXXX XXXX, and paid off in full. 

I contacted Synchrony Bank and they confirmed that the account was closed and no payment was due. 

However on XXXX/XXXX/XXXX, I received a letter from Synchrony Bank, Fraud Solutions Department stating that the amounts are due and there is an outstanding balance on my account ( see attachment # XXXX ). 

I have attached and reviewed all purchases invoices and bank statements regarding these transactions which total {$3700.00} dollars ( USD ) ; which was the amount agree to and paid. 

After my conversation with Synchrony Bank, Fraud Solutions Department ( P.O.C. XXXX ), I believe I 'm being charged some six month later for some free / Promotional art work that I received ( see attached statement XXXX/XXXX/XXXX ). Because the amount on the invoice of {$3700.00} and the amount billed of {$3700.00} are the same amounts that I paid ; the free art are shown as XXXX in the invoice price column ( XXXX, XXXX, XXXX, XXXX, & XXXX ). 

I did n't authorize these charges on an account that had been paid in full and closed for SIX ( 6 ) Months ; and if XXXX XXXX would like its free art work back I would be more than happy to send it back to them. 

However Synchrony Bank had no authority to accept a charge to an account that had been closed for six months, and I believe their action is outside the scope of a banking institution. 

I want this account zeroed XXXX XXXX XXXX out and closed, and if XXXX XXXX would like its free art work returned they can contact me and we can make arrangements for that to happen ; however that is not the business of thee banks ... and this account should have never been charged.
No attempt was made to verify the collections disputed. 
I do not recall seeing the original dispute or anything from the company that they claim contacted me. 
There was nothing done to confirm the debt which I do not owe. 
It is a medical debt that was sent to a charity organization at the hospital and paid by them. 
Trans union is lying when they say they tried to check it out, they made no attempt to remedy the issue and just stamped it as good and put it on my report. 

This is not a legal debt., The original creditor was the hospital that I was admitted to. It went ot a collections agency that did NOTHING to confirm the debt.
Inquiries were deleted and reinserted with no prior notification that this would happen ... as well as asked for written validation and source of public record and NOTHING ... this is in violation of the FCRA and violates my rights
Equifax was hacked and divulged all of my personally identifying information ( name, address, SSN, DoB, etc ... ) to a third party due to lax security practices and not keeping their software up to date ( it was reportedly a flaw in XXXX that had already been patched - XXXX XXXX XXXXXXXX ). The credit reporting bureaus MUST be a secure and steward of this information as they 're a clearinghouse for EVERYONE 'S PII.
My name is XXXX XXXX and I am writing to lodge a formal complaint against XXXX XXXX agency who is repeatedly ( numerous times in a day ) calling me regarding a debt in the amount the I dont owe. Procollect states that I owe {$8900.00} and I have an email from the apartment complex that states I owe roughly 3,700 as a  balance. There are fraudulent charges including charges for us not returning keys and drywall repairs which is totally untrue. The apartment was left in prestine condition and all we owe is for the two months rent which equal up to a little over 4,000 but minus security deposit equally around 3,700. I have repeatedly requested a complete validation of debt and have not received anything. 

Procollect is attempting to collect on an amount that is not owed, repeatedly contacting my phone harassing me for payment on a debt amount that I do not owe. 

Cease collection on an invalid date were I dont owe the amount they are attempting to collect and cease a desist collection. This has been reported to my credit report and is an attempt to collect on an amount not owed.
Nationstar Mortgage became servicer of my mortgage for XXXX XXXX XXXX. While I was doing a modification with Nationstar/Mr. Cooper ( now ) XXXX filed foreclosure had a sale etc. sold property at sale did not notify me or my attorney at that time also I was in CH XXXX/Bankruptcy. When we went to court had sale vacated, the purchaser was refunded his money and the Deed was deeded to me. That was almost 4 years ago, but this was not really a clear title. Contact with XXXX and Nationstar both denied the sale action. I have correspondence to prove it. I have tried to get status from Nationstar to know avail. Now the HOA is trying to foreclose ( dues ) put lien on property, I went to Nationstar again, this time after 4 months they admitted the mix up/wrong not in writing. Said I could stay in house until I die no payments, but if I sell would have to do a short sale, with no funds to me. I am trying to get a loan etc or sell to pay HOA but I really did n't pay because not sure of ownership but can not because of this problem, HOA O/S is about 7K but about 25K in attorney fees another issue over the limit of fees for this case. This is in Florida HOA filed.
Company refuses to remove name that isn't mine and employers that I don't recognize as well as unverified accounts that I have no idea what they are
An account was opened under my name and I believe a credit card was issued. It is reporting erroneously under my name and social. I have never applied for a card or received a card under my name from Capital One.
I deposited {$450.00} into XXXX ( This is a coinbase company ) to invest in BTC and my money was withdrawn from my bank 2 days ago on XX/XX/18. XXXX was showing pending transaction. When I checked in today to see if my money arrived yet, I was surprised with an account closure notice. No reason given. and they already have the form filled out and checked off that there is XXXX balance and no pending transactions. When I called their customer service the lady told me there was no reason listed and she could only refer me to read the terms and conditions. She then said " I will be terminating this call '' and hung up on me. Wow!!! I thought Coinbase was supposed to be one of the most trusted and secure cryptocurrency companies? Any help would be appreciated.
This company contacts me and my family members and/or friends DAILY, and often multiple times per day for various telephone numbers, regarding a debt that is possibly 7+ years old. According to FDCPA, the company and its collectors have committed the following violations : - Call repeatedly or continuously, - Use obscene, profane, or abusive language ( at least two recent occurrences ), - Call at times the collector knew or should know are inconvenient ( e.g. " back to back '' ), - Threaten action they can not or will not take ( that they will " serve me '' at my place of employment - which I welcome since I work at a law firm that will gladly sue the collector ), - Illegally inform a third party about your alleged debt, - Repeatedly call a third party to get your location information, - Fail to send a written debt validation notice ( which I have requested on numerous occasions ), - Ignore your written request to verify the debt and continue to collect, and - Continue collection attempts after receiving a cease communication notice.

Please note, the statute of limitations on debt for residents of the State of Texas is four ( 4 ) years. In Texas, this refers to oral agreements, written contracts ( car loans, installment loans ), promissory notes and open accounts ( such as credit card credit lines ).
We just started construction to rebuild our home from a tornado. The mortgage company is holding all our money paid to us by the insurance company. We have an invoice for {$46000.00} that we paid to the concrete company. The framing is almost done and we need to pay that bill along with windows and drywall. The mortgage company is taking so long to reimburse us that we ca n't move forward. We ca n't keep contractors if we ca n't pay them in a timely manor. We can not wait 10 to 15 days to get this bill paid because the contractors will move on to another job. This is the time in construction where the money is going out faster and I am not getting cooperation from the people who have my insurance money
I have a loan with GM FINANCIAL. 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 GM FINANCIAL with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX