WillisBack/dataset-financial-user-claim huggingface dataset:
I received a notice from Afni asking me to pay a specific amount of XXXX to settle a debt on a 'discount '. Although I was laid off, in an attempt to stope them from sending more letter to my neighbor I sent a check for exactly XXXX by the date they asked. Now I 'm being asked for over {$100.00} more which was never disclosed to me in writing. I attempted to settle the debt on their terms and they are not honoring it. Now I 'm receiving more letters asking me for more money under the same pretense of settling my debt at a 'discount '. I 'm trying to do the right thing by paying what I thought would settle this debt. I am unemployed and I need every penny I have. I do not appreciate them asking for more and more money than they asked for in the first place. They are also sending mail to my neighbor who has been upset with me.
On XX/XX/XXXX I settled in full an account with Diversified for the XXXX XXXX XXXX collection # XXXX.Attached you will see a letter confirming this. Recently I was alerted by my mortgage company that I have a new collection from Diversified opened in XX/XX/XXXX for XXXX XXXX XXXX for almost the exact same amount. In reviewing the report, it appears the last date of activity on the first collection was in XX/XX/XXXX and then the new one was opened in XX/XX/XXXX as well.I do not understand why they opened a new collection account for a collection that was just paid.
For years, Experian has been reporting a false account on my credit report causing my score to drop tremendously. Account : XXXX XXXX XXXX XXXX has been reporting since XX/XX/XXXX in the amount of {$210.00}. I've disputed this account numerous of times with no luck getting it removed. On XX/XX/XXXX, I sent a certified letter to Experian asking them to provide me with verifiable proof ( an original consumer contract with my signature on it ) that is on file. By law, under the FCRA Section 609 ( a ) ( 1 )  ( A ) it is required that the credit bureaus provide a physical verification of the original signed consumer contract and any and all accounts posted on a credit report. Otherwise, anyone paying for reporting services can easily fax, mail, or email a fraudulent account. By, law unverified accounts must be removed.
I have contacted the creditor multiple times asking for debt validation in which they ca n't provide I even have recorded conversations that they have said they can not verify the collection I just want this debt off all 3 credit bureaus
I took out a small business loan with XXXX XXXX XXXX in New York but I practice XXXX in XXXX Texas. We got hit by major hurricane and lost my XXXX for a month. I was unable to pay XXXX so they sold by debt to XXXX XXXX. XXXX XXXX garnished all the insurance checks owed to me for my services starting XX/XX/XXXX and continue to have them garnished. I have never be served papers or had a legal judgement against me. The have received more money than what was owed to XXXX, but state they have not received anything even though XXXX has told me they have mailed them the checks.
XX/XX/XXXX Dear CFPB, XX/XX/XXXX, I took a few loans out to cover the cost of my 1st two years of college. The loans were ( XXXX ) Direct Loan - Subsidized, Direct Loan - Unsubsidized, and a Stafford - Unsubsidized. We were told these were all a fixed interest rate. However, it seems that they have increased throughout the years. We originally took out {$13000.00} ; this will exceed well over {$18000.00} by my paid-ff completion date. Next, I had another issue XX/XX/XXXX with Navient regarding a deferment. I took 1 semester off of college, which is perfectly fine to do as long as it does n't exceed that time. During this grace period, I received letters from Navient ( XXXX XXXX ) saying that I have to start paying back my loans. I called and told them that I am just taking a semester off and that I will be returning the following semester ( Which i did ). I was assured that everything would be taken care of, to disregard the incoming bills, and that this would not effect my credit in anyway. In the end, nothing was handled, and it was turned into my credit as a default. This hurt my credit tremendously and I 've been battling to get it up ever since. Naivent did not provide the correct information to my credit reporting company therefore my credit suffered, ultimately costing me thousands of dollars throughout the years. I believe I will be getting a lawyer to help with this issue and help retro pay me for any inconvenience I 've had to experience throughout the years I 've had to deal with Navient. 

Thanks XXXX
On  XXXX   XXXX  I went to Check into Cash for a flex loan. Everything was approved until they found a debt from  XXXX  that has not been paid. I filed Chapter  XXXX   Bankruptcy and this debt was discharged in  XXXX   XXXX . They then directed me to the collections department in an attempt to colle ct discharged debt. The next day they confirmed my Chapter XXXX  But still refused to grant me the loan based on the fact of the discharged debt. They denied me credit once already approved based on the old debt and attempted to.collect.the debt even though it was discharged in my bankr uptcy.
I sent dispute letters to Transunion on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX certified mail. I have not heard from them. I have not received any of the documents I have requested to verify the information that is on my credit report. There are a number of inaccuracies that are on there. The same dispute letter was sent to XXXX  and all accounts that were disputed were removed.
Allegedly, my account ending with XXXX ( Business Gold Rewards Card ) was SHUT DOWN for not complying with the offer terms. 

