WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Americollect Collection Agencya debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company I letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX. There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Americollect Collection Agency and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. In XXXX of my uploaded documents, Americollect claims that I mailed them some sort of document in XXXX and in XXXX of this year. This is false. I disputed this debt with the credit reporting bureau 's previously this year. I disputed out online and each time I never received results, or any type of document to prove this is my debt. That is why I physically drafted my own debt validation letter and mailed it to Americollect because I 'm tired of being taken advantage of. Also in the Americollect response letter I uploaded, they ignore my resolution. I feel they do not get a XXXX chance to to validate this debt. I gave them XXXX chances already this year, and I was ignored. I 'm trying to take the responsible approach to handle this debt, and they are treating me unfairly. They as a company need to respond in a timely fashion to my debt validation requests, not when they feel like it, or when I have their attention with this complaint in fear of legal responses. Also, they state they mailed me documents in response to letters I allegedly sent them earlier this year. This statement is false. I never received anything. Please show me XXXX slips that I signed and received they 're letters? If you ca n't furnish such proof then I 'm not sure what to tell you. But I think it is a lie to cover up something. Please delete the reporting of this debt from the reporting bureau 's.
Ocwen Loan Servicing used Falsified documents to foreclose on my property. I have submitted verifiable proof of fraud and forgery in the recorded chain of title in regard to critical foreclosure XXXX County Supreme Court Index No. XXXX Their Improper assignments were recorded in the county land records offices. Improper assignments were submitted to the Court in support of foreclosure motions Improper assignments were accepted by the Court as valid assignments that substantiated the foreclosure. The Corporation of Assignment of mortgage by Ocwen loan servicing on XX/XX/XXXX with of seller servicing number of XXXX XXXX, old servicing number XXXX XXXX is signed by Fraudulent Public Notary. Book/Page XXXX Instrument No.  XXXXThe Corporate Assignment of Date of assignmentXX/XX/XXXX between Ocwen Loan Servicing LLC and XXXX XXXX XXXX XXXX Please note XXXX XXXX Commission No. XXXX with a commission expiration ofXX/XX/XXXX in State of Iowa , County of XXXX XXXX is not valid. I have attached proof. I was foreclosed upon based upon falsified document. The bank submitted several different promissory not submitted as proof of ownership. In prior CFPB complaint, I requested XXXX XXXX XXXX to submit a copy of Promissory Note, no which appeal like ones submitted by Ocwen or its predecessors. I would as them to return ownership of my home asap. In previous complaint XXXX I am requesting document proof of servicing contract in regard to prove XXXX was my investor. Ocwen reputed my claims of robo signing. The multitude of homeowner of cases and settlements in every state proves other wise.
XXXX credit card, auto payments stopped around XX/XX/XXXX, was not aware due to I was in the middle of a Military move and preparing for a deployment. 

Was notified by XXXX that they had taken over my XXXX  card account, so worked with them to address the issue rather than run from the problem. 

Due to deployment I was not monitoring as I should have been. ( Now I check weekly and I am fixing my creidt ) Paid to debt collector : XXXX XXXX, ( have letter of statement saying account paid in full from XXXX. 

Payments in 3 deposits from XX/XX/XXXX to XX/XX/XXXX ( every 15 days ) totaling in {$1900.00}. 

