WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX makes a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " Debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from Midwest Recovery Systems does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX ( XX/XX/2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that XXXX obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by Midwest Recovery Systems and XXXX, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.
My Slate account ending in XXXX has been billed interest and fees associated with a charge in the amount of XXXX on or around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA. This charge has been in dispute since XX/XX/XXXX with no resolution, an account supervisor stated today, XX/XX/XXXX, the merchant has not replied and does not have to. This is the second phase in disputes process. The dept handling dispute does not accept inbound calls.. Information was provided prior, as far back as XX/XX/XXXX, showing the items were not received. I know this info was included in initial dispute. XX/XX/XXXX tracking info shows package left with a XXXX XXXX, no one by this name lives at my address and I did not receive the package. Again, this information was provided to disputes reps several times as well via secure message on Chase.com. If Chase reps failed to see it and or act on it, that is their own error, not mine. It appears this is the case as the dispute is now in phase two in which the merchant does not have to reply, according to an account manager..
i purchsed a XXXX XXXX on XX/XX/XXXX for {$350.00} order # XXXX ; on XX/XX/XXXX i purchased a printer for XXXX order # XXXX. I made total payments of {$730.00} however after paying this amount I was sent a bill for {$4300.00} on XX/XX/XXXX.in the 14 page detailed bill they are trying to charge me for motherboards, ink, photo cartiridges adapters, minicards ; the list goes on and on. 
At the time of the purchase I was employed by XXXX XXXX XXXX and bought it through the employee discount program they had with XXXX XXXX, but after receving the bill I discovered that they were charging me for all the items that the Computer Dept purchased at that time period. I tried to explain to XXXX XXXX XXXX but they all they keep saying is that They Bought the Debt on XX/XX/XXXX, which I told them they did not investigate the debt before they bought it and had they, they would have seen it was in error. 
I offered a settlement to them for {$500.00} which I felt was reasonable for the delinquncies ; but they refuse to accept and remove it from my credit report which is ruining my credit rating This company in my opinion is a predatory collector
I called Equifax to discuss an item that needs to be removed but they said they could not find my file?? How is that possible? Its affecting my score! they had me on hold for 2 hours ...
In XXXX of 2016 I used a " XXXX Gift Card '' with a total value of {$250.00} to purchase a product and a XXXX service from XXXX XXXX located in XXXX, New Jersey. The balance on the gift card after the purchase and spa service was {$160.00}. I then used the card once at XXXX XXXX Jewelry in XXXX, New Jersey for watch repair in the amount of {$20.00}. This left a balance on the gift card of {$140.00}. In XXXX of 2016 I attempted to use the card to pay a portion of the cost of new eyeglasses and much to my surprise, the balance on the card, instead of being the {$140.00}, was instead {$34.00}. I was stunned because I had not used the card since XXXX of 2016. I pulled up the account history on the XXXX XXXX Gift Card website and discovered that XXXX had been deducting {$19.00} from my gift card each month for a total deduction of {$110.00}. These deductions were not authorized by me. I contacted XXXX and they claimed they knew nothing about any unauthorized deductions paid to them and that I should contact the XXXX Gift Card Customer Service Center. XXXX XXXX refused to refund the fraudulently deducted funds. I contacted the New Jersey XXXX and a few weeks later they responded to my complaint stating that they tried to contact XXXX but were told the company was out of business. That is not true. The XXXX is still in the same location and still very much in business. I contacted the XXXX XXXX Gift Card Customer Service department in XXXX and filed a written explanation of my complaint. In XXXX I received a letter from XXXX stating that they were unable to recover the funds. This seems to be a scam to me as I did not authorize the monthly deductions from my gift card and have not been back to the XXXX XXXX XXXX since XXXX 2016. Attached is a copy of the Account History showing the unauthorized deductions, the letter from Income which runs the XXXX XXXX Gift Card complaint department and the Chargeback Rebuttal Info sheet whereby XXXX states to Inc that services were rendered which is completely false. XXXX reimbursed me the {$34.00} " balance '' left of the card when it was deactivated in XXXX of 2016 but I am still owed the {$110.00} that was fraudulently deducted from my card without my knowledge or approval and for which NO SERVICES were rendered.
i was a victom of fraud and there is a bankruptcy listed on my equifax credit report that is not mine
To CFPB, thank you for the information you gave us on this matter, we previously sent a complaint to Experian # XXXX concerning old bogus addresses. I have not been punctual in getting back as quickly as I would like to because of my medical issues that I'm having with XXXX   being in and out of the hospital. In Experians response to us they indicated that they were taking care of this issue in a non monetary way and would remove the old bogus addresses and went as far as to send us another copy of my credit report showing only the correct address but did not show the others had been deleted as they state in their paper work description definitions such as " Updated, investigated, or deleted '' we have federal rights to this knowledge and Experian has a legal obligation to comply with the law, but once again they did not.
