WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I was constantly contacted by XXXX XXXX 's law firm with XXXX XXXX XXXX. XXXX XXXX told me that she is collecting a debt for XXXX XXXX, but was very rude on the phone. Told me I need to hurry and send money the today or I will be sent to court. She told I will be charged for breach of contract and writing a fraud check. I needed the money for a funeral and fell on hard times in which I couldn't pay the loan off immediately. She told I have to pay court cost, attorney fees, and including the loan. She told me to pay half the loan in order to get it settled. The people are very rude and told me I need to learn how to pay my bills on time or this wouldn't be happening to me. I know in Tennessee, payday loans can not aggressively send you to criminal court in which she told I could get charged for breach of contract and fraud checks. They constantly kept calling my mom and other family members. She told she will not stop calling my family until the debt is paid for which is a form of abuse. When I asked for the name of the Law firm the secretary, XXXX told me none of my business, and wouldn't spell out the name of the law firm in which XXXX XXXX uses, and told me I need to learn how to pay my bills on time. Extremely rude people and aggressive! They also known for talking over you while you trying to ask them important questions. I had to seriously tell them to let me speak so I can understand the information.
To XXXX Today at XXXX NOTIFICATION REGARDING CASE XXXX XXXX SSN : XXXX ROUTING NUMBER : XXXX CASE NUMBER- XXXX PENDING AMOUNT : {$990.00} SETTLEMENT AMOUNT : - {$430.00} Defendant XXXX We are hereby informing you that my client XXXX is going to file a legal case against you at District Court XXXX Your total outstanding with late charges, interest charges and attorney charges has been reached to {$1200.00} which is more than enough to file a lawsuit. As advised by my client, I hereby was giving you a notice before filing this case. 

Be notified that documents are being prepared for the issue of summons regarding the above debt. 

JUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being charged. 

( b ) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit. 

FAILURE to make payment after judgment of Court lead to : ( a ) Seizure of assets by a Court ( b ) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings ( c ) A Garnishee order attached to your bank accounts. 

( d ) Bankruptcy or liquidation If you are willing to resolve this case then we can provide you a onetime settlement offer of {$430.00} that has to be paid by Today as paid in full with XXXX balance. 

Kindly make sure and update us your confirmation so that we can update our accounts department to hold your case and send you further instruction in order to make the payment. 

You will receive a legal notice at your address within next 2 business days if this case remains unresolved. Our client is going to offer you the settlement amount which is {$430.00} in order to resolve this matter, It is essential that you immediately settle this account by sending settlement amount. The consequence of ignoring this notice could be very serious. 

If we have n't received any mail from your side then we will be downloading the case file to the court house and we will also inform your work place about your debt and the case file, and once the case file is forwarded to the court house then you have to pay {$4000.00} in front of the judiciary and then the settlement amount {$430.00} will not be acceptable. 

NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WITH ( XXXX-XXXX ) WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT THREE BUSINESS DAYS THAT 'S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED. 

Sincerely, XXXX XXXX
I am uploading proof that the XXXX XXXX XXXX account was deleted off my XXXX   credit report. Experian and XXXX still have not deleted it off my credit reports. This information does not belong and is supposed to be deleted.
XXXXXXXX XXXX have a debt on my credit reports that is not my debt. I sent this company an affidavit of dispute and validation and I have yet to hear back from them. The debt has been removed before because this company couldn't product anything proving it belongs to me. For some reason it is back on my reports and I wasn't notified by the credit bureaus of this. I recently check my report and see 's that is back on there. I want this off my reports because it is not my debt.
I had paid a settlement with Portfolio recovery. They agreed to take everything off my credit report if it was paid. So I paid them on XXXX XXXX and now they are refusing to remove their info from my credit report. It was a recoreded conversation. I want this removed due it its been paid and it has a XXXX balance now. I have talked to them several times about deleting this and they refuse even though that was the agreement.
Clinic : XXXX XXXX Creditor : XXXX XXXX XXXX/Ray Klein Amount : {$3100.00} Judgement court : XXXX County District Court of Washington State Bankruptcy Attorney Lawyer : XXXX XXXXXXXX XXXX I am contacting you regarding erroneous reporting by a collection agency. 
In XX/XX/2016 I discharged in a Chapter XXXX Bankruptcy a medical debt for the Clinic and Collection agency. The debt was listed on my credit report from XXXX-XXXX for {$3100.00}. 
Now that I am applying for a home loan, the collection agency has a judgment reported for the same clinic that was discharged in the bankruptcy in XXXX. 
I have contacted the collection agency and so have my bankruptcy attorney with no prevail to have the judgement removed. 
Per my bankruptcy attorney, Ray Klein was notified, I double checked schedule E/F and they appear there and the court documents indicate they were served. 