Tried to dispute with all 3 Agencies, no help. Just adjusted verbiage on report.
On XX/XX/XXXX, without prior notice or an explanation. Chase closed all my open credit cards with them. I have been both a personal and business customer with them for many years. I had both my business and personal accounts closed. I attempted to get an explanation from Chase and was only told that I had added too many authorized users to one of my cards. I explained why I added the authorized users and that I only had a handful of authorized users. I had added authorized users to that specific card because it was the one I checked most frequently so it was the easiest for me to monitor to ensure my users were spending appropriately.
The retail company switched the finance company which handled their company credit card. Through the process they discontinued my auto pay and did not notify me of the change although they had my contact information. They finally called me when my account was 32 days late to inform me my account was 30 days delinquent. I have since brought my account current and setup auto pay once again, but they refuse to remove the XXXX missed payment in my credit history, which was due their internal process errors and lack of proper notification
I bought a computer from XXXX XXXX but started having problems with them around XX/XX/2015 when XXXX contacted me. I did not know who XXXX was so I called XXXX instead. they stated that they were unable to process my XXXX card. After calling XXXX and XXXX back I was told to now give XXXX the number on the front of the card and NOT the banking and routing number as they previously asked. then everything was fine and they gave me back all late charges they had charged me. They NEVER called me, emailed me or mailed me anything. when I asked them why, they responded that they do not do that?! then a few months later XXXX called me again to say that it was still an issue. I called XXXX, spoke with a supervisor and all was fixed. ALL LATE FEES were given back to me and they were very apologetic. then I found out that they reported these late fees to credit reports. when I called bestbuy again, they agreed they were at fault, apologized again and said that they would fix this with the credit reporting, which they never did. I filed a compliant with Experian but still nothing has happened, Experian says that according to bestbuy I had a late payment in XX/XX/2015. I have a statement from XXXX XXXX showing ( XX/XX/2015 ) that the late fee from XX/XX/2015 was returned to me. I also have a complete list of all charges, fees, etc and none are late fees. I never had a late payment with bestbuy and all of the late charged were returned to me. I have proof of this and will forward it to you as I did with Experian. After I paid XXXX off, they will not speak to me.
XXXX XXXX XXXX owes money and her debt collectors Navient keeps calling and sent a letter looking for XXXX. I have contacted lawyers and can not contact the company directly however have told them several times not to call me I do not owe a XXXX. They call my cell number and my mothers landline. I never ever gave any info for the job reference for XXXX just my name and number. I never consigned anything. My mothers number is on the do not call list. Her number is XXXX and my cell is XXXX Numbers that Navient uses are XXXX. XXXX. XXXX. XXXX. XXXX
So I have been contacted almost every day and multiple times a day about my car loan. The first time I answered I tried to get transferred to a supervisor and while on hold I was hung up on. So I immediately XXXX the number and most people said it was a scam ( as they ask for your social security number before you can talk to someone ... not to mention you can barely understand who youre talking to ) I repeatedly kept getting calls. Hadnt answered after that and I never received voicemails. I never received anything about it in the mail.

Two years down the road I applied for a mortgage. My credit was horrible and the guy trying to get me a loan told me it was my car loan. He told me I should call Nissan to get clarification on the 25 late payments ... as Im sure Ive payed every month the correct total. ( Its been on auto pay since the day I bought my car ).

They tell me A year into my loan I missed one payment. Im still not sure how thats possible as Ive set up auto pay years back .... and they can see Ive made auto pay payments months after that ... so somehow my payment for 1 month wasnt processed and now for the past two years Ive been apparently making ( auto pay ) late payments.

It has taken my credit score down further than I even thought it could go.. and now Im terrified I will never be able to fix it and get a mortgage.

Ive tried to disputed it through the company and they continued to call me and not inform me if my request was denied or accepted.

Extremely frustrated, I answered again and requested to talk to a supervisor. He told me that my request to dispute was denied because its my fault my auto pay didnt get processed properly.

I have gotten nothing in the mail notifying me ... nothing for 2 years!!!

Now they will not stop calling me and Im apparently stuck with a big bill of late fees and a horrible credit score that I feel is incorrectly reported.
On XX/XX/2018 I made a Wire Transfer of {$5100.00} to a Bank in XXXX. I did this wire transfer at my Bank Wells Fargo. I did receive a call from my bank that same day or the next asking if I made a wire transfer, I responded yes. 

On XX/XX/2018 my wife and myself took vacation and we were out of the USA until XX/XX/2018. Wells Fargo made a second Wire Transfer of {$5100.00} to XXXX without any autherization from us. The Wire Transfer went to the same place. 

I have been fighting with Wells Fargo to see if they can Deposit the money to our account so we can make payments that we need. We have bounce checks for insufficient funds and have no money to cover other bills. 

Wells Fargo could not produce a second document signed by me or my wife authorizing the Wire Transfer of {$5100.00} on XX/XX/2018. 

