WillisBack/dataset-financial-user-claim huggingface dataset:
violated the FDCPA by knowingly attempting a judgment 14 years old. Expire statue of limitations on judgment. judgment date is XXXX XXXX, 2003. did not renew judgment on or before 10 years with the clerk of the court records office. misrepresenting the amount due. Filing an inaccurate amount due, not considering prior payments on judgment. Contacting my job calling my employer of my work status of a time-barred, zombie debt. Abusive debt collection after 14 years judgment is dormant, time-barred taking me back to the courts knowing the judgment statue of limitations has expired and harassing me getting my present employer involved in a lawsuit that is now dormant. informing third parties about my debt who is my present employer. failing to provide verification and continuing to attempt to collect debt when it is disputed by customer. Failing to disclose that judgment is to old to be legally enforced. Threatened to garnish my pay check knowing the statue of limitation has expired on the judgment,
My loans with XXXX XXXX was transferred to Navient, since they came on with this company been a calling asking for some type of financial assistance, whether its forbearance, deferment, or income base payments, everyone gives you a different response and now my loans is 4 months late effecting my credit while other lenders have been of assistance. The representatives are rude, they continue to transfer to XXXX rep to another rep to another with no one who can give you consistent answer, its overwhelming and unfair to the consumer
I have notified the different credit agencies and the collection agency that this account do not belong to me. Please review the attached police report. The XXXX - XXXX  ( XXXX ) and the unknown collection account on my Equifax - Acct # XXXX account do not belong to me. Please remove these accounts from my credit file.
In XX/XX/XXXX, LAW OFFICES OF LES ZIEVE ( " ZIEVE '' ) involving a debt of property, ZIEVE failed to properly state it 's position/title in the transaction. Require ZIEVE to answer the following questions : In XX/XX/XXXX and XX/XX/XXXX, ZIEVE contacted me alleging a debt was owed.

1 ) Question : Was ZIEVE representing itself as a debt collector? If not state it 's specific title it represented.

2 ) Was the property ZIEVE was attempting to collect a ) Movable Property b ) Immovable Property 3 ) Is ZIEVE the principal party involved?

4 ) Is ZIEVE the agent of a debt collection agency?

5 ) What type of debt/loan was involved? a ) Conventional loan for real estate b ) Consumer Credit Loan such as a home equity line of credit account ( please state the loan transaction ).

6 ) Did ZIEVE record it 's documents of a substitution of trustee in the County Recorder 's Office, Book and Page indicating the transaction was related to real estate of immovable property?
account number XXXX was reported as opened on my credit report as of XXXX this i before i even applied for credit or gave my credit information to the dealer i disputed the error thru the credit bureaus and ford came back with a reporting improvement in previously reported derogatory credit.the auto loan never was opened until XXXX and it was opened with out a siganture for the buyer on the retail installment contaract without a date but no one had any athorization to run or report anything on my credit until XXXX the reporting even list a payment made in the month of XXXX and has a dollar amount different from what the contract list when i asked ford for a letter showing i never made payment on such account they somehow sent me a letter listing a payment was made in XXXX this is false and account is fraudulent i want it removed or honestly correct
On XX/XX/2018 I sent Certified Mail to all 3 Credit Bureau. XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX. Requesting verifiable proof of the original signed consumer contract. Under the FCRA, Section 609 ( a ) ( 1 ) ( A ). And of today XX/XX/2018 none of the 3 major Credit Bureau havent provided any original signed consumer contract. 
Company : NCC Business Services / Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX Balance {$7000.00} / Account # XXXX
1. 15 USC 1692c ( b ) - without my expressed prior consent ran an ad in the XXXX XXXX XXXX for 3 weeks 2. 15 USC 1692d ( 4 ) - harassed consumer ran ad in the XXXX XXXX XXXX for 3 weeks 3. 15 USC 1692c ( b ) without my expressed prior consent published information on the XXXX website for 21 days 4. 15 USC 1692d ( 4 ) harassed consumer by publishing information on the XXXX website for 21 days 5. 15 USC 1692e ( 2 ) ( A ) conducted illegal sale of consumer goods with false representation of the character, and legal status of the alleged debt 6. 15 USC 1692f ( 6 ) ( A ) conducted illegal sale of consumer goods with no enforceable security interest after receiving notice of rescission 7. 15 USC 1692g ( b ) failed or refused to provide validation and did not cease collection action 8. 15 USC 1692i ( a ) ( 1 ) failed to bring action in the judicial district 9. 15 USC 1692j ( a ) creditor not participating in action of debt-collector 10. 15 USC 1692k ( a ) ( 1 ) actual damages sustained by consumer for debt collector violating FDCPA
I applied for a FHA mortgage back on XX/XX/2018. I was pre-approved for a {$300000.00} limit with XXXX % down. My wife and I found a home, made and offer, and it was accepted on XX/XX/2018. The closing for the property was accepted by both parties to be XX/XX/2018. The loan was then turned offer to the processing department where we turned over all our private documentations, IE : tax returns, ban accounts, identification, etc. The process was then turned over to underwriting after all required documents where accepted. This is where the loan process began to stall and take much longer that it should have. After turning over all our required documentation, the underwriters kept asking for numerous more documentation on taxes, income, employment verification, copies of checks, etc., whic in turn kept pushing back the approval process and not being able to make the XX/XX/XXXX closing. We signed a one week extension to the contract for the purpose of getting loan approval through underwriting. The underwriter continued to ask for documents that where already submitted multiple times and additional documents that where never asked for earlier in the process. This made us miss the extension of the contract. The seller decided to cancel the contract because we could not get to the closing table in an adequate time. To this date we still do not have a closing, we lost the house, and the seller refuses to work with us any longer.
