WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ) was mailed a letter requesting validation of a deb they had sent me notice of. 
Validation was requested in a timely manner based on lawful requirements, made within 30-days of receipt of their notice dated XXXX XXXX and received XXXX XXXX XXXX. 
My communications with Debt Collectors is generally duplicated, involving BOTH fax and USPS Priorirty Mail ( which includes free tracking ). 

XXXX XXXX failed to provide any validation. 

XXXX XXXX proceeded with further collection activity as evidenced by their correspondence of XXXX XXXX XXXX demanding full payment of the {$990.00} they claimed to be owed. 

Pursuant to the FDCPA, All Collection Activity Was Immediately Stayed Once I Provided A Timely Request For Validation Until Such Time As Validation Is Provided. HOWEVER, XXXX XXXX proceeded to demand payment in full without providing any validation as requested and required. 

By proceeding with collection activity and demanding payment, XXXX XXXX did violate the FDCPA and XXXX XXXX did violate the XXXX XXXX Consent Order which XXXX XXXX voluntarily entered into with CFPB. 


On XXXX XXXX, XXXX XXXX did author correspondence to me, providing me copies of THREE billing statements claiming that such did validate their claim ALTHOUGH SAID STATEMENTS FAILED TO IDENTIFY ADEQUATE INFORMATION TO VRIFY TH LEGITAMACY OF THE ACCOUNT OR CHANRGES MADE TO THE ACCOUNT. 

On XXXX XXXX, IN A SEPARATE WRITTEN COMMUNICATION, XXXX XXXX also provided documents requesting additional information concerning possible identity theft or mis-use of the alleged account. 

BOTH letters DATED XXXX XXXX were received XXXX XXXX. 

ONE DAY LATER, on XXXX XXXX, XXXX XXXX did author correspondence informing me that I had failed to respond with the additional information they had " previously requested '' and advising me that they were unable to investigate any claims of identity theft without said information. Said notices also received XXXX XXXX XXXX. 

It is clearly UNREASONABLE to expect a person to respond with information and documents that were requested via US Mail ONE OR FEWER DAYS PRIOR, as clearly documents mailed on or after XXXX XXXX would not have been received by the alleged debtor as of XXXX XXXX. 

In that XXXX XXXX has elected to respond and act as if I am 100 % To Blame for all of the failures of XXXX XXXX .... I have elected to file formal complaints with the CFPB and with the State Attorney General 's Office. FURTHER, I am preserving all of my rights to file suit, directly or as a counter action, against XXXX XXXX and any other party who may contact me or attempt to collect this debt based on XXXX failure to provide debt validation as required prior to proceeding with collection activity and demand for payment. 

This matter has been turned over to my legal counsel. Any and all information and communications provided to XXXX XXXX will be done so by my legal counsel and will take place when and if counsel believes it to be in my best interest.
I have been alerted by XXXX Credit Bureau that my XX/XX/XXXX payment to XXXX XXXX XXXX ( Number XXXX ) is showing 30 days late. I have thoroughly reviewed my accounts payment history and confirmed it with XXXX XXXX customer service representatives and it has never gone over 30 days late. I sent two letters to the company communicating that they are knowingly reporting incorrect information to the Credit Agencies.

Below is my payment history since XX/XX/XXXX. Please note that I was going through a personal financial matter at the time causing some of my payments to be returned by my bank, however, I made absolutely certain that all my payments are made on time and this is the only negative information on my credit report. 

1. XX/XX/XXXX payment of {$280.00} cleared my bank on XX/XX/XXXX. There was no delay.

2. XX/XX/XXXX payment of {$280.00} cleared my bank on XX/XX/XXXX. There was no delay.

3. XX/XX/XXXX payment of {$280.00} was returned unpaid by my bank on XX/XX/XXXX.

4. XX/XX/XXXX payment of {$280.00} was re-submitted and paid by my bank on XX/XX/XXXX.This is a 5 days delay from XX/XX/XXXX payment due date.

