WillisBack/dataset-financial-user-claim huggingface dataset:
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Attorney Law Office of James R. Vaughan , P.C . and XXXX are engaging in said violations of latter federal statutes. Mr. XXXX and XXXX XXXX filed complaints against said entities who could not provide within 30 days of their notice of alleged debts that Mr. or Mrs. XXXX owed any monies whatsoever. There is no itemized receipt that was produced within the afforded time frame for complaint XXXX that was submitted on XX/XX/XXXX. The company James R. Vaughan which alleged represents XXXX XXXX  responded on XX/XX/XXXX, with no evidence, which is 3 months after the complaint was filed against them. This company James R. Vaughan and XXXX are frauds and are covering up the fact that their client XXXX  made Mr. XXXX and XXXX XXXX credit worse, and charged them money that they paid to XXXX without any real tangible increase in credit. In fact, XXXX owes the XXXX  family fees it collected from them in the thousands, without ever receiving promised increase in credit scores, in fact as stated above, credit scores dropped significantly and remained that way. Thus, given that no tangible results were obtained from XXXX, and the fact that 3 months were taken to respond to the complaint noted at CFPB, Mr. and Mrs. XXXX XXXX  without a doubt are covered under the law that protects consumers from fraudulent collection activity that violates federal statutes described above. XXXX  engages in verbal and written abuse of consumers via phone and email as described in multiple complaints, and now James R. Vaughan continues in this unwarranted harassment. Their claims of debts are invalid and devoid of merit. Therefore, there is no legal validity to James R. Vaughan and XXXX allegations, no debts are owed, and in fact XXXX should return all fees that were paid for services not rendered or obtained. If XXXX is unwilling to return thousands of dollars paid, then they and James r Vaughan need to cease their fraudulent actions, which violate the federal consumer credit laws.
I called wells Fargo today ( XX/XX/XXXX ) at XXXX because I over drafted 2 separate times even though I had over draft protection set up. I called and told her the situation and she informed me that my savings account had been turned into a checking account even though they did not communicate this with me. After i got upset she said she would see what she could do about the fees but in the end could only give me back one of the 2. They are always finding new ways to get my money and I 'm sick of it. If I 'm over drafting then i obviously do n't have {$35.00} extra to give them.
After looking over my credit report sometime last year in the past Ive realized that I have more than several erros that is listed under credit profile. I have no clue as to how they ended up on my credit file and I take it that your company has ignored me for more than a year about this error and I havent received any results from my internal dispute since last year XX/XX/2017. I am fed up at this point and feel as if no one is looking into this situation. By law THE FCRA section 609 states that if an account or inquiry isnt verified correctly it must be removed permanently without the original contract and the consumers signature. The following items are to be disputed internally within 3 days max.  TRANSUNION 1. XXXX XXXX XXXX = ACCOUNT 2. XXXX  XXXX = inquiry 3.  XXXX XXXX 2x = inquiry 4. XXXX XXXX 4x XXXX  : 1.XXXX XXXX XXXX 2 . XXXX XXXX XXXX : XXXX XXXX
SALLIE MAE IS THE WORST. My loan is now in default because I have called every single month about not being able to afford my loan payment due to being unemployed and finding work has been difficult, though I have been actively searching every day. A few days ago the guy from sallie mae said that he could help reduce payments, but then harassed me about being able to pay it if he did. I explained my dad is already broke and has been giving me all the money he can to help with bills, but he has no more money left to give. I told him everyone else I have called says that they do not care and wo n't help. Then he said well we are only calling all the time to get you out of default, I then told him I would n't be in default if someone would have helped me in the first place instead of saying they do not care. Sallie Mae should not be allowed to call more than 10 times a week max. They call about 20 times a day. I feel so harassed. Because of them I ca n't support my own son because all the money I do get has to go to trying to get out of default so I am back at my dads. They are the worst company to work with. Not even XXXX or XXXX is doing this.
Wakefield is claiming that I received medical attention in 2012 in XXXX, TX. I believe they have confused me with someone else.
I attended XXXX XXXX located in XXXX, PA from XX/XX/XXXX to XX/XX/XXXX. In order to attend XXXX XXXX I received private student loans through the National Collegiate Trust. Upon graduation in XX/XX/XXXX, I have experienced difficulty paying my loans back due to poor wages and the birth of a XXXX child. However, I have done my best to keep NCT in the loop. At this time I am currently back in school full-time in order to obtain a better job so that I may pay back all of my student loans. All of my other student loans are currently in forbearance. I am not working, I am in school full-time. NCT has hired XXXX XXXX to handle the collection of the balance, despite the fact that XXXX XXXX XXXX manages to the payment schedule. XXXX XXXX called me XX/XX/XXXX and indicated that if I did not pay the loan or my cosigner did not pay, then NCT would liquidate the loan. At this point the associate indicated that they would then go after my co-signers ( my mother ) bank account and income. It is my understanding that this is improper behavior on the associates end and is threatening in nature. At this point no judgement have been rendered, so threatening to wipe out my bank accounts is egregiously out of line. It is also my understanding through research and communications with American Educational Services and National Collegiate Trust that XXXX XXXX is a scam.
As per the Fair Credit Reporting Act, I requested the documents on file they used to verify a bankruptcy listed on my report. I also requested the name and number of the person who verified the information as well. They ignored my request and just sent a blanket statement that they or a third party serviced was able to verify it, but did not provide any proof of such actions.
BANK OF AMERICA wrongly reported we were late on our monthly payment on XXXX 2013 which i snot true, i already contact bank many times but they did not corrected
Freedom Mortgage has stolen a total of {$2900.00} from me via extortion since XXXX of 2016. They will not fix the issue despite the fact that several of their members have admitted they have charged to much, admitted that I have overages of {$2900.00}, and admitted it needs to be corrected. The stopping point every time I deal with them, which is bi weekly and has been since XXXX, is a man named XXXX. He is convinced I am wrong even though all of the evidence is on their servers. 