I am trying to get Equifax to provide my credit report. They sent me a confirmation number..XXXX however it will not open my account. Message is that the information I give does not match theirs. I have spent hours on the phone trying to reac a real live person. None exist at Equifax. Equifax does not have my current credit history. It stopped almost 10 years ago. They do not have credit card information, bank information or charge account information. 
They are a corrupt incompetent agency!!!
Several years ago, i was misinformed of my deferment period to repay my student loans. I later returned to score, and resume course work. I had my previously loans consolidated. Upon checking my credit report, i noticed several late marks that drastically damaged my credit score. I attempted to contact the company who reported this listing via fax, mail, and over the phone. I wrong goodwill letters explaining the situation, and contacted a rep via phone whom just kept transferring me and ultimately saying i needed to dispute this through the credit bureaus which i've also done. My records on file show that these accounts are all paid in full, {$0.00} balance but have several missed and late payments that i would like to be removed, especially due to the status of those accounts at the time. Please see that this request is honored and investigated.
I moved a month ago and the post office is forwarding all of my mail. 
Apparently a bill from XXXX XXXX XXXX was never forwarded and I was reported to the Better Business Bureau. I find this unfair because they never tried to reach me and I always have paid my bills. 
I gave them my checking account to pay the balance in full and they refused to remove the complaint from the BBB. 

Thank you, XXXX XXXX ( formerly XXXX )
I started working for a company in XXXX when I got out of high school. ( XXXX XXXX ) I was n't making any money so I got a real job. They stated that I had sold knives to a customer in which they did not finish paying for. Did n't know anything about it at the time. I see on my credit report that they were reporting. However a collection agency has it. I called the company directly and they stated the amount is XXXX. So I have made payment arrangements with them. However Chase is reporting on my credit for XXXX and some dollars. XXXX states that they never sent that amount over. I was never contacted by chase. When I called them the rude lady tells me it does n't matter what XXXX states I must pay them what they ask for. I never went through this with any other collection agency. The lady lied and said I spoke with them in XXXX XXXX, was n't me, it was the credit repair company apparently. Then she lied stating they sent a letter after they got my info in XXXX, but before that they did n't have a way of contacting me. I was never contacted regarding this. I feel that chase needs to stop reporting wrong information on my credit report.
This is my third and attempt to have discharged bankruptcy removed from my credit report. I have written, sent certified letters requesting validation and verification but to no avail. They always respond as verified as accurate. How could that be????? Furthermore they will not provide me with the third party company in which they used to get this information. I know they use these third party companies because I have a letter from the bankruptcy court saying that they do not provide public or personal information to the credit bureaus. And also I froze and suppressed by credit with all of the data mining companies, including XXXX XXXX and XXXX. I strongly urged them to delete this bankruptcy from my account. They have violated several rules and regulations according to FCRA, including section 602 a, b and c. I ask the XXXX to please look into this matter and hold them accountable for what they have done. It this is not resolved here I will be forced to file a lawsuit and let the courts handle it. And I have all of my documents in order.
Paid debt in XX/XX/XXXX to companies alleged debt. No reporting to the credit bureaus had occured at that time and the old account had a XXXX balance. Comoany has now reported debt on XX/XX/XXXX as a new unpaid debt do the same account which is untrue.
