WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX placed a collection on my account for the amount of {$8300.00} with all 3 credit reporting agencies. I placed a dispute indicating that the vehicle was turned in and sold to covver the balance. The dispute was filed on XX/XX/2018. I have yet to hear anything from any of the agencies regardsing these disputes. According to the FDCPA, and dispute/investingation listed longer than 30 days must be removed from my credit report. I am requesting that this be the case!
XX/XX/2019, approx XXXX XXXX PST. 

" XXXX '' contacted my mother, stating the call was about an investment I had made. Left callback number XXXX. Internet sources indicate this is XXXX XXXX XXXX, and that they have a history of illegally calling debtors ' relatives and employers and misrepresenting the nature of the call. 

My mother is not a party to any debts I may have.
I have a TransferWise Borderless account to which I attempted to make 2 deposits in XXXX XXXX XXXX XXXX XXXX  via bank transfer. The deposits are as follows : # XXXX for XXXX XXXX # XXXX for XXXX XXXX Upon receipt of the money, TransferWise flagged the deposits as problematic. When I contacted their support team, they falsely claimed it was because those were " cash deposits '' which they do not accept. 

The attached bank receipts clearly demonstrate they are bank transfers, from a valid bank account at XXXX XXXX in XXXX and in my name, which they have already used to both make transfers from and deposit into. Despite me providing them with those receipts, as requested ( via email and their online document upload tool ), they refuse to hear my plea for a speedy resolution and credit my Borderless account. They still have the money, and the only resolution offered is for me to provide them with a " family or friend 's XXXX  bank account '' to which they would refund the deposits. Alternatively, just today, they offered me to refund them to the very XXXX XXXX account with which they claim they are unable to work " due to government regulations '', as they are a third party. 

These are clearly unfair business practices, and TransferWise 's refusal to credit my Borderless account is arbitrary and groundless.
I previously had a second mortgage loan with Chase. This loan was unfortunately charged off in XX/XX/2009 and the loan was re-modified through Chase. Chase maintained a lien on the property through the second lien while the first remained current. I have been trying to sale the home and Chase has refused to talk to me about the loan and refers me to XXXX XXXX XXXX XXXX. XXXX has inflated the amount of the originally charged off debt by {$15000.00} with no explanation of charges. I am now in another situation to sell the home and XXXX will no longer speak to me but refers me to XXXX XXXX XXXX. I think this is an unfair practice whereby these companies unfairly inflated debts and hold up sales on the property of debt that is past it's statue of limitation for ANY type of legal action to the consumer.
Our home insurance company raised our premium because they said we were underinsured. (The notice was lost because our mortgage had been sold 3 times in one year). However, we contacted XXXX XXXX  as soon as we received a cancellation notice from our insurance company that our policy was set to cancel for lack of payment to let them know they needed to pay the additional premium. (We called XXXX XXXX in XXXX to let them know the policy would be cancelling in XXXX)
There was a three way call between the insurance agent, XXXX XXXX, and my husband to get this issue resolved.

Everyone knew what was going on and my husband was assured the premium would be paid. Everyone had each other's direct contact number and said they would contact my husband if there were any problems.

It seems that XXXX XXXX did not pay the updated premium, nor did they reach out to the insurance agent or my husband.