I have tried to resolve this conflict within their company, it is going no where. I have contacted an attorney, who told me to try this XXXX. I am stressed out about this and there is no reason for that. I am only trying to pay my mortgage every month but they refuse to fix their mistakes and continue to send me threatening letters referring to the repossession of my home. As a XXXX XXXX of both XXXX and XXXX I have no problem dealing with XXXX or handling stress, this time however I have no way to manage this. No help has been offered, no apologies, no willingness to fix their mistakes. I am at my wits end, my wife is scared we are going to lose our homes even though we 've done nothing wrong, I am finding it hard to sleep at night since I can not recover the almost {$3000.00} dollars that Freedom Mortgage has extorted from me. 

I work hard for my earnings and I live within my means however, I can not afford to keep being charged money each month to a corrupt organization that is criminally negligent in their matters. This is not a hard mistake to see, it is simple math. We begin with a giant total ( our house ) and subtract out monthly amounts ( mortgage payments ) until the grand total owed is {$0.00}. For some reason, somewhere between the steps of subtraction and honest reporting, Freedom Mortgage crossed the line. I am sick of this company, I am sick of being extorted, being bullied, loosing sleep, and having to console my wife that we will not lose our home. Not to mention the missed hours in work time I have had to skip in order to deal with Freedom 's inability to fix their own mistakes. I work by the billable hour, so missing 3 hours a week dealing with them adds up quickly. 3 hours a week ( conservative estimate ) x 4 weeks a month = 12 hours a month ; which would be just a hair over {$1000.00}. Again, another sum of money I do n't have because of this horrid organization. 

Please help us, we at our wits end and do not know where else to turn. We are good people who have paid our mortgage every month and have been taken advantage of.
On XX/XX/XXXX I deposited {$2300.00} into my Wells Fargo account ( # XXXX ) along with another check of {$150.00}. After 4 months, XX/XX/XXXX I received a notice from Wells Fargo ; " Transaction Correction - Mobile Deposit check posted twice - Ref # XXXX amount XXXX. " This money was withdrawn from my account. After numerous phone calls to Wells Fargo and XXXX amount of time on HOLD, they where unable to locate the Transaction that the check was deposited twice. Four months after the deposit, they are still unable to find where the funds were deposited twice? They simply said they would send me a letter. No reason as to why they where sending me a letter. 

