WillisBack/dataset-financial-user-claim huggingface dataset:
I'm filing this complaint against this company today because they are and have violated all of FDCPA rules and regulations when it comes to collecting payments. The branch manager especially, XXXX. She is very rude and very unprofessional. I had gotten a loan from this company in XX/XX/XXXX, she was very rude when going over the paperwork. I missed my first payment and advised them that I would be late, the employees called me everyday, I wasn't even 30-days late and they contacted all of my references along with leaving voicemails and on top of calling me during my work hours which I had given and advised when would be the best times to reach me, which was completely ignored. XXXX and he employees harassed me by calling me over three times in one day, leaving me voicemails all in that day, and calling my references and leaving them voicemails as well. My references called back and advised to remove their number from the list and was told that wouldn't be contacted anymore. Today, XX/XX/XXXX XXXX contacted me, she and i talked I advised that a payment was already made online, she still called my job, left a message with my boss, and called my sister after she was informed a month prior to remove her number, which was completely ignored. XXXX, also made an attempt to sabotage a loan I was getting with another company by contacting them back and advising them not to give me the loan, which again is against consumer loan policies. I have forwarded all of this information along with the the phone calls and voicemails over to my attorney and which we will be proceeding to file legal actions against this company for harassment. I no longer want any dealings with this company and I advise that they make no further contact with me. I advise to speak with my attorney.
10/30/2017- This company asked me to purchase a {$150.00} in XXXX cards in order to secure my loan via XXXX XXXX at XXXX XXXX But the company representative told me that I needed a {$100.00} dollars more and kept harassing me to borrow the money. That was my last {$150.00} that I had to my name.
Since XXXX XXXX, 2017 I have asked Santander Consumer USA and the credit bureaus that they formally substantiate all account history data Santander Consumer Usa transmitted to credit reporting agencies for me, regarding the suspicious account. My letters have largely been ignored by each credit reporting agency. I have not received an answer. They have all failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Santander Consumer USA and the credit reporting agencies are being willfully non-compliant in my request for verification of debt. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
I bank with Keybank. On XX/XX/2018 they charged a fee for an annual rewards relationship to my account for {$40.00}. I have a letter from them stating they are stopping the program and will no longer be charging that fee. As a result, that charge resulted in a NSF of {$37.00}. Those two fees took be negative and kept it that way thus generating further fees. If those fees had not happened ( as per their letter ending the program the fee was charged for ) none of the other fees would have happened. I have calculated daily and would have had a positive balance with deposits and debits. I am asking for {$170.00} in NSF fees from XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX as well as the {$40.00} fee. Total of {$210.00}.
XXXX XXXX which manages the card I used through XXXX XXXX charged 28 % interest on a 12 month same as cash purchase from XXXX. My total purchase price was {$13000.00} of which I made on time and regular payments each month leading up to the end of the promotion. Unfortunately I missed the cutoff date to pay off the account and was charged {$3800.00} in interest. I have tried on several attempts with XXXX XXXX to get the interest removed and paid the full amount due while I was discussing this situation with XXXX. I was lead to believe that they would remove they full amount if I paid the account balance off but that did not occur. I would never ( and never will again ) use this service given the predatory rates and practices at XXXX. 