I opened a mortgage with XXXX in XXXX, the mortgage was sold to XXXX then back to chase. During that time I obtained an IRRL due to my XXXX XXXX military status. While deploying and on XXXX XXXX the loan fell behind and so I did a modification, upon which time unfortunately XXXX and other banks were illegal foreclosures and I was in that bunch that was able to get mine approved. The modification took over a year as I was told the paperwork was lost at XXXX point to they repeatedly needed more information and customer service liaisons switched on my account. In XXXX I retired and they gave me a XXXX XXXX interest rate for 36 months so I made partial payments. I was declared 100 % medically XXXX and in my transition my military check was behind and I have a XXXX child who was in XXXX I was told to not make payments until the final paperwork for the modification was complete. This was due to them not knowing what the payments would be, at this point I never imagined or did I know that it was being negatively reported on my credit report. I have attempted numerous time to work with the credit bureaus and XXXX directly but to no success. The reduced payments were made as asked. There should not be annotated as late payments period. Finally if that was n't enough the new modified loan and the old account have the same number so the delinquencies remain though I have never missed a payment since the modification. The new amount of credit for the new loan is {$XXXX} yet they are still reporting to the CB the old one of XXXX giving the impression on my credit report that I am over XXXX dollars which is not true.
In XXXX of 2017 I filed a dispute for idenity theft and included a police report and an identity theft report required by credit reporting agency XXXX. The list of disputed accounts on id theft report were deleted..The problem is that XXXX additionally deleted all other accounts within my reports that were positive accounts and that were NOT INCLUDED ON MY IDENTITY THEFT REPORT. tHIS ACTION LEFT MY ENTIRE CREDIT REPORT COMPLETELY EMPTY WITH NO TRACE OF ANY CREDIT REPORTING WHATSOEVER. My report was left unable to even generate a credit score at all. 
XXXX additionally communicated to Experian and XXXX information regarding the wrongfully deleted positive accounts causing both of these agencies to also Delete accounts thst were not reported as Fraudulent accounts and this caused my other two reports to become completely erased and unable to to generate credit scores. I was left with no agency having any trace of any account to report at all. I had a XXXX credit score across the board and to lenders it appeared as if no credit had ever existed. Additionally the accounts were also prevented from re-reporting the information back onto my reports and I have been unable to get XXXX to replace the deleted accounts or remove blocks from my positive credit accounts so that the bank could reenter the information that should have never been deleted. Please force XXXX to go back to when this action took place and put the accounts that were not included in my identity theft reports back on my record and correct this issue. This is necessary as these accunts were damaged and deleted directly as a result of XXXX and they are responsible to fix what they have caused without the need of financial institutions being forced to re-enter old information that they are unable to do since theyre attempts to do this already were unsuccessful for the reasons that XXXX has further blocked the re-entry of the accounts.
The credit card company formerly known as GE Money Bank who services several of my credit accounts randomly and without warning cancelled or closed paid accounts and lowered credit limits on my credit accounts without cause. I have never been late on any of my accounts and in fact have a monthly automatic payment set up on each of them. Because of this action my credit score has been harmed.
In Fall Of XX/XX/XXXX, I attend XXXX County College, I did not complete the semester. I was having some health issues, and a difficult time : In XX/XX/XXXX I had to file for Chapter XXXX. I listed all my Debits, including the college, and student loans, etc. I have moved since XX/XX/XXXX, and always had my mail forward. In XX/XX/XXXX I rec 'd a phone Call from General Revenue stating I had an outstanding Balance of {$580.00} for college in XX/XX/XXXX. I told them I was not in college then, I was given the phone to call and follow up, I did just that, and by my many phone calls finding out little bits here and there. The Debit come from me attending the college in fall XX/XX/XXXX, the College having an audit done in XX/XX/XXXX, and this is when they found I owned them money. So, it took them other 5 years to find me, really with the internet today you can find anyone in less than 5 mins. The college is starting to General Revenue that I filed chapter XXXX after the debit was posted, no filed after remembering I went to school in fall of XX/XX/XXXX, filed in XX/XX/XXXX. They ( the college ) found the error in XX/XX/XXXX, this is not my issue. If the audit was not done we would not be here. also, all my student loans were discharged due to medical, and on social security. The College also changed names in this time frame From XXXX County College to XXXX College of XXXX County.
I am currently attempting to assume and modify a loan under which I am currently the executor of the estate since the death of my relative. Chase is asking me to do illegal acts in order to modify and assume the loan such as file quit claim deeds on behalf of my deceased relative and to pre-file the quit claim deed that is to be filed to remove my sister from the estate. I live in the home and they are not working with me in any way in order to keep the home. I have been going through this process for 6 months and today I found out my case was denied because I did not file a deed that it is unlawful to file. Please help me to know my options in order to keep my home.
The debt was foreclosed on XXXX, 2012, and no action was taken for confirmation and approval for an order of confirmation and approval by a judge of superior court pursuant to OCGA 44-14-161 ( a ). There have been numerous debt collection agencies who have taken the debt and each one has been told that there is no legal debt owed.
I have submitted a dispute through Experian about my report ( XXXX ) with XXXX XXXX. I payed off my account with them after a month ( XX/XX/2017 ) and left due to persistent technical issues. I transferred my number to another company at that time. When I contacted Experian about the issue again they said that XXXX does not have to provide any evidence showing I still have an account with them. Right now it is showing nonpayment for a time period that I have not had any business with the company. I am unable to dispute it further on there site since XXXX has said it is valid without any proof of me having business with them.