1.Here is the shocker : there were no offers or promotional terms attached to this account as this has been verified by several account managers. Moreover, the account was not actively linked to any other cards at that time. So the linkage and pattern theory is flawed as explained by reps. 

2. American Express has one of the strictest policies for sign-up bonuses that cap one per card per lifetime. I have already received the sign up bonus in the past for this product and this offer would not have been added as you insinuated. Your reasoning in this case is illogical and flawed, too. I strongly suggest that you get familiar with your policies.
I opened 360 Money Market account from Capital One on XX/XX/XXXX through the following promotion by Capital One https : //www.capitalone.com/XXXX/ And in case they decide to change terms or delete above link to avoid fulfilling the promotion, here 's the archived link https : XXXXhttps :  XXXX/www.capitalone.comXXXX And here 's the promotion terms from the above link " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. '' I opened my account with XXXX promotional code, deposited {$50000.00} in total from another bank which made me eligible for the {$500.00} bonus and till today I still did not receive the XXXX $ bonus. 

I've attached the transaction statements from my account
Upon reviewing my credit report, I notice XXXX XXXX XXXX, who claimed I owe {$29000.00}, and reported that a charged off / " Paid, Closed {$29000.00} written off, '' comment. I have never own a XXXX vehicle or purchased a vehicle from any XXXX dealerships. I have requested on several occasions to remove this item from my credit report or place it in Dispute status, they refuse to response back. I am requesting that all negative responses be remove and updated immediately, including comments like these : " derogatory, Charged off as bad debt, etc. '' I am also requesting validation, made pursuant the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. along with the corresponding local laws. Please note that I am requesting " validation, '' that is competent evidence bearing my signature, showing that I have ( or even had ) some contractual obligation to pay. Please also be aware that the negative mark found on my credit reports from your company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. Pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 10 days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of XXXX XXXX in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Desired Resolution / Outcome : Failure to respond within 10 days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15000.00} in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Also, that all derogatory and negative marks / responses be remove and updated immediately.
I am being abused and harassed by a debt collector from over 10 ( ten ) years ago! A judgement was entered against me in XX/XX/XXXX for a credit card debt that they bought from another company. The name of the current debt collector company is Hiday & Ricke , P.A . located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The phone number is ( XXXX ) XXXX. The website is https : //hidayricke.com. The CEO is Attorney XXXX XXXX XXXX I sent them a letter dated XX/XX/XXXX offering to settle the debt for {$500.00} after I was sent a subpoena in XX/XX/XXXX to appear for deposition on XX/XX/XXXX. The debt collector sent me a letter back dated XX/XX/XXXX offering to settle the debt for {$1000.00} and to also send me a satisfaction on judgment. Unfortunately I did not have this amount at the time. In XX/XX/XXXX twenty-five ( 25 % ) of my wages were garnished without warning. As of today XX/XX/XXXX a total of {$5500.00} has been garnished from my wages. This debt collector refuses to settle the debt and instead wants me to pay them a grand total of {$15000.00}. If they were willing to settle the debt two years ago then why cant they make the same offer? My last communication with them was XX/XX/XXXX where I mailed a letter to the CEO of the company as well as sent to him on XX/XX/XXXX. He expects me to satisfy the full debt amount. You will see in my attachments how this is unfair and deceptive business practice on their part without mercy and regard for the consumer and my stressful condition!
XXXX XXXX send me to collection. I have a contract with them for 2 bottle of 5 gallons very two week. They send me a bill for delivery of 5 bottle that I never receive. I ask for document of delivery with my signature but they never provide it to me. The amount was {$140.00} Opened XXXX XXXX, 2016. 
Name of collection company XXXX phone number ( XXXX ) XXXX.
I submitted for assistance for a HAMP modification about while I was with XXXX, XXXX XXXX XXXX and now Carrington Mortgage. After many years I finally received an FHA Modification in XX/XX/XXXX. The payment was still high. I was advised that I could appeal which I did, and then after I requested the appeal I was advised that I had to reapply, this was in XX/XX/XXXX. I thought that perhaps I would be able to make a payment, but it truly was going to be a hardship, so I began submitting documents as of XXXX XXXX, XXXX. I sent all of the documents as per the checklist, RMA, TAX returns XXXX and XXXX, XXXX, paystubs, bank statements, Interspousal Transfer, etc. Then when my representative called she was advised that we needed to fill out a new XXXX and check off a little box near my signature. Now today, XXXX from Carrington Mortgage advised that they had received all of my documents but that I needed the documents from XXXX, my ex-wife, when all along I advised that we were separated. Now I am told that I also need an assumption letter ; that I need to fill out a form to have XXXX sign as well to a research center for the bank, and that I would receive the documents so that I could assume the loan. My representative asked the Carrington representative why we were not advised back in XX/XX/XXXX if this new item was added to the list of documents. ( Please see the checklist attached-no where in the list does this requirement appear ). She apologized and continued by adding that FHA can only postpone a trustee sale if documents are completed within 37 days. I now have a Trustee Sale on XXXX XXXX. I waited over 5 years for a modification only to lose my home as a result of faulty information I am receiving. I was not given accurate information by the Carrington representatives. I am told that I can stop the sale by XXXX of XXXX actions : File Bankruptcy, Pay the arrears plus attorneys fees, or be in a disaster area. It seems that the representatives time after time, gave us piece mail information. I am at the risk of losing my home because I was not given the proper information. It seems the banks are doing this to have the homeowners give up. I need the assistance of the CFPB to assist. I feel the representatives at the bank were negligent in advising what really were the proper documents. I am not even given the opportunity of time to have the review nor sell he property via HAFA short sale. Please help me and my family not lose our home via foreclosure.
On XXXX XXXX, 2016 First National Collection contacted my husband regarding a debt that they are saying that I owe from XXXX. My husband informed them that he had no idea what they were talking about and asked how they got his phone number. He called me to find out what was going on and so then I called them. When i asked them for proof of debt they did not have anything, when I asked simply for something that shows that I actually owe this they could not provide anything other than a bill from them that says I owe money to some online university. They have asked me to send them a letter requesting proof of debt. I feel it is very unfair that I should have to prove to them that I do n't owe anything .... they should have to prove that I do owe something, Its highly unethical for a company to call and harass me about something they are saying that I owe when they have no way to prove or even validate that I do owe them anything.
Around XX/XX/XXXX, I filed a dispute with both XXXX and XXXX regarding account XXXX ( collector ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX CA, XXXX, ( XXXX ), amount has increased from {$370.00} to {$460.00}. The original owner company is XXXX XXXX XXXX XXXX. According to GA Law O.C.GA 10-4-213, the original owner company failed to notify occupant in writing of itemized list and sum due, which forfeited occupant 15 days of right to recover. Further, the original owner company failed to notify occupant of sale or disposal of items. I am the occupant and this is regarding my items in a storage unit. The account was placed on my credit report around XX/XX/XXXX and should not have been because original owner company did not comply with the GA law and I do not know how the last balance increased to {$370.00}.
On XX/XX/XXXX I signed up for a {$200.00} reward through Regions for opening a new checking account. I could not open the account online and therefore had to go into a branch. On XX/XX/XXXX, I met with XXXX XXXX XXXX to open the account. I provided her a copy of the email and she opened the account. I recall her making a comment about the email having to match the offer. 

