WillisBack/dataset-financial-user-claim huggingface dataset:
On   XXXX   XXXX   XXXX  ,  XXXX  Validation of Debt letters were sent to  Commonwealth Finance (  Amounts : {$1600.00}, {$150.00}, {$150.00} ) for a medical bill that I did not recognize from the  XXXX ,  XXXX  and  XXXX  of  XXXX . I requested validation after speaking to them on   XXXX   XXXX   at  XXXX  pm for  XXXX  minutes,  XXXX  seconds. During this call I requested validation of this debt due to not knowing anything about this debt. I simply requested a bill, itemized list or an invoice so I could verify if this debt belonged to me. I was told over the phone that they did not have any of that information, only a file from   XXXX   XXXX   XXXX  . This entire call was recorded by them and myself and notification was given that the call was being recorded by both parties. I asked for that file and they refused to acknowledge that it will be sent. They placed my account in dispute status and re-reported the  3  debts to the credit bureaus. I also filed a dispute with I sent a " Failure To Validate '' letter on   XXXX   XXXX   XXXX   due to  Commonwealth Financial  failure to send me previously requested validations of these debts. Another Validation of Debt letter was sent on    XXXX   XXXX   XXXX    regarding the other  two  amounts. During this entire time,  Commonwealth Financial  has still refused to send me any validation of these debts and according to  XXXX , is still claiming that these debts are mine.
I am a victim of identity theft. I previously created a complaint against Goldman Sach 's bank. After communicating with XXXX XXXX at the Consumer Financial Protection Bureau again today over the phone I was told to create a new complaint. After I became aware that I was a victim of identity theft I notified the creditors that had opened accounts online fraudulently in my name. The only financial institution that has not removed the fraudulent accounts from my credit profile is XXXX by Goldman Sachs. After putting in writing through the CFPB portal that I want to only communicate in writing Goldman Sach 's did not honor my request and called me on my parent 's phone number. I was instructed to file a complaint with the FCC for the phone harassment which I have now done as well. Goldman Sach 's sent me a packet to fill out and requested that I mail it back to them. I will not be mailing it, however I will upload it to this portal so that their actions may be monitored by a federal consumer advocacy group since they have proven to be such predatory and unscrupulous bankers in their attempts to harass me about a loan I did not request, receive or benefit from in any way. I have attached the filled out packet to this portal. I previously provided Goldman with proof that I did not even reside at the address they have on the loan documents. The proof I provided was a signed executed lease agreement at my current residence.
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX : Kohls account late charge explanation and rebuttal Account # : XXXX To whom it may concern, I rarely use my Kohls card. When I do its for small purchases. This one was a shirt for XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I got the email on my statement. On XX/XX/XXXX, before I made a payment, I went in and edited my bank account information. 

I changed the account number, and clicked submit, then went in and made a payment. 


I never received an email that this payment failed. 


I was confused when on, I received another email that I had a balance, which had doubled ( which I shouldnt since I paid it ), So once again, I went in, updated my bank information, clicked submit on the edit, and made the payment. 


I logged in and checked on XX/XX/XXXX and it says you have a balance of {$0.00}. This was when I realized this takes a week to update the balance after a failed payment. I immediately called Kohls, ( the balance still said {$0.00} ), filed a complaint, and asked for a credit for my fees. ( I received no email on this nor confirmation number on my complaint, but when I called again, they had it on their record ) On XX/XX/XXXX, I did the same thing again. I logged in, changed my account, clicked submit, and made the payment. Immediately after, I called, and asked them to run my debit card to make the payment since It was going to tell me {$0.00}, and I would be charged more fees. ( see second payment on XX/XX/XXXX ). 

The bottom line is, their edit feature on their page is faulty, and because of that, my credit score dropped over XXXX points. As you can tell from my history, this is not a normal occurrence. I would like to be credited all the fees, and the late payments removed from my credit report. I would really love to close this card, but I do believe it would cause much trouble with my credit score at the moment. 

