WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter on XX/XX/2018 from United Consumers , Inc. stating that I had been reported to them from XXXX XXXX XXXX XXXX ( actually XXXX XXXX XXXX, though that was not referenced in their letter ) for an amount of {$54.00} ( actual amount on every bill I knew about was {$55.00} ). The letter said that if I wished to dispute the collection, I needed to submit a written notice within 30 days. I sent a letter on XX/XX/2018 ( that is well-within 30 days ) with my written dispute, providing documentation as to why I was not responsible for the amount. I had reached my maximum out of pocket as of XX/XX/2018, which I had told XXXX XXXX XXXX on two occasions over the phone, as well as providing them with the letter on two occasions. I provided that letter, as well as my Explanation of Benefits from my insurance company where they clearly denied the claim and stated the provider ( XXXX XXXX XXXX ) was responsible for the charge. I sent it to the only address provided by United Consumers , Inc. on their letter. 

On XX/XX/2018, there was a voicemail left on my phone - no phone call, just a voicemail that bypassed any phone call - stating I needed to call XXXX about a debt. It did not say who I needed to speak to, did not reference an account number, did not reference an amount, did not provide any other information whatsoever. When I called, the person spoke too fast for me to understand his name ( he was male ), and he told me I had an outstanding bill that was due and needed to pay it. I told him I had sent my disputation letter within my 30 days, and he told me they never received it. He then proceeded to tell me the U.S Post Office is unreliable, and so I shouldn't have trusted it would have reached them. He said he would give me a fax number to fax my documents, but I was upset and demanded to know why they offered the letter as an option if they felt there was no point sending it. He refused to answer. I then demanded to know why a fax number wasn't provided from the beginning if the Post Office was deemed so unreliable, especially when they were making a requirement of a WRITTEN disputation. He refused to answer and continued to refuse to answer, before finally stating he was not going to deal with me and hanging up. I was never given the fax number, and it is most certainly not available on the paperwork provided.
I keep getting monthly statements that say the amount due is {$2000.00} every month. I modified my loan and have not missed a payment thereafter. My payments are {$360.00} per month. I call into customer service and the automated system tells me the amount due is {$360.00}. BUT I still receive monthly statements every month that say I owe {$2000.00} which is very unsettling, nerve racking, and intimidating. I am being harassed by these monthly statements that say the amount due is {$2000.00} every month. I am never able to talk to a live person because it takes so long to get through and they are only available during regular business hours.
I was not in the market for a Credit Card. However, I was seduced by a Capital One Business advertisement online offering XXXX XXXX  financing for 12 months *IF APPROVED. Given that I was about to make a significant Business purchase, and my Credit Score was XXXX, I knew I would qualify and proceeded to initiate the application. 

During the following application process, cards with slightly differing added benefits were offered, including one offering XXXX free miles if {$4500.00} was spent on the card within the first four months. Given that my purchase was to be over this amount, and likely to take place within a month, this card was selected. This appeared to be pitched as an added incentive. 

However, it now appears that this is a form of 'bait and switch '. The card I was approved for has a fixed XXXX XXXX interest rate. It is of no use to me. I did not want it. As I said, I was not shopping for a credit card in the first place. 

I contacted Capital One Customer Services after noticing this issue after having made an initial {$450.00} purchase. I was ultimately transferred to a woman in their 'De-escalation Department ' who admitted she was there to stop people in positions such as mine for getting their complaints from reaching higher tiers. 

After this phone call proved fruitless, I emailed my dissatisfaction to members of the board of Capital One. Within a few days I received a call from the 'Executive Team '  offering to work on a resolution for the situation. I believed in good faith that there was an attempt at last to rectify the situation. All I requested was that Capital One switch the account from the one I received to the one I had believed I had applied for. I was told looking into such a resolution would take several business days. I understood. 

Today, I was contacted again by the Executive Department, where their only resolution offered was to close the account. Not only did the application 'ding ' my credit score, but closing the account would damage it further. It has already dropped from XXXX to XXXX, and further impact could easily drop me from the 'Excellent ' range. 

Capital One 's Marketing Department is purposefully enticing applications for cards people don't want with misleading advertisements and following it with a purposefully confusing card selection process. They then obstruct attempts to complain. They then offer no practical attempt to rectify the situation without the consumer feeling the fill impact.
Please help!! 
I have been trying to bring my loan current for a week. Instead of accepting my money WF put a sale date ( see attached ) on my home. Im getting zero cooperation out of WF and I have the right to bring my loan current. Wells Fargo will not accept any money or send instructions to the Title company XXXX XXXX. XXXX says they need payoff instructions from WF before I can pay them and bring the loan current. But I 'm not able to get any help out of WF, they will not cooperate. They keep telling me someone will contact me but no one does, shocker!! Instead they avoid me and put a sale date on my home in 3 weeks, XXXX XXXX, 2018 In addition I 'm located right where those CA wild fires are. I believe I have the right to bring my loan current and that 's what I intend to do even if I have to file an emergency BKXXXX and ask the BK trustee to force WF to allow me to bring my loan current. 

