WillisBack/dataset-financial-user-claim huggingface dataset:
Navient put all of my loans into forbearance even after approving my income-based repayment plan. They are claiming I authorized this forbearance in XXXX 2014 in a phone call on XXXX XXXX, 2014 at XXXX XXXX and that they will not provide me with the recording of this phone call without a " court order. '' I would like to call into question this forbearance and hear this recording.
I have a student loan judgment debt with the XXXX, in which I must pay {$75.00} each month. I receive social security on the third Wednesday of each month therefore I ca n't have the Kyle law group which is the debt collector for the U XXXX take the payments automatically from my bank account each month, so my wife elected to have my payments deducted from her bank account instead, because her social security XXXX check is deposited on the XXXX of each month. However, that can change as well because if the XXXX falls on a weekend then the deposit will go in a day or XXXX early. This causes an overdraft on her account as well as mine. Also the Kyle law group is setting our accounts up with the pay .gov website where the payments are being collected. XXXX Kyle is not sharing any account information with me or my wife ie. username, password, security questions. If I want to make changes on the website I have to go through the Kyle law group, I ca n't make the changes myself. When I cancelled the payments from being collected from my bank account on XX/XX/XXXX2016 the Kyle law group took the payment from my account as well as my wife 's account on XX/XX/XXXX2016. Because I did not know the username, security questions, or password I could not make the changes, because Kyle law group set the account up, and did not let me know any information. Now the same thing is happening to my wife, and their office has set up a pay.gov account for her and will not share any of the account with her. She does not owe them I do. I do n't mind paying on my debt each month but I prefer to call the Kyle law group each month and let them run my debit card, therefore, not causing me or my wife overdraft charges. We both are on a fixed income in which the dates for depositing our checks are not set in stone. This is why I would rather call them each month and process a payment. I do n't know why the Kyle Law group does not want to share the account information with me or my wife. I would appreciate your help. Thank you.
I was sold blinds by a representative that came to my home and offered financing through my macy credit card. The service is Macy 's XXXX. After several weeks of having this order on my credit card - and the rep telling me that they had a problem getting an installer out - the blinds were installed. The installer claimed he was " afraid '' to get on the ledge ( XXXX story vaulted ceiling ) which was XXXX apparent to him and the sales rep when they sold the blinds. He poked a hole in the ledge while he attempted to install them hanging from a ladder with no assistance. I complained about the hole and sent photo within 24 hrs. It took several weeks and the SAME installer came out - claimed he was waiting to install until he could find someone to help but never did. This took multiple phone calls to get to this point, all the while - the sales rep REFUSED to give me the name or contact of her direct supervisor. She just kept citing " customer service '' would be in touch. The blinds were over {$1000.00}. and it appears the replacement set was cut incorrectly as they are " short '' about XXXX inch. I have been sent to the original manufacturer of the blinds - " XXXX XXXX '' who acknowledged after being sent a photo of the replacement blinds that in fact - they did appear to be short and was offered {$75.00}. credit to go away. I refused citing I wanted the blinds that I paid for and she committed to have someone out within 3 days to see if there was anything that could be " done ''. I have called, emailed with NO RESPONSE. This was nearly 3 weeks ago. I feel that I was frauded as there was no disclosure that I would be dealing with a 3rd party company AND no disclosure there were issues with having someone to install. XXXX cites to me - they merely do not have anyone in my area to resolve this issue. The closest installer is XXXX miles away. This has been going on since when I placed the order in XXXX. I am contemplating a lawsuit as well - I want my money returned and off of my Macy 's charge as I am paying 25 % interest on this.
Quicktrip has offered gas station card through UMB Bank. I held a card which was paid in good standing. They switched provders to XXXX XXXX XXXX XXXX XXXX earlier this year. I changed where I am sending payments and monthly statements provided by XXXX XXXX XXXX XXXX XXXX show my account is laid. But I am now receiving collections letters from UMB Bank saying I owe on my Quiktrip account. What gives?! I have paid every statement I 've gotten!
A collection attorney has contacted me in the past, re : a debt that was not validated by XXXX XXXX XXXX XXXX. The bank has never sent any debt info, and all matters were resolved with the bank. MARK A KIRKKORSKY PC was notified of this by me, and notified me that I had been sued and already had a judgment against me. I contacted the county attorney who told me this was not true. XXXX office then told me that I would be sued. I sent a written letter to his office, asking for all original documents, and never received a response. When contacting on the phone, I was sent to a voicemail, and never received any return calls. Since filing a complaint about the threats in 2012, the calls have stopped with the exception of a few per year which are normally hangup calls, and when I dial the number it is his office, but multiple times per year he is still sending inquiries to my credit report. This matter was resolved nearly 5 years ago, when neither he nor the bank could produce any validation of debt, yet he continues to persist
US Bank made a claim that I authorized charges and falsely claimed that they had XXXX ( XXXX ) recordings. I asked for proof that US Bank was truthful with me when they claimed they had recordings, but they did not address this issue. 
The only evidence that US Bank provided was signatures that purportedly matched, but US Bank did not offer any evidence to counter my forensic signature expert.
In the Fall I had the following Hard Inquiries show up on my credit that did not occur : XXXX  - XX/XX/XXXX Transunion XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX I contacted XXXX and they said they would remove but never did ( might have been just their internal system ). Tried multiple times to contact XXXX  but could not reach anyone.