The bank employee and the Bank Manager agree that is was the Fault of  Wells Fargo, but have not made an effort to cover our expensive or temporary deposit the {$5100.00} in our account.
I have been a victim of identity theft for over five years. I have filed multiple complaints and disputes with XXXX, XXXX, TransUnion and the Federal Trade Commission. On numerous occasions, XXXX, XXXX and TransUnion has blocked and/or froze my file, which hindered me from getting a copy of credit bureau reports and the deletion of erroneous information. My consumer credit rights, have been continually violated and disputes have been ignored. I have sent in countless copies of my drivers license and social security card, yet the erouneous information remains. 

I currently have the following listed on my reports : ( XXXX ) Collection accounts that were not opened by me ( XXXX ) Credit inquires that I did not authorize. 
( XXXX ) Addresses in multiple states that do not belong to me. 
( XXXX ) Social Security card numbers ( XXXX ) Date of births including years ( XXXX ) Employers, XXXX of which I have never worked for. 

I am requesting that my credit bureau reports be accurately adjusted to reflect the truth!
I have initiated the payment for XXXX several times for account XXXX the payment has been rejected with the Pro Collect representatives attempting to collect an amount that is over XXXX.
An international buyer from the XXXX purchased a XXXX XXXX XXXX. The buyer requested an invoice which I sent. The buyer paid for regular international postage and no insurance. The buyer transferred the funds via Paypal. The buyer and I were in regular communication since I had never sent a package internationally to a buyer. When the large flat envelope was ready to be shipped, the Paypal account included mail service. The buyer did not pay for insured mail. The buyer then filed a complaint with Paypal. So, I sent the item to him via regular mail per the invoice. On XX/XX/XXXX, I mailed the envelope. Paypal refunded the buyer the money. Paypal claimed they had no verification I sent him the package. I did. But the buyer did not pay for insurance. The invoice states the parcel will be sent via regular international mail. Protection is not mentioned. The buyer received the invoice before transmitting the funds and voiced no objections. Mailing costs were a concern to him. 

But the buyer did not pay sufficient postage for tracking and the invoice clearly states, the package would be sent uninsured via regular international mail which it was sent. In fact, a complaint was filed with the USPS when I purchased the stamps since the postal worker was nasty. Everything is paper trained. 

Paypal refunded the buyer his money, while still charging me a fee and I received no funds despite sending the package to the XXXX. Paypal is participating in theft and fraud and a scam by the buyer.
I have an unauthorized inquire on my XXXX report. below is the information : Institution Information Amex XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date : Inquiry from XX/XX/2017
I have received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. These attorneys are not licensed by the Louisiana state bar. The letter states that I should pay them {$5600.00} for a XXXX XXXX   account. Rausch Sturm said their client is XXXX XXXX and all payments should be given to rausch sturm. 

The account in question ending in XXXX was already disputed to XXXX. A dispute has been sent to Rausch sturm also. The dispute points are. 

The account was closed in XX/XX/XXXX due to non payment. This account is outside Louisiana statute of limitations for them to harass me to suit. 

XXXX and Rausch sturm both state that I owe a balance of {$5600.00}. I have a statement from XXXX and on my credit report stating the outstanding balance is {$5700.00} Also I have a letter dated XX/XX/XXXX stating this account was a loan. It is showing on XXXX  and rausch sturm that it is a credit card. 