5. XX/XX/XXXX payment of {$280.00} was returned unpaid by my bank on XX/XX/XXXX.

6. XX/XX/XXXX payment of {$280.00} was made via phone and paid by my bank on XX/XX/XXXX. This is a 21 days delay from XX/XX/XXXX payment due date.

7. XX/XX/XXXX payment of {$280.00} was returned unpaid by my bank on XX/XX/XXXX.

8. XX/XX/XXXX payment of {$300.00} was made via phone and paid by my bank on XX/XX/XXXX. This is a 14 days delay from XX/XX/XXXX payment due date.

Thank you for your assistance in this matter.
Upon open ing my account I went to the TD Bank Online to access my account and the please allow me to say this again I login in the Online Banking and the website or TD Bank Online do not give access to my access I login to the account and then it ask me security question and change my question Please investigate this banking services ensure that it was setup according to United States Federal Reserve and United States Federal Regulation and the Bank and the Online does have access to customer account and the website and services has not been hacked into and all misconduct and mismanagement found all individuals involved be convicted according to United States Federal Regulations I contact customer regarding access account and notice the Online Banking does show my    retirement account on the staff stated that IRA and Retirement    company was close for the weekend and that they did not have a number for them to give me Please investigate if the customer service and the supervisor supposed know how contact the IRA and Retirement Account is this United States Federal Reserve and United States Federal  Regulations
When it was time to start making payments in my loans salliemai would now accept lower payment amounts. They would constantly call me everyday and I would talk to them till I was blue in the face and explain I could n't send a full payment. Finally I stopped answering and now I 'm with navient. They finally agreed to lower my payments for me but it just sucks that I couldbe been making payments tho whole time if I was n't denied before.
my card and idenity was comprimised i never used this chase freedom account for a while and the card was stolen i called this bank and went to the branch to prove to them this card was stolen this account is reflecting a balance of XXXX.+ that was never used by me it was fraud charges i filed a report with the police and they refused to credit the charges i sent proof i was in XXXX when this fraud occured there violating my rights with the fair credit and billing act the lady said XXXX remarks and thats why she denied by claim i sent my travel papers to her supervisor showing i was out of the country they still denied by claim she wanted me to go the police and get her a copy of the report and i dont have to do none of that thats her job no where does it say under the fbca i have to do that
On XXXX XXXX, 2015, I refinanced my house in order to get the mortgage in my name and out of my deceased father 's name. My mortgage was with Nationstar Mortgage LLC at the time I refinanced with another mortgage company. At closing, I was told that I would probably receive a refund. I received a refund this week but can not cash the check ( {$140.00} ) because it was issued to the ESTATE XXXX. I have called Nationstar yesterday and today to inform them that my father 's estate did not pay off this loan, I did and my name should be on the check. So far I have not resolved this matter and am very upset with the way I have been treated my Nationstar Mortgage LLC. I have demanded that they reissue the check in my name.
I have contacted XXXX XXXX on numerous occasions in regards to my XXXX XXXX credit card account. I am a XXXX XXXX credit card holder with Synchrony XXXX. For the past few weeks I have been harassed by synchrony as well as customer service reps, I have been discriminated against due to my age as well as have had to prove my identity a total of 14 times with the bank, this included me sending in my ID, social security card, proof of address, bank letters, and they even called my wife on her cell phone to ask if I am who I am. Synchrony XXXX has been contacting me and still is refusing to address my concerns they are stating that what they did to verify my identity was protocol but what they put me through was not a true protocol they even violated my privacy as a customer and called