Thank you for any assistance you can provide my contact information is below! 
XXXX XXXX XXXX XXXXXXXXXXXX
Describe what happened so we can understand the issue ... 
XX/XX/2015 I was contacted by ATG credit in reference to a Medical debt totaling XXXX for numerous accounts. I was advised that it had not reported to the Credit Bureau as of yet and in order to hold the account from further action I needed to pay the balance. I agreed to a one time payment of XXXX over the phone and advised that I would try to make a large payment the following month. On XXXX XXXX ATG withdrew XXXX out of my checking account. I called them immediately and was advised they had me on record authorizing this amount. I told them that it was untrue. They advised me they would review the recording and call back When the representative called back she advised me it was valid. I asked her directly if the recording stated I agreed to this amount or did I say that I would make arrangements for the amount. She stated I agreed to it which is a blatant lie. 

I filed a fraud complaint with my bank and the BUREAU OF CONSUMER FINANCIAL PROTECTION ( XXXX ) for the funds which were returned ... .. 

Today I received a call from XXXX for the same debt for XXXX I explained to her they have already reported to my credit bureau which she states they have not. She said they have sent numerous letters no letters have been received from ATG credit since their violation of EFTA. She demanded a payment arrangement and advised me it would be reported the following week. The previous payment arrangements were for the same hospital stay I believe they are finding a reason to contact me again by misinforming of the number of accounts/balance and I feel harassed and confused about what I actually owe. I will not give them any payment information based on the fraudulent abusive and unscrupulous actions previously. 

XXXX ATG Credit LLC said : Explanation of closure We have reviewed the account and determined that the complainant did agree to the payments but asked us to hold them until she contacted us back. The payments should not have been processed. We have placed the account on hold and as a courtesy have removed from reporting on credit. The account is still outstanding but we have pulled future payments and removed from credit. It appears the payments did not clear so the balance does remain outstanding but as a courtesy we have removed from credit for the time being.
On XX/XX/XXXX, I submitted a request to Navy Federal Credit Union, to reduce my interest rate to no more than 6 %, per the Service Member Civil Relief Act ( SCRA ). Early XXXX I received a response from Navy Federal Credit Union, and they denied my request because they do not think it applies to me. 

On XX/XX/XXXX, I discussed this matter with my legal office/counsel, and they agreed with me. They instructed me to submit a request through CFPB for resolution. If not solved, my legal office/counsel will process this case to the Department of Justice. 

Per the SCRA, 50 U.S.C. App. 501-597b1 as attached, I am eligible for this request because my loan/credit card debt have originated prior to the current period of XXXX military service. 

I got out of the XXXX XXXX on XX/XX/XXXX, and entered the XXXX XXXX on XX/XX/XXXX. The SCRA applies to me because there was a 12 days break in service. 

According to the SCRA, the term " period of military service '' means the period beginning on the date on which a servicemember enters military service and ending on the date on which the servicemember is released from military service or dies while in military service. As such, the XXXX XXXX ( XXXX ) service and XXXX XXXX ( XXXX ) service are two ( 2 ) seperate period of military services. 

Any debt prior to the period of military service ( XXXX ), must be reduced to 6 % and anything paid more than that, shall be credited back. Even though debts were incurred during the XXXX  military service, it is still considered debts incurred prior to the current period of military service ( USAF ). 