I've attached a detailed document with screenshots for the incident as well.
The credit report is showing my credit card debt as being very high, I have paid most of the credit cards off now over a month ago. I need my credit score to be shown accurately.
To whom it may concern, I recently opened an account with Chase bank and I had some unauthorized charges post on my account from XXXX XXXX and XXXX XXXX. As a courtesy Chase called me to verify the charges, which I of course said they were unauthorized, then Chase agreed to give me a refund in the meantime while they handled the dispute with the merchants and would send me a new debit card to ensure no further unauthorized charges. All while this is going on, I supposed the " back office '' of Chase reviewed my account and decided that they no longer would be doing business with me, and chose to close the account. I never received notice of this decision. When I received my new card in the mail, it did n't work and I called in to customer service and was informed of my account being closed. I was never given the reason why, but I told the representative that this would n't work because I had direct deposit coming from my employer that was too late to change. Either way, the closure was n't scheduled for another XXXX business days ( the XXXX business day was today ) so my direct deposit went through just fine. On XXXX XXXX, I went to a Chase branch to withdraw my remaining funds before my account closed and I found out that the Loss Prevention Department put a restriction on my account until the claim disputes I filed were finalized, I would not have access to over {$400.00} dollars until then. When I spoke to the Claims Department they have an estimated time of completion of XXXX XXXX ( the maximum of XXXX days mandated by XXXX ), and because there were restrictions set on my account the Claims department would thoroughly investigate the dispute up to the maximum date. Basically saying, they would hold my money until XXXX XXXX, even though I am able to submit proof that XXXX returned the payment. When I explained the inconvenience, and that I needed the money to pay bills and get to and from work, the representative just apologized, reiterated the policy, and I 'd have to wait until the claim was finalized. 

My issue is all this time Chase knew that they were closing my account but I was still doing transactions at the branches and the tellers/bankers there did not inform me of this decision. Had I not gone into the bank on XXXX XXXX to withdraw all my funds, I would have no idea the restrictions set and Chase 's intent to " freeze '' my account, in fact, XXXX representative told me I was sent a letter with all that information. 

My issue is that I find all of this to be very underhanded and shady, why would you send me a letter informing me that my account was closing and I would have restrictions on that account, when everything else with Chase is communicated via email and text? Also, the representatives have absolutely no compassion for my issue, or any sense of urgency when I call in and explain that I need my funds to get to work. And the XXXX departments ( Claims and Loss Prevention ), send me back and forth constantly and talk me in circles. If I call Claims, they tell me LP is the department that can help me, then I talk to LP and they try to transfer me back to claims.
I paid-off my installment loan on  XXXX / XXXX / 17 .  Prosper  does not want to give me a pay-off statement. Please help me. Thanks  Loan  #  XXXX
On XXXXI got a call from XXXX XXXX XXXX XXXX a man namedXXXX XXXX XXXX This was in reference of a motorcylce i had finance by Harley Davidson Credit. XXXX XXXX first failed to read me my mini miranda rights. Second he was still demanding payment after I told him not to call anymore. He keep asking me that he can help me but never told me how. 
Original I had notified Harley Davison Credit of my situation and NOT to attempt to communicate with me or my family or place of employment about this matter. If unable to settle this all the amount due will be the ten times the amount in a civil, state or federal Law Suit. Please advice me is I should take this matter to a higher legal level. 
Thank youXXXX XXXX XXXX XXXX XXXX, Texas XXXX
Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department XXXX XXXX XXXX XXXX TX XXXX RE : XXXX XXXX XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on X/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
I was shocked when I reviewed my credit report this morning and found late payment on the dates below :XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements, which might of been applied to the wrong card as I have 2 of them. I specifically got this card to start building my credit systematically. My only thought is that my monthly statement did not get to me for the correct card.
I have several hard inquires that were not authorized by myself. XXXX are from a fraudulent XXXX XXXX Credit Card that was opened in my name. XXXX XXXX canceled the card and reported it to the XXXX credit bureaus and this was removed from my credit report except for the hard inquires with Equifax. Equifax refuses to remove the hard inquires. I also have a hard inquiry from XXXX XXXX XXXX, and XXXX from XXXX, neither of which were authorized by myself at any time. The hard inquires that I have on XXXX are accurate and correct, but Equifax refuses to hear and act.
I have a XXXX 's XXXX credit account which is delinquent and was recently sold to a third party collection agency - Atlantic Credit. I received a letter in the mail regarding the outstanding balance but I have received no less than 5 calls per day since the beginning of XX/XX/XXXX. Not only do they call from their toll free number, I have received calls from a XXXX number in XXXX, VA as well as from a Restricted line. They do not leave messages from any of these numbers. On XX/XX/XXXX, I accepted a call from the restricted line to inquire who was actually calling. Atlantic Credit informed me they were trying to contact me before they had a local attorney take over the account.Upon speaking with XXXX XXXX and her supervisor, XXXX, I informed them both of my reason for the delinquency as well as expressed an intent to work out a payment arrangement. I also informed them both that I was at work and would not be able to accept calls during business hours and would have to call them from home during non business hours. On the morning of XX/XX/XXXX at XXXX, I received another call from the Restricted number but again they did not leave a message. I am interested in discussing a payment arrangement but I am not interested in receiving multiple calls from multiple numbers nor am I interested in feeling as if I 'm being harassed with threats of legal action or sarcastic comments regarding my intent to pay.
Spent 2 years harassing me over a debt fraudulently reported by XXXX. Well over 100 calls and three separate disputes
Received an unsolicited Capital One XXXX credit card bu overnight mail. The cover letter states that the card is activated. I do not want this card and demand that it be immediately " unactivated '' and cancelled.
This is a second complaint about Bank of America 's business practices, designed as they claim " to protect me, my account, and themselves ''. XXXX deposits totaling {$4000.00} were placed on a 10-day hold, {$2000.00} on XXXX and {$2000.00} on XXXX. These holds have resulted in a returned payment to XXXX XXXX, and has caused my credit card account to be suspended until the payment goes through, which means that I am unable to use my primary credit card. I have also been charged a fee by Bank of America in association with the returned payment. 