my wife on occasions and discussed my personal info to confirm wether I was who I was. I was also told to send multiple documents to the bank and they continued to place blocks on my account, due to the circumstances I did act out of character on some interactions because of the horrible things they put me through they made me feel like a true criminal, not a single executive at the bank has apologized to me for what happened. Instead the bank threatened me stating they would be closing my credit card accounts because i became irate and upset with their customer service. I have the email conversations and I would be happy to share them with you. I do not feel its fair or legal that Ive been treated this way by synchrony and now they are making threats to close my account which by law the bank can not do that. As I stated before I do apologize if I acted out of character but Im a human being and I think we can agree if any human being had to go through what I did they would have acted accordingly as well. Synchrony truly doesnt care about its customer and I hope you at the CFPB would take the time to call me at XXXX XXXX XXXX so we can discuss. Thank you so much and XXXX bless. I look forward to speaking to you soon. Wether my actions were justified or not the bank has no right to treat me the way they have treated me as a consumer and violated me in these ways.
I have asked that a Federal tax lien be removed because it has been released. The tax lien was filed XXXX and released XXXX. I informed the representative and the supervisor according to FRCA a tax lien that has been paid or released must be removed 7 years from the file date and not the release date. I was informed that tey would not remove the lien for 10 years and they did not care who I called or if I hired an attorney because according to the information they have from the FCRA a tax lien is held 10 years and once paid 7 years from the release date and not the file date. All other credit reporting agencies have removed this tax lien and agreed that the time limit is 7 years. Equifax has caused me loss and denial of credit because they refuse to remove this out dated tax lien.
In XXXX 2017 Wells Fargo Bank changed the checking account type that I have and purposely picked an account that has requirements they knew my account would not meet. Until the end of XXXX I had an Advantage Business Package Checking which did n't have fees provided I made a transfer of at least $ XXXX/month to a Savings Account for my business. Starting XXXX XXXX, 2017 my checking account was changed to the Wells Fargo Business Choice Checking account with a $ XXXX/month fee. My account met all the requirements to be moved to the Wells Fargo Simple Business Checking account but they chose instead an account that has more features than I need and also has a higher fee threshold. <P/>I did not notice I was being assessed a $ XXXX/month fee until XXXX 2017 when my account numbers were stolen by a hacker via Wells Fargo Online Banking. I was reviewing charges to determine which checks had cleared and I noticed the fees. I went into Store XXXX on XXXX XXXX, 2017 and met with XXXX XXXX XXXX and the Branch Manager XXXX to process the Lost/Stolen Account paperwork. Before we started processing the paperwork I notified XXXX that WFB had changed my account into a type of account I did n't need, want, or request and that I want a simpler checking account. I also asked for the fees to be waived and she said she would take care of it. She then processed the account transfer into the Business Choice Checking account which I did not want and also did not waive the fees before closing the Lost/Stolen Account. After all the paperwork was signed I noticed the fees had not been reversed and asked XXXX to do it, but she had already left for the day. XXXX the store manager said she could n't process a fee waiver on a closed account. I then called WFB Customer Service and they also said they could n't process a fee waiver. <P/>This is yet another example of how WFB slams fees on their customers and then comes up with excuses why they ca n't reverse the fees or make the situation right.
During the past year, I suffered illness, a XXXX, and XXXX, therefore, I was unable to respond to Bank of America, XXXX XXXX XXXX and XXXX and XXXX their attorneys. 