I need help in getting this money back in my account. 
XXXX XXXX XXXX, XXXX
THIS ACCOUNT IS NOT PAST DUE. INVESTIGATION ARE NOT GETTING PROPERLY DONE I HAVE ATTACHED A LETTER FROM TRANUNION CLAIMING THEY VERIFIED ON WHICH IS INCORRECT. IT IS ALSO REPORTING LATE WHICH IT WAS NEVER LATE. I HAVE ALSO ATTACHED A SCREEN SHOT OF MY ACCOUNT AND ALSO A STATMENT OF THE CELTIC ACCOUNT I HAVE SUBMITTED MORE THAN 4 COMPLIANTS IT IS RIDICOULOUS THAT AFTER ALL THIS TIME IT IS STILL REPORTING INCORRECTLY.
On several attempts I have contacted all 3 credit bureau about the inaccuracies on my credit file.. The accounts are not my account and are considered inaccurate information. With reporting this accounts is a violation of my rights and hurting and destroying my character and lively hood. 
Theses are the accounts XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX
I recently reviewed my Experian credit report and observed that hard hit inquiries that were disputed & removed were re-inserted into my Credit Report by Experian. I have a copy of a written response from Experian advising me that they were removed as a result of my dispute. Experian NEVER advised me that these items were going to be re-inserted into my credit report ( 5 days after ) as required by Federal Law. Experian is in violation of the Fair Credit Reporting Act 15 USC 611 ( a ) ( 5 ) ( b ),
Midland keeps reporting on all three of my credit reports that I owe them money. I do owe them any money. I do not owe any credit cards that they have bought.
I am a Medicaid recipient who visited the hospital and provided proper insurance information, the hospital never submitted the bill to Medicaid and send me the bill instead. I contacted the hospital again and provided XXXX more time my insurance information however according to the Medicaid office they never submitted any bills on my behalf. Today I received a bill from a collection agency who is refusing to provide me with information regarding my bill and proof that the hospital submitted the bill to Medicaid.
MY NAME IS  XXXX   XXXX  I HAVE AN CHECKING ACCOUNT WITH BANK OF AMERICA WHICH MY ATM CARD WAS FRAUDULENT USED ON THE  XXXX  OF  XXXX    XXXX   WHERE SOMEONE WHO 'S NOT AUTHORIZED USED MY CARD FOR OVER {$6000.00} WHICH BANK OF AMERICA LET WENT THROUGH BEFORE BLOCKING MY ATM CARD I GOT A TEXT MESSAGE FROM BANK OF AMERICA ABOUT THE FRAUDULENT ACTIVITIES, SO I FILE A DISPUTE AND ALWAYS REPORT TO THE POLICE I GOT A POLICE REPORT WHICH I I FAX TO BANK OF AMERICA, BUT BANK OF AMERICA DENIED MY CLAIMS AND TOLD ME I NEEDS TO GO INVESTIGATE THE CASE WITH THE POLICE WHEN I WENT BACK TO THE POLICE THEY SAID BANK OF AMERICA IS RESPONSIBLE FOR MY MONEY THEY ONLY WRITE POLICE REPORT AND BANK OF AMERICA REFUSE TO PURSUE MY CLAIMS STATING THAT I TOLD THEM I HAD THE CARD IN MY POSITION WHEN THE ACTIVITIES HAPPEN WHICH I DID NOT SO KNOW I DO N'T KNOW WHAT TO DO, SO THAT 'S WHY I WANT TO KNOW IF YOU CAN HELP ME, YOU CAN CONTACT ME FOR ANY MORE QUESTIONS AT  XXXX  OR EMAIL AT  XXXX  XXXX  XXXX
Bbva compass sold me a heloc creditline forXXXX $ without telling me it was a mortgage, when I found out, I closed it, they charged me XXXX , and it is still on my credit report as being owed and I am making Payments? 
I brought this to their attention, and they responded by telling me I had to find a new bank. XXXX XXXX wrote theletterfromXXXX California. 
The problem is, as a XXXX, I need 6 months to make the changes with my insurance companies ( especially XXXX ). 
No written email or communication whythis has occurred has even been sent to me! 

