WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX : XXXX XXXX XXXX, XXXX Account # XXXX I sent a register letter to XXXX XXXX XXXX, XXXX requesting validation of debt for their account # XXXX on XXXX/XXXX/XXXX. 
They failed to provide the information I requested. Instead, sent letter dated XXXX XXXX, XXXX requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''. They also stated that they would write to me again in XXXX in regards to my dispute. 
After not hearing from them, a second registered letter on XXXX XXXX, XXXX requesting " validation ''. Again they failed to provide the information that I had requested. Instead the sent letter dated XXXX XXXX, XXXX requesting that I provide them with " specific information that you are disputing and an explanation of the basis of your request ''. 
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.
The lender-Caliber Home Loans Inc located in XXXX Texas decided to purchase flood insurance without my permission last XX/XX/XXXX and added the premium to my mortgage. The townhouse flood insurance is already a part of my HOA and the fees are paid monthly. The lender collected additional money to pay for this double coverage for flood for almost 2K a year. I have tried to resolve this with the lender but I was passed on from one dept to another. I need the lender to drop the flood insurance and reimburse the money paid for the last 12 month. The have a copy of the HOA by-laws and indicated clearly that flood insurance is part of the HOA fees.
Transunion itself has been fairly easy to work worth over these passed few months but i am pretty sure they are reporting a debt that is over the statue of limitations. This is a debt owed from 2005 and I am sure they should not still be reporting it.
Macy 's and affiliate collection agency has called 120 times over a 20 day period.
Transunion fails to indemify identity theft accounts by placing a block on those accounts in accordance to the XXXX section XXXX XXXX XXXX XXXX
I received a letter from D & A Services dated XXXX XXXX, 2016 on XXXX XXXX stating I woes {$350.00} to them to which I have let them know via telephone calls it is not a valid debt and I am the victim of Identity Theft. The collection attempts continue, they also informed that the debt is beyond statute of limitations.
Chexsystems is wrong! 
The FCRA section 605B, says all i have to provide is a copy of " an identity theft report '' Nothing at all about dates or time frames of when the fraud occurred. Chexsystems is trying to interpret and rewrite the law, which is illegal. They have 4 business days to block the fraud, and they never do. 
I got the XXXX accounts removed from my record, Chexsystems had to block it only. I gave them the information two years ago, they broke the law for two years, and lie about it like in this reply. 
Look at their policies and see this blatant disregard for the law. Chexsystems refuses to deal with the facts and hides behind XXXX. 
I am appalled by this behavior and asked them to provide me their policies in how they treat my account, they lie to your entity, imagine how they abuse other customers. 
Sad, and illegal is how Chexsystems breaking of tbe law is classified. 
Stop them from breaking the law, have their policies follow the law. There is fraud all over my account. 
They refuse to obey the law and harm instead. 
Fraud ten years ago, that is still being committed today, only takes ONE police report, unless it was now comitted by myself. The banks never charged me, because it is NOT me. 
Chexsystems can not ASSUME that, and not obey the law. 
I will attach the law, so they see there are no provisions in this law, for how they break the law.
I am a victim of the recent Equifax data breach and identity theft. The following hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX
never applied for any of these please help XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX
I HAVE APPLIED FOR FINANCIAL ASSISTANCE DUE TO BEING LAID OFF OF WORK. I COMPLIED WITH PLANET HOME LENDINGS REQUEST FOR DOCUMENTS AND WAS INFORMED THAT MY FILE WAS DEEMED COMPLETE ON XX/XX/18, I WAS ALSO INFORMED THAT THEY ARE NOT GOING TO POSTPONE MY SALE DATE BECAUSE THEY HAVE 30 DAYS TO RENDER A DECISION WHICH WILL BY NO LATER THAN XX/XX/18. HOWEVER, IF THEY DENY ME DUE TO AN ERROR ON THEIR BEHALF I WAS INFORMED THAT WORSE CASE SCENARIO THAT I WILL BE ABLE TO APPEAL THE DECISION WITHIN 30 DAYS OF DENIAL, I ASKED THE REPRESENTATIVE THAT I SPOKE TO IN LOSS MITIGATION HOW CAN I APPEAL IF THE SALE IS IMMEDIATELY AFTER THE DECISION AND HE SAID I CANT. THIS IS NOT FAIR, I HAVE READ THE CFPB GUIDELINES AND THE MODIFICATION GUIDELINES REGARDING SALE DATES AND THEY BY LAW HAVE TO POSTPONE THE SALE DATE AND IT APPEARS PLANET HOME LENDER DOESNT CARE ABOUT THE LAW AND DOING WHAT THEY WANT.
