WillisBack/dataset-financial-user-claim huggingface dataset:
This relates to complaint XXXX. After I filed the complaint, I got a letter from US Bank indicating that the account " was charged off due to delinquency on XX/XX/XXXX. '' The XXXX XXXX XXXX falsely represented in court pleadings that it was collecting on behalf of US Bank XXXX XXXX  when US Bank has already charged off the debt. 

The US Bank Letter went on to say that the " Platinum Visa Card account ... was ultimately included in the XX/XX/XXXX sale to XXXX XXXX XXXX, XXXX ( XXXX ). '' And admitted that " U.S. Bank no longer owns the rights to this account. '' Question : How can a bank claim a tax write-off one year, and then sell an asset that has already been written off the books the following tax year? That seems like fraudulent tax reporting, if not fraud itself. 

Is the sale of an unsecured debt legal AFTER the creditor ( in this case, U.S. Bank XXXX XXXX ) has ALREADY written off the debt for tax purposes? 

At any rate, XXXX XXXX of the XXXX XXXX XXXX ( XXXX, ND ) falsely represented to the court in legal pleadings that she was collecting on behalf of U.S. Bank XXXX XXXX, when US Bank XXXX, according to its XX/XX/XXXX letter, has no involvement in this debt collection whatsoever. That seems like both fraud and attorney misconduct, as well as a false representation in legal pleadings by XXXX XXXX and the XXXX XXXX XXXX. When I left a message with the XXXX XXXX XXXX about that fact yesterday, no one called me back. And when I tried to call them this morning, they disconnected the call before I could even speak a word ( likely because they saw who it was on their Caller ID ). But the XXXX XXXX XXXX is committing fraud on the court and making false representations in pleadings. 