I need all 4 of these removed from my credit ( trying to refinance house this summer ). If I need to try and contact Transunion and XXXX separately please let me know.

Thanks, XXXX
On XX/XX/XXXX, Citigroup announced that it was " setting restrictions on the sale of firearms by its business customers ''. This is a coercive move made to discourage their business customers from dealing in completely lawful transactions. 
This action by Citigroup will not just result in financial harm to the merchants affected, but will also negatively impact the civil rights of American citizens in the exercise their 2nd Amendment rights.

That a company, after having received a massive bailout from the taxpayers, can ignore the constitutional rights of American citizens and inflict financial damage on their commercial customers is an outrage and must be stopped!
XXXX Now account # XXXX amount XXXX XXXX/XXXX/XXXX
To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
We tried on numerous occasions to secure a mortgage modification to allow us to keep our home, and  Residential   Credit   Solutions   (  RCS ) repeatedly blocked our attempts by not returning phone calls, emails, etc. We were told to submit duplicate paperwork on numerous occasions. When they finally offered a "  XXXX   XXXX   XXXX  '', we were advised that this was the only program they had looked at for us, they did not advise us of any other programs that might be available to us, and their modification did not change the monthly payment at all, thereby keeping us in an impossible plan, setting us up for failure, and virtually keeping us in the same foreclosure risk. They told us to look over the  XXXX   XXXX   XXXX  and call them back. When we did call them back, we told them we did not want to sign the agreement, we wanted to explore other options. They refused to look into a payment deferral, saying it would ruin our credit. Our credit was already ruined by virtue of their dragging this process along for 15 months. Numerous times, when we were finally able to speak to a representative, and only after they had been contacted by third parties ( including congressmen and women, and newspaper reporters, they gave us misinformation, or told us they would look into other programs and then never called back. We have voice recordings of those telephone conversations, and solid proof of our attempts to obtain information to allow us to make informed decisions. We were forced to cash in our   XXXX    money in order to clean up our own credit and were finally able to secure a new mortgage with a reputable banking institution, with a much lower payment and lower interest rate. However, not only is our  XXXX  gone now, but we incurred expenses in excess of {$23000.00} in order to mitigate our damages. This was not a modification of our existing mortgage. It was a total re-mortgage, and without benefit of Truth-in-Lending law protection.
Someone is in the process of stealing {$900.00} from my checking account from ACH XXXX XXXX Card. Bank of America told me because the payment is still processing there is nothing they can do until the payment posts to my account. Which is 3 to 5 business days. So my account is over drawn {$350.00} until the payment posts!!!!!! Then I can finally make a claim. They wo n't even start the process until the money is actually stolen instead of stopping it before it is gone. This does n't make any sense to me!
I have reached out to Equifax and XXXX in regards to the numerous inquiries that's appearing on my credit report.I let them know that I was a victim of their inquiry issue. They have neglected to remove them as well as bankruptcy and a collection account that does NOT belong to me. They have said it came back as verified and I requested them to provide me who verified the accounts. They have failed to do that as well. XXXX has abided by the law and deleted said accounts and stated they were unverifiable. I am trying to understand how one bureau can not verify accounts and another bureau who will not provide proof of verification can. I also provided documentation from the U.S. BANKRUPTCY COURT whom in which they said furnished the information stating their accusations are false. To my understanding the accounts must be verified by the alleged FURNISHER. Any automated response or XXXX verification is unacceptable.