What course of action can I take as this is holding up my progress of receiving a approval for my home loan?
I purchased my home in XXXX of XXXX for an amount of XXXX through XXXX XXXX XXXX. Since the purchase of XXXX I have had 4 different loan companies acquire my loan and the current loan company is Ocwen Loan Servicing. I fell behind on my mortgage back in XX/XX/XXXX and brought it to current on that year. In late XXXX, Ocwen offered a loan modification which never went through or they did not honor. I maintained the monthly payments of approximately XXXX for about 7 months until they abruptly stopped accepting them around XXXX of XXXX. I asked why the payments were not being accepted and never got a clear explanation. Ocwen then again offered me another loan modification which put on a 3-month trial which would have ended in XX/XX/XXXX. I made the trial payments but when I went tried to pay online, the monthly amount had changed drastically from XXXX ( approximately ) to over XXXX. I am a victim of a predatory loan for which I have paid over 10 years and as early as XXXX XXXX, my XXXX loan has turn into a XXXX with Ocwen as the worse of them all.
I have never received any letter from the debt card company, XXXX, ( which was sold & probably closed all accounts without previous notice ), my payments were on auto debt, and because they without notifying me closed my account they were not able to keep charging my account. Suddenly 2 years ago I find my account in collection with JH Portfolio Debt Equities, still thinking my auto pay was taking care of that, I contacted the company and no one was able to give me more information about that account since it was too new. I contacted them several times and only after disputing through XXXX that they found out that they were sending registered letters which were not being forwarded to my new and updated address through USPS. I still wanted to pay my balance in full but in the correct amount without late fees and penalties applied by XXXX with the condition of them fixing their mistake with all credit bureaus and taking my name out as default on payment reported, but they refused! My credit was hugely and negatively impacted by their silly mistakes committed both by original lender XXXX and new debt collector JH Portfolio. Every quarter I contact them, they still ca n't do anything about it, just told me on the phone that if I pay they wo n't change my credit report with bureaus and I refuse to pay in these terms. They need to fix their mistakes and not make hard working and honest people like me to look bad even when going to buy a car. Unbelievable!!!
I filed a dispute with Bank of America due to a travel charge from XXXX for the amount of {$1900.00} on XXXX XXXX, XXXX. It took Bank of America over one month ( not until XXXX XXXX ) for them to even respond to my dispute with a letter to state they would do a provisional credit on my account. During this month that it took BOA to even do a provisional credit, I had still been in contact with XXXX to process a refund. During this time, XXXX 's representatives assured me they would process a FULL REFUND and I even had an email stating that they would honor this. However, instead of a FULL REFUND, XXXX only refunded me half of the amount. I made Bank of America aware of this and even sent in all documentation showing proof of communication with XXXX for a FULL REFUND. BOA then stated that they would send in this dispute with my documentation and that I would have to wait 45 days for the merchant to respond. XXXX then responded that they had a no refund clause and would not refund me the second half. I did not hear from BOA about the merchant 's response and had to call in to get more details. I was then told I would receive a letter stating the merchant 's response and that I could refute their response and continue the dispute. I never received this letter from BOA despite having asked for it to be mailed several times. I then wrote in my disagreement with the merchant 's response to BOA on XXXX XXXX, XXXX and was told that this dispute would then go to a third party arbitration. Up to this point, I still have not received a call or a letter from BOA about the progress on this