WillisBack/dataset-financial-user-claim huggingface dataset:
Company called named Regency Capital corporation. 
XXXX XXXX called saying he has been obtained to deliver legal documents no later than XXXX on Wed, that will require my signature. He stated the county requires he deliver these documents to my residents and if I was not there they will go to my place of employment for signature. They stated I will need identification for there purposes. 

I called the company back. The company said they were not a debt collector but they still said I could pay them in order to stop the thing from escalating. I never received anything before from this company stating I owed them money. 

I asked for them to send me something in the mail that stated what I owed and why. He kept asking me for an email, and did not want to send anything in the mail. I finally got him to take my address. at which point he said he would send me a letter. 

I then asked him for his address. He asked me what I needed it for. I told him it was to send a validation letter. He said they do n't give out there address over the phone and that it would be on whatever they mailed to me. I was persistent and kept asking for it. Eventually he almost whispered it to me over the phone. 

I couple of things to note. He said they were going to sue me if I did n't pay. I believe this is threatening legal action. which I do n't believe is legal. 

They never stated they were a debt collector, yet would still take my money if I had agreed. They are also threatening to come to my work, which I hope is not legal.
I applied for an apartment online. Was approved but i never signed a lease due to some unforeseen circumstances. I informed the company after approval, nothing was due to me online as the system allowed me to proceed and complete application.     They sent a letter to my previous address which i tried to resolve with the office but they could not hear any of it and sent to collection.     I responded and paid the  XXXX  application as per their website and form signed.   The collection company has further sent my account to collection.     I dont have a problem to pay but i want justice.
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX after they repossessed my car, demanding I pay XXXX immediately to get my car back. I didn't have that money up front and I tried to negotiate with them in working on a payment plan or pay back the payments I had but they wouldn't want to do that and at that time my car was still available. On XX/XX/XXXX I received another letter account number XXXX ( account to auto loan ) had been sold for XXXX! How was I supposed to come up with 8 plus grand in one month! I remember talking with XXXX XXXX XXXX who was so rude and unprofessional that talking to him trying to take care of this was very difficult and he retired shortly after we spoke before XX/XX/XXXX letter. On XX/XX/XXXX I received a letter threatening to sue me for my outstanding loan balance signed by XXXX XXXX. XX/XX/XXXX another threat in attempting to collect the debt by which I never spoke to XXXX because of the first time. Never heard from XXXX though it was sold to a third party debt collector Calvary Portfolio services. Not sure exactly when but it was beginning of XX/XX/XXXX I believe XX/XX/XXXX according to affidavit claim ( letter attached ) On XXXX XXXX I sent Calvary Portfolio a letter asking them to verify the debt before making any payments ( letter attached ). Calvary never responded to the letter within the 30 days according the FCRA and never heard from them until XX/XX/XXXX not sure the exact date I was served a summons for a credit card account with XXXX which I never opened XXXX? I had a line of credit but never owned a credit card. I responded on XX/XX/XXXX and received the summons 20 days before that XX/XX/XXXX. I stated that I object to balance owed and I never took out a CC with them and it was the account ending in XXXX? I don't even know what that account is? I never banked with XXXX after all this. 
On XX/XX/XXXX I had packet with my paperwork signed by me in regards to the auto loan and the repossession fees etc and a court date of XX/XX/XXXX. I thought the letter was a another attempt to collect and I never showed up to court thinking the state of limitations was long passed and only making a final payment in XX/XX/XXXX. A judgment was entered of the day of the no show and one year later my wages are being garnished through my work! How did they get that information? How did they know where I worked? I was never notified or properly served and I didnt know I could dispute it. I also wasnt given the proper documents to even challenge the judgement I never received anything that there was a judgement against me. I found out after my wages were garnished.
On XX/XX/2018, I submitted a dispute to Equifax in regards to a collections account which is hindering me from purchasing my first home. I did not recall having an outstanding collections from a medical provider nor had I received any notices in the mail. I then sent a letter asking for Equifax to advise me of the names and addresses of the medical provider, the dates and types of services that were supposedly provided. I also asked Equifax to please provide me with the name of the person that provided the data and the manner in which the data was provided. 

After waiting almost one month, I received a reply from Equifax which just stated " verified and account belongs to you ''. It was devoid of any of the requested information that I asked to be provided to me. As of XX/XX/2018, I'm still trying to have this information deleted to no avail. I have not been able to be qualified for a home loan and I believe that's it unfair to damage a persons report. I have provided my initial request to Equifax and their response. I'm seeking help. 
Thank you for taking time to read this email.
I have contacted Experian regarding an inaccurate bankruptcy chapter XXXX on my credit file that is reporting inaccurately. I have contacted bankruptcy court. 
Experian has not contacted the court yet experian has verified this injurious tradeline. 
I have disputed the bankruiptcy and have sent XXXX method of verifications article numbers ; 1 ) XXXX ( Date XXXX/XXXX/2016 ) 2 ) XXXX ( Date XXXX/XXXX/2016 ) 3 ) XXXX ( Date XXXX/XXXX/2016 )
Goldman Sachs purchased my mortgage note from XXXX XXXX in 2006. A securitized transaction that included my home loan was completed on XXXX XXXX, 2006. 