Last week I received a call from Remex Revenue Management of XXXX XXXX XXXX XXXX N.J. XXXX. Stating that they was hired by XXXX to collect a Debt. of XXXX at that in formed that I had payed some of that. Then I. was inform they going to report this to my credit report. Then I got letter from them dated XXXX 2016 with the same. so I just payed the entire bill due to my illnesses.
My name is XXXX XXXX I have a home mortgage with Wells Fargo Mortgage. I can no longer afford to live in my home, because the mortgage in on a adjustable loan for years I will call Wells Fargo to try to get help putting my loan on a fix rate, they always take down my information, we will go through a long process, and the answer always come back as no they ca n't help me at this time. Even when I go in the bank to make my payments the banker always say you need to get a better loan this is highway robbery, you should go across the hall and speak to someone about getting a better loan, will do so the answer will come back, no they ca n't help me at this time. I also apply for making home affordable at different times, and the out come is always the same. I bought my home in 2004 it was on a fix rate, I had a realtor to approach me about changing my loan for 6 months I was not aware what adjustable loan mean. I have not been able to get on a fix rate since that. The home was purchase around XXXX, I could only make minimum payments and now the balance is around XXXX, the payments is so high, I ca n't afford to continue, the payments go up every year. I have 4 more years before I retire, and now I am looking for a place to rent. My only option is to short sale my house, because I ca n't get any help to put me on a fix rate. The house is now in the process to short sale. Could someone Please help me get to stay in my home. I have work so hard all my life, I have 34 years XXXX, and this is how it 's going to end. I fell like I ca n't help myself. Could someone please look in to this matter, and help me save my home.
HSBC promised a new checking account bonus of {$200.00}, all the required tasks I completed to receive the bonus but they are denying it because I was a HSBC credit card holder. The terms on the bonus when I opened the account said that customers who held an HSBC consumer deposit or investment account previously were not eligible but a credit card is neither of those.
This complaint is regarding the poor reward system for American Express and the terrible structure/policy that their company goes by. As a credit card consumer who have had at least XXXX credit cards from various different companies, American Express has been hands down the worst company I have ever dealt with. Even though you have met your spending requirement, they require you to pay off the balance and then wait for the next month 's closing date. Your points remain in pending status well over XXXX days during this process, even when you have fulfilled their requirement in paying off the balance and waiting for the next closing date, points are still unavailable. I have never had any credit cards where it takes 60+ days just to receive your points or miles even though you have fulfilled all the requirements. American Express is literally the WORST credit card company ever and I have nothing but bad things to rave about them. I will never recommend them to friends and family and will sure discontinue the relationship once one full year is near. Until they fix their reward system policies, I will never use them as a credit card company ever again. The inconvenience and lack of flexability in their reward system will never earn the business of experienced credit card consumers such as myself again.
There a company name XXXX  XXXX they gives someone a credit card under my name and after a long time they send me a letter said im going to collection agency after i called them many times to let them know i didnt apply for any credit card on their company they put the account under investigation and they find out its a fraud so i dont have to pay anything. 
After all this i get my credit report and i see a hard inquires from the same company thats i didnt apply for anything with them or give them the authorization to do. Everytime i called them i didnt get a resolve to my problem They effecting my credit score for something i didnt do! 
The hard inquires was on XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