Due to these many issues XXXX  and rausch sturm need to cease collecting efforts as well as delete the trade line for collection on my credit report.
This will be my third case made with the CFPB regarding the same matter. It's regarding a cashed balance transfer check by an unknown person with an account involving XXXX XXXX. This will also be my second time filing a complaint with Capital One. This matter has been ongoing for almost six months. Every time I've dealt with Capital One, I've been given the run around only to be told it's another institutions problem. Both XXXX XXXX, and XXXX have concluded that Capital One needs to be the party to handle this investigation, because they issued the check. I am currently paying interest on my Capital One Credit card account for an amount of {$3400.00}, that I did not charge myself. It has affected my credit and not to mention the anxiety and frustration I have felt for six months. I feel like Capital One is not taking accountability, and not doing everything possible to see this matter through. An unknown source cashed a check and received the amount of XXXX, and I am paying the price for it. It is fraud or theft and no one is taking it seriously. I want this matter resolved once and for all, or my next step will be to seek legal action.
On my credit report, i have a credit card from my bank ( XXXX XXXX XXXX ). Its reporting that i have missed a payment in XXXX. I have never miss any payments for my credit card. This information is reporting incorrectly.
I WENT ONTO XXXX XXXX XXXX XXXX LOOKING FOR A ITEM ON XX/XX/XXXX, I PUT A ITEM IN THE CART AND AS I DID AN ADD FLASHED UP ON THE CREEN IN A BOX AND SAID IF I APPLIED AND WAS ACCEPTED I WOULD RECEIVE {$15.00} OFF MY FIRST TOTTAL OF PURSHASE, SO I AAPLIED AND WAS APPROVED. THEN I TRY TO ORDER BUT NEVER RECEIVED A COUPON OR TEMPORARY NUMBER TO SO I COULD PLACE MY ORDER? SO I CALL THE BANK AND WAS TOLD OR WERE SORRY YOU SHOULD HAVE RECEIVED A EMAIL AS SOON AS IT WAS APPROVED? BUT I NEVER DID, SO SHE SAID ILL HAVE TO WAIT TILL MY CARD CAME IN THE MAIL, SO 9 DAYS LATER I RECEIVED MY CREDIT CARD, BUT NO COUPON FOR THE XXXX XXXX OFF. SO I CALLED THE BANK AND THEY PASSED THE BUCK TO XXXX XXXX XXXX CUSTOMER SERVICE DEPT, THEN THEY SAID THEY DIDN'T KNOW WHY THE BANK SAID TO CALL THEM THAT THEY DIDN'T HAVE ANYTHING TO DO WITH IT TO CALL THE BANK BACK SO I DID, THEN THE REPRESENTATIVE FROM THE BANK SAID WE DON'T HANDLE THE DISCOUNTS ETC,, SO I GOT XXXX AND ASKED TO SPEAK TO A SUPERVISOR, EXPLAINED TO HER WHAT WAS GOING ON AND SHE AT FIRST SAID THE SAME THING THEY DON'T HANDLE THE DISCOUNT COUPONS OR SPECIALS I SAID THIS IS XXXX AND KINDA LET HER HAVE IT IN A PROFESSIONAL WAY, TOLD THE PRIOR REP THAT I WAS GOING TO MAKE A COMPLAINT WITH YOUR DEBT, FINALLY SHE SAID TO HOLD ON MINUTE SHE WOULD TRY TO SEE WHAT SHE COULD DO, SO SHE GOT BACK ON AND SAID THE WAS A PROMOTION IF YOU AGREED TO A TEXT I WOULD THEN RECEIVE XXXX CREDIT TO MY ACCOUNT I SAID FINE I'LL DO IT, THEN SHE SAID FOR ALL MY HASSLE THAT SHE WOULD AS A COURTESY APPLY THE XXXX TO MY ACCOUNT AND IT WOULD SHOW UP ON MY NEXT STATEMENT. I FEEL THIS WAY OF CONNING PEOPLE BASICALLY DOING A BAIT AND SWITCH TO GET YOU TO SIGN UP FOR CARD IS UNETHICAL AND UNPROFESSIONAL .AND SHOULD BE ILLEGAL.AND THEY SHOULD GET IN TROUBLE FOR THESE PRACTICES.
I owed XXXX XXXX for equipment I mailed it all back and paid the final bill the collection agencies will not take it off my report
I have a American Express XXXX XXXX XXXX which has a feature of upto {$100.00} Airline Fee Credit for incidental fees ( e.g., baggage fees, flight-change fees etc. ). It has been more than 3 months since I had used the card for the selected airline checked bag fees for {$50.00} and I have n't seen the credit yet on my account. I have called more their customer service m XXXX times and have been transferred from XXXX agent to another ( atleast 30 minutes call each time ) but no one is able to help me out yet. Once the agent promised that I will see the credit about 2 months ago, but I have n't seen the credit yet. The airline is disingenuous in promoting this benefit to the cardholders. I am currently in the process of moving to a XXXX and I will be responsible for paying this fees as I have to close my XXXX account. I want to write a formal request for AMEX to make this process transparent.
Received an alert on XXXX XXXX, 2017 stating that I had an opened account with XXXX XXXX for {$610.00}. Up until this day, I had never even heard of this company. This is showing up as derogatory on my credit report. I have made numerous attempts via mail and phone calls for someone at this company to validate this debt and or payment history along with a signed and legal binding contract between them and I. As of today, nothing. Please delete the account from my credit report for all 3 bureaus ( XXXX, XXXX and XXXX ). If the account is not deleted, I will be forced to contact the BBB and legal counsel to file suit.
By way of this notice, I want to provide my complaints about Chase Bank USA , N.A . and JPMorgan Chase Bank , N.A . ( collectively, " Chase '' ). 
Chase hires and routinely deals with unscrupulous appraisers that are providing low ball appraisal figures on consumers homes in order to benefit themselves. Specifically, they used XXXX XXXX, XXXX who appears to have subcontracted XXXX. The consumer spoke to XXXX XXXX XXXX. His appraiser I.D . is XXXX. He holds the opinion that Chase would not send him any work unless he provided the most conservative figures when appraising homes. Chase also delayed in its process to close on my refinance deal after its appraiser was placed on the watch list. During the period of delays Chase unjustly enriched themselves by charging the consumer higher rates of interest with respect to a line of credit that turned into an arm. Chase came up with various excuses for delaying the refinance deal ranging from not being able to IRS transcripts on time, appraisal expired, and finally now the truth which is that Chase could not get their investors to accept its hired appraisers ' work. XXXX XXXX XXXX ( Chase Processor ) and XXXX XXXX XXXX ( Chase Supervisor ) repeatedly failed to answer phone calls and emails, and left this consumer in the dark. We repeatedly spoke to XXXX XXXX XXXX and learned that XXXX XXXX XXXX was mis-informing us. In fact, it was quite normal for XXXX Chase employee to routinely contradict what the other was saying.During the past several months while in this process Chase has been unjustly enriched itself by delaying the approval of my refinance loan while profiting off the additional interests its charging on the existing line of credit while failing to approve our refinance deal. We have hundreds of emails and Chase statements to confirm the abovementioned. The only Chase employee who has remained truthful during this entire process is XXXX XXXX XXXX.
I have a XXXX ( Barclays ) credit card that I've used to make purchases off of XXXX since XX/XX/XXXX. I had never been charged a cash advance fee for purchases from this site. However, starting in XXXX of this year ( XX/XX/XXXX) I began to get charged cash advance fees. Barclays said they did this because coinbase change the reporting of what they were to currency which now equates to a cash advance. This is fine. My problem is that Barclays never communicated this change and I have now racked up {$290.00} in cash advance fees that I knew nothing about. They will not remove these charges even though nothing was communicated to end users about an internal change. 

