WillisBack/dataset-financial-user-claim huggingface dataset:
I received a robo call on my husband 's cell phone ( XX/XX/XXXX at XXXX XXXX ) and was asked to hold for a live person. Live person identified as a debt collector. First violation that they did not have authorization to call this cell number. Claimed I owed {$3700.00}. I explained that I had settled the account on XX/XX/XXXX with the hospital XXXX and had a cancelled check showing it was cashed. I also explained that another agency XXXX had contacted me in XX/XX/XXXX about the same debt and they were given the same information and I had not heard anything else from them about the debt. I sent a letter to Capio Partners LLC on XX/XX/XXXX disputing the debt and advising that they had violated the FDCPA, FRCA and TPCA with a copy of the cancelled check showing that the account was paid. I requested they send a letter to me acknowledging that they removed from my credit file and show account paid and closed. They have not sent a letter and have posted this to my credit file.
I have been charged over {$700.00} in fees in the past 30 days and TD Bank will not do anything to either reverse 1/2 or all of the fees. 
Though they made suggestions to me on how to fix the problem, I followed through and did so, still they will not work with me about the excessive fees. 
District Manager claims to have called me however I never got a call from him whatsoever.
My loan was originated by XXXX XXXX XXXX ( GWB ) XXXX XXXX XXXX  SD on XX/XX/XXXX, and on XX/XX/XXXX, the loan was sold to XXXX XXXX XXXX ( XXXX ) and was done so without a Deed of Trust ( DOT ) being delivered or recorded to the XXXX   County Registry of Deeds. As this did not stop GWB from owning the debt or XXXX from owning the debt, it made the loan an unsecured debt. The Note was signed by GWB XXXX XXXX XXXX XXXX   for the sale onXX/XX/XXXX, and XXXX  on XX/XX/XXXX submitted and got accepted my loan for XXXX XXXX XXXX XXXX created XXXX   which XXXX XXXX XXXX XXXX XXXX endorsed in blank the Note ( XXXX  ) on or about XX/XX/XXXX, as with all loan placed into the XXXX XXXX.

On XX/XX/XXXX it was discovered that there was no recorded Deed of Trust at the XXXX County Register of Deeds Office so on XX/XX/XXXX, GWB who had no remaining financial interest in the loan, illegally had recorded the DOT XXXX   recorded on XX/XX/XXXX, @ XXXX XXXX. GWB knows they sold the loan 21 days before the recording as did XXXX  who never applied for an Assignment of Deed of Trust because the act as with the initial recording is against the law.

XXXX on XX/XX/XXXX, had XXXX XXXX XXXX ( XXXX ) start mortgage servicing all XXXX XXXX   Fed Gov loans ( FHA & VA ) without purchasing as with the program XXXX XXXX has possession of the blank Notes to prevent any sale ever of the loans. Wells purchase the building the loans were housed in XXXX  WI, and hired the XXXX employees, as a physical possession was taken loan files with Wells as custodian of records as well as servicer, making it impossible for the loans to every be returned to XXXX.

On XX/XX/XXXX, the XXXX  seized XXXX and the FDIC declared it a " failed bank '', and the bank was defunct on that day. The debt stop existing as the bank stop existing and XXXX had no way to approach the court being a non-existing entity.

XX/XX/XXXX, the law firm that hired in XXXX XXXX XXXX XXXX  out of XXXX XXXX, who had their attorney that was the head of the foreclosure Dept XXXX XXXX as neither XXXX of XXXX was license to do business in Nebraska as they were not registered at the State Attorney Office, as XXXX has never been authorized to do business in NE. XXXXXXXX XXXX as an Assistant Secretary for XXXX  forged Assignment of Deed of Trust XXXX  to make it appear that GWB sold the loan to XXXX  when in fact GWB had no financial interest in the loans.

My home was illegally foreclosed on XX/XX/XXXX address XXXX XXXX XXXX XXXX ( XXXX ) NE. {$250.00} property without that debt, that was my property free of XXXX debt!
To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XX/XX/XXXXXXXX and the economy got the best of us, but I paid our tax lien of $ 20k -/+. 