And theres another company XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
I dont know what is this company are i try to call the number above and they want a account number or social security number and since i dont have a account with them i enter the social security number and it said not in file or something like thats they also do a hard inquires thats effect my credit score! 

And there is another one XXXX/XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

i dont have any account with them And also this company XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
I dont know what is this company for or what is it but i didnt apply for any credit card i only have two cards one with XXXX  XXXX  and one with XXXX thats it i dont have any other credit cards with any other companys They also do a hard inquires effecting my report I have a hard time working on my credit to build and im working so hard to make it perfect i dont know from where this companies came to my report And theres a address on my report i never live in or be there in my life i dont know from they got this address from. 

XXXX XXXX  XXXX  XXXX XXXX, MI XXXX I never live there or been there all my life! I dont know from where they got this address And theres another compay do two hard inquires in the same month XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

I dont know why this two hard inquires in my report and from where they came! 

Please i need your help with my complicated situation!
My lender Nation Star changed the locks on my house with all my belongings inside before they were legally able to take over my house due to foreclosure. They never followed the eviction process required by the state. Also it is my belief that the house was rightfully mine until XXXX XXXX. Please see attached documents in order to review foreclosure details. After contacting the bank it took over a month to be able to re enter my home. Once I got into my house I found that all my valuables were missing\stolen. When I contacted the bank to report the issue they referred me to XXXX which is their property preservation team. XXXX then instructed me to file a claim through them. In order to file a claim I had to file a police report. Once I filed the police report the officer stated he closed the investigation per XXXX direction as stated in the police report attached. After a long period of calls and emails XXXX finally got back to me stating they questioned their employees and they had not taken anything. There was nothing further they could do and I would not receive any compensation for my valuables or early eviction. I then contacted Nation Star which in turn has also stated there is nothing they can do to rectify the situation. I have lost a total of {$50000.00} in personal property due to this wrongful eviction and theft.
I 'm unable to make the large biweekly payments. I called Ace Cash while in good standing to negotiate lower payments in order to make sure the loan is being paid and to avoid default. 

I was told by the customer service representative that I would need to default on the loan in order to make payment arrangements and that my best bet would be to work with their collections department. 

They are setting borrowers up to fail by pushing them into default. I should not have to beg to pay off my debt.
Navient has been calling me for approximately the past  XXXX  months at least   XXXX   times a day starting at  XXXX  to about  XXXX .   I have tried to work out many options to repay my loan. They have told me I make too much and that I owe { XXXX } a month and they can not lower it. Then I spoke with someone else and they told me if I want lower payments I need to submit my bank statements. Then I spoke with someone else at the end of  XXXX  who said that he can get me to repay { XXXX } every  XXXX  weeks for the   XXXX   XXXX   months to catch up on the money I owe and then the payments would drop to {  XXXX  } every  XXXX  weeks. Well,   XXXX   days later navient is calling me again and telling me there is no such repayment and I owe { XXXX } a month. They told me they will take { XXXX } every  XXXX  weeks but it wo n't get me out of collections. I said that is all I can afford. I have other loans too which they want { XXXX } a  XXXX . I also have a child and a baby on the way. They told me since the baby is n't born they ca n't take into account that I have to pay for diapers formula and wipes and that the baby needs things before it 's born. They are unfairly harrassing when I am agreeing to pay { XXXX } every  XXXX  weeks but they are telling me I 'll still be in collections. Please help they need to be stopped.
XX/XX/XXXX I was contacted via email by a scammer who presented himself as an employee of XXXX XXXX XXXX.

He received my resume from XXXX and wanted me to work as his assistant and accounts receivable manager.

Once hired I received my first payment on XX/XX/XXXX and I deposited the funds. They were on hold for 2 days and once navy federal cleared them I went to the branch. At the branch before my withdrawal I asked the teller please make sure the funds have cleared all the way on the other banks end ( XXXX XXXX XXXX ). She came back after 30-40 mins and stated the check was good and cleared with the bank.

I withdraw the funds and head over to XXXX XXXX to deposit the funds into a XXXX XXXX account. I thought I was paying for my training and equipment..

2 days later I'm slapped with a {$3400.00} balance from this bad check I was told was good.

Navy federal refuses to provide me with a HOLD HARMLESS to settle the balance although I have a police report number and complaints with the FBI, XXXX XXXX, etc. I have provided them with the police number etc.

They should be protecting me. I'm a victim. I contacted the XXXX XXXX ( XXXX ) and they said their is a open investigation in the company because this guy is moving around the United States scamming people. He's been in XXXX, XXXX etc.