I found out later they did this because I paid my home loan down and paid my two lines of credit off., so XXXX said they no longer make money on my account to the assistant branch manager whom told me. They are just trying to sell products, but do not care about the customer and do what they want without regulation. 

They are based out of XXXX  and do not follow the banking laws of the USA.

Thank- You,
To whom it may concern ; As you well know, I have had a plethora of incidences where I have reported and subsequently disputed items on my credit report as both fraudulent or not mine. Upon reviewing my most recent disputed items and their completed status, I have come to realize that some new items are now reporting on my credit report that are certainly not mine. The following I am currently disputing as FRAUD. These accounts, inquiries, collections, etc. have been wrongly reported in my name due to being fraudulently opened in my name. Please dispute them accordingly. 

COLLECTION - XXXX XXXX Account : XXXX Original Creditor : XXXX XXXX Date Opened : XXXX Amount owed : {$2800.00} INQUIRIES - XXXX XXXX  Date : XXXX/XXXX/XXXX ADDRESSES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thanks you for your help with this matter. 

XXXX XXXX XXXX
I contacted Midland funding and requested debt info the guy told me he could not give me the info and that I needed to contact XXXX XXXX XXXX. I asked who owned the debt and he said Midland funding so I told him by law they are required to give me the info since they are also reporting to my credit. They refuse to give me info. I also stated that if the original creditor was XXXX XXXX that the statute of limitations has expired. I have tried to dispute this several times with no results.
Ally used its discriminatory practices to inflate my loan interest rate and inflate my monthly payments. Ally used its discriminatory practices to seize my vehicle and render me nearly financially and mentally ruined. My Ally case no is XXXX
I have a home equity loan with a company in XXXX, XXXX, Loan Care, who is horrible. Dealing with them has been a nightmare in general. Reaching them on the phone is difficult at best. I can almost never get in touch with a human being ; their automated phone system has perfected the art (? ) of the runaround. Back in 2009, I was told that I was {$13000.00} in arrears ( no foreclosure proceedings had been instituted ). My husband sent them the {$13000.00} and it was not applied to the loan ; it was put " in suspense '', whatever that means. I STILL have no idea where it went. My husband requested a copy of the original loan and we were sent a copy of the loan for someone in XXXX. We had very expensive plumbing problems this last year and got a little behind, so of course they began foreclosure proceedings. Well, that has been " resolved ''. The latest trick is that we have tried no less than XXXX times to request a payoff amount so we can get rid of the headache that Loan Care is, but I have yet to have received it. And again, it seems to be impossible to speak to an actual human being. To add insult to injury, they are also impacting my credit report. My congressman 's office tells me you can help me. I hope so. Please let me know what you need from me. 
Thank you for your time.
Experian refuses to remove this from my credit. The bankruptcy courts of XXXX Carolina do not report to the credit bureaus so this is reported thru a 3rd party which is illegal.
Transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquires be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
A collection item showed up on my Experian and XXXX credit reports. I already filed a complaint with regards to the XXXX report. CFPB people asked me to file another complaint regarding the Experian report. The item on the credit report is called " XXXX XXXX XXXX '' I have never done business with this organization and I am not aware of any debt to them, or to any past-due debt at all on my credit report.
They keep dening me of a loan modification after they request several documentation and I provide them all I ask if the could lower my mortgage because i could no longer afford to pay XXXX because my husband was diagnose XXXX and my son die and i had to bury him from out of pocket because i did not have insurance for him. My husband is now working while doing 3 days XXXX and i have XXXX job and selling XXXX XXXX so we can afford to pay our mortgage i just need to stay in my house of 14 years.
Thursday, XXXX XXXX, 2019 Completed and signed authorization to release my credit report from Experian to XXXX XXXX. 

Friday, XX/XX/2019 Received the following e-mail from Experian Hello XXXX XXXX, XXXX XXXX has invited you to join Experian Connect and view your credit report and score securely. 