Please read the attached SCRA law for more details, and please be advised again, that my counsel ( XXXX XXXX XXXX XXXX Legal Office ) agrees with this interpretation too. As stated, if not resolved, this case will be processed through the Department of Justice.
I was called this morning, and an IVR told me that they've tried to reach me several times about a " critical issue '' pertaining to the interest rate on my credit card. I pressed 1 to find out what this was all about, because this was the first I was hearing of it. I was then transferred to an individual who started speaking in such a hushed monotone ( and quiet volume ) that I had to ask him to repeat himself. He then did, at which point he said this was a line to call about lowering my interest rate on my Visa credit card. I said no, I'm not interested, but I was wondering if there was an issue that needed to be amended because the IVR made it sound like I was not attending to an issue and that I was going to be charged with some sort of penalty. Before I could finish speaking though, the representative hung up on me! I was being courteous as well, so now I'm very confused as to whether or not I'm still in the doghouse and why the representative was so rude in hanging up one me.
THIS IS A COPY OF A LETTER MAILED TO THE CFPB ON XX/XX/2018. FILING COMPLAIT FOR SUN TRUST BANK. REFUSAL OF REQUESTING TO ASSUME LINE OF CREDIT FOR MY MOTHER 'S LINE OF CREDIT ACCOUNT. SUN TRUST HOLDS THE DEED TO MY MOTHERS PROPERTY. ON XX/XX/2018 I WAS APPROVE TO BE THE PERSONAL REPRESENTATIVE OF MY MOTHER 'S ESTATE. AFTER RECEIVING A DEFAULT LETTER I TALK TO THE PERSON WHO TOLD ME HE WAS IN CHARGE OF HER ACCOUNT. AT THAT TIME I TOLD HIM I WAS THE PR FOR MY MOTHER 'S ESTATE. I TOLD HIM THAT I HAD AN APPOINTMENT WITH XXXX XXXX XXXX AND THEY ARE .GOING TO HELP ME TO BRING THE ACCOUNT CURRENT. THE FOLLOWING WE TALKED AND I TOLD HIM THE DETAILS OF THE PROGRAM, AND TOLD HIM I NEED A COPY OF MY MOM PROMISSARY NOTE, HE SAID HE WOULD MAIL IT. WHILE THE PROCESS TO BRING THE ACCOUNT CURRENT HE OFFERED ME A DISCOUNT ON THE BALANCE OF THE XXXX OF XXXX. AT THAT TIME I ASKED IF I COULD ASSUME THE LOAN HE TOLD ME NO I ASK WHY HE SAID I WAS NOT IN HER WILL AND NOT ON THE LOAN. SUN TRUST WAS MAILING THE BILL/STATEMENT TO XXXX XXXX AT XXXX XXXX XXXX, XXXX, MD. XXXX FURTHER INFO.I WILL PROVIDE LATER.
Hello : I am writing this letter because there is a big mistake on my credit report. I am specifically asking for a legal debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA for the following account : XXXX {$1500.00} CollectionsThe collection company has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item and prevent them from re-inserting this item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to a speedy resolution of this matter. 

XXXX XXXXSSN : XXXXDOB : XXXX
On XX/XX/XXXX some one went through XXXX and used my debit # to purchase a XXXX XXXX XXXX XXXX. for the amount of {$400.00} on XXXX and it was shipped to XXXX XXXX NJ. I do n't know anyone in NJ and did not make this purchase. I contacted Chase on XX/XX/XXXX and told them i did not buy it. They said they would look into it. They credited my account for the amount but then took it out on XX/XX/XXXX. XXXX acknowledged to me on the phone that it was fraud and the IP address is unknown. I asked for something in writing but they will not send me anything, I also contacted XXXX i have had no help from them as of yet, and they told Chase that my card # was used and the item was delivered and that is what Chase is going by for their decision to pay it. I also went into my bank and talked to them, they told me it was up to XXXX and XXXX to get my money back. I do n't seam to be getting any help from any of them and i keep getting the run around. I am also having problems in getting anything in writing.
I 'm receiving calls from D2 management at XXXX out of South Carolina. I have asked for them to send a verification of debt and they refuse. They have threatened to sue me and they wont stop calling me after I gave them a verbal cease and deist. They also hang up on me immediately after my request.
I received a letter from Comdata XXXX XXXX, Comdata Inc., XXXX XXXX XXXX, XXXX, TN XXXX, www.comdata.com, XXXX, saying that Comdata is pleased to announce two new improvements to my Comdata Payroll Mastercard. Except that I do not have a payroll card, and my employer does not pay people at all through payroll cards. My check is directly deposited in my bank account every payday. I called the company at the number above included in their letter inquiring why I was receiving this letter if I did not have a payroll card and do not get paid via payroll card. They insisted my employer provided them with my name and address, and I would be receiving a payroll card. I told them I spoke with my employer and this was not the case. I again asked why I received this letter at which time they started asking me for additional personal information such as my employer, which I did not provide. I continued to inquire, and they refused to explain the situation and only repeated many times that my employer provided my name and address and I would be receiving a payroll card - which I repeatedly told them my employer said is not true. Comdata was completely unhelpful at best and directly ducking questions at worst. They ultimately hung up on me rather than trying to get the the bottom of things. I still do not understand why I received this correspondence, which is unsettling with all the credit breaches as of late. Thank you.
The credit bureau 's failure to provide me with information to prove that this is my account they have stated that they will no longer investigate my claims. I am requesting proof or remove the in accurate information
They sent me a notice in XXXX, 2015 that said that they were increasing my principal balance by {$1700.00} because the amount transferred to them was wrong. No further explanation.
There is a collection account for {$1000.00} on my Transunion credit bureau from XXXX XXXX that does not belong to me.
XXXX XXXX Gas Rebate World MasterCard states that you will " Earn XXXX % rebate on gas purchases - capped at XXXX % of your total monthly purchases '' When I inquired as to what the result would be of only purchasing gas and nothing else I was told that I would receive a XXXX % rebate. I made this inquiry two times by phone and the representative was confused and needed to speak with a supervisor to confirm the rebate features, but both times stated that I would receive XXXX % in rebates if I only purchases gas. 
I used the card to purchase only gas and received a XXXX % rebate, not XXXX %.
On XX/XX/XXXX I received a yellow card in the mail telling me to call an XXXX XXXX number immediately about a closing on a mortgage with Veritas Funding. I got the mortgage in XXXX of 2015 and it was sold to XXXX the same year. It has also been sold by XXXX to XXXX mortgage. When I called the XXXX number it had me enter a mortgage id number and the dropped my call. As a result, I called Veritas directly and was told that is looked like fraud. They had me scan the card I received and reported it through their company. I have not noticed any fraudulent charges on my credit cards and have a credit freeze on my credit bureau accounts. Veritas also verified that the XXXX number on the card is not their XXXX number. 

