WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying for the last 18 months to get a loan modification from SPS who is the servicing for XXXX. I have faxed and mailed documents to them for at least 12 months now. I have predotory lenders still on my account that should have been removed since 2009. My interest rate is over 12 percent. Sps has been given me the run around.
What happened? In XX/XX/XXXX I settled 5 charge off accounts with Boeing Employees Credit Union. We are in agreement that the accounts are paid in full and paid as agreed. I have included a settlement letter from BECU that confirms this. A 6th account was settled in XX/XX/XXXX, letter attached. All 6 accounts appear on the included XXXX Credit Report, with red boxes marking the items described herein on pages 6-9 of the credit report. BECU stopped reporting the payment history on each of the accounts marked in red boxes in XX/XX/XXXX, but started reporting derogatory payment history anew, when I settled the accounts. This inaccurately reflects my payment history and RE-AGES my account in violation of the FCRA because it shows a recent delinquency. The attached letter confirms these accounts are PAID AS AGREED. Thus, the derogatory payment history must be deleted in accordance in the FCRA. The new reporting of derogatory information results in a reduction in my credit score. When I paid the accounts off, instead of an increase in my score, I received a DECREASE in my score due to recent delinquencies when BECU suddenly began reporting them. If BECU fails to delete the payment history, its only other option is to update the entire history as derogatory beginning when the first payment was missed for each account. Additionally, BECU continues to report 'Creditor can not locate individual ' which is false, as shows on page 9 of the XXXX credit report, marked in red. BECU has been in regular contact with me since XX/XX/XXXX, as proven by the attached letter confirming my settlements. I have twice tried to get them to remove this derogatory description using the dispute process, and each time they have 'verified ' it as accurate. This is clearly erroneous. I have contested these accounts with XXXX and they received 'verification ' from BECU that the accounts were reported accurately. As proven herein and by the attached, BECU 's XXXX reporting remains inaccurate. Having exhausted the dispute process with the XXXX credit bureau, I am seeking resolution via the CFPB as a next step.
I have student loans with Navient and was unable to make payments and I tried for weeks now to log in to my account and page not located. On XX/XX/2019, I requested a General Forbearance Request. I  have a true and correct copy of said document I just cant get file to upload. I still haven't received any email or telephone calls from said company. This company is threatening my default of my loan and free my bank accounts and take my tax refund. I had several hardships last year ie the XXXX, weeding, death of my grandson and was scammed by XXXX XXXX XXXX on XX/XX/XXXX for {$1500.00}. I want to make said payments just need time to get my finances back on track.
I spent years paying back all my debt, I received notification of a debt I have no records of, looked through everything and I have no records of having this XXXX  XXXX account, the ones I did have were paid. I received a copy of a statement which again I never once paid XXXX  XXXX a payment on this account I have no records of. I'm requesting full validation, copy of the application, proof of payment on this account, date when last payment was made etc. Again I have no records of ever having this account. Please help assist
I have had a XXXX dollar miscellaneous charge on my account since last XX/XX/XXXX. Managers turn me to other departments and hang up constantly, I have been told to pay what I owe for the month and dont worry about the miscellaneous charge, however, it has been reported to the credit Burea for months and is effecting my credit score, I just called today and got no where, I was told that now an acct manager is handeling this. Than the phone hung up, some of the dates I have called are XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX my acct number with Ally bank Auto loan is
XXXX    XXXX   I was making a purchase in a Gap store and was asked if I wanted to be a 'Gap rewards ' member - there was no mention of signing up for a credit card, not did I want to. I received a new  Visa  card in the  XXXX  and my purchase went on this Gap visa card instead of the card I handed the cashier. The whole thing was deceptive and I never wanted the card.
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$140000.00} OPEN {$140000.00} XXXX $ XXXX {$130000.00} XXXX XXXX XXXX XXXX COLLECTION XXXX/XXXX/EF XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$76000.00} OPEN {$60000.00} XXXX $ XXXX {$60000.00} XXXX XXXX XXXX XXXX DELINQ XXXX XXXX/XXXX/EF Late Dates : XXXX, XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX and I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. The account has been charge-off and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by XXXX. In this case my debt should be removed from my credit report and out of the office of XXXX because they do not have the right to collect in the State of Texas. Because accordingly, to the State of Texas no debt collector can hire another debt collector to collect on their behalf. I called the Secretary of State Texas debt collections division and asked as this type of collecting is legal and it is not.
I have already filed two complaints with the CFPB regarding Navient and their illegal handling of 3 student loans that I obtained for my son to attend XXXX University. 
1. Total number of loans is not accurate 2. Loan amounts have been almost quadrupled from original balances.
3. 1 loan for my son 's last semester was a private loan through XXXX. 
4. I filed a Chapter XXXX BK in XX/XX/XXXX and student loans were discharged. 
5. The private loan can no longer be collected by Navient and they show it " charged off '' with the credit bureaus which has ruined my attempt to re-establish a good credit score. 
6. Navient sold two " XXXX XXXX '' loans to XXXX XXXX XXXX. Balances were quadrupled. 
Have sent " Certified Written Requests '' to both Navient and XXXX XXXX XXXX demanding copies of the notes they claim I owe as well as a payment history and a history of all charges to my account. 
7. Navient could only produce 1 application, no note and no payment history. 
8. XXXX XXXX has ignored my requests completely and is now charging me a ridiculous payment of {$570.00} per month. 
I am XXXX XXXX XXXX and can not afford ridiculous payment amounts and am not legally required to pay on a note that can not be substantiated. 
I work in XXXX XXXX and know the legalities that are involved. 
XXXX XXXX XXXX XXXX
CAPITAL ONE CC # XXXX HAS BEEN PAID OFF > STILL SHOWS A BALANCE.
I had a loan with XXXX XXXX on a car. Santander bought the loan I have had nothing but trouble since then, if I was late they charged huge fees and XXXX months ago my truck was repoed and taken XXXX miles away it cost me {$1000.00} to get there take off work and pay santander XXXX dollars, the loan they said was XXXX days past due but I know there was only XXXX XXXX XXXX I got it back they said they wanted {$900.00} more.I have the truck now and they are sendingme letters saying the loan is passed maturity and I owe them fees in the amount of {$3300.00} and it shows it to all be due now.I know there is no way I owe this and feel I have paid enough the loan started XXXX yrs ago. I dont have much money and it is unfair practices on there part I keep asking for them to show me how on a $ XXXX loan I could owe this and they never send printoutsPlease help me they prey on people that are poor and withouta car I cant work. I have gotten soooo mad and it is not good for my health
This is a written letter that Experian has requested that I gave to write in my request. 
It comes down to someone with in Experian has been running my credit to obtain credit to defraud me I have proof I have not applied for credit in over 90 days and credit report shows companies that dont no me or even deal with the type of credit that was ran for through experian, experian I filed complaint and now am blocked from writing calling and even online account. and now the person that blocked me was a manager for the special handling unit named XXXX and both managers are Female thats proof of security breach within the company they refused to give me my credit report request when denied credit so if this problem is not fixed I will report it as a possible XXXX attack on my social security account the companies that are on my report experian has told me on recorded line that the only information on some of these account only show they provided name and date of birth no SSN then applying a fraud alert on my account and sending to the three other reporting agentsys they put fraud alert but experian cant show who requested the fraud alert and I am blocked from calling and online account and righting per my pryor complaints through the FTC and CFPB and the Texas Attorney Generals office the problem is coming from the possible XXXX attck from a male Manager in special handling unit manager but special handling unit managers are Female. 