The transaction names XXXX Bank as the Trustee for Goldman Sachs XXXX XXXX XXXX XXXX. 

The transaction is deemed invalid, as the mortgage note was not transferred or recorded into the Trust within the 90-day closing period that is required by New York law and the Pooling and Servicing Agreement. 

For the past few years, Goldman Sachs has relied upon XXXX XXXX XXXX Mortgage and XXXX Bank to fabricate fraudulent Assignment of Mortgage documents in an effort to gain a legal standing to execute a foreclosure sale against my home. 

These types of action have led to the recent approval of a civil lawsuit against Goldman Sachs for {$5.00} XXXX Dollars ; which, I am seeking inclusion in the suit for wrongful foreclosure, unfair business practices and excessive emotional grief. 

Without recording the mortgage note into the Trust within the required 90-day time frame, Goldman Sachs, its Trustee or other representatives have no standing to foreclose on my home. 

I am a U.S. veteran who should not be subjected to shady financial transactions that were orchestrated by banks / investors who assisted in the toppling of our country 's financial system.
Equifax is still showing a Debt Collection that is no longer open and has been requested for a deletion by XXXX XXXX XXXX. This was requested on XX/XX/2017 but has yet to be removed from Equifax credit report. This is a direct violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Per XXXX XXXX XXXX response to compliant ID XXXX " We have followed our dispute policy and haven't had any further communication with the consumer. No future follow up is planned. Our dispute policy is once we have received a dispute we immediately stop all collection efforts and send a record of dispute to all three credit reporting agencies. Then we request validation of the debt from our client and once that is received we forward that on to the consumer for review. If validation is unobtainable then we immediately send a record for deletion to all three credit reporting agencies and then close and return the account to our client. Additionally, in this instance a record for deletion has been sent to all three credit reporting agencies. ''
This loan was never verified and is a result of someone using my information. Company refuses to supply me with information to further correct the issue and the account is now reporting negatively on my credit report.
I have tried to contact the company ( XXXX ) in regards to a wrong reporting of 2 payments. It was on automatic payments and they failed to accept the payment on  time. Back in XX/XX/XXXX and XX/XX/XXXX they reported on my credit report that they were late yet have not been able to provide evidence to validate i the consumer is at fault. I have requested for them to removed these false accusations and have not been taken into consideration.
I have a  Costco Anywhere Visa Card by Citi Visa a nd have been pursuing a resolution to a disputed transaction for over 4 months.     On  XXXX   XXXX ,  XXXX  we made a reservation at  XXXX   XXXX  for {$620.00}. Later that day we realized we did not need the reservation and cancelled. The resort issued a credit for that amount the same day.     On  XXXX   XXXX ,  XXXX  ( the day we had originally planned to stay  )   XXXX   XXXX  charged us {$620.00}.     On  XXXX   XXXX ,  XXXX  we disputed the charge with Citi and they issued a conditional credit for {$620.00}.     On  XXXX   XXXX ,  XXXX , Citi reversed the credit.     My wife and I have made over half a dozen communications to Citi regarding this issue and are no closer to a resolution. I have a dispute number of  XXXX . Per their request I have asked in writing ( via email to  XXXX  XXXX  XXXX  on  XXXX  ) to reopen the dispute.
I have not been able to access my account for 2 months. They have not been sending me updates on what is happening. I have been sitting in the dark until I have to ask for updates. I do n't see why it is taking so long to fix my account.
Hello this account was opened in   XXXX   in  XXXX   XXXX  I live in  XXXX . This person opened this account was not me
I could not make a payment last Friday XXXX XXXX/XXXX/2015 XXXX, and I am now receiving threatening emails from attorneys. I have been threatened to pay immense amount of lawyer fees ; and will face jail time. Allied cash advanced is now harassing me with phone calls, as well as numbers that are n't identified.
For as long as places have been checking my credit, the past 10 years, experience has had difficulty reporting returning credit reports to people that request them from Experian. They say its because of my last name which is just one letter long. XXXX XXXX and another lender have most recently tried to get credit reports from them in XX/XX/XXXX and XX/XX/XXXX of this year to no avail. XXXX XXXX is not able to process my mortgage preapproval because Experian does not return a credit report. Experian has no automated phone service that I can dial into to get help on this, and there is no option to speak to a live person. The only option they give is to write actual mail which has no guarantees of receipt or processing. There is also no given response time. XXXX and XXXX both return reports.