And, they filed a false response to the CFPB, which violates 18 U.S.C. 1001. I read the company response. They didn't ask me for the last four digits of my social security number ; they demanded the ENTIRE SSN, as well as my date of birth ( neither of which I am required to give under the law, especially to a debt collector on a fishing expedition ). They lied, so don't take their word for it. Rather than rely on their response, subpoena their tapes of telephone calls ; they state that ALL of their calls are being recorded.
I do not know who charge this alarm in my name? I have lived in my house 28 years, I have never lived at this home where the alarm was installed or signed my name on any document allowing these charges to be in my name, I did not know anything about this charges until it appeared on my credit report. The collection agency has no sense of urgency to correct the problem, other than file charges on the person whom used my name, Police department has no direction, how can they just add a collection to my credit for 7 years when it is not mine?
Bayview Loan Servicing LLC has violated Bankruptcy Law and State and  Federal laws by trying to foreclose on our home. XXXX XXXX XXXX has violated Bankruptcy Law and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer XXXX XXXX XXXX developed a scheme and transferred loan to Bayview Loan Servicing to cover up Bankruptcy Law violations.
On XX/XX/2017 {$25000.00} consolidated loan reported that doesnt add up to what was ever disbursed to me. Ive reached out to XXXX to investigate my account with no help. Also, they have reported incorrect balances amd late payment. I have no idea where these amounts are coming from. Ive reached out to my schools and to ger a copy of disbursements and billing to match with navient and it looks to be fraud.
XXXX XXXX XXXX keeps reporting a debt that is not mine. I have disputed the account with the credit bureaus and directly with XXXX XXXX  XXXX. XXXX XXXX XXXX keeps sending me " Validation '' information of the alleged debt to XXXX XXXX. This documentation clearly list an address where I have never lived or otherwise had no previous knowledge of its existence ACC # XXXX
About a year ago I tried to refinance a vehicle through my bank. I was told by them they can not pull up my Equifax credit report. I called Equifax and they told me I had no credit file. After talking to multiple people including a Supervisor, I was told I had 2 credit files. They then stated I needed to submit a request to merge those files and provide proof of identity which I did at that time. I have then had to send 3 more times Proof of my identity which they keep stating that it's not legible. I have mailed to times and faxed one time my ID. These copies are very legible and in color. They are still refusing to fix my credit file which has prevented me from achieving any type of loan or mortgage loan For the past year. I was also told that my social security number was involved in the breach that happen last year. So at this point I feel like I'm just getting the run around from them which is preventing me from moving forward in my life. I would like this issue resolved ASAP thank you
Phoenix Financial Services is attempting to collect on a debt for XXXX XXXX XXXX   XXXX. However XXXX XXXX XXXX XXXX as well as Phoenix Financial Services has refused to provide me with proof of the Debt. I was not living in XXXX on the date of service in questions and was not seen at any of the XXXX XXXX. I requested for them to provide me a copy of any documents the individual presented when they signed into the hospital or anything that was present that proves this was me or my debt. They have refused. They are attempting to collect for XXXX
XXXX XXXX says I owe the {$450.00} but I have no idea what they are rwfering to. Now that I have spoken to them it says on my credit reports that I dispute it, but its still on there. Please remove ASAP.
On XXXX/XXXX/XXXX a claim through XXXX in the amount of {$1100.00} from provider " XXXX XXXX XXXX XXXX '' was processed with {$770.00} applied by XXXX, it was then reprocessed that same day as {$580.00} applied instead, the difference being an over payment in the amount of {$180.00}. The above " XXXX XXXX XXXX XXXX '' is an in-network provider. This overpayment amount {$180.00} is to be paid by the provider and neither by XXXX or myself. " XXXX XXXX XXXX XXXX '' should therefore pay this without ever billing anyone. For reference purposes to distinguish this from proper balance-billing, a different situation which is common, arises for when an out-of-network doctor appears for example unexpectedly in an ER or XXXX setting ( e.g. XXXX ) but the provider overall is in-network, where balance-billing is invoked. Customer/patient pays provider, XXXX reimburses provider and we are done. I have experienced this before and it works pretty smoothly. NOTE balance-billing is a proper example. The addressed situation in question is NOT applicable to balance billing and is the improper use of billing an overpayment to customers. 
The reason for this request of investigation into intentional fraud and extortion, is that 16 months later from the date of XXXX/XXXX/XXXX " XXXX XXXX XXXX XXXX '' has fraudulently applied the over payment amount of {$180.00} to be paid by me. There was never any correspondence sent to XXXX or myself at all within this time. Instead a collection agency ( United Consumers , Inc ) was improperly contracted by " XXXX XXXX XXXX '' to handle this. The use of a collection agency without notifying XXXX or myself prior is an act of a ) fraudulently passing an overpayment as a balance owed by a patient and b ) extorting patients for the overpayment amount since their credit score will be effected quickly. Based on other reports against " XXXX XXXX XXXX XXXX '', I believe that these overpayments are intentionally fraudulently applied as balances, especially the smaller amounts being sent to collection so that patients pay providers without questioning the activity. Since the data presented by the collection company corresponds to tangible sums of money and dates of service by the XXXX XXXX XXXX XXXX '' and documented by XXXX, a patient will be smoothly strong armed or squeezed into paying the amount before it goes to credit bureaus without raising an eyebrow. Naturally the collection companies remain neutral while XXXX is virtually unaware of the situation ( until contacted of course ). As of XXXX/XXXX/XXXX this current situation is in the process of being resolved ( hopefully ) via XXXX 's taskforce against " XXXX XXXX XXXX '' and " United Consumers, Inc ''. The collection company " United Consumers , Inc '' has provided only a timeline hold until XXXX XXXX XXXX. The provider " XXXX XXXX XXXX XXXX '' must be the XXXX to make the correction. They have intentionally placed a fraudulent overpayment as a balance to be collected, and I truly believe that they will not correct this issue unless there is oversight from CFPB or law enforcement.
Twice I requested a credit line increase. Both times this company claims they had issues pulling a recent credit report and were provided a report from over 4 months ago from XXXX. This particular report had derogatory information that was either disputed and removed or was paid and updated. My credit score is up almost 100 points today compared to the report they pulled. I spoke with a supervisor regarding this issue and did not receive any assistance. As a result I closed my account out of frustration.
Cavalry SPV 1, LLC, keeps sending documents saying I owe a debt to them. I dont know who these people are and why they are sending statements that arent mine. On XX/XX/2018 I sent letters to them through the XXXX Returned receipt XXXX XXXX. I requested VALIDATION. So far they can not VALIDATE this debt and send copies of statements that arent mine. They have violated FCRA, FDPA.
I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX Acct # : XXXX : I have never paid late XXXX XXXX Acct # : XXXX : I have never paid late XXXX XXXX XXXX Acct # : XXXX : Inaccuracy payment information
The debt was paid directly to the hospital around the time the collection agency reported it. I have contacted them several times and sent several faxes with the receipt showing it was paid online. They then sent me over to another company who has refused to return my phone calls. One of their agents hung up on me and told me the other company is not handling the case that they are. Whenever I call either company they say it is up for review review means that they 're checking to see if the documentation was received. The documentation was facts almost two months ago and I have confirmations from the sent fax. Whenever I contact them they give me several phone numbers but no one has contacted me back. I 've also fax to several different numbers that they gave me for their company and also the other company that it 's supposedly handling the account.
On XX/XX/XXXX I opened a new Checking account with Key Bank. I had recently moved upstate NY from the city. Two weeks later, the same branch manager that opened my account closed it with no type of notice. I found out my account was closed when I was trying to take money out of my account at an ATM. <P/> XX/XX/XXXX is the day my account was closed and a check was sent to my address with the remaining funds. Customer service over the phone told me there was no reason why my account was closed and I 'd have to ask who opened it for me. On XX/XX/XXXX, I called the bank and the branch manager had me come in to file a declaration of loss. He said he 'd send out a second check now that I 've stopped the first one. On that same day, I clarified if I did not get this second check, what would be the next step? He told me at that point he 'd be able to " emergency release the funds. '' Each time I visit this location I learn something new about my account. When I went to the branch on the XX/XX/XXXX, a representative said my account was closed because I did n't give proof of residence via mail. I was never told this information nor did I get this letter requesting my new address. On the XX/XX/XXXX, the representative told me I had to wait 90 days after my first check was dispersed. Why then did I have to go in and sign a declaration of loss if it did n't speed up ANY process? <P/> It is now XX/XX/XXXX  and this check is still nowhere to be found and I continue to get the run-around. I plan on going back to the branch this weekend in hopes the manager is there since he was n't both days I went in this week.
Dear cfpb, after the real estate market crashed in XXXX XXXX California in XXXX, my husband and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were brooke.. Our new jobs could not cover our credit card payments and eventually, we were default on all credit cards and mortgage payments. I had also used my XXXX card to pay my XXXX. So after I became default with my credit cards by XXXX and XXXX. XXXX sold one of my credit card debts to Nelson and Kennard Attorney at law / XXXX XXXX XXXX XXXX. And XXXX XXXX file a lawsuit and got a judgment on XXXX/XXXX/XXXX for XXXX. Since then they have aggressively taken money from my bank accounts various times leaves me without money to pay my modification mortgage or utility bills or groceries. They have continuously caused me tremendous pain and sufferings. It appears that XXXX have had some agreements with CFPB and state attorneys general. But because XXXX sold this account to the collection before coming to an agreement with CFPB or the attorneys general, this collector continue to drain my account. Previously, they have taken over XXXX and now on XX/XX/XXXX, they have taken {$2200.00} from my account ( this is my mortgage payment ). Now I am devastated. Please help me
Judgment XX/XX/2012 {$0.00} XXXX : XXXX XXXX XXXX XXXX showing up on my equifax report and has been paid off and closed
I spoke with  XXXX  representatives from  Chase Auto Finance  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the last  five  years, but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  Chase  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from Chase showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX
To Who  m It May Concern, Yesterday my husband and I had property SOLD and left with a check to be deposited.
We deposited the check into our JOINT Checking Ac  count . ( Bank of America ) Within 12 hours there was thousands of dollars being processed/withdrawn out of our JOINT Checking Account. The company that withdraw the monies, was n't indicated at all in our JOINT Checking Account statements. There was no ALERT! that was indicated to us with our online Accounts at all.   <P/> Of course, we immediately went to the closest Bank of America to see what on earth was going on with this particular account mentioned above.  <P/> 
The Bank of America Manager found out that it was a Credit Card issued back in the early  XX/XX/XXXX  through my husbands company which has been CLOSED since XX/XX/XXXX . They indicated that    the last payment wa s XX/XX/XXXX . The  Credit Card was through the company which was also a LLC. My husbands name was the ONLY name on the Credit Card. Not mine.  <P/> The monies that were withdrawn is also mine. Th e Checking Account is also a JOINT Acc ount.  XXXX  Bank of America fraudulently withdrawn monies out of a   JOINT Checking Account  XXXX   XXXX   Please note, there was no notice by mail or phone calls to Alert us of any problem or issues to resolve any matters with Bank of America.
<P/>  There needs to b  e ACTION taken against Bank of America.
<P/>  My husband and I are retired and only get a small amount per month through social security. This Sale of t  he Property was to be a small cushion of security which was taken away from us like a thief in the night.
<P/>
Please let us know what ACTION must be taken so we can proceed to go further and have our monies returned to us.    <P/> Thank You.
I made several attempts to correct this matter with XXXX. I called and wrote email. I was told on several occasions that XXXX do n't make adjustment customer bills. The service was not working but I was still billed. I was charged for equipment that I had returned. I wrote several letter to corporate and never received a response.
We submitted a written request to our mortgage company by email to remove PMI. We have had 1 year of on time payment history and meet requirements of 78 % LTV for automatic removal. The mortgage company has denied our request.
I have been a victim of identity theft and credit fraud for over 3-4 years now and during that time, I have seen my credit score go from XXXX to XXXX. I have written to the reporting agencies, Equifax , XXXX and XXXX, and to this day, my reports have not been restored. I have also filled several police reports. During that time, several fraudulent accounts were indeed removed but some still remain and my credit score do not reflect my true record. I am so frustrated with everything and need help. I do n't know what else to do or who go to. 
Please note that I have been denied credit on several occasions because of this and I have been embarrassed several times as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX SS # XXXX
CitiBank is due to pay {$400.00} bonus for a new checking account. This was expected XX/XX/2016 but was not credited. They claim they do not have a valid XXXX on file ; however, I have attempted multiple times to provide this documentation. At the time of account opening, via mail which was deemed not valid, and in a branch on XX/XX/2017. They cite the lack of a XXXX as the reason for not posting the {$400.00} bonus due to me per Case number : XXXX. A completed XXXX is attached to this request.
I have had my credit monitoring account for 2 years and never had a problem with any alerts reported about my credit account. I received an alert back in XXXX of 2016 that XXXX inquiries had dropped off my report. As I have been monitoring my credit file within this last month the inquiries were added back to my credit file. I have called the credit bureaus as well as the credit reporting companies and I keep being told to by both companies to dispute the inquiries with the other. I was never notified in written about the inquiries being reinserted which is violation of the FCRA Part ( A ) ( 5 ) ( B ) ( ii ).
I opened an account with Citi on XX/XX/XXXX and the requirements for a bonus were to deposit XXXX for 30 days. Promo code was XXXX. {$15000.00} deposit landed at Citi on XX/XX/XXXX. From that point they said I had to wait 120 days to see the {$400.00} credit. That would have been XX/XX/XXXX. I have all the chat logs that said i have completed all the requirements and they are currently " Investigating '' my account. This has been the worst customer experience with a bank that I have ever experienced and should be criminal. I have given them everything that they have asked for and still no solution. 