XX/XX/2016, I began the process to refinance my personal home 's mortgage with Rabobank. Currently serviced by Rabobank, I started dealing with XXXX XXXX XXXX XXXX at the XXXX, CA branch. I completed my application, provided all supporting documents, and completed the credit check. The bank approved my application and I signed a rate lock at 2.875 % for a 15 year fixed loan locking the rate on XX/XX/2016. Weeks later in trying to correspond with the bank to get the refinance on pace for completion prior to the lock expiring, the loan officer explains to me the the bank no longer wants to offer a 15 year fixed loan to me and the only product I could use was a 10 year ARM amortized over 30 years. Although I did not want an ARM, I said I would go to the ARM if they honored the rate we locked. Later, I was advised that the regional manager in XXXX XXXX 's supervisory chain, XXXX XXXX XXXX did not wish to honor the bank 's rate lock. 
I believe that Rabobanks efforts in not servicing an approved loan, with a signed locked rate, while interest rates are on the rise - is an unethical banking practice. If rates were on the decline, I am sure they would make sure I honored the lock on my side. 
I respectfully request the CFPB investigate this situation with Rabobank and unethical lending practices so it does not happen to others. While honoring what I believed to be a commitment with their bank, I sacrificed precious time when I could have been using another institution to refinance my loan prior to rates going up. I have been asking the manager to help find a resolution, extend me a loan at the agreed upon rate, but without success. After a week of no response, I emailed him requesting an answer and was still promised that he was working it " internally ''. 
Please help.
Oh, dear. Where do I start with USAA BANK and all its products. If you want to work with a company that likes to commit major regulation violations, break laws, and ruin consumers lives, this bank is for you. Usaa Bank after being idenity theft and being provided paperwork they not only closed my accounts down illegally they held on to my money for over a month and when it happened they would not give me explanations, they had none. If you are a consumer, RUN! Do not trust them. If you are a federal or state official or work with any government agency you need put them on your hot list.
I have an account with XXXX Bank / Care Credit. It's a credit card used solely for medical and dental finance. I've had my account since XX/XX/XXXX. I make payments of {$45.00} each month. All payments have been made on time as of XX/XX/XXXX. In XX/XX/XXXX I made payment of {$45.00} by phone using their automated payment system. Payment due date is XXXX of the month. The week of XX/XX/XXXX XXXX I started receiving collection calls. The bank claims I was late and would be charged a {$40.00} late fee. I spoke with an offshore customer service person who gave me the reason for the collection calls. I told her how can you assess a late fee when I paid well before the due date. She said it's their policy. This has to be bank fraud as I was not late. I will include a screen shot of my bank record. The bank has increased my balance which should not be allowed. I did research on XXXX. This company also know as GE Capital has a history of abuse to its account holders. They should be censured by the federal government.
In XX/XX/2017 I filed a complaint with XXXX XXXX, where it was discovered that my own father stole my identity and acquired three credit cards. Two of these cards were with XXXX XXXX. XXXX XXXX removed all references to these debts on my credit reports, and I assumed that XXXX XXXX would turn over the identity theft issue over to the Federal Bureau of Investigation. Now I receive a letter from a law firm known as XXXX XXXX XXXX, XXXX. out of XXXX, Florida. The debt is not valid pertaining to me, and XXXX XXXX knows the facts, they removed the accounts from my credit reports, and it is their responsibility now to pursue charges against my own father. I demand a retraction of this collection attempt, and for XXXX XXXX to purge any reference to my name and social security number immediately. The Consumer Financial Protection Bureau needs to see just how easy it is for law firms operating as collection agencies can ruin a person 's creditworthiness so quickly. I demand the purging of my information from XXXX XXXX and XXXX XXXX XXXX, XXXX. immediately.
I purchased a program from a company called life solutions, I put a down payment on {$6000.00} on XX/XX/XXXX. After reviewing the program for two days I decided I wanted to return it. Contacting the company I only got voicemails from three different departments and left each a voicemail. I tried calling on numerous occasions with no reply. XXXX from the coaching program reached out to me about a live event and while I had her on the phone I told her I wanted to be removed from the program, she made a note in the system. I tried to reach life solutions again on XX/XX/XXXX and again only voicemails. I was notified by email on the XXXX that Barclay card paid them an additional {$6000.00}. The credit limit on my card is {$10000.00}, Barclay, without my permission exceeded my account limit and put the charge through. I filed a dispute with Barclay. I am still leaving messages for the accounting department and sent an email to XXXX at XXXX XXXX  but know one responds, no responds from customer service either.