Research done through XXXX also shows a history of poor service and unfairly high interest rates which has earned XXXX a rating of D+. I'm sure they would have an F if allowed to give them 0 stars instead of min of 1.
According to my recent credit report request from Transunion, XXXX, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXXXXXXXXXXXX Account Status Charge-off Status Updated Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX  ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXXXXXXXXXXXX Account Status Charge-off Contact Information XXXX XXXX   XXXX XXXX XXXX XXXX, SD XXXX  ( XXXX  ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXX Collection Contact Information XXXX XXXX XXXX XXXX XXXX, MS XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT
I received a call on XXXX/XXXX/15 from a Rose and Associates stating they were calling to verify employment. She then begin to tell me that my wages are going to be garnished due to an imaging report that was read by a XXXX XXXX ( whom I 've never seen ) almost XXXX years ago and he never received payment for it. I started asking questions b/c I was really confused and did not remember any such thing. She seem to get irritated when I started asking her questions about the original creditor and what steps I needed to take to get this figured out. She said to me, you should have paid this when the bill was due and I would n't have this problem. Well i think that was very harsh. What would she say if this debt was in fact an error and it was n't me? That would be falsely accusing me of not paying my bills which is HARASSMENT She then said that the balance was {$300.00} and now it has turned into {$3000.00} and if I do n't pay she will start taking money from my account and if I wanted to pay today she will drop it back down to {$300.00}. I advised her that I knew nothing about this debt and I was n't paying without validation. She was very rude and hung up on me. I called back and spoke with a XXXX whom was rude as well and asked could someone send me a validation of debt. He advised that the person that handles that was on a call and she would have to call me back. I never received a phone call back. I called today and spoke with a XXXX who said she was the general manager. I was trying to explain to her that i wanted a validation of debt and no one ever called my back and that I was hung up on previously. She then got mad and said that i was lying no one hung up on me. She also stated that I was being rude ( which is a lie because I have the call recorded ) I started asking her why she was so angry and she kept yelling in the phone and told me not to call her office back anymore. The only reason i called their office back in the first place was because I was told I would get a call back and did not. Everyone I have spoken with in this office was very unprofessional and rude. They are also not accredited with the XXXX. And on the XXXX website it states that this business is closed. I would also like to know if this collection agency is even licensed to collect in the state of XXXX since they are based out of XXXX. Something needs to be done about this office and the way they conduct business. As the consumer I tried doing my part by requesting a validation of debt. she also stated that it would take up to 30-60 days to send out the validation of debt and I said to her by law if a validation of debt is requested it has to be sent to the consumer and normally only takes XXXX days. She told me.. '' well by law I can do whatever I want to do ''. They are a shady business and I want no further connection with them. This woman called me out of my name and accused me of being rude to her and I wasnt.
Midland Funding , LLC is reporting alleged debts of {$3200.00} ( Acct # XXXX ) on my credit reports without any standing & in violation of the Texas Finance Code/Section 392. Their reporting is harming my credit reputation. Their actions are also in violation of the Texas Deceptive Trade Practices Act, actionable by triple damages. I have sent them the required 60 notice to cure per DTPA statutes and I intend to pursue a claim against their XXXX bond on file with the state of Texas. There is roughly 30 days left on the 60 day notice to cure. In addition, Midland is in violation of the Consumer Financial Protection Act of XX/XX/XXXX ( Administrative Proceeding File # XXXX ), as there is a standing consent order since XX/XX/XXXX. Please advise.
I have not been contacted by  XXXX  (  XXXX  ), in regards to an email I sent in regards to this matter. I emailed several entites in regards tom this serious matter, including billing the wrong debit card, etc. The last contact was in regards to removing an incorrect email address. I have not heard from  XXXX  since my attached email.
In XX/XX/XXXX there was a private school loan through XXXX XXXX XXXX.It was sold to PNC bank. Last year I had discovered PNC bank had reported this on my credit, and my husbands credit.These 4 accounts are in a charged off status/collection. PNC bank hired this debt collector, XXXX XXXX XXXX XXXX- who does not own this debt, but trying to collect for PNC bank. It is even being reported we made payments on all 4 PNC accounts in XX/XX/XXXXand XX/XX/XXXX, which we did not. Additionally, we have bank statements from our credit union reflecting this. XXXX sent my husband and I a statement for 2 accounts on XX/XX/XXXX. Before we could dispute this, they reported over {$33000.00} on our XXXX credit report on behalf of XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX are reporting this account however was opened in XX/XX/XXXX. Without letting us  know or giving us the 30 days to dispute this. Again, we were not made aware this was going to be reported on our credit report. We have disputed this through XXXX and have been told that XXXX initiated another dispute XX/XX/XXXX with the recommendation that XXXX has double reported these debts and it should be deleted because the current creditor PNC bank has reported this on my husband and I 's credit report. On XX/XX/XXXX we received another statement for one of the four accounts in another amount of {$8400.00}. We sent a certified letter asking for debt validation. The Florida Attorney General, The Ohio Attorney General, and the Florida office of Financial Regulation has been contacted about this as well and investigating the double reporting, the lack of notice about putting this on our credit report and the falsifying of payments made in XX/XX/XXXX by PNC bank. We are also working closely with our attorney on these matters.
I currently have a vehicle loan with M & T Bank for my 2012 XXXX XXXX. Due to some unforeseen circumstances, my autopay was kicked back and I missed 3 monthly payments. My car was repossessed and since the morning it was taken, I 've been trying to make a payment to get it back. First I was told that the bank had n't received confirmation of repo and they would call me when they did ; that call never came. I called to get a balance due, including repo fees and still they had no definitive balance. Again, I awaited a call back that never came. Since then, I have called more than 10 times in the last 3 days to no avail. Now the bank is claiming that they can not give me an amount until they have the title of the vehicle because they are the lien holder. I do not have the title, it was registered with the state of Florida upon purchase and the bank is in fact listed as the lien holder. My vehicle has been moved to an auction house and I have yet to get any solid information on how, when, or where I can get my vehicle. I have the money to pay but this is absolutely ridiculous. Every time I call, I get told I ca n't be given a payment amount because if I bring the account up to date, they have to return my vehicle and they do n't want to do that in fear that I may sell it and they lose their money. I 've had this vehicle for 4 years now with no intention on selling. I purchased it with my hard earned, XXXX XXXX XXXX XXXX paychecks and to be toyed with is absolutely embarrassing and disappointing. To add insult to injury, the late fees assessed by this bank exceed the past due amount and have been dragged from a previous late payment and increased each month. I also am expected to pay the storage fees for days my vehicle was at the repo facility because the bank failed to request the balance and relay it to me in a timely manner. This is outrageous and unsatisfactory.
My ex-husband is a XXXX in XXXX, CA. 
We have been divorced since XX/XX/XXXX. 
Back in XX/XX/XXXX XXXX XXXX XXXX, XXXX stole my identity, and I had to contact the FTC ... file a formal complaint, and it took years to fix. 
His whereabouts are kept ( all his bills are being paid, etc ... ) secret by XXXX XXXX XXXX, as well as his younger brother who is XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX. ( extremely XX/XX/XXXX. has FAILED to hold up to his oweth as an XXXX XXXX XXXX XXXX ). 
Now I am receiving NEW letters via USPS from collection agencies and attorneys who state that I am in default of payment to credit card companies, yet AGAIN. 

My credit score shows 3 different credit card balances which were NOT opened by me ; XXXX XXXX XXXX, XXXX uses the unique spelling of my name, and has copies of all my personal data. He waits until I go to great lengths to fix my credit, and then re-applies for whatever credit card company he's able to trick into giving him a line of credit in my name, under my social security number & date of birth. 

He is a dnger to the community. A hopeless XXXX, and has been allowed to thumb his nose at the Judicial System for over 25 years, thanks to his immediate family. 

He is in default of his court ordered child support which dates back to XX/XX/XXXX. 
What is wrong with this country?
Here is the complaint letter to the Credit card Company.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA  XXXX  Cct:XXXX XXXX XXXX XXXX   CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Tel : XXXX Department : Credit reporting Dear Credit reporting representative of Citi Cards , My wife opened this account and I was an added card member. Someone in your department has reported to the credit Bureau such as XXXX a derogatory mark with no information. It shows pays as agreed. This card was closed because I opened another Gold account.

I would like to have an answer to this question of why it was reported to the credit bureau and not give a reason. All bills were settled in a timely manner. Reporting to the credit card bureau as derogatory for opening and closing an account is not acceptable. Please do the needful to remove this from my credit report.

If you need further information, please feel free to contact me.

Thank you.

Sincerely, XXXX XXXX
on XX/XX/17 I sent letters to XXXX, transunion and XXXX requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.
CONSOLIDATED RECOVERY SYSTEMS Is the worst ever!! not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and CONSOLIDATED RECOVERY SYSTEMS is violating HIPAA Privacy laws and I will be seeing them in small claims court!
I have an auto loan with PenFed that they refinanced for me in XXXX. The loan was refinanced from XXXX XXXX and I have now received a letter stating that PenFed has raised my interest rate from XXXX to 14 % since XXXX did not release the title to them. My husband has contacted XXXX numerous times as the title was in his name and they have stated they have released the title to them. My husband also contacted PenFed about the issue in XXXX and they stated this was an error and my husband even opened a checking account with PenFed the same day. This is a fixed rate loan that should never should have been raised and PenFed before releasing a check to XXXX for the payoff of the vehicle should have obtained a copy of the title before doing so. I can not get them something I do not have and will not be held at fault. This is completely unethical. I am very saddened as PenFed has always been a good company to me but this is the worst financial injustice I have ever encountered in my life.
I can not access my account details through PNC 'S website, it has not been able to be accessed for several hours. This can not be legal for them to be able to not let us access our account.They should be fined and investigated.
I wrote a check for {XXXX} to my telephone service provider, but the bank paid {XXXX} to that payee when my check was deposited. When I called the bank to complain, I was originally told they were sorry for their mistake and I would get a refund. But, after a week of waiting and two more phone calls, I was told that it was not a bank error because I had written " XXXX and XXXX XXXX hundredth dollars '' in the legal line of my check. Which they concluded meant that I wanted to pay XXXX XXXX XXXX dollars ( {XXXX} ) to the payee, even though I clearly wrote {XXXX} in the 'Pay to the order of ' line on the check. 
The bank is Bank of America, and the payee is XXXX XXXX XXXX of XXXX XXXX XXXX, Florida. Check number XXXX. Case number XXXX
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step-up and correct the status because I was never late on my XXXX.
My XXXX and XXXX mortgage was with XXXX Bank, I requested a mortgage modification for the XXXX and XXXX mortgage because I had a XXXX % reduction in pay. XXXX did modify my XXXX mortgage and reduced the mortgage payment. XXXX refused to modify the XXXX mortgage'they transferred the XXXX mortgage to ClearSprings Loan Services of which is a subsidiary of XXXX mortgage. I have received a Final Demand Letter from them. I want to settle on the debt. or they do a debt forgiveness.
After 15 attempts to submit a dispute online I am reaching out to the CFPB to facilitate a review of Equifax 's on-line dispute system. Equifax systematically requests personal information for identification then claims the information provided does not correspond with their information and their system kicks you out so that you have to submit, repeatedly, the same information, over and over again. They wear you down so they won't have to do an investigation. Criminal. They are preventing the process of removing erroneous information from personal credit reports that can effect a person 's ability to get a loan, job or positive reference for employment. They need to be held accountable for their punitive actions.
On Friday XX/XX/XXXX my client closed on her property XXXX XXXX XXXX XXXX XXXX XXXX. 
The closing was very rushed and changed last minuet as per the mortgage company. They insisted we change to " their Title company '' because they needed to close on this day or the clients lock would expire and they current title company was not cleared to be a vendor for them or something of that nature. All that being said, when my client went home, after closing on the home she purchased after selling her house in XXXX XXXX, she realized the XXXX was incorrect and said the sale price was {$220000.00} and in fact was supposed to be {$220000.00}. The contract and Deed say {$220000.00} however thinking it was a typo I immediately emailed Title and Mortgage  of the error. Monday morning XX/XX/2018. I called the Mortgage company and they admitted they were wrong and made a mistake and would have the check to her by Tuesday or Wednesday. It is Friday and now they are trying to blame the realtors and not make up the difference, I feel there is so much wrong on this file someone needs to stop these people from their gross negligence and the lies they keep telling! The title company is XXXX XXXX XXXX XXXX XXXX, XXXX , NJ XXXX and the Mortgage Company is FAMILY FIRST FUNDING, ,LLC CONTACT INFO IS XXXX XXXX XXXX XXXX Please Help.
Several items on my credit report have been reported past the 7 years for negative items, I tried contacting experian about this they refused to remove the items. They actually changed the dates on it so it states an incorrect time opened.
I was garnished by a collection agency that I did n't even have a chance to answer their claim against me. I received notice from my employer just before the XXXX garnishment on my paycheck when I checked on the debt, it 's with XXXX companies I did n't have an account with. XXXX of the original bills was from 2004. I received the court documents 1 month AFTER it was submitted to the courts AND after my garnishment began. They have my name spelled incorrectly. The judge who signed off on the garnishment is an XXXX Judge, I live in XXXX. The debts they claim I owe are over 10 years old. The Attorney is XXXX, XXXX and XXXX XXXX XXXX in XXXX XXXX. I do not feel I owe these debts. I have never owned a XXXX credit card or a XXXX phone account. The court Case number is XXXX The Collection Agency is Asset Acceptance , LLC.