Now, we have had a lapse in insurance coverage and lost our policy. We had to pay a penalty for the lapse, have increased insurance premiums on a new plan, and have to pay $XXXX for XXXX XXXX's forced hazard insurance also.
this was never submitted to insurance to be paid, the company needs to call the insurance company and have them investigate this. I have contacted the company several times, no one has contacted me back. We never received a bill either. 
XXXX XXXX XXXX Opened XX/XX/2018 {$1000.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2018 ( 4 mos ) Original Creditor Name BACK XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
I had settlement with prevouse debt collection to pay portion of amount and my account will be closed. I do n't remember the exact amount, approximately it was {$230.00} out of {$500.00} approximately. This happened around 7 years. But they keep transferring my account to other debt collectors.   I contacted the phone company and said I do not own anything. It 's affecting my  credit score  for price I paid. I need it to be removed from my credit report.   Thank you.
O n   XXXX   XXXX   XXXX   this co mpany received a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA S ec 809,
I was trying to buy a digital good from a XXXX  user. aAnd bought the good off of PayPal and he scammed me for XXXX XXXX which is about XXXX USD.
This company placed a fraudulent inquiry on my credit report I have not authorized and have failed to respond to my numerous calls and I think they hire these foreign employees to purposely ask you the same question multiple times and place me on hold only to hang up on me and I have to repeat the same process and I am sick of it its not right and its not fair when Im following the procedures as described in the Federal Fair Credit Reporting Act. I deserve an investigation immediately without having to argue or be put off only because they dont care because it aint happening to them. As described in 623 ( a ) ( E )  of the Fair Credit Reporting Act I want the office listed to place this fraudulent inquiry under investigation and remove it off my credit report now because it wasnt me and I have no knowledge of applying for this mess.
I recently received a copy of my  XXXX  credit report. The credit report showed a credit inquiry by your company on  XX/XX/16    that I do not recall authorising. I understand that you should n't be allowed to put an inquiry on my file unless I have authorised it. Please have this inquiry removed from my credi file because it is making it very difficult for me to acquire credit. If you find that I am in remiss and you did have my authorisation to inquire into my credit report then send me proof of this.
My name is  XXXX   XXXX  I have a mortgage with  XXXX   XXXX   Loan  #  XXXX .  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan.   According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. However  XXXX  continues to report me as delinquent. They reported me as being 90 days past due in  XXXX  and 60 days past due in  XXXX . This despite a letter I received from them in  XXXX  apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for  XXXX   XXXX   XXXX   XXXX  but then started erroneously reporting again in  XXXX . This has been going on since  XXXX   XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.
Mohela has all different charges, Why are they all different? I took XXXX courses at a time@XXXX for XXXX courses. XXXX course to make XXXX. Then I got a XXXX pell grant. That should be XXXX that I had left to pay. Since they say they are XXXX and they say ( charging late fees ) I have seen quite a few times the last few months. This late fee is usually done once a year at the end of the year. I would like to see where these charges came from, since XXXX was closed for taking student money. I was notified by another College that told me they were trying to contact anyone and cancel the loans.
I 've been working in the XXXX profession for the past 5.5 years and have regularly been making payments on my student loans. I submitted the paperwork for Public Service Loan Forgiveness and learned, to my dismay, that none of the previous years worth of payments counted towards my loan forgiveness. This was understandably a blow because I was never made to understand that only certain repayment plans qualify. Given that a lot of time and money went into paying my loans in full and on time I think at least a portion of those payments should count toward my Public Service Loan Forgiveness. Unfortunately when I called FedLoan Servicing to inquire about this they told me there was no appeal process. This left me at a loss and very disheartened. Given that the language in the letter I received stated that " MOST of your payments must be made ... '' under qualifying repayment plans I think at least a portion of the previous payments made should count towards my forgiveness.
I contacted Transunion on XX/XX/XXXX regarding hard inquiries. After reviewing my credit report I noticed that I had been a victim of their inquiry issue, where there were hard inquiries added to my credit report that I did not give authorization for. The customer service woman refused to listen to me and kept talking over me after she asked me a question. She told me I needed to contact the companies myself, which I explained to her that I already had contacted these companies. She then proceeds to tell me that if I do not contact the creditor there is nothing she can do. Transunion reinserted previously deleted information so why would I need to reach out to the creditor when this is their problem? 