From years XXXX to XXXX, we have filed numerous notice of errors, qualified written request and complaints to Bank of America and XXXX XXXX XXXX, regarding the error made when posting the taxes and insurance on XXXX XXXX, XXXX, the amounts posted in connection with the implementation of the Loan Modification Agreement on XXXX XXXX, XXXX. Both Bank of America and XXXX XXXX XXXX have neglected to correct the escrow errors. The most recent complaint was filed with Consumer Financial Protection Bureau. 
On XXXX XXXX, XXXX, Bank of America posted {$7000.00} instead of {$8900.00} listed in the XXXX XXXX, XXXX, letter and the Loan Modification Clarity Commitment. ( XXXX of Transaction History faxed from Bank of America ) ( See Exhibit B, Loan Modification Clarity Statement dated, XXXX XXXX, XXXX ) ( See Exhibit C, Response from Blank and XXXX for Bank of America and XXXX XXXX XXXX dated, XXXX XXXX. XXXX ). 
My most recent response via the Consumer Financial Protection Bureau, dated XXXX XXXX, XXXX, from Bank of America 's Attorneys XXXX stated on Page XXXX, paragraphs XXXX and XXXX state the following : " Regarding your claims related to escrow account error and misapplied payments please be advised Bank of America is unable to investigate the majority of these claims, as the exhibits were not provided with the letter ... .Further, the majority of these claims are vague, conclusory, and unsupported. '' " The letter claims that a letter dated XXXX XXXX, XXXX, was received regarding the payment of taxes and insurance in the amount of {$8900.00}. Please be advised Bank of America is unable to locate such correspondence, and the Payment History does not reflect such payment ''
I have disputed with XXXX several times and they continue to verify the info that is incorrect on my credit file with Experian and that of my husband 's XXXX XXXX. We filed a complaint XXXX because the account was reporting incorrectly for months. The same info we sent Experian. XXXX verified as correct several times. At this point I want the " DISCHARGE IN BANKUPTCY '' removed from my credit file account XXXXThe other account XXXX # was reaged had a repo in violation of the stay. Lates while under Chapter XXXX Stay and Discharge etc. For both XXXX and myself on the Joint account. XXXX is asking for 60 days to fix all errors they verified previously as correct. Under the FCRA the account now should be deleted DELETE ACC # XXXX from our credit reports. Attach is evidence that the dispute was initially filed over 30 days ago for XXXX and XXXX continued to verify info that was incorrect. and bar from re-insertion.
My family is harassed by calls at all hours of the day ( including on weekends ) from ARS National Services, a debt collector, asking for an individual named XXXX XXXX. This person has never lived in my household. I have asked ARS multiple times for my number to be removed from this list yet I continue to get calls. This has been going on for months. I have asked them multiple times for the creditor they represent but they have refused to do so and have hung up on me.
This collection company stated I owe {$110.00} dollars which I know that don't owe. Called this company an asked to show proof that I owe this debt. This was reported XX/XX/2017. I request that this company show proof I owe this debt.
On XXXX XXXX, 2017 I called to place a stop payment on a check with Bank of America. On XXXX XXXX, 2017, I see the check posted, when I spoke with Bank of America customer service, they advised me that the stop was on my account correctly and XXXX XXXX put the check through a few times. The first time Bank of America stopped it but when the bank took out the check number it went through electronically and they can not do anything about that. First, I was never told over the phone or by the letter they sent to me about the stop payment did it say that if a bank puts the check through electronically it will still process. Second, when XXXX XXXX first put the check through and Bank of America stopped it then the same bank put the same amount, made out to the same person through a second time, they let it go through then. It seems very deceptive on Bank of America side, they should have stopped it for both.
I'm filing a complaint about Equifax 's Security Freeze process. I was able to easily put Security Freezes on my and my husband 's credit through XXXX and XXXX, so I know the problem is Equifax and not me. 