Info at XXXX, XX/XX/XXXX : Welcome A Citi representative will help you in approximately 58 minutes 0 seconds. 
Info at XXXX, XX/XX/XXXX : Within this chat window, do not share such information as your security word or expiration date. To help safeguard your account, we may send you a secure, electronic form you can use for sensitive information.

This chat may be recorded or monitored. 

You are now chatting with XXXX. 
XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you. I will be glad to check this for you. 
XXXX at XXXX, XX/XX/XXXX : May I ask you to confirm only the last 2 digits of the Citibank account number in question? 
You at XXXX, XX/XX/XXXX : XXXX XXXX at XXXX, XX/XX/XXXX : Thank you. 
XXXX at XXXX, XX/XX/XXXX : Please allow me a few minutes while I review your account. 
You at XXXX, XX/XX/XXXX : Thank you You at XXXX, XX/XX/XXXX : Anything? 
XXXX at XXXX, XX/XX/XXXX : Thank you for your patience. I have confirmed you have met the deposit requirement and have maintained it for 60 days which was completed yesterday. Please note per the offer terms : " If you are an eligible client and enroll and fulfill required activities, you can earn a Cash Bonus. If you fulfill the required activities for this offer and meet all other conditions then the cash bonus will be credited to your new checking account within 90 calendar days from the date you complete all required activities. '' As such, please allow 90 days from XX/XX/XXXX, which would be XX/XX/XXXX for fulfillment. 
XXXX at XXXX, XX/XX/XXXX : Mr. XXXX, are you still there? Do you have any other questions for me today? 
You at XXXX, XX/XX/XXXX : Yes You at XXXX, XX/XX/XXXX : Thank you very much for the assistance today You at XXXX, XX/XX/XXXX : That was all. 

As you can see from this chat log they did not follow their own terms. It should have been XX/XX/XXXX as the last legal day that the bonus would have posted.
Please see the attached. I believe my Client has not been treated fairly, and is now facing a Sheriff Sale in 3 weeks after years of trying to do the right thing and sell his property. We nee d these Mortgage Companies to be held accountable.
I learned in XX/XX/XXXX that XXXX XXXX XXXX XXXX XXXX, XXXX placed an erroneous bad debt transaction on my credit report. This has prohibited me from securing the housing needed to accommodate my XXXX child. 

We lived in XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX forwarded my son 's incontinent supplies to our temporary XXXX address during the summer of XX/XX/XXXX while we vacationed there. XXXX   Medicaid limited them to sending supplies to an alternate address for a maximum three months. We decided to stay in XXXX and notified the company and Medicaid at the end of XX/XX/XXXX. Shipments should had ceased at that time. 

The copy of the invoice I received in XX/XX/XXXX shows that the company sent a shipment to our old address in XXXX in XX/XX/XXXX. They allege funds are owed although I no longer lived there and they were notified to discontinue shipments before this shipment was sent. Previous shipments were paid by Medicaid, not by me. Medicaid said they were not billed for shipments after XX/XX/XXXX. 

XXXX XXXX XXXX states that it is not their responsibility to prove that I received the merchandise. I must prove that I did not. That's impossible! We are currently displaced because of this issue and I plan to seek additional legal action if the debt is not absolved and the transaction removed from my credit report immediately.
Ive been fighting to two collections on my consumer report. Both are listed as XXXX XXXX XXXX problem we dont know what that information relates or who it relates too but we know its not us. This is being disputed at XXXX and Transunion and needs to be removed.