https : //www.barclaycardus.com/
REF : Case No : SERVICE OF COURT DOCUMENT - CASE NUMBER XXXX foreclosure auction is being conducted illegally as the plaintiff, BB & T has violated Federal Law regarding Dual Tracking. 
I was not given ample time to come to an amicable agreement with the plaintiff and their services. I was not given time torefinance or use the HARP program or Short Sell. 

Furthermore, the plaintiff took the case out of the hands of the civil circuit court saying they were unable to judicate thecase and proceeds with the auction. 

I will be persuing several agencies regarding the legal conduct of BB & T and suing for damages unless this auction is cancelled and I am givenample time to pursue my other options. I will sue for damages. 

The judge did not approve the Plaintiffs or my own motions. 

This is a motion for a new trial by a FEDERAL court who can judiciate such a case. 
The plaintiff has been unable to give me a payout amount or provide orignial documents. The plaintiff did NOTProvide a loss mitigation package when XXXX was requested even though they have my request on file and no record ofsending XXXX. 

I am a XXXX mother of XXXX children who has been actively working on this for over a year with NO assistance from the plaintiff, despite my MANY attempts to work with the lender toward a mortgage modification and a hardest hit package. 

Sincerely, XXXX XXXXCASE NUMBER XXXX
Asset Recovery Solutions , LLC is trying to collect a credit card debt that is not mine. Someone stole my information and opened a XXXX XXXX XXXX card with my information. 
They called my wife 's cell # and demanded she verified all my information thereafter demanding she paid my debt. The phone # they called my wife from is XXXX. 
XXXX XXXX has been trying to take money out of my XXXXXXXX XXXX account to pay the credit card. I called XXXX and put a stop to the payments. I haven't been able to resolve the issue with XXXX XXXX and now Asset Recovery Solutions , LLC is calling my wife for payment.