I 've been on the phone with Bank of America 4 times today totaling 2 hours. All reps I 've spoken to say that nothing can be done about these holds since they ca n't verify the funds with the other bank. I know this to be false because I 've dealt with this exact issue multiple times before with Bank of America, and on each previous occasion holds have been released. The payer has verified that funds have cleared from his account. Another deposit from the same payer, with a check from the same account, made after these XXXX deposits, has already posted to my account. Reps have insisted that removing the hold is impossible, and have refused to escalate my issue to a higher department, claiming that there is nobody else that they can escalate this to. I know this to be false as well ; when I dealt with this issue in XXXX 2015 I had been in touch with an individual in executive management, whose phone number was given to me and who called me back after I had left a voicemail. 

I have been lied to and stonewalled, and Bank of America 's actions are causing me financial hardship.
On XX/XX/XXXX I was declined for credit by XXXX XXXX XXXX XXXX as a result of a pull from " Trans Union ''. On XX/XX/XXXX I requested my report from trans union via snail mail but received no reply. I re-mailed the letter again on XX/XX/XXXX and have n't received a response yet. It is unfortunate that unless the CFPB intervene trans union will not comply with regulations.
I have fat along with naviant at XXXX XXXX since XX/XX/XXXX at which day failed to provide me with information on the income based repayment program as well as Ombudsman group advise them to remove all credit reporting on payment history prior to my bankruptcy on XX/XX/XXXX and they still after 2 years of complaints have failed to do so which is causing a negative effect on my credit bureau as well as fifteen years now in late fees repayment for XXXX 's deferment they never once advised me of the option of income based repayment program which makes my account balance a XXXX amount owed every month due to the fact of being a single mom of XXXX children. So I want to file an official complaint against baby and in regards to never vitamin all information which could have assisted in repayment options for the last 15 years as well as increase balances of {$5000.00} in the last 15 years as well as late fees and they refused to advise me of the information in regards to trying to include myself in the mass litigation against XXXX
I have filed complaints with XXXX XXXX XXXX and XXXX against Navy Federal Credit Union regarding numerous misapplied payments and payments taken from the wrong account than what was given to the member service representatives. I tried to file another complaint with XXXX XXXX XXXX however they close it as a duplicate complaint even though it is not just a duplicate complaint it is an ongoing and reoccurring issue with XXXX. I would like someone else to address my issues. They are reporting incorrect information to the 3 major Credit Bureaus after I was told by their legal department that I did n't have to make a payment until the complaints were finished however that too was a lie on XXXX behalf. Access # with NFCU XXXX. After Numerous attempts to get the incorrect reporting resolved on all three credit reports XXXX XXXX does nothing to fix these issues just closes the dispute saying the information is correct. Their legal department advised me not to make a payment while prior investigations we going on however XXXX XXXX said that they do n't record calls in that department for legal reasons and that they have no record of say such XXXX XXXX XXXX was the party spoken to XXXX. They probably do n't record them to cover up their corruption. All three credit cards with XXXX XXXX need to have their slate wiped clean for all the misapplied payments and errors that XXXX XXXX has created. They also tried withdrawing funds from the wrong account to clear the negative amount on my checking account now they froze the account to where I ca n't do anything online even view statements or make payments on existing credit cards. I can only due that over the phone in which they charge me fees to do.
Complaint filed on XX/XX/XXXX with company - they continue to send me collection letters. The original debt was {$280.00}. You do not pay more for debt when you purchase it. Being in the default industry you buy debt for pennies on the dollar. This company is stating I owe them 5x times the amount of the original amount. 