Transunion Customer service wouldnt help and take care of the following negative inquiries on my credit report 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3.  XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXXXXXX XX/XX/XXXX
I have made 3 payments of XXXX, the loan amount was XXXX. I received a bank fee of XXXX because it overdrew my account. The amount that i Will have paid back is over XXXX of I pay all of the payments. I am a single mother of XXXX kids with XXXX in college. I should have never taken out this loan.
I was not notified of my bill. I had found out that I had a bill from my credit report. I had called the number about it. I told them I never received a letter about my bill. So I asked if I pay the bill can they delete it from my credit report because I was never told about the bill. I had paid XXXX of them and it was never deleted.
FHA CASE # XXXX A modification was approved on my loan for assistance on or around XX/XX/2018 with Wells Fargo ( WF ). At that time the reported gross qualifying income for my family was stated in the amount of {$6100.00}. 

WF, underwriting team attempted to qualify the loan for whats known as the HAMP-FHA, trial plan on XX/XX/2018, which outlined an alleged affordable payment in the amount of {$2000.00}. However, based on front end debt to income ( DTI ) ratios a gross income of {$6100.00}, and a mortgage payment of {$2000.00}, calculates our DTI, at 33.33 %. This amount of 33.33 %, is outside the guidelines set forth by FHA which has a limit cap of 31 % DTI versus 33.33 % and placed our family into a negative position for successfully completing the trial plan and maintaining payments for the long run. My payment should have been calculated closer to {$1800.00}, based on 31 % of my gross qualifying income. 
Also please note that at the time our loan was approved for assistance our back end DTI, was calculated at 91.13 %. As a result of the gross negligence demonstrated by the WF, underwriting team, and failing to comply with the terms of loss mitigation options under FHA guidelines, we were only able to make 2 of the 3 trial payments prior to dropping out of the program. The Department of Housing and Urban Development ( HUD ) has specific guidelines for FHA debt-to-income ratios. HUD is the government entity that establishes all of the rules and requirements for the FHA loan program, including the DTI limits. According to HUD : " Qualifying ratios are used to determine if the borrower can reasonably be expected to meet the expenses involved in home ownership, and provide for his/her family. '' 2018 DTI Limits for FHA Loans : 31 % on the front end. The guidelines also specify that back end DTI should not exceed 43 %. According to official FHA guidelines, borrowers are generally limited to having debt ratios of 31 % on the front end. Those are the current FHA DTI ratio limits for 2018. Currently these requirements to remain in place throughout the year, since HUD has not announced any changes to them. This means the monthly housing payments should not exceed 31 % of gross monthly income, while the total debt burden should not exceed 43 % of monthly income. Needless to say, we are furious that our loan was mismanaged by WF and staff and our family is considering filing a civil suit in order to force WF, to refrain from this abusive underwriting platform which they operate under as well as have our loan reconsidered for assistance under the proper guidelines set-forth by our loan investor, FHA.
I received a notice from Navient saying they were changing the terms of my student loan. They added an extra 10 years to the payment plan. This will add thousands of dollars in additional interest to my loan. When I took the loan out from XXXX XXXX in XX/XX/XXXX it was for 20 years and I been paying this off regularly. The loan was to be paid off XX/XX/XXXX. Now Navient wants to move the maturity out another 10 years! I called them on XXXX XXXX and spoke to XXXX ( CSR ), XXXX ( Supervisor ) and XXXX ( Senior Account Supervisor ). XXXX admitted that Navient added the extra 10 years and said he would refer my complaint to a Monetary Report Board for resolution. I have not received a response. I want Navient to honor the original loan terms that I agreed to with XXXX XXXX. Please help.
When I took out the loans with my co-signer from XXXX, what the terms of repayment would be, including but not limited to the interest rate, were very unclear. I went through college with the understanding that student loans were a great way to pay for college with fair and favorable repayment terms. Since then at several different points I have felt like a bait and switch. The terms include what seem to me to be an extremely high interest wait on XXXX of the XXXX loans which is at 9.75 %, which accrued annually while I was in school. Then I went back to school after paying on my loans for about 18 months, and they went into in school deferment, but at no time was it really made clear to me that the maximum they would allow would be 4 years. I am currently enrolled in a XXXX and now have to start making payments again. Due to the High interest rate and being in school the accrual amount of interest added to the unpaid principle balance has nearly doubled the amount I owe to pay off the loans.
Portfolio Recovery Associates collection agency bought a fraudulent debt from XXXX XXXX XXXX in my name a card which I never applied never used never paid and was dumped by XXXX and bought by pra now pra is producing listing on my credit report for XXXX XXXX XXXX  which has already sold the dead which is not right and their debt buying listing also which is against the law as I have no agreement to pay the debt especially a fraudulent one to them they also failed to validate what does that is for they do n't even have my personal information
XXXX   XXXX ,   XXXX   Account name Collection Consultants of California  Inc. ( C CC )  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX , CA  XXXX  (  XXXX  )  XXXX  Account number :  XXXX   XXXX . CCC letter correspondence  XXXX   XXXX ,   XXXX  .     Original creditor  :   XXXX   XXXX   XXXX   XXXX  We are writing to ask that CCC update our account, