WillisBack/dataset-financial-user-claim huggingface dataset:
This is a follow up complaint to XXXX-XXXX, in which 1 ) NPAS, working on behalf of XXXX XXXX XXXX, claims I never revoked TCPA consent and 2 ) XXXX XXXX XXXX, collecting on behalf of XXXX XXXX XXXX   contacting me illegally with an auto-dialer. I am writing to share additional information and to contradict inaccurate statements in the company responses. 

I have a recording of my conversation with NPAS on XX/XX/18 where I unequivocally revoked TCPA consent. Here is a transcript : Agent - " Do you give us permission to contact you on your cell phone using the automated dialing system or pre-recorded voice for future inquiries? '' Me - " No. '' Agent - " OK. '' This TCPA revocation was reasonable and valid, yet was not documented across my accounts with NPAS which, at the time, were accounts ending in XXXX and XXXX. The representative did not ask if my revocation was subject to one account or the other, yet a future representative notified me on XX/XX/XXXX that I had to call in separately for each account. My inclination, which I fully intend to prove through discovery, is that NPAS was managing and collecting on both accounts, but XXXX XXXX XXXX spelled my name incorrectly on one. That is the reason why they did not notate the account. 

When account XXXX was recalled from their office by XXXX XXXX XXXX and placed with XXXX XXXX XXXX, NPAS 's failure to honor my revocation resulted in me being contacted illegally by XXXX XXXX XXXX via autodialer on XX/XX/2018.
I filed a dispute with transUnion credit reporting agency a fewmonths ago regarding an fraudulent account showing on my credit report from XXXX XXXX XXXX XXXX in the amount of {$3100.00} as I was a victim of identity theft and this account does not belong to me. Included in the dispute, I sent in a police report a and a FTC fraud affidavit which TransUnion confirmed they recieved, removed and blocked the account. 2 days ago, this account came back to my credit reports despite them claiming to have blocked it. I called Transunion immediately and was told that they no longer blocks fraudulent accounts from reappearing on credit reports. But offered to dispute it the regular way, which take up to 30 days in which they could not ensure it would be removed. 

I requested to speak witha supervisor ( XXXX XXXX ), who confirmed as the previous representative stated, that they no longer blocked fraudulent accounts. I have attempted to dispute this account with XXXX XXXX XXXX XXXX to no avail as they have been unable to verify these charges belonged to me as theyve only sent in charges related the credit card. But nothing pertaining to any addresses ive ever lived. 

TransUnion is not obeying Section 623 ( a ) ( 1 ) ( B ) which requires data furnishers to remove/blocked fraudulent transunions within 3 days of recieving a police report and FTC Fraud report.
I believe the company, Mr. Cooper has been cheating me otfof money. I see there was a $ million judgement against them. My montage went up from {$1500.00} to {$1800.00}, Then after the judgment it is going down to {$1500.00} using a modification I never asked dfor. Were they to do this because of the $ million judgement?.
This should settle the issue anout the sole credit card on my credit report, by Equifax. Notice the key words " up to XXXX years '' : " XXXX XXXX XXXX You are here : Finance Blog Home XXXX Credit XXXX FAQ : How Long Does Information Stay on My Credit Report? 
Stay financially savvy with the Equifax Advisor. 
Sign up for our FREE Monthly Email Newsletter FAQ : How Long Does Information Stay on My Credit Report? 
Written by XXXX XXXX on XXXX XXXX, XXXX in Credit | XXXX comments Credit report informationHow long does information stay on my credit report? 
By XXXX XXXX In our regular surveys of consumers who come to the Equifax website and who call our call centers, this is by far the most asked question. 
It 's understandable, given how credit is so important to someone 's personal finances. Mostly, consumers who ask this question are concerned about how negative information like bankruptcies, judgments, and late payments affects their credit history and score. 
Luckily, there are set time frames for how long negative information remains on a credit report. In general, negative information more than seven years old from the date of last activity ( ten years for bankruptcies ) must be removed from your file. 
When it comes to a credit history and score, consumers often mistakenly believe that any negative information in their credit report comes from the credit reporting agency. 
In fact, all information, both positive and negative, is reported to the XXXX nationwide credit reporting agencies by lenders who have granted you credit, is included in public record information, or is reported by collection agencies. Credit reporting agencies compile this information and lists it in your credit report. 
Here 's a rundown of how long certain types of credit information will remain on your credit history : Credit Accounts Accounts paid as agreed generally remain on your credit file for up to ten years from the date of last activity ( DLA ) .... '' So this is simple. In XX/XX/XXXX, there is zero reason for any reporting on the XXXX XXXX XXXX account that was never owned by that bank at any time ; was closed XXXX XXXX by me and closed by me ; had no activity since ; had no payments or balance since the ten-year benchmark. This is fraud and wrong and should never been put onto my credit report. After investigation and reinvestigation the date itself - XX/XX/XXXX - obviously not to be reported whatsoever. There is no purpose for it. Moreover, if there was any " activity '' XXXX XXXX XXXX told me they did not furnish it. Someone else did? Who? When? What? How?
On XX/XX/2018, XXXX at SunTrust Mortgage Servicing advised me how to mail a check of {$5400.00} from XXXX XXXX XXXX for fixing my roof. A XX/XX/XXXX cover letter to SunTrust 's Insurance Claims / Property Damage Department explained what I wanted done. XXXX 's check was made out to my wife and me as well as the mortgage companies. The first mortgage company, XXXX alone already endorsed it. XXXX said it would take 10-14 days to get SunTrust 's endorsed check back to us. 
On XX/XX/XXXX, SunTrust manager, Ms XXXX XXXX admitted over the telephone that SunTrust had illegally deposited the check and applied it toward the principal of its home equity line, rather than return the endorsed check to me. Note : neither my wife nor I had signed the check. 
The roofer was scheduled to start work on XX/XX/XXXX and I could not make the initial payment because SunTrust stole my money. Ms. XXXX assured me that this issue would be on an accelerated ladder, but she is still obligated to tell me that it will take 3 to 5 business days for the Research Department to look into this matter. 
On XX/XX/XXXX, I received a message from XXXX??? with SunTrust Bank, asking me to return her call. I have returned her call every day since then and left a message on her voicemail. No call from SunTrust has been forthcoming. No check from SunTrust has been received either. 

Luckily, the roofer replaced the roof on XX/XX/XXXX. But I haven't been able to pay them. And another check from the insurance company will be issued soon requiring SunTrust, XXXX, as well as my wife and I to endorse it before I can give it to the roofer for doing such a good and timely job. What am I to do?
Nationstar is sending out deceptive solicitations for refinancing. They always claim " lower interest rates ''. They tout " reduced monthly payments '' and " shorter loan terms ''. 
The problem is that the interest rates are significantly higher ( I 'm at 2.675 % ), and the benefits they cite can only be achieved by paying Nationstar higher interest. 
With a finance/accounting degree I know that they 're not offering any benefit, but an uneducated consumer might fall for their tricks.
The three credit agencies XXXX, XXXX and XXXX  are reporting an Charge off account with a pending balance that is affecting my credit in a negative way. I called your company and there's no account with a pending balance or account that match the account number or my social security number showing in the credit reports. I never request an account with CITI or had an account open in the date that is showing in the credit report or an account number that match. I onlye have a XXXX XXXX credit card that have a different number that is closed and is pay as agreed.
I am a victim of continual ID theif. This is either do to XXXX XXXX that lives at XXXX XXXX XXXX , XXXX IN XXXX or do to Collector sDatabase. The XXXX Police will not Help the XXXX WI police. 
All Below is going on My Credit, I have cleared it but I also have to pay {$300.00} a year for ID Protection. 
XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$180.00} XXXX XXXX Defaults on his Services ( XXXX ) {$700.00} XXXX XXXX Defaults on his Services ( XXXX ) {$800.00} XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$1300.00} XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$180.00} Police Report Filed for all above XXXX XXXX XXXX Defaults on his Services ( XXXX ) {$250.00} Police Report Filed for all above XXXX - All above have been cleaned from my Credit Report ( Unknown Date ) XXXX Defaults on his Services ( XXXX ) {$1000.00} Police Report Filed for all above XXXX This was just file XXXX/XXXX/16. 