dispute. Then surprisingly to me, I see that the provisional credit for half of the amount ( {$960.00} ) was then charged back on my card on XXXX XXXX, XXXX. I then called into BOA on XXXX XXXX, XXXX to discuss this charge back and why the dispute had not gone into arbitration. BOA simply stated that the dispute ended once the merchant responded they had a no refund policy. I then inquired why I was told it would go into arbitration and they stated that I did n't provide a credit memo and that my email was not a valid source of documentation showing proof that an XXXX agent would refund me the full amount. This has now led me to report BOA through the Consumer Financial Protection Bureau because this is unfair and unjust treatment to consumers. Not only has BOA neglected to communicate any details about the dispute, but have unwillingly tried to resolve the dispute in their customer 's favor. Instead, BOA takes a laissez-faire to disputes because it requires for them to do more work on their behalf. They also do not properly communicate anything to their consumers as I have not received any letters about the progress of this dispute or even that they would charge me back. BOA has the WORST customer service especially in regards to their dispute department and I have never experienced this type of terrible service from all other credit companies. This has now led me to believe that I should cancel my card and stick to my XXXX XXXX and XXXX cards.
I was called a total of 4-5 times in XXXX hours. I was finally able to answer and when I did so the woman on the phone did not state that she was a debt collector nor did she read a mini miranda she informed me of the balance due without verifying any information. when I spoke to the woman she informed me that if I was unable to make a payment by the company she worked for would file suit against me. I also asked her to sent me proof that she had authority to collect on said account and the original agreement in which she told me she could and instead she sent me a letter from her company on company letter head stating what was owed on the account and the original creditors name.
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX/XXXX/XXXX XXXX XXXX Card XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX BANK XXXX/XXXX/XXXX Banking XXXX CARD SVC XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Banking I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
My account was charged overdraft fees for several years without my consent into the program. When I learnt of the Cfpb rule on this practice, I contacted the bank to show me the single page opt-in consent form that I should have signed according to the cfpb rule but they could n't.
I was reviewing my credit report and found a report from ICSystem for the amount for {$400.00} that was placed on my credit in XX/XX/2018. There has never been any communication from this company ever sent to my home. I have not been allowed to dispute this debt as I did not know that it existed. As I have looked at sending communications to the company the only address that is available is a POBox in XXXX XXXX, MN. This attachment to my credit is incorrect as the proper lines of communication have not been established. I want this removed from my credit immediately.
Creditor : XXXX Credit Bureau : Transunion XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Transunion on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX   XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Transunion who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
I sent a letter via postal mail disputing a few inaccuarte accounts i found on my credit report after reviewing it. Experian replied that it was a fraud dispute. I am not going back and forth with Experian about MY CREDIT. It has been almost two months. I feel they 're LAZY and do n't want to do their job. Same goes for the other credit report agencies. I have also personally disputed these accounts with the collection agencies no response. 
1. XXXX XXXX # XXXX I have never done business with this company nor have i been contacted by this company. Please remove. 
2. XXXX XXXX XXXX XXXX XXXX I have NEVER done business with this company. 