I am submitting this on behalf of my husband, and his student loan. XXXX has been XXXX since XXXX, 2015. He is XXXX years old. We are NOT sure when he will be released, but we do know that we will only have XXXX XXXX as our income. When XXXX worked he was the owner of a company that provided XXXX XXXX for XXXX XXXX. He XXXX XXXX XXXX XXXX into XXXX. At one time, he was one of only 37 people who could XXXX XXXX XXXX XXXX. He provided a very important service which allowed many students an opportunity for a XXXX XXXX. What are the options since our combined income will be less than half of what it was? Recently, I have submitted paperwork for the loan to be in forbearance, but I do n't think that can go on much longer. Please let me know our options. NOTE : I am NOT listed on the loan, but I do have Power of Attorney to handle all of XXXX 's accounts.
I 'm working with XXXX and all my creditors know I 'm going through financial difficultly at this time. They all have been informed since XX/XX/2014. Chase Credit cards continues to call my work phone even after sending them a letter and telling them not too. I sent chase a certified letter stating to work with XXXX XXXX XXXX who are representing me. They know this and refuse and say it 's not in their policy. I ca n't receive and take calls from them at all. This is the number they use to call XXXX
Paid off mortgage XXXX XXXX,2017. As of XXXX XXXX, 2017, have not recieved funds paid in excess of payoff amount. American mortgage withdrew mortgage payment 10 days after mortgage was paid off. Waiting now 39 days for deed and funds owed to us.
I have a citi simplicity card. I pay my balance in full but was still charged interest XXXX when calling the company they said they charged the interest every circle???
Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXXXXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.
Missing SEPA withdrawal since XX/XX/XXXX - Initiated SEPA withdrawal of XXXX from Coinbase to my bank account on XX/XX/XXXX XXXX CET - Promised completion of this transaction XX/XX/XXXX - Support ticket created XX/XX/XXXX - > Still waiting for any response or action - Transaction shows still " pending '' in Coinbase account
I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XXXX XXXX, XXXX 2. XXXX XXXX XXXX : XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 4. XXXX XXXX XXXX : XXXX XXXX, XXXX 5. XXXX XXXX XXXXXXXX XXXX, XXXX 6.  XXXX XXXX XXXX : XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX 8. XXXX XXXX : XXXX XXXX, XXXX 9. XXXX XXXX XXXX : XXXX XXXX, XXXX 10.  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Wells Fargo has claimed a payment of mine has not been made due to a mobile payment being attempted with incorrect account information. I always conduct on-line bill payment, and for the payment in question, I provided proof from my bank that funds were received on-time. Since then, several months have continued, and late charges are being assessed. In my attempt to resolve this, I have been in contact with XXXX people and no closer to admitting Wells Fargo was at fault. My case was re-opened after I disagreed with the first conclusion, and now a new case worker is starting the investigation process all over again. Unbelievable!
I have previous dealt with this back in 2014 for different companies trying to collect a debt for XXXX credit card, which I have never had one. I have a letter from XXXX stating that I have never had an account with them, but these companies will still not leave me alone. 
Attached please find all my previous dispute letters, letter from XXXX stating that I have no account with them and the newest demand and dispute letter.
A company claiming to be XXXX XXXX just called me on a local number then when I disconnected the call they called me on an out-of-state number, which is a form of spoofing ( I live in the local XXXX area code in Texas, the second call came in on an XXXX area code which is South Carolina ). The XXXX area code number they tried to spoof me on was listed as XXXX and the South Carolina number was XXXX. In a voicemail message they then said they were going to call my employer. I believe this is not a valid debt collection call and I want these numbers reported.
On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through Ally Financial. A XXXX XXXX XXXX, XXXX : XXXX. The vehicle was repossessed on or about XX/XX/XXXX. 