On XX/XX/XXXX I received an alert email from Regions that a change to my email address or telephone number occurred- this was the exact same day the new account was opened. 

I met all of the qualifications for receiving the {$200.00} as of XX/XX/XXXX. On XX/XX/XXXX I asked about the reward. I was told it could take up to 120 days. I continued asking about this reward until XX/XX/XXXX. I asked several different Regions representatives in person ( see business cards ) and by telephone. I had other issues with the account so each time I discussed the other issues, Id also ask about the Reward. All of these representatives stated that I had to continue waiting, that I would receive the reward, but that it could take the full 120 days. Even XXXX XXXX in XXXX told me this keep waiting, you will receive it. 

On XX/XX/XXXX however, XXXX XXXX wrote me an email stating that not only was Regions Bank not going to process nor approve my disputed claim regarding a charge for {$330.00}, the Bank also would not be honoring the {$200.00} Reward. He stated this was because the email address I registered with was changed before the incentive payout happened and thatthe terms stated the customer email address must remain unchanged until payout. ( see his emails ) I advised XXXX that I did not change the email address. In fact, the person who opened the account on XX/XX/XXXX would be responsible for the email address information matching-XXXX XXXX XXXX. Ironically I mentioned to XXXX the final time I was in the XXXX branch that I wanted to meet with XXXX but she ran out the back door and in fact every time I came into that branch, she refused to help me. 