The tax lien debt was tendered in 2014 and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX and XXXX XXXX of California. The BOE also went after my senior citizen mother ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt they did me in 2014 ( See attachment ), but now under XXXX XXXX. I have letters expressing the confusing and I even gave instruction to the BOE to follow up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, XXXX
i had opend a account with bank of america and i deposited a check that was sent back me not knowing the other party had no money. then without warning they closed it so i called and i got no reason just that it was closed for that reason. pleasehel. told me to contact person my self.
I sent 2 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 

2. Failed to provide copy of the original contact bearing my signature. 

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
I was informed via recorded phone call that if I paid {$20.00} a month until entire balance was paid, my credit would not be affected.
Recently I applied for one of " Navient, '' the largest student loan provider, with one of their " Income Driven Repayment Plans '' on their website. Yet my Student Loan " Amount '' and the " Interest Rate '' that I was quoted and guaranteed on their " Navient '' website was NOT what they mailed to me to  accept.
Company filed for judgement and the garnished my bank account without notifiying me of the orignal debt, court procedings or intenet to garnish my bank account.
Saturday XX/XX/XXXX I checked my credit score in the morning on XXXX  XXXX and it was XXXX, the same day in the afternoon my credit score went down 57 point with no reason
I was notified by XXXX and American Express ( AMEX ) that XXXX would be handling XXXX credit card accounts starting XXXX XXXX, XXXX. In early XXXX I received new XXXX XXXX cards ( personal and business accounts ) with the XXXX logo. I went online as instructed to register with XXXX that I had received the new cards. On XXXX XXXX I attempted to use the new XXXX XXXX cards but they did not work. I contacted XXXX first and they had no record of the cards. After many conversations with XXXX, AMEX and XXXX I was led to believe that AMEX decided no to sell my account to XXXX. At first AMEX told me they wanted to keep my account because I had been such a good customer since XXXX. I explained to the AMEX customer service rep that I had already opened a new AMEX Simply Cash card account and that I also had AMEX XXXX and AMEX XXXX XXXX co-branded cards. I further explained that I did need a fourth AMEX account and that I wanted my account transferred to XXXX as I was originally told. AMEX also told me on XXXX XXXX that XXXX was having technical issues and that my account should transfer by XXXX XXXX or XXXX at the latest. I checked back XXXX XXXX and AMEX told me that some of the accounts like mine would not transfer until early XXXX but I would get an email on XXXX XXXX explaining what would happen to my account. When I did n't receive an email from AMEX on XXXX XXXX I called again and was told my account would not transfer because XXXX refuse my account which XXXX adamantly refutes. I had credit lines totaling over {$100000.00} with AMEX and an XXXX FICO score. AMEX told me on XXXX XXXX that I would be mailed a letter that day explaining why my account did n't transfer and detailing my options. I received the letter on XXXX XXXX but there was no explanation. I called customer service again on XXXX XXXX and asked that I be given an explanation but AMEX refused. I was forced to apply for a new credit card with XXXX ( which was instantly approved ) but I did n't want to have that on my credit report.
Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX The collection agency is aggressively attempting to collect a debt that does not exist for the amount of {$200.00}. I have submitted documentation that show that amount was paid in full on XXXX XXXX 2015 to XXXX XXXX XXXX XXXX .The collection agency continues to contacts me weekly, for the said amount and has recently reported the non existing debt to the credit reporting agencies. They have made no attempt to fix their mis communication and have become increasingly aggressive in their tactics
repeated calls multiple times a day from various phone numbers If I answer, they say nothing. If I don't answer, they don't leave a message. I have called back and the name is National Credit Adjusters. I have no knowledge of this company except that they are harassing me with their calls.
I have repaid my mortgage with Coldwell Banker. While I had my mortgage with Coldwell Banker, the management of their mortgages was taken over by another company called " PHH Mortgage Questions ''. I note that my fully repaid mortgage still appears on my credit report. Why is it still there and how can it be removed. The mortgage was repaid over 7 months ago.
Contacted First Progress Bank XX/XX/XXXX and spoke to XXXX different individuals who stated they have closed the account and will have in removed within 90 days. Contacted them again in XX/XX/XXXX and they refused to discuss the account because it is closed and marked as fraud. But they still have not removed this from the credit reports from the credit bureaus.
On XX/XX/XXXX, my credit report is showing inquiries from XXXX. I did not authorize these inquiries and would like them removed immediately from my credit report. 
Name of Company XXXX Date of Inquiry - XX/XX/XXXX
Receivables Management Systems ( original creditor is XXXX XXXX ) continues to report I owe them money, however this account does NOT belong to me. I have asked them to remove this several times, it was removed on XXXX XXXX, 2015 & was put back on my credit report in XX/XX/XXXX.
Ameritech was supposed to be helping to get out of default with my student loans. I was paying the {$100.00} dollars per month and my income tax check was taken for XX/XX/2017. My income tax check was not supposed to be taken and they harassed me about making the monthly payments. Ameritech / XXXX XXXX  made my bank account overdrawn of which I had asked them not to go into my bank account because they were not helping me. I have emails to prove it. I was so upset. I do not have the money to pay my loan off and I was under the impression that I was not in default anymore due to Ameritech was supposed to be helping me. 