I have a few issues with the investigation that Experian did. I sent them a letter stating some errors I saw on my credit report and their response was completely unacceptable. All the responses say are " Remains '' which Experian pointed out means that no changes were made. " Processed '' which means that they are n't even done with the investigation! and " Updated '' and according to the letter I wrote them, there is no new or relevant information on the accounts making their statement a blatant lie! Not only did I point out the errors but I made it clear that I was not disputing that the accounts were mine, only the missing information, and issues with the payment history. I do n't think that Experian read my complaint at all! I ca n't believe that they would send me such a horrible response, I am genuinely concerned about my credit report and what is being reported on it and it is Experian responsibility to make sure it is correct. I am demanding these be fixed and my complaint to be read by a real life, breathing, thinking human being so that my voice is heard.
I spoke to a loan officer ant my local bank about a refinance of my mortgage. We started the process. I was told I would get an interest rate of 3.5 % and my closing costs would be financed into the loan. My officer would than ignored my repeated attempts to reach him. The original loan close date and rate lock date came and went, but the rate lock was extended by the loan processor. When my loan officer finally get back in touch with me he said the rate had gone up to 3.9 % and I would now have to bring {$3500.00} to close. I then reached out to his manager who said he could still get me 3.5 % but I would now have to pay 2.375 % in points in order get the rate that I was told I could have in the beginning and now I would have to bring about {$2400.00} to close. My credit has not changed over the 3 months that this process has taken. Interest rates have increased since I started this process, now I can not even go to another bank because of the time that this loan officer and bank has wasted. Because of this fact I agreed to proceed with the new figures to see what the final numbers would look like. Since then my wife received a student loan disbursement. We put most of it into our savings account. I had also been putting some money into the same savings account in anticipation of needing more cash to close. Now they are telling me that I can not use the money that I put out of our checking account into savings for my cash to close money. The amount of money I put up would be enough to cover the closing costs, even if we did n't get the disbursement. I feel like they are trying to discourage me from closing this loan because rates have gone up and they do n't want me to have the lower rate that I was promised in the beginning of the process. I also feel as though they have been deceptive from the beginning of the loan process. They keep moving the goalposts on me every time I meet XXXX of their requirements or agree to new terms.
This number constantly calls my place of employment, anywhere from XXXX7 times within an 8 hour day, 5 days per week, for the last month. I do not know what they are wanting because they will hang up or place me on hold for a representative. I 'm at work so I am unable to hold, nor am I allowed personal calls. I am reprimanded every time this happens.
I lost my job 4 years ago, so I tried to get help with a Hamp loan modification. Nationstar told me I was not in enough hardship and denied the modification. I had to file bankruptcy so I worked XXXX sometimes XXXX jobs to make my over {$700.00} house payments. I could not miss payments because of my bankruptcy. Now I tried again to get help because I ca n't find a part time job any longer. Again I was denied because not enough of a hardship. XXXX paycheck does n't even cover XXXX house payment. If XXXX or hamp is a federal program, why ca n't I get help now instead of when I get deeper and deeper in debt. I am XXXX XXXX XXXX old, and only have XXXX years on my loan. So what am I suppose to do?
I was tricked into an online learning college scam and ive become aware of it a few months to this day. I was pursuing a dream of becoming a XXXX, but unfortunately I was not lucky at the moment I enrolled in an online institution because there was no XXXX degrees being offered at the time XXXX of Puerto Rico. So I decided to entrolled at XXXX XXXX ONLINE to start pursuing a career XXXX. I asked for several loans to pay for the courses I was enrolled in and transactions were made between the education institution and the financial lender XXXX XXXX to cover the expenses of the degree, which were pretty expensive. XXXX XXXX XXXX was charging me {$300.00} per credit and the concentration courses were even XXXX credits, each course lasted 9 weeks and I only lasted 2 years before finding out that a college in Puerto Rico, XXXX College, was offering the same degree, and I didnt had to pay a cent for the same education and even a better one. I was told that not even XXXX charges {$300.00} per credit. Now I have my degree but there is still no jobs XXXX, neither I have being able to start my own business due to the poverty level im under. I survive by doing a job here and there, by donations my parents give me and by welfare I got at the moment of enrolling in XXXX COLLEGE due to the benefits a student renter has for having such low income. 