They told me I had to write a letter I told them I cant read or write well because of my XXXX they said my XXXX has no bearing on this complaint so they dont care. XXXX discrimination. I am being helped by the spelling from my wife for this complaint. Here is some of thecompaneys that dont exist or ever heard from my or show me evere applying with them XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
On XX/XX/2018 I checked my XXXX credit report, I notices two accounts on my report that not mine .I disputed this threes times with XXXX and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Account below XXXX XXXX XXXX XXXX # XXXX, Open Date XX/XX/, {$13000.00}
This payment of {$350.00} is the final payment on this undisclosed closed account facilitated over a year ago without any notice to customer. I am paying the final amount minus any interest due to failure of Chase to notify me of any changes in XXXX and XXXX. When I facilitated phone conversations with Chase, I was not told account closed and what was owed at the time as I made payments and then tried to use the card and was declined, I still did not receive notice account closed. I had 3-times notified Chase of address change from an apartment in XXXX to my residence address at XXXX XXXX XXXX XXXX XXXX NM XXXX. I now have received bills for 4 months indicating they did not change the address till XXXX. I am not responsible for lack of follow through on your departments failure to contact me in appropriate time to make the balance due at the time. Instead each month a new late charge was added to increase the closing bill with additional charges. That is the challenge I will follow up on with Chase Headquarters, Consumer Financial Protection Bureau, & FDIC. I find it disingenuous to never have my chase account listed on the credit bureaus during the time it was active and up to date on payment and now you are reporting it as a debt problem.
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX/XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX-XXXX
I called and they did not give me much information on the debt at all. after finally doing some research I called them back and decided to pay the debt in full. they would only do a transaction by me giving them my routing number and account number which they would make a check out in my name to pay off the debt. It if very dangerous to give out your routing number and account number. I paid them off in full and then they refused to give me any kind of transaction record or receipt. they claimed they will only send it out by mail only after everything has cleared which can take up to 30 days to receive a mailed receipt. they were very rude and unprofessional. I do not agree with the way they handle business and do not think they should be able to conduct business this way or business at all in the future. all I want is some proof of a transaction since I am giving them my account number and routing number.
They give the run around refusing to give me data when they made so many mistakes.Making changes to work against me and my family causing hardship.
I have disputed all of the Designed Receivable account entries that are reflected on all of my credit reports with the credit bureaus as well as with Designed Receivable. In my most recent communication to them dated XX/XX/XXXX ( see attached ), I specifically requested that they provide a summary of all account activities, copies of all charge slips, and all other documents proving indebtness, copies of all documents sent to me regarding the alleged account and copies of any papers that show I agreed to pay what is alleged bearing my original signature. To no avail. 

Designed Receivable responded in their letter dated XX/XX/XXXX, confirming that the accounts did not belong to me. In fact, they only referenced 1 of of the 4 accounts that they are negligently reporting. How so? Why were they not able to provide any substantiating documentation for the other 3 accounts. Designed Receivables did not provide a copy of the financial responsibility page, nor did they provide a copy of my signature with the provider of service to release medical information to them ( for any debt they are alleging is mine ). Designed Receivable did not provide a dunning letter prior to inserting these inaccurate, unverifiable derogatory entries on my credit report. 

To that end, DELETE ALL THESE ERRONEOUS, INACCURATE, UNVERIFIABLE ENTRIES FROM MY REPORTS. They lack veracity in their reporting. The date opened for the same accounts on each bureau differs. This is a violation of the FCRA. They are reporting that the accounts are past due and that is inaccurate as I have never opened an account with them nor have I ever did business with them. If these accounts were mine, they are reporting the hospital name on XXXX and that is a violation of the FCRA and FDCPA. In summary, there are many violations that are blatantly reflected among all entries on all 3 of my bureau reports. DELETE IMMEDIATELY!
BSI keeps responding skating around direct answers and still this to date not answering XXXX direct question. I am also now going to FTC.