My first payment to them was for {$140.00}. XXXX in XX/XX/2017. The regular payments was {$100.00} per month. I was struggling to pay that amount. I want my money refunded and the amount of my income tax check and I had to pay XXXX XXXX {$100.00} dollars due to the check was taken and they would have taken their money out of my income tax refund check. I think Ameritech should give me back all of money. I am struggling to make ends meet and this happens to me when I am trying to pay student loan. My credit is destroyed when they reassured me my credit would be okay in a few months.
I have tried three times to transfer funds to a new Capital One account. Each time it never happens - this equals three hours of work!!!! I am furious! There is no one to email - you have to call customer service, be put on hold and told everything will be fine - they can't even EMAIL A CONFIRMATION! They will give you a bonus if you have a certain amount of money in a savings account, BUT THEY MAKE IT IMPOSSIBLE TO TRANSFER THE FUNDS! It is horrible!!!!
1. On XX/XX/XXXX, I pulled my free annual credit report from EQUIFAX ( Confirmation # : XXXX ) and noticed a collections account for a debt I did not owe from XXXX ( XXXX XXXX XXXX XXXX XXXX ). 2. On XX/XX/XXXX, I sent a certified letter to the name and address listed on my Equifax credit report, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, OK XXXX, stating that I disputed this debt and that it was not owed by me. 3. On XX/XX/XXXX, this certified letter to XXXX XXXX XXXX XXXX XXXX was returned to me and marked " Return to Sender. Not Deliverable as Addressed. Unable to Forward. '' 4. On XX/XX/XXXX, I sent a certified letter to EQUIFAX INFORMATION SERVICES, LLC, XXXX XXXX XXXX, XXXX, GA XXXX, stating " This letter was returned to me by the post office stating it was not deliverable as addressed and no forwarding address was left. Thus, the address listed on my credit report for this creditor is not accurate. I am requesting you to immediately remove this account from my credit report for inaccurate reporting. '' 5. On XX/XX/XXXX, Equifax responded to my later stating " they have verified this item belongs to me. '' I 'm not sure how since the address is inaccurate, not deliverable and I have no recourse to contact this alleged account to dispute the inaccuracy of this information on my credit report. 6. Under the Fair Credit Reporting Act ( FRCA ), EQUIFAX has a duty under the law to remove negative information from my credit report if it is inaccurate. I have proven this account has reported an inaccurate contact address ( as my certified letter disputing the account was returned to me by the post office as not deliverable ). Therefore, under the law, it should be deleted from my credit report. 7. To date, this negative account with an inaccurate reported contact address information remains on my credit report when it should be deleted under the FCRA.
My direct deposit was placed into an unknown account, that my name, to my knowledge not attached to. 
All statements went to a different address that I was unable to obtain. 
I requested information of my ACH deposits, however, XXXX XXXX does not allow you to speak with their ACH department. 
After long hold times, I am hung up on by representatives and have attempted to reach the employer to learn the banking information and they also refuse to assist. 
All my money for employment was placed into an account and I am unable to obtain it. 
I have also attempted to get in touch with anyone who is anyone in the XXXX company and they are at the mercy of the employer who also refuses to provide the information on the account my payroll was deposited in.
showing missed payments that were n't missed and this account is closed and purchased by XXXX and reporting old factual data
I received my billing statement dated XXXX/XXXX/2016, and noticed that the property address under the " Account Information '' section of Ditech 's new billing statement format does not include the unit number of the property. This could become a legal issue since the information on Ditech 's billing statement does not reflect accurate information, particularly the property address. I have called them many times in the past, and they were able to correct the " property address '' on their old billing statement format. Now, I have to contact them once again to correct this error. I spoke to XXXX at extension XXXX, and she suggests that I make this complaint once more, because she has no way of correcting it on her side. It is bad enough that Grant/Title Deeds do not show the exact property address even if we trace the document number filed through the County of XXXX. Please help me correct these errors, and hopefully we can start improving our housing record-keeping and eliminate problems completely.