Also XXXX XXXX is reporting late payments and I 'm sure i was NEVER late the months being reported. 

I also see a few medical bills. I am embarrassed that a collection agency has access to MY medical information. How is this even legal? Do they have a medical release form? The following accounts needs to be removed ASAP. I am not asking for a dispute but demanding removal. 
1. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX CFPB I 'M SURE YOU CAN AGREE WITH ME THAT THESE COMPANIES HAVE HAD MORE THAN ENOUGH TIME TO INVESTIGATE THESE DISPUTES SO THERE SHOULD BE NO REASON FOR A " WE NEED MORE TIME RESPONSE ''
XXXX XX/XX/2016 XXXX, TX XXXX XXXX affecting my credit ssomething that was paid over more than a year an half. i want it removed of my credit not open removed.
I have submitted several disputes to Experian for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked Experian on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and Experian will not acknowledge my request. Experian has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XX/XX/2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have Experian complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Re former complaint number XXXX which CFPB closed as it seemed satisfied with BofA 's response : If XXXX XXXX, 2017 ended the 10-day monitoring period, why did it take BofA another month and a half to return the {$1600.00} to my accounts? That is the issue that BofA continues to dodge. I want BofA to address the issue that it took TWO MONTHS to return the funds to my accounts when BofA admits they knew the charges were fraudulent on the day they happened. Please address that issue and not that BofA DID return the funds. Address why it took BofA SO LONG to return the funds.
I put money on my google voice account in 2011 when I studied abroad. I added {$25.00} in 2011, of which {$19.00} is still available for my use. I am getting spam telling me that I have " loans due '' and " owe the IRS '' ( probably its own complaint -- I know the IRS sends letters ). To stop getting these annoying messages, I asked for a refund of my money from google so I could close the account. Google refuses to refund credit from over a year ago ( even though I could still USE it ). I 'm in the military and I 'd just like my {$19.00} back and for the annoying messages to stop. I 'd lose that money to get the messages to stop, and Google says it gets to keep it. I do n't think that 's right. Please let me know if you 'd like a transcript of the conversation with google.
NO RESPONSE FROM CREDIT BUREAU PAST 30 DAY TIME LIMIT it is now 3 months. 

I sent Experian a letter that was received by them on XXXX ( delivery Confirmation attached ) in which I was disputing several items that did not belong to me due to them having someone else 's social security # listed as mine. The issue that is raised here is that I disputed a ( JUDGEMENT Item # XXXX in attached dispute letter ) since it does not belong to me. I never received a response from Experian pertaining to this Judgement, just everything else ( See EXPERIAN dispute RESULTS ) By law they had 30 days to complete the investigation, nothing was done or a response sent pertaining to the item in question. It is now considered NON COMPLIANCE XXXX XXXX Code XXXX of the FCRA. 

By law Experian should have taken one of these procedures but due to Willful NON COMPLIANCE they did not use either procedure ; -Should have re-investigated this Item within 30 days since new proof was submitted showing someone else 's Social security # as being listed on my report. No later than 5 days after the re-investigation was complete they should have contacted me. No response on judgement only other items. FCRA 611 ( 15 U.S.C. 1681I ) Subsection ( a ) ( 1 ) - Experian determines that consumer dispute is Frivolous or irrelevant they must contact consumer within 5 days from time of determination of dispute being frivolous or irrelevant. No response was received for this either. EXAMPLE OF THIS OCCURING PRIOR INVESTIGATION WITHOUT NEW PROOF WOULD RESULT IN DISPUTE BECOMING FRIVOLOUS OR IRRELEVANT & lt ; NOT IN THIS CASE. 
FCRA 611 ( 15 U.S.C. 1681I ) subsection ( a ) ( 3 )
I CONTACTED THEM FIR A SETTLEMENT DUE TO XXXX OVER THREE MONTHS AGO AND HAVE NOT BEEN GIVEN A DECISION YET.
I was never notified that my loan was transferred to Caliber Home Loans. I reached out to Caliber and was provided with a Welcome Packet in XXXX 2015. At that point I proceeded with sending in documentation to be reviewed for a loan modification. I was never given a number for HUD nor was I ever notified of a Trustee sale for this Monday, XXXX XXXX, 2015 XXXX until just last week. I know that I am supposed to be notified within 22 days of the sale and I was in fact not until just last week. I have not yet been denied for the modification but yet they are not informing me whether or not they will be postponing the foreclosure sale. I am now being forced to seek alternative options to save my house.