XXXX XXXX is the company name. Ability recovery services is the collections agency. I have recieved repeated harrassing phone calls from which i have no knowledge of such account in which both refuse to furnish proof that it was my doing. They have said it is an online school that was done online. Therefore they can not furnish proof. I have placed disputes with The credit agency 's XXXX, XXXX and XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX-XXXX-XXXX Re : CAPITAL ONE BANK USA NA # XXXX XXXX To Whom It May Concern : I would like to dispute the validity of the above account Capital one bank usa XXXX with a pass due balance of XXXX I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Enclosed with this correspondence is a copy of my drivers license Thank you Sincerely,
On XXXX/XXXX/2016 someone made a few online purchases ( {$400.00} ) using my Etrade debit VISA card fraudulently. I called Etrade to report it and since then I have been trying to get reimbursed for my funds without success. I have been a customer of Etrade Bank for close to 11 years. This process has been horrible. I have been calling about every five days and the whole handling of my case is a disaster. They closed the investigation without telling me about three weeks into the process among many other excuses which are not going anywhere on getting my money back. The investigation was re-opened and the operator from customer service told me that he was sorry and that it must of been an internal error. I 'm still calling about every 5 days and only get excuses. What can I do to get my lost funds? 
Thank you for your help.
I have a checking account with CHase Bank and i have several direct deposits, on  XXXX   XXXX   2017  they charged me {$68.00} for iNSUFFICIENT FUNDS FEE for  XXXX  checks in total both for {$50.00} and they did it just in the same day and some minutes before  one of my direct deposit enter. when they applied the first fee was for - {$3.00} and and the same they did in 3 weeks before. that mean they charged me in total {$100.00} for fee for some minutes before of my direct deposit in less of one month. This Bank Chase never help its customer, They just care about profiting from their c ustomers.
I have paid direct loans a consolidated loan for approximately 11 years. I made contacts in regards to the loan forgiveness program and I was told I have the wrong type of loan. My loan is a Stafford loan. I have been a XXXX XXXX XXXX for 30 years. I have never been behind or defaulted on any payments. I was never advised that I needed a certain type of loan. I have made well over 120 payments for the past 13 years. This program is ridiculous. My balance is {$9100.00}. Can anyone help me. I retire soon.,
This company is listed on my Credit reports. I have asked for this debt to be verified because I never had an account with Senex Services. Pursuant to the Fair Debt Collection Practices I demand validation. They 've called my cell phone numerous times but have yet to verify the original debt. This debt is listed as a charge off/collection on my credit report.
Good day. My name is XXXX XXXX and I currently have a mortgage loan with Citi Mortgage in the City of XXXX. My property taxes were lower by {$1000.00} by the City of XXXX. Documentation was sent over to Citi Mortgage and only to find out, my mortgage will only be lower by {$180.00} for the year. I am current with my mortgage, so I do not understand their calculation. I called the company and they are lying about escrow differences. I was told the same thing by Citi staff last year when they raised my mortgage from {$2100.00} to {$2100.00}. I really need your help to correct this matter because I know I will lose my home with Citi Mortgage scheme. Thank you.
I placed a money transfer order with Western Union on XXXX/XXXX/16 for {$1700.00} to help with my parents medical fee overseas. Western Union did not make the transfer and emailed me saying they rejected the transfer of the money and would refund my money in 3 to 5 days. 

It has been now 11 days and I still do not have my money back. I called them several times and each time they give me a different answer but the money has still not been returned to me and I do not have it.
The debt collector- ( The Collection Connection ) has been hired by my previous XXXX who I have been fighting with over the charges he 's states we owe over XXXX missed appointments in XXXX 2014. He 's trying to charge my wife and I {$510.00} for XXXX missed appointments he claimed we missed in XXXX of 2014. I requested proof of us agreeing to these said appointments, and the Debt collector sent me a copy of the doctors appointment book with his notes in it. I have told the debt collector these are erroneous charges no services were ever provided nor did we ever commit to an appointment on said dates in XX/XX/XXXX otherwise we would have been there just like numerous other times we have went and my insurance was billed. This doctor- ( XXXX XXXX ) is taking advantage of us, he knows how stressed we are and after turning us into the collection agency continued to harass us every appointment we had after that. I told him several times that we never agreed on those appointments and its not fair he 's trying to charge us missed appointment charges of {$250.00} for each appointment, he does n't even charge the insurance company that much for an hour appointment when I have agreed to see him. Please help our family and I 'm sure the other family 's this doctor takes advantage of.