The Equifax website is cumbersome and there is no direct link to beginning the Security Freeze process. There is to Equifax 's Lock & Alert, but this is not what I wanted. Once I found how to do the freeze online, the system would not allow me past the Submit button. It just kept swirling and returning me to the captcha. I was able to get through once for one security freeze, but that also ended in an error message for the 'One-Time Only PDF ' so we needed to call. 

Trying through the phone process was even worse. The agents ' accents were too strong to understand and they asked questions for which we needed to look up each answer taking tons of time. We successfully completed the process for me, but not for my husband. I spent no less than 2 hours trying to accomplish this today, whereas neither XXXX or XXXX took more than 15 minutes. And they did not try to push a different product on me such as the Lock & Alert.
Specialized Loan Servicing, LLC ( SLS ) is holding a lien on my property ( XXXX XXXX XXXX, XXXX, PA XXXX ) that was paid off by a third party investor without my knowledge. In addition, SLS is demanding that I pay them $ 43,000+ when they never provided nor forwarded information addressing my concerns of the originator 's Power of Attorney and the trail of mortgage assignments.
They've sent me a resolution agreement letter offering me to pay a lesser amount in order for them to stop harassing me ... ... .Here is the information of the offenders ; When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. This often causes a pretty big drop in your score. Learn more about accounts in collections. 
Between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is XXXX XXXX XXXXXXXX. The original creditor was XXXX XXXX XXXX.
Bank of America Home Loans is charging a {$6.00} surcharge for online payments, even though the payments are on time and not late.
Hello XXXX XXXX XXXX in my previous complaint I request documentation proving that this alleged debt is in fact mine. I requested what is known as debt validation and proof of contract meaning the contract between myself and your company, Also the wet signature signed by me proving that the debt was in fact incurred by myself. Also I see in an attempt to circumvent the FDCA and my personal right to see the debt validation including but not limited to what i have already requested Yo u have decided to sue me in court in hopes of me not showing up and you receiving a Default Judgment. Well I will be showing up to the cort date and I hope to receive the hard copies of debt validation that I am requesting today and have previously requested. I intend to request the judge hold you to the Fair debt collection act standards. I will be bringing both this copy to show the judge and my previous complaint. I look forward to being heard in court. Thank you for your time. Also if you can bring the copy of notice of my rights to dispute this information that you allegedly sent me thank you for your time.
I started a deed to land contract with XXXX XXXX XXXX XX/XX/XXXX. The loan was then sold to Clear Spring Loans XX/XX/XXXX. This company then started to report this as a conventional home loan/mortgage. I have never had a home loan or mortgage with this company nor any other company and I am looking to have this and all record of it removed from my credit report. I have repeatedly contacted this company in writing and in phone calls to have this resolved and have not been given anything in writing and definitely nothing in the phone calls. They have since started to report incorrect late payments on my report and have stopped reporting ontime payments. They are intentionally hurting my credit.
On XX/XX/XXXX. I made an online purchase @ XXXX XXXX website for additional checked bags for the amount of {$300.00}. 1st checked bag {$0.00} + 2nd checked bag {$100.00} + 3rd checked bag {$200.00}. according to airline policy. 

at the counter ( airport ) we had only a total of 2 bags to check in, one free and the 2nd for {$100.00}, we were informed by the employee that there will be a refund of {$200.00}, to contact the credit card company AMEX to issue the refund. 

on XX/XX/XXXX opened dispute XXXX : answer : A letter or email detailing the resolution of your inquiry was sent to you on XX/XX/XXXX on XX/XX/XXXX reopened the same dispute XXXX : answer : A letter or email detailing the resolution of your inquiry was sent to you on XX/XX/XXXX on XX/XX/XXXX reopened the same dispute XXXX and realized that the credit card company still does not understand what happened, they thought the charges were for extra weight. 
was informed that they would request records of the total checked bags or excess weights. since the airline companies refund customer service cant be reached by phone, only through there website, and the website did not allow the claim to be filed. 
XXXX XXXX  had only sent two Unclear and Unreadable pages that did not clarify a thing but was considered solid proof for AMEX to cancel my dispute three times. 

please note that after the 3rd attempt and speaking to a manager by the name XXXX (XX/XX/XXXX )  dispute XXXX were we requested additional information, AMEX took it on its own within 12 hours to close the dispute for the 3rd time. 

all that was done by XXXX XXXX is to be unreachable and send two unreadable pages. 
AMEX Gold Card Holder with {$190.00} membership fee X 2. 

all documnetation are available upon your request.
I was charged a late payment for sending in a double payment on XX/XX/XXXX so I called them ( the person I talk to said this has been happening to a lot of people that send in extra payments ) I told him I put on the slip, payment and on the next line I put extra principal payment and they charged late fee? I called them on XX/XX/XXXX and they mailed me my late fee back. So I sent them my payment {$460.00} PLUS {$20000.00} for principal and the next statement on XX/XX/XXXX did not apply anything to my loan everything said Unapplied ( {$20000.00} ) and I am still charged interest on the original loan amount I oued in XXXX XX/XX/XXXX I got letter for wells fargo saying I requested loan modification, and I NEVER requested that, you would think they would realize I can afford my payment when I send an extra {$20000.00} with my payment .I FEEL LIKE THEY ARE COVERING SOMETHING UP, The new statement I received has the balance of XXXX but they put on XX/XX/XXXX that I have unapplied {$20000.00} please help I do n't know what to do? Also my other home with XXXX charged me 3 late payments last year for making double payments, I had to call them 3 times to get it reversed and and they kept saying my mortgage is with XXXX ( they are a loan serving co ) .i wonder how many people they do this to that dont pay attention to there statement.