XXXX XXXX XXXX
I received a letter from my bank, Bank of America stating that my transactions ( XXXX charges : XXXX of {$4100.00} from XXXX on XXXX/XXXX/2016, a XXXX XXXX of {$1900.00} from XXXX on XXXX/XXXX/2016 and a XXXX of {$500.00} from XXXX on XXXX/XXXX/2016 ) are currently past the time frame to dispute ( 60 days ). Which after some research I found out that I have up to one year from the date of the statement to dispute using claims and defenses. I was charged by these companies for services that were not provided as described. I am very upset the way they are treating me as a customer and not even give me the chance to dispute those. I did a previous complain here CFPB case # XXXX to see if they would at least open and now they sent me this letter so I am asking your help to dispute under claims and defenses thank you.
I applied for the harp loan program with PNC bank made all my payments on time then all of a sudden was out program for no reason
I was with XXXX, they went under and FDIC took over, they sold it to AMS Servicing LLC and now Seneca Mortgage Servicing. I have been paying my mortgage and they have not applied my payments to the new loan modification of {$650000.00} that started XXXX/XXXX/2014. My credit show a late of 180 days since XXXX 2014. This has affected my credit. They have not submitted my mortgage interest statement for me to do my taxes. I have contacted the asset manager many times and they will not return my calls. They have not paid my back interest owed of {$10000.00} that I paid up front to start the loan modification program. {$8000.00} was the up front money. See Attachments. This stressful
Ocwen Loan Servicing , LLC began requesting proof of Homeowners Hazard insurance on XX/XX/XXXX. I was asked to provide a copy of the current XXXX on the property. That information was faxed to Ocwen on XXXX separate occasions. I also provided the same aforementioned copy by certified mail. On XX/XX/XXXX, I received the same request for evidence of insurance and I re-sent this information by certified mail on XX/XX/XXXX. On XX/XX/XXXX I received yet another request for the same information. 
I contacted legal representation and they sent a letter to Ocwen dated XX/XX/XXXX, stating that I had adequate insurance. They were requested to discontinue mailing proof of insurance requests and informed they did not have legitimate standing to place insurance on my home. 
In spite of my continued efforts to verify and provide proof of insurance for my condo unit to Ocwen, on XX/XX/XXXX ; I received correspondence from Ocwen stating that they had force placed insurance on my condo unit. I contacted my XXXX agent XXXX XXXX and he contacted Ocwen on my behalf and provided evidence of insurance. I received another letter from Ocwen stating the information was not valid. The agent stated they needed proof of insurance coverage from XXXX to XX/XX/XXXX. He contacted XXXX while I was on the line and said that my records would be appropriately updated. I received yet another letter stated XX/XX/XXXX stating that the information that I provided does not provide evidence of acceptable hazard insurance for my property. It further states that if evidence of acceptable insurance is not received, my home will continue to be in a deficient status and I will be billed for any insurance purchased on my behalf.
on XXXX XXXX XXXX i informed Equifax that an Account they are reporting by Credit Factor Account Info Overview Reference Number XXXX Date Filed Reported on XXXX XXXX, XXXX i informed Equifax that this account was past the XXXX of limitations they responded on XXXX XXXX this was their response " Wa have reviewed* the Lien Information. Case ID - XXXX & XXXX the results are : We have verifed that this public record item is reporting correcty " on my letter i to Equifax i did not dispute that this account is mine but that under federal Law this account is way past the statue of limitations and should no longer be showing in my credit report. 
Equifax has FAILD misserably to protect My personal Information and millions of other Consumers personal Information Now they are showing Disregard to follow the law and not responding to my request to remove this item from my credit report as it isrequire by law Accordingly