On the XXXX of XX/XX/XXXX, My bank account had a judgment Levy without my acknowledgment and notifications letters that were sent to an address I never lived at 6 hours from where I reside. First dispute. 2nd the money taken from my bank account was saved from workers compensation checks ( from XXXX ) code ccp 704.160 in the amount of {$3800.00} which left me with {$0.00} balance and unable to pay bills even let alone gas for vehicle. Midland funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX  a 3rd party collections agency ( XXXX  ) XXXX   When I asked about proofverification of debt and why I never received any mailed letters they responded that they were sent to a city I never lived and if I didn't receive them to do my own investigations with County where I reside. Indeed I did. I filed a claim of exemption XXXX XXXX and financial statement XXXX XXXX and physically delivered XX/XX/XXXX to XXXX which was 2 hours from where I reside due to time sensitive dates due to no verification letters. They have 15 days to contest by XX/XX/XXXX and I may have to face a judge if so. My complaints are as noted no verification letters of debt, judgment letter sent to wrong address and theft of my XXXX/workers compensation money in XXXX XXXX account. XXXX   sheriffs office XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX handled all the judgment paper wk and I live in XXXX  county 2 hours away. Can C.F.P.B please help in this time-sensitive matter and reach out to Midland funding and or XXXX. Sherriffs office. I could use the great service you offer to people such as myself. Filed exemption forms on XX/XX/XXXX. Midland has 15 days to contest so anything C.F.P.B can do in this time frame would be greatly appreciated.
I would like to make a complaint on SYNCB/WALMART with an address of XXXX. XXXX XXXX XXXX Florida XXXX and an alleged balance of {$0.00}. This account violates K.S.A. 60-512 ( 1 ) and FCRA Section 605 XXXX c ) Re-aging the account. They have already sold this account to a debt collector and are failing to report it accurately. This account needs deleted under title 15 u.s.c. 1681 ( i ) and they have violated the FCRA and FDCPA according to the following codes. Kansas only allows five years to report for a written contract and this account was closed on XX/XX/XXXX and this account should have been DELETED on XX/XX/XXXX. 
1. FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by reporting negative information and this is a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX XXXX, NO. XXXX, XXXX XXXX. XXXX XXXX. 
Please investigate Syncb/wal-mart why they are reporting negative information with a balance after fiver years which is inaccurate and unverifiable information and needs to be deleted under title 15 u.s.c. 1681 ( i ). There are also now monetary damages issues concerning the negative reporting and the violations and fines of the FCRA and FDCPA which total {$1000.00} plus the extent of damages incurred by the wronged party as deemed by the courts for number 2.
I called to get assistance with a double extension - Ms XXXX laughed during the conversation - transferred me to a manager Ms XXXX who only wanted me to let her speak and kept interrupting me to state the process has changed - stated that they will only give me a single extension even though I was already told I'd get a double ext 3days ago - she didn't fix the problem nor did she attempt to help - the manager was rude and didn't care what i had to say - i couldn't even finish my first sentence before she started to stop me - the manager then transferred me to the same rep who asked what I wanted and it was at that point I decided to end the call. They still didn't give me the double ext and I refused to take a single to be further behind when I was already told to pay and get a double - i made the payment for the double and they are refusing it
There is a reported XXXX account listed on my consumer credit file with Chexsystems. I have previously disputed this account but was told by Chexsystem that the police report that I had submitted was out of date did not cover this account. This account was closed in XX/XX/2016 and my police report is dated for XX/XX/2016. I 've had to go through the State of Illinois to finally get the XXXX disclose this information to me so that I can get this off of my report. This account was also listed on my credit reports with XXXX, XXXX and XXXX and they have deleted the account with the FTC Affidavit and the Police report as well as the letter from the XXXX. Chexsystems needs to delete this as the account is fraudulent and I have attached my supporting documents to prove as such
My mortgage was with XXXX and that alone should say it all but I 'll continue ... 
We took a XXXX out and decided to add a master bedroom and bathroom to our XXXX bedroom XXXX bathroom home increasing the property value ( or so we thought ). XXXX was assumed by XXXX XXXX XXXX which is where everything went downhill ... XXXX would not honor the appraisal and said we had to re-appraise using THEIR appraisers who essentially came in and LOW BALLED the value at less then half of what the original appraisal was. With XXXX loan payments and now heavily upside down in debt we could no longer afford much thus adding strain on our marriage we filed for bankruptcy and shortly thereafter divorce ...