To respond to this invitation, please click here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and be sure to use this email address. 

Here is a personal message from XXXX XXXX : I would like to view your credit report by using Experian Connect XXXX XXXX XXXX  XXXX XXXX Contacted Experian via phone to release my credit report to XXXX XXXX at XXXX   XXXX. I was informed that there were no restrictions to view the report. 

Monday, XX/XX/2019 Received a 2nd e-mail from Experian Hello, For security reasons, Experian Connect will not allow you to use this service if there is a fraud alert or a security freeze on your file. We apologize for any inconvenience this may cause. You will have to remove the fraud alert or freeze from your Experian credit report before you can register for this service. You can call XXXX and a live representative will be able to assist you with the removal process. Once the alert or freeze is removed you must wait at least 72 hours from your last registration attempt before you can try again. 

If you are interested in getting a copy of your credit report you can visit XXXX where you receive one free credit report per year. You can also send a written request to Experian, XXXX XXXX XXXX / XXXX, TX XXXX. 

Thank You, Experian Connect Support I completed the application to view the Experian credit report at XXXX, but was denied access. 

I called Experian on three ( 3 ) separate occasions to request an immediate copy of my credit report and was denied. I was informed the credit report will be available in 7 to 10 days. 

I informed Experian I was unemployed and needed an immediate copy sent to XXXX XXXX, and that I couldn't wait 7 to 10 days, and was denied immediate access to my credit report.
There is an unknown account listed from Wakefield & Associates which is unknown and I do not owe any medical as I have insurance and this is again unknown and I have never received validation or anything about this item Wakefield & Associates XXXX {$410.00}
I attended XXXX XXXX University to further my education after High School. I was a first time generation college student in my family and I was unable to afford my college education without student loans. I looked into Sallie Mae and they assured me they would work with me once I was graduated. Instead of explaining that it is better to take our yearly loans, they told me semester loans would be the best. After XXXX college, I had XXXX separate loans at Sallie Mae at 9 % interest a piece. I sent in XXXX monthly payments of {$25.00} for XXXX loans to lower my interest rate during college. However, for XXXX years, my mother and I were harrassed by the company for " not paying the payments on time '' even though my mom sent checks every month. My mother works at our bank and has copies of all checks sent to Sallie Mae with the dates written and when they were cashed by Sallie Mae. In XXXX of 2015, XXXX sent back only ONE of my XXXX payments and said I did not have any loans with them. How XXXX check of XXXX, that were mailed in the same envelope, got returned I will never understand. I have been charged a late fee for that, even though our XXXX checks had been cashed. Then, I came to realize that for the XXXX years we were being harrassed. My loan payments were being applied to all the wrong loans after months of promises that it was fixed for good this time. Because of Sallie Mae wrongly applying my loans, I was the one pentalized with a late fee. I have called for help on my payments and they are not helping me at all. They said my XXXX payments could equal up to {$1300.00} a month and I am currently earning {$1100.00} a month. Sallie Mae harrassed my mother and I at our work places, even after those numbers were put on a " NO CALL LIST '' and we almost lost our jobs as a result.
XXXX offered a insurance plan to insure your debt if you became to sick/lost of job or unable to pay. I was charged a monthly fee for several years. when I became ill and was unable to pay my debt, I applied for the coverage ( 6 times ) they kept saying that they lost the paperwork. A class action law suite was enacted by other members having the same problem. it turns out that they never intended to insure the debts and pocked the money between themselves. " XXXX XXXX & XXXX XXXX v. XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX class action. ( letter enclosed ) You will see that they settled and a cash settlement was awarded to each of us. this debt should have been cleared but it was sold to a third party who calls and sent letters o collection, also they reported this debt to all three credit reporting agencies, causing me to have a lower credit score and denied credit. their name is " XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX phone # XXXX. I have spoken to them on several times and they stated that their boss would not let them look into this matter. what legal action can take to resolve this matter
Because of an inaccurate name, address, and account that appeared on my other XXXX credit reports, I wanted to check my Equifax report. I answered their identity-verifying questions accurately, but it rejected me, which REALLY worries me. I do n't know what to do.