The original creditor was XXXX XXXX XXXX. The collection agency assigned to this debt was XXXX XXXX XXXX ( XXXX ) account # XXXX. XXXX sold this collection account on XX/XX/XXXX ( approximately ) to XXXX XXXX XXXX XXXX, XXXX ( account number XXXX XXXX ) and the amount of {$1500.00}. I am confused. 

Former complaint number : XXXX Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
I applied to  TD Bank N/A o n or about    XXXX   XXXX   XXXX   for th eir   XXXX   XXXX   XXXX   XXXX   XXXX  since I have an   XXXX   XXXX   accounts. Attempted to contact them several times between  XXXX   XXXX  and    XXXX   XXXX   XXXX  . I  was able to get an recording that my application was denied. A few times I tried to reach an representative I was disconnected. I still as of toda y,   XXXX   XXXX   XXXX   h ave not received an official letter stating I was declined and as to why I was denied. This is a major violation of banking rules and regulations. I have an right as an consumer to know why I was denied. As an result of this I will be filing an BBB and Attorney General complaints as well! I have an right to legally know and receive an letter! My address is still the same as listed on the application and listed in this complaint!
1. I received from XXXX XXXX XXXX XXXX ( who is the servicer for XXXX the investor of the loan on my house ) " Trial Period Plan Notice '' for loan modification on my home ( Homestead ) See exhibit " A ''. I made the first two months payments on time to XXXX XXXX. 
2. On XXXX XXXX, XXXX and approval letter from XXXX for the loan modification with set terms sent to XXXX XXXX and copy was sent to me by XXXX XXXX ( see exhibit " B '' ). 
3. On XXXX XXXX, XXXX I received letter from XXXX XXXX stating that " XXXX '' the investor of my home loan has changed the servicer of my loan to " Caliber Home Loans '' and stated in paragraph XXXX other things : " Rest assured, this does not affect any terms or conditions of your mortgage '' ( See exhibit " C '' ), and advised me to continue making the payments to " Caliber Home Loans '', I made my third month of the trial period on time to " Caliber Home Loans '' and expected Caliber Home Loans to complete the loan modification on my house. 
4. Caliber Home Loans changed the terms of the loan modification which was approved by " XXXX '' to Unfavorable Terms. See exhibit " D ''. 
5. The Home Owner rejected Caliber Hom Loans the new terms because of the deviation from the approved and committed terms of XXXX and was assured by XXXX XXXX there will be no change to the terms or condition of my approved loan modification. See exhibit " E '' and urged Caliber Home to stick to the approved terms. 
6. Home owner received letter from Caliber Home Loans dated XXXX XXXX, XXXX that the loan is deliquent of {$59000.00}. See exhibit " F ''. HOME OWNER WOULD LIKE TO CONFIRMS THAT THE SAME MONTHLY PAYMENT CONTINUED TO BE MADE CURENT AS OF TODAY 'S DATE. 
7. The Home Owner filed FRAUD MORTGAGE complaint to the State of Nevada Office of the Attorney General on XXXX XXXX, XXXX. See exhibit " G '' 7. Home Owner forwarded to Caliber Home Loans copy of the filed complaint with Attorney General and urged Caliber Home Loans to honor the committed and approved loan modification terms.See exhibit " H ''. 
8. Home Owner received mail from Caliber Home Loans dated XXXX XXXX, XXXX denying the loan modification. See exhibit " I ''
Was forced into forbearance when they would not let us lower our monthly costs and made it impossible for us to enroll in payments based on our income, therefore racking up more interest on payments we were unable to make in the first place.
XXXX quit providing channels I subscribed to therefore breaking our contract. I called to cancel our contract and later returned all equipment. I cancelled 2 days into a billing cycle which I offered to pay if sent an appropriate bill. The only bills I received were in excess of {$200.00} which I did not pay. I do n't feel I should pay {$270.00} for two days service.