I understand that there is a debt forgiveness XXXX practiced in the economic world. Similar to XXXX XXXX XXXX where every seven years debt must be forgiven. There had pass 8 years almost and yet, my debt has not been forgiven.
The complaint is in regards to a full payment that was made on the same posting day of the amount charged to a credit card account that incurred a debiting transaction initiated by overdraft protection tied to that account. The initial charge was {$100.00} plus a {$10.00} fee for utilizing the overdraft service. The {$100.00} charge was paid back to the credit card account on the same posting day it was debited via direct wire transfer from an account housed at the same institution. As a result the credit card/bank has applied an outstanding finance charge although the balance was not carried over to the next day or accrued in a " daily '' manner. The result of a small finance change appearing on the statement illustrates an interest charge that accrues by the " minute '' pursuant to a cash advance and not one that accrues daily per their Terms of Service. The institution was not without the funds for a period of 24 hours so daily accrual is non-applicable in this situation.
XXXX Removed this from my Credit Report and added it back on with out my knowledge. I have dispute this and they denied my dispute. I know have this redispute. I need to see how can I get this removed. I have not received any mail or telephone calls on this. I am really in the dark on this collection.
On XX/XX/2018 I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX ( hereinafter Collector ). There was a misrepresentation of the type of debt specifically they called it a " loan ''. On XX/XX/2018 I faxed and mailed a dispute letter demanding validation of the debt. On or about XX/XX/2018 I received collectors documents pursuant to the demand for verification. Collector failed to validate the debt according to the XXXX XXXX  found in XXXX  v. XXXX XXXX   which requires a detailed accounting of the account. I had a credit limit of {$500.00} on this account and they simply show a starting balance of {$690.00}. I asked that they detail the amount shown and provide the information that would reach this amount. The dates of the account closing and this amount to not make sense. They failed to validate accordingly. In a letter dated XX/XX/2018 I informed collector they have failed to verify the debt. To date XX/XX/2018 they have not responded to that demand. Accordingly, they have failed to validate the debt, they reported it to the credit bureaus without indicating it was in dispute and they reported it BEFORE the validation period expired.
Caller named XXXX XXXX called my employment. When I called him back he immediately raised his voice and started yelling at me and arguing with me. He would not give me any information as to what type of debt he collecting. I told him that he was not allowed to call me at my employment and he continued to argue with me in a very violent harassing manner. He hung up on me and then immediately called me back to " prove a point '' is what he said.
I have requested information several time to verify if this account is mine. To no avail have I receive anything from this company.
If wells fargo does n't handle any domestic dispute. Then why did they get involved when XXXX XXXX falsely accused me of harassing her. I have never harassed XXXX XXXX, and how was I harassing her when I was told by wells fargo to come in a local wells fargo brance to get my new account open. It was all a set up by wells fargo to falsely accuse me of harassing her. I did not know at the time that she was in the bank. I was only taking care of my own banking business. XXXX XXXX is using her position to do unethical and felon criminal things toward me. Wells fargo refuses to explain how i am continuing to harass her. I was only in the bank to handle my own banking business and XXXX XXXX had no right to interfere in my business. Wells fargo has the definition of harassment all wrong. I have never harassed XXXX XXXX she has always harassed me and I take it as an insult for wells fargo to believe her side of the story over mine. If they do n't handle domestic disputes then why did they get involved to close my account, due to my " Continued harassment of their " PRECIOUS '' district manager XXXX XXXX. This was a injustice done to me and is completely unfair how they have allowed XXXX and XXXX XXXX to harass me and slandered my name which caused me to lose my checking account. I only had my new one open for a few weeks and it is an " OUTRAGE '', that they let this happen to me. Banks are suppose to take privacy issues very serious, but they let XXXX and XXXX XXXX violate me and my sons personal and financial information to be compromised. The first story wells fargo told me that my account was " COMPROMISED '' which is why they closed it, and they told me i had to come in a local wells fargo branch to open a new one. Its a plain insult after running me back and forth trying to get my new account open, for XXXX XXXX to say that I harassed her and close it. There is " SECURITY FOOTAGE '' to show that I was only handling my own banking business. There is something very wrong here if wells fargo refused to look at the security footage but took her side and refused to listen to my side of the story. XXXX XXXX has " DEFAMED '' my character all around wells fargo and getting her co-workers involved in the unlawful and felon harassment against me. The reason why wells fargo is protecting XXXX and XXXX XXXX is because they big bosses at wells fargo are felon criminals to. It was n't " FAIR '' that wells fargo closed my account and told me I could n't enter into a wells fargo, even if i had any type of loan. I was to conduct any type of business over the phone, this was a direct violation of my " CIVIL RIGHTS ''. And how they still allow XXXX XXXX to do unethical and felon things against me.
I am resubmitting a complaint to chexsystems because in their response they refused to remove the fraudulent inquiries that have appeared on my chexsystems file due to my police report date not being close to the new fraudulent inquiries. I have filed another police report listing XXXX and XXXX. I have not received the letter they stated they sent with the new report. I have yet to see what is on my Chexsystems file but the only inquiries that should be listed are XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Any other inquiry on my file is fraudulent. I also never requested for a fraud alert on my XXXX file. They mentioned that I can dispute through them XXXX to remove the fraud alert on my consumer risk file XXXX.