The question that no Police Detective or Reporting Agencies can answer. 
- IS XXXX stealing my SSN ( but I do not think that XXXX ask for the SSN ). 
- OR is the Collections Companies doing this to me? They have linked my name and his name together and added it to some database that can not get that information removed. 

I have Spent {$300.00} for that last three years ( {$900.00} ) because of the Collectors or XXXX. I have to keep Renewing do to XXXX Defaulting on his bills and the Collectors coming after me and not him. 

Each time this happens I have to get a Police Report, get current bills, Affidavit explaining why it is not me, DL, and all this personal information has to be sent to each collector. Giving all my Personal Data to them to clear me. I spend hours each time.
As a consumer on multiple instances, I have written several letters to Experian, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g, I have simply requested original hardcopy documentation, fully and totally verifying that all items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian is in violation of the FCRA.

I will upload both dispute letters I sent to Experian, along with the items I disputed.

I'm asking that the CFPB assist me in this matter because Experian has violated my rights to the fullest.
I believe that Executives and Branch representatives at Branch Bank and Trust XXXX XXXX XXXX misled me into opening business accounts with account service fee structure.that they then immediately changed in order to charge more fees. Account executives knew the changes were occurring at the end of 2016 but did not properly notify account holders. Statement " notices '' were inadequate considering most customers do not access statements in online banking web sites and instead look at screen transactions. Proper disclosures were NOT made for online customers and I believe the bank is guilty of violation of UDAP, since they misled me personally into a price structure that they knew would change to the very one that I had rejected with another bank. When I called my " personal banker '' to question the fees in XXXX she said that the fees were overdraft fees ( which was incorrect ). Since she misrepresented the fee this caused another month 's worth of Service fees to be charged to all of my accounts. She did not disclose the new fee structure when I complained and said that she could not waive fees ; that the " corporation office '' was free to change fees without notice. It is hard to believe that BB & T executives did not know that they would catch many unsuspecting business account owners by surprise and create a big spike in their fee revenue for the year! I believe that banks in general, and BB & T in particular, create artificially low " come on '' fee structures to get customers to change banks, then change the terms without proper notice. Since it takes so long ( 4-6 months ) to change business bank accounts banks should be required to give PROPER legal notice AND sufficient time period for customers to change banks before they levy fees. They should also be required to disclose new " substantial '' fee changes and increases in multiple forms ( customer email and online banking notices and/or emails ). I believe this is a well designed plan to rip off consumers and small business owners and implore you to open a class action complaint and fines against this flagrant violator.
I have been trying to get additional information about which payments I 've made count towards Public Service Loan Forgiveness. Ever since I asked for this information, my monthly statements have shown that my payments that have counted have gone down. 