These are the inquiries that are a problem ( along with many more ) : XXXXXXXX XXXX XXXX XXXX XXXX, National Credit Cards/Airlines XXXX XX/XX/XXXX, National Credit Cards/Airlines XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX, Bank XXXX XX/XX/XXXX, Bank XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance  XXXX XXXX XX/XX/XXXX, Automotive XXXX XXXX XX/XX/XXXX Finance
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX sold a XXXX XXXX XXXX to myself with a co-signer XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, they claim that I would have to sign a NEW CONTRACT and a NEW PROMISSORY NOTE ( # 2 ). We both resign the contract and I noticed that the original creditor never signed to contract anywhere. I tried to endorse the NOTE " Pay to the Order of the United States of America without Recourse '' originally but the resign was all electronic so i was not able to make the endorsement of the NOTE as I am the MAKER and Owner of the NOTE. The account was sold to CREDIT ACCEPTANCE CORP. I sent DEBT VALIDATION DOCUMENTS demanding that they validate the DEBT and they have failed to do so to this date. The COLLECTION AGENCY admitted that they didn't HAVE THE ORIGINAL PROMISSORY NOTE and I concluded that they do not have the RIGHTS or STANDING to collect the debt. On XX/XX/XXXX, CREDIT ACCEPTANCE CORP tried to ILLEGALLY REPOSSESS THE VEHICLE, resulting in myself hiding the vehicle until they can legally VALIDATE THE DEBT. I have recorded conversations with COLLECTOR where they claim they have a signed contract between myself, co-signer and CREDIT ACCEPTANCE CORP and have failed to produce any proof of a VALID AGREEMENT AND/OR CONTRACT. They are in DISHONOR!
Im trying to help my son with starting his business and he needed me to cosign for him a business loan. We went to the bank and I was approved because of items on my credit that is not mine. My son has finally got his life together and it hurts me to know that I cant be of help to him. I contacted the police and the FTC. Please remove the items from my credit report. XXXX, XXXX and XXXX/XXXX.
Repeatedly called and called my husband and disclosed my debt to him as well as threatened me with legal action. Claimed they sent me notice in mail did not receive so sent me email instead. I wanted written verification and said they could not do that.
I have a checking account in JPMorgan Chase. On XX/XX/XXXX I sent a check to my landlord for {$1000.00} for that month 's rent. The check was cashed on XX/XX/XXXX. When I saw on my chase on- line account that my check was cashed as far as I knew my landlord had received the check. The transaction was authorized by a JPMorgan Chase Bank. Due to various differences of payment allocation between myself and my landlord, I was unaware of what really occurred in regard to this transaction until many months later.

What apparently happened was that JPMorgan Chase accepted the check for {$1000.00} even though it was not endorsed. For various reasons which are beyond the scope of this complaint, I only found out from my landlord onXX/XX/XXXX, that my landlord claimed to have never received the check that I sent on XX/XX/XXXX. I told my landlord that the check was cashed but when they asked for a copy of the front and back of the check we discovered that it was not endorsed. 
When I called JPMorgan Chase to see if they can help me find out which bank made the mistake of accepting an unendorsed check and to see if they can help me reclaim it they said they would investigate the matter. They reported back to me after the investigation that the check was either cashed or deposited in a JPMorgan Chase account. The bank representative told me that they know who cashed or deposited the check and that it was a Chase customer. However, since it was beyond the time frame of 6 Months as a bank they are not able to give the information and were also not able to reimburse the money to me.

When I spoke with another JPMorgan Chase representative about the fact that as a bank they are a responsible party for accepting a check that was unendorsed, he reported different information to me. Specifically, his response to me was that my claim was submitted exactly one day past the 365 days they have for such claims. The date for the filing of my claim according to JPMorgan Chase was XX/XX/XXXX. This is the date they use on the denial they sent me. However, they fail to give the reference number of my claim. According to my records I had a number for the claim prior to XX/XX/XXXX. 
Either way JPMorgan has accepted an unendorsed check. They also have the information of the thief. They are refusing to take responsibility for this very basic error on their part, and they are also effectively collaborating with another client of theirs which according to their own admission is a thief.
I have accumulated, over 4 years, money orders which I have stashed in a drawer in the event I ca n't pay my necessary utility bills, were I to have no work. 

Recently, I got them out and gave one, which I had left blank, to a repairperson who took it to his bank and came back with it saying it was outdated. That 's how I discovered that all these money orders, from Amscot, which I have been saving are " outdated ''. The Amscot teller said I had to read the back, which informs people, in very small print compared to everything else printed on the money order, that there is a 1 year expiration date. I have many times over the years, in the past received checks from companies, and they had printed ON THE FRONT, in regular or larger than regular letters a " valid until ... date ''. My question is why this should not be standard for the AMSCOT vehicles as well? Put this vital information where you see it, and not hidden, as it were. Do other companies have the option to put expiration dates on the back in tiny print? 
I 'm writing because I have lost considerable value to my checks as I return them to AMSCOT.
1. The loan servicer is PennyMac Loan Services. 
2. The Loan Number is XXXX. 
3. XXXX states the investor is XXXX XXXX. I have confirmed with XXXX XXXX directly tha they are not the investor. 
4. I also called XXXX XXXX and they confirmed they are not the investor. 
5. The only other possibility is that the loan is in a pooled Trust. 

6. I have sent PennyMac Loan Services 10 Qualified Written Requests by affidavit to acquire certified copies of the Promissory Note and the Deed plus information about a forensic audit to determine who the investor ( s ) is/are. For the past 3 years PennyMac Loan Services has refused to respond to any QWR. 