NAVY FEDERAL needs to help me.
I owed XXXX XXXX XXXX for a checking acct. RJM acquisitions XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ; XXXX purchase the debt and offered a reduced payback. I have been paying them for over 2 years and have a current settlement balance of {$340.00}. Recently another Debt collection Agency reported to my credit report that I owed them {$700.00} for XXXX XXXX XXXX with no acct # attached. When I tried to make my current payment as usually to RJM the website is no longer accessible. XXXX XXXX is the collection that attached a claim to my credit but In have n't received any info from them and they reported I made a payment to them in XX/XX/XXXX for the same I paid to RJM in XX/XX/XXXX. I have paid 1/2 my debt settlement to RJM. I disputed the complaint with XXXX and only received a response that they updated my account but when I reviewed XXXX XXXX was still there. I do n't have a problem paying the debt but I do n't think another debt collector should be trying to collect on a debt I 'm already paying with no contact and the amount they are charging is double of the balance left owed to RJM because I have been making the payments.
Per my TransUnion letter dated XXXX/XXXX/2015, XXXX XXXX XXXX account # XXXX was deleted off my credit file. I pulled a new credit report on XXXX/XXXX/2015 and the XXXX XXXX is still being reported by TransUnion and affecting my scores negatively. This account has been closed and paid.
In consideration of the recent announcement that the Federal Government is suing Navient we felt it important to make you aware of our situation with Navient. Currently my parents and I have XXXX student loans with Navient. The first XXXX loans are manageable ; however, the loan I received for my XXXX year is not. The first XXXX are Signature Student -Private loans and while the interest rates ( 5.250 % - 5.375 % ) on those are higher than the interest rates my brother received we feel like we at least can make some headway in paying them off. When we applied for the XXXX loan for my XXXX year we were lead to believe that the XXXX XXXX XXXX XXXX loan was the only choice we had as there had been an " overhaul '' of the private student loan industry and this type loan was the result. We are currently paying a 9.625 % interest rate. This is a much higher interest rate than any car loan or mortgage loan that I or my parents have ever paid. What other decision could we have made? This was my senior year! We have asked about loan consolidation, refinancing and even offered to pay the loan off at a reduced amount. There is absolutely no negotiating with them. Please note this is not for a small amount of money. The total borrowed originally was {$100000.00} and we currently owe {$120000.00}. We do n't quite understand those figures. We thought we negotiated to pay a monthly amount that we could manage but we do not understand how it has been applied. Also they automatically put me in deferment when I went back to school for my XXXX ; however, my parents continued to make payments but that has n't really helped either. For example a payment of {$470.00} only reduced the total owed by {$27.00}, and one month a payment of {$550.00} actually saw an increase of {$78.00} in the total owed. We just do n't understand how the interest is applied nor how the payment is applied.
I received a call today from a collection agency on behalf of Old Navy. I have never shopped at Old Navy, nor would I. I certainly did not apply for an Old Navy credit card. This is the result of some form of fraud, and if this is reporting against my credit, I will insist that all such reporting be removed as this is unfair. My name is XXXX XXXX, phone # ( XXXX ) XXXX. I have never gotten any information on this debt previously from Old Navy, just the collection agency. Apparently this debt came from 2013.
There are a few marks on my credit reporting that I do not recognize.I realized that someone is using my credit without my knowledge. When i realized this, i started to do research on how to resolve identity theft. I was advised to contact the credit bureaus and to ask them to remove the fraud information that is reporting. This is exactly what i did. I contacted XXXX, transunion and XXXX and asked them to please remove the fraud and unauthorized marks from my credit report. However they have not been helping me. I was told that the account and inquiries would be placed under dispute, but they never did. I was also told that the information would be removed from my credit report, but it never did. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account XXXX
I had an outstanding home equity loan ( HEL ) with Citibank and was about halfway through the payment cycle. However, in XXXX, I declared bankruptcy and the property that the HEL was held against was foreclosed upon by the private mortgage note holder. Since I have no other property ( real estate or personal ) that could be used as collateral, I requested that Citibank remove the lien from my credit report ; per their XXXX XXXX XXXX letter, I can request that since the property is in a foreclosed status and I have no other assets they can claim. I wrote them on XXXX XXXX, XXXX but have not heard back. I contacted the New York XXXX but CitiMortgage refuses to provide them any information.
I had a debit with XXXX however they are in the XXXX and called my all diferent times a day and night even at XXXX. they turned account over to collection company who does the same thing even calls me on sunday.
Portfolio collecting keep calling my phone. I stated to them that they must be looking for my father. Additionally, I am on the do not call list and I keep getting calls. Please help.
I have continued to call Transunion every day 2 and 3 times a day about whats going on and have even spoken to supervisors that has no clue about what to do. Most of the people i have spoken to are based in a foreign countty and there is a language barrier. I spoke to a XXXX rep today after holding for hours that stated that my account with XXXX XXXX XXXX XXXX was not supposed to be removed from my transunion credit report and didnt know why it happened. He then said a code was next to the account that he had never seen before so he attempted to transfer me to a special department and it hung up. I proceeded to call back with no luck. People are tell me that they cant replace the positive account, which was my longest line of credit, back on my report. Im devastated! Why did this happen. I never ask them to remove this account. With everything thats voing on with the equifax breach i am worried. Where is my account. They also are saying they cant put it back which is not true because they are still able to pull up the account. I need my account back on my report.