My billing statement dated XX/XX/XXXX reflected 65 payments counting towards PSLF.
My billing statement dated XX/XX/XXXX reflected 55 payments counting towards PSLF.
My billing statement dated XX/XX/XXXX reflected 47 payments counting towards PSLF.
I received a call earlier this week advising that they are working on an accounting of my payments and wanted to know if I was still interested in receiving it. This is absolutely absurd. I asked for an accounting in XXXX of this year and they have been unable to produce it AND are retroactively reducing what was previously determined to be eligible PSLF payments.
XXXX and XXXX  have removed inaccurate reporting for XXXX XXXX. Equifax needs to follow suit since they are reporting this account longer than seven years since date of first delinquency. I intend to file suit if Equifax continues to misreport. I have disputed this account over five times and Equifax continues to report inaccurate information.
In XXXX I filed for bankruptcy, XXXX XXXX was included in the bankruptcy. Bankruptcy was dismissed in XXXX. In XXXX Portfolio recovery bought the debt. They have been reporting incorrect information on my credit file. They are stating that on one of my files the account is listed as open, on another account the are reporting it as 120 days past due. I have disputed this information since XX/XX/XXXX. Called and talked to Portfolio Recovery yesterday ( XX/XX/XXXX ) they still will not fix this issue. Isn't is true that Collection agency 's cant report a files payment history?
I have a PayPal Credit account with a payment due date on the XXXX of each month.  A few years back, I called to ask them to move the due date to the last day of each month as that is a payday for me.  I was told not to worry about it, and that as long as my payment was made on the last day of the month, I would not be charged a late fee.  I logged in this morning to find out why my balance hasn't gone down much lately and I find that I've been charged XXXX late fees, totaling $XXXX, in the last 2.5 years.  I called customer service this morning to try to alleviate the problem and was told that they would only waive XXXX fees, unless I could tell them the exact date in which I spoke to the representative who informed me not to worry about the payment due date.  I obviously could not come up with the exact date from a few years ago.  There is no way that I would logically be OK with paying a late fee almost every month and not do anything about it.
A company by the name of XXXX XXXX XXXX was automatically drafting a payment out of my checking account for my federal school loans for approximately one year. The yearly enrollment update comes around, and they want to increase my payment dramatically. I contacted the U.S. Department of Education, and the representative told me she had never heard of XXXX. She gave me the number to the company they had listed that was handling my school loans. When I called, the representative told me they never received any of my payments for the loans. He also said they had received numerous complaints about XXXX and recommended that I file a complaint with this company. Another representative, from XXXX XXXX, told me XXXX XXXX XXXX falsified my information on their forms to meet their needs.
On XX/XX/XXXX, I made a partial payment of {$800.00}. On XX/XX/XXXX, I made the remaining payment. Next full payment that went through was XX/XX/XXXX, I had not noticed that a check I deposited had been returned. I continued to make on time payment from XX/XX/XXXX through XX/XX/XXXX. In XXXX and XX/XX/XXXX, I got hit with a 30 day late on my credit report. XX/XX/XXXX, I was hit with a 60 day late on my credit report. XX/XX/XXXX and XX/XX/XXXX, US Bank hit me with 30 day lates again. I had talked to US Bank to have the 4 of  the 5 late penalties from my credit report. they said that they couldn't do anything. I tried to explain to them that only one should've been reported not 5 of them.
Nations Star responded to our complaint to simply close a pending/complaint and any investigations. Stated in the response was there are no tax collection letters going out. Mr. and or Ms . I hold two in my hand from Nations Star! You people attempt to cover your errors like small children. A previous CSR read to me the notes on the account that the representative did not try and force us to except the modification, then stated we did not and the modification was closed. Now are you trying to tell us none of this happen and their aren't any notes that supports this??? 

Payment confirmation # XXXX : {$1100.00} XX/XX/2018. XX/XX/2018 payment as been made and cleared
I took out a personal loan through Onemain financial. After going down to the office and reviewing the terms of decided to hold off on taking out the loan. The hold up was the fact that I just started a new job a couple months prior. The paperwork I signed clearly showed i was n't at that job more than a couple months. The sales agent sold me on a unemployment insurance policy. The policy was supposed to pay if I lost my job for reasons out of my control. 8 months later I lost my job but received unemployment from the state. Unemployment sent me paperwork proving I lost my job for reasons that qualify under the insurance policy but the insurance was rejected due to not being at my job long enough prior to taking out the loan. Turns out I needed to be employed by my then current employer for 1 year prior to taking out the insurance. The sales agent never made me aware of this and the proof is he sold me the insurance. Onemain was quick to blame me for thinking I was covered by the insurance i paid for but has refused any option to fix the situation. They started calling me with highly aggressive collection tactics. Calling and hanging on the machine but then calling right back and leaving 4-5 messages a week even multiple on the same day. This started after the insurance company made it 's decision then OneMain quickly sold the debt. After a quick search online I 'm seeing other stories of sales staff not being honest with consumers and illegal collection tactics. I have all voicemails saved and pictures of the caller ID showing they just kept the phone ringing.
I have sent PNC a Payoff for my Second Mortgage. The Title Company XXXX the Pay off Check and PNC accepted and signed for the Check on XX/XX/XXXX. Since this time I have been on the Phone with them Daily to try to get them to Pay OFF my second. As of XX/XX/2018 the payoff from the Title company still has not been posted or cashed and now I have the Collection Department contacting me about the monthly payment. 