7. PennyMac has also modified the loan over 50 times by accounting fraud and fraudulent insurance and is forcing me to pay for these modifications in violation of a 2015 Superior Court judgement when the court ordered them to stop and pay restitution. They have refused to follow the court order and are threatening foreclosure if I don't pay them.. even though I have made every single payment on time with extra principal they insist I own them more money even after the court judgment against them. 

I am requesting assistance from the CFPB to please instruct PennyMac Loan Services to immediately respond to the Qualified Written Request and provide the requested information, including certified copies of the Promissory Note, the Deed and Title, and the investment Trust information for the forensic audit.
Spoke with rep in regards to this account ask for " FULL VALIDATION '' COPY OF ORIGINAL CONTRACTS NO REPONSE. STILL RECIEVE PHONE CALLS.
American Express cancelled my XXXX XXXX XXXX cards and replaced it with a XXXX Card. The day I received my new XXXX, I saw an Offer on American Express 's Website stating " WELCOME OFFER Earn {$150.00} Back after you spend {$1000.00} in purchases on your new Card in your first 3 months. You will receive {$150.00} back in the form of a statement credit. '' Thus I telephoned American Express and asked for the Preferred Blue Cash Rewards card, and was approved over the phone, and sent this new card. At the time of my request I did not have this product, and also never had this product. Since I qualify for this offer according to American Expresses published terms, this officer should be added to my account, but American Express over the phone has stated the offer is only for new customers. The publisher offers terms does not state it is only for new customers! Please contact American Express, and let them know that I did qualify for this offer. 

The Terms of the offer state " OFFER TERMS Welcome bonus offer not available to applicants who have or have had this product. 

{$150.00} Statement Credit To qualify for the {$150.00} statement credit, you must make purchases with your Blue Cash Preferred ( R ) Card from American Express that total {$1000.00} or more within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend {$1000.00} may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ) .The statement credit will be applied 6-8 weeks after the spend threshold is met. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card Account. Purchases to meet the spend requirement do NOT include fees or interest charges, balance transfers, cash advances, purchases of traveler 's checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents. Additional Card Members on your account are not eligible for this offer. To receive the {$150.00} statement credit, your Card account must be active, in good standing, and not in default at the time the statement credit is posted to your Card account. For questions regarding your Card account, please call the number on the back of your Card. American Express reserves the right to modify or revoke offer at any time.
On XXXX XXXX, 2018 I sent Resurgent Capital Services a debt validation letter by certified mail asking them to provide me with the following ... 
- Agreement with your client that grants you the authority to collect on this alleged debt. 
- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
- Any insurance claims been made by any creditor regarding this account. 
- Any Judgments obtained by any creditor regarding this account. 
- Name and address of alleged creditor. 
- Name on file of alleged debtor. 
- Alleged account number. 
- Address on file for alleged debtor. 
- Amount of alleged debt. 
- Date this alleged debt became payable. 
- Date of original charge off or delinquency. 
- Verification that this debt was assigned or sold to collector. 
- Complete accounting of alleged debt. 
- Commission for debt collector if collection efforts are successful They failed to do so. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt they give up their rights to collect on the debt BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

Resurgent Capital Services has failed to validate this debt as they have not sent anything to validate the debt, the letter they sent just states they have initiated a review of the account which is not validating the debt. Under the FCRA and FDCPA it requires you to verify the validity of the debt within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of invalidated debt here as the debt was not properly verified because they did not properly validate the debt and I urge you to remove this item before I am forced to take legal action.
Experian is currently reporting a reinserted debt on my credit file from  XXXX   XXXX . It was first reported in  XXXX  ( report #  XXXX   XXXX . I disputed the debt with  XXXX   XXXX  through the CFPB on  XXXX / XXXX / XXXX . it was then deleted. now in  XXXX  the debt is re-reporting on my credit report. This is a violation of my rights and the credit laws. I tried disputing the reinsert with Experian was given the response that it was verified. I contacted  XXXX  and was never given a  XXXX . this account is not mine, i never opened an account with  XXXX . i have not received a response from  XXXX  and the dispute was submitted on  XXXX / XXXX / XXXX . This debt was removed from all other credit bureaus but Experian is still reporting it after it was previously deleted in  XXXX