In my short time with Regions Bank, they have refused to file and honor my claim dispute for {$330.00} and NOW they are rescinding their words, their offer for the {$200.00} Reward.
Contacted legal aid and took steps advised for a debt that is not valid and in violation of fair credit act. Sent certified letter asking to please remove the debt as was not valid and requested 30 days to do so. Contacted CBC, Inc.in XXXX, montana and was told that I was refusing to pay the debt so they would mark it as so and hung up on me. 
Contacted legal aid afterwards and was directed to file complaint with your agency as well.
Apparently XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania has repeatedly phoned my friend 's house demanding to speak to me about a debt. My friend has already told them I do not live there and asked them to stop phoning. NCB staff are phoning my friend every single day. When my friend picked up the phone yesterday, the caller was completely silent. This appears to me to be deliberate harassment.
Its the policy of my bank, Wells Fargo not to cash checks made out to anyone if its more than 30 days old, my understanding is that require the person, or company to get another check issued if its more than 30 days old. Wells Fargo cashed a check to the city of XXXX for XXXX, on XX/XX/2016 for check dated XX/XX/2016, which cause my account to be overdrawn, because the replacement check was cash on the same day. City of XXXX claim they did not receive first check for XXXX, so I sent them another one for same amount. { # XXXX } I called Well Fargo [ XX/XX/2016 } to inquire about the reason they cash check XXXX, since it was 30 days old, The representative stated that it was their policy, but that the city was at fault for holding check so long, and that there nothing they could do. 
My question is, why have the policy if you do not follow it?
I am in the mortgage business and do things the right way. I hate those that play gimmicks and games with people. But this is another time when Quicken doing things that not only appear shady and unethical but against the code. Attaching a few pieces need to get explored. How are they taking from XXXX and posting that as a credit when there is nothing anywhere to suggest they can do that. That maybe is somehow acceptable, I just can not find it The part I am mostly hung up on is how are they breaking all code and FHA Streamline rules in giving back cash out to apply to closing costs. FHA Streamline is abundantly clear in every channel there is not a cash out option. How are they able to show there cost illustrations with cash out to cover closing costs? Seems illegal to me
My mortgage was transferred to be serviced by SLS in XXXX XXXX. 
Prior to the transfer I was working with XXXX to have my loan modified. 
After many disputes with SLS ( loan servicer ) I received a notice from them date XXXX XXXX for a trial period modification Plan. I later received a letter of a designated contact to guide me through this process his name and phone number provided. The trial consisted of there payments in the amount of XXXX prior to making the first payment I contacted my designated contact XXXX . This letter was dated XXXX/XXXX/XXXX but I did not get it until toward the end of the month. After speaking with XXXX he told me that I did not need to make my payment for XXXX just begin by making my payment on XXXX XXXX for the trial. Additionally prior to my receiving information regarding my modification I had been dispute with my mortgage company regarding my payment so it was more than XXXX. I made my first trial payment on XXXX XXXX for XXXX. My second payment in the same amount for XXXX and XXXX. 
When I made my last payment I contacted my designated contact person and inquired to the fact what happens next and what do I do for the XXXX payment it was specified in the trial document. He told me I should be receiving my modification document soon. I did within a few days from the conversation. I received the modification agreement, the agreement was dated for the XXXX of XXXX XXXX just on the summary page. Non of the other pages were dated. I contacted XXXX regarding the wording of the document as to when my payments would begin we concluded on XXXX XXXX. He stated I received this document because I had completed my trial and made payments as indicated in the agreement. So I did not make a XXXX payment but I did make my XXXX and XXXX ( XXXX ) payments. 
Therefore all payments were make according to the agreement. I had the agreement notarized on the XXXX of XXXX and sent overnight via a package they sent me ( I have the receipt ). I tracked the package and indeed it was received by them. I waited and kept checking my account nothing has been updated yet. The representative when I called would transfer me to a voice mail. I finally got someone who told me I had denied the modification, I sent a dispute. I then on XXXX XXXX received a default letter on my loan. So this complaint is about an agreement that is not being honored and the fact that I have made all the payments required, and it does not appear they are being applied to my loan. I am requesting your assistance in settling this before I initiate litigation against this company In regards to the questions below not sure how to answer. I have received a default letter but I have made payments which have not been applied. 
I will send you a list. I believe the default in error. The right hand does not know what the left is doing. Additionally, I have hired an attorney to tentatively look into this. I am requesting your assistance as as well. So I have done all they have asked. They are not honoring their portion of the agreement. Attached are my documents