A dispute letter has been mailed to Ally and XXXX XXXX disputing the full amount of {$10000.00} for vehicle that Ally is requesting me to pay. Because the vehicle has been sold, I should not owe the full amount. Allys account number XXXX. 

In addition, after the vehicle was repossessed, I did not receive any notices, and after the vehicle was sold I did not receive anything showing what the vehicle sold for : below is what I should have received from the financer, but I did not receive anything. 

1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment. 

2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 
Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own. 

Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own. 

When a finance company finances a vehicle then repossess it, they can not collect all of the money on the vehicle what it was initially sold for. Once the vehicle is sold, the finance company must provide proof the vehicle was in their repossessed and proof the vehicle was sold and how much the vehicle was sold for minus the initially sell of the vehicle. 

It is unfair to collect all the money of a sold vehicle and then ruin a person 's credit for seven-years from a vehicle that is sold.
I opened a Secured Credit Card with Capitol one, they received my deposit of XXXX dollars, on XXXX/XXXX/XXXX, they sent me a Card ( XXXX ), on or around XXXX/XXXX/XXXX I was notified that my deposit was not on record, and my account was going to be closed, I called then on XXXX/XXXX/XXXX and was told to disregard the letter account is in good standing, on XXXX/XXXX/XXXX the card was closed, I called then and they acknowledged it was a error and reinstated it ... again on XXXX/XXXX/XXXX it was re-closed and is no longer allowed to be re-activated, I was charged a yeary fee of XXXX just prior to closing, i Received a letter from them on XXXX/XXXX/XXXX stating by my request it was closed, absolutely false! 
and they reported it to my credit file as via my request? 
As of today XXXX/XXXX/XXXX I am without my XXXX dollar deposit, nor do I have a credit account, and their action dropped my credit score, they also in XXXX XXXX, inquired into my credit file with reporting agency over 14 times, causing excessive inquiries on my file, and I was declined for credit by them during this time due to too many inquiries ... 


As you can see via the letter dated on XXXX/XXXX/XXXX over a 12 month period of date prior, they 1 year later said they did not have my deposit??? / help
Here I am again with this same company! Who now after my most recent complaint decides to finally mark the account as closed on XX/XX/2017 which again is INCORRECT reporting. Second they decide to mark my account as 30 days past-due on the same day! The payments are due every XXXX of the month Were not at the XX/XX/XXXX yet which makes it impossible for me to be 30 days past-due. This company really needs to stop illegally reporting this account on my credit. I will move forward with other action if they dont be fair and REPORT CORRECTLY!
I have disputed XXXX via XXXX & Transunion, I have requested that XXXX   VALIDATE not just verify this account. 

I have no knowledge of this account. Please send a valid contract between XXXX and XXXX XXXX that was signed stating that I would pay them and giving them the right to report on my credit if I did not pay them.
I have been paying extra down on my principle every month ( above the required minimum monthly interest and principle payment amount ), but it appears that my payments are partially disappearing against the principle. I have requested additional information on " unpaid interest and fees '' that appear to accrue on my statement every month to no avail. The amount is higher than the actual interest can be possibly accruing. I would like support to understand what actions I can take to locate my lost payments.
I have requested documentation to see if   XXXX   XXXX   XXXX   XXXX   owns my mortgage.
JP MORGAN CHASE has failed to provide documents with proof of transfer or bill of sale of my mortgage account- from Washington Mutual Bank JP MORGAN CHASE has failed to provide me with full account details and bill from inception of loan JP MORGAN CHASE has failed to provide me with an documents showing how and when they started servicing my loan OR when they became the owner of my MORTGAGE LOAN JP MORGAN CHASE has failed to keep accurate and efficient records. They have created new loan document billing statements account in Bankruptcy   XXXX   accounts and then created new monthly statements that show different. ( I have all original statements ) JP MORGAN CHASE has failed to provide loan accounting, transferring documentation to   XXXX   XXXX  , which also has records showing that JP MORGAN sold them the loan in a BANKRUPTCY STATUS