PNC has confirmed that they have Signed and received the Cashier Check but can not explain why they have not Paid off or Closed my account Any help you can provide I would appreciate it Today is XX/XX/2018 and I am formerly writing a complaint against PNC
Subject : XXXX XXXX XXXX am the beneficiary of a trust an aunt established at the XXXX Florida. I received notice from the bank that " tax preparation and filingfees will increase to {$900.00} for the XXXX XXXX hours and {$300.00} for each additionalhour required. Most irrevocable trusts on extension will require more than XXXXhours. '' This caused me to review income versus fees for the past years. Thetax preparation fee for the past XXXX years has been {$320.00} ( my share ) per year. 
For XXXX 2013, I had income of {$5700.00}, while XXXX collected {$170.00} for a '' Investment Solutions fee '' each from Income Cash and Principal Cash, and $ XXXXXXXXfor " Account Mgmt Services Fee '' each from Income Cash and Principal Cash. 
Bottom line, while I received {$5700.00}, XXXX received a total of {$4300.00} infees PLUS {$650.00} for tax preparation. Am I the only one who thinks thisexcessiv? Also, with the increase in tax preparation cossts this year, XXXXfees almost equal my income from the fund. What avenues are open to me tocontest these fees?
For years I have gotten daily messages on my voicemail from " XXXX XXXX '' at Municipal Service Bureau saying he is calling to collect a debt. 
The calls come from phone # XXXX. I do not have any outstanding debts. I researched this on the internet and discovered this is a scam. Is there anything you can do to make these calls stop?
This is just the tip of the iceburg -- there inability to process or track simple payment is more than negligent. In XXXX XXXX Mr.Cooper ( formerly NationStar XXXX provided final payoff amount and instructions. I provided requested Cashiers Check via USPS which MrCooper signed for on XXXX XXXX XXXX. For 2 months MrCooper has been claiming Cashiers Check was invalid, 1st they didnt have it, then NSF ( insufficient funds ), then 'return to maker '. This is even after I provided proof they received funds, endorsed, submitted it to my bank, and my bank fully reconciled cashiers check. The people at MrCooper did n't seem to understand how a cashiers check is different from personal check ; they were unable to provide proof nor front/back copy of check. Long story short, I think I figured out they actually did cash cashiers check, then tried to fraudulently submit it a second time which is what my bank rejected. Even after I provided proof of their actions they continued to claim my loan account was not paid. They demanded I send them another cashiers check. If you read on complaint web sites, you will see this follows there standard policy of delay, delay, delay in an attempt to extract more and more money. 

I would request to speak with a supervisor and Mr.Cooper would transfer me. I 've gone 5 or more levels up their supervisor chain and person on phone told me they were a supervisor with Executive Customer Support. I suspect that in reality all of the over 13 people I talked with were all first level support and not supervisors. 

Additional documentation is available
I am getting repetitive debt that I have to dispute monthly, I would like to not have to do this as this account is fraudulent and I have already had it removed, It continues to report.
I am filing a complaint for a credit card that I never received and was never sent any statements for. Until I called I did not know the credit card was for XXXX. ( Chase card # XXXX ). When I called and talked to Chase they informed me the charges was {$30.00} a month for a XXXX card which I never received nor used. They do not state anywhe3re when applying for the card of a monthly {$30.00} fee and the fee is nothing. If the card was used to make a purchase I could understand, but {$30.00} a month to have the card is just plain robbery by Amazon. I would like to have it removed if it can, if not then something to show payments were never late since I never received any statements or a credit card from them. For the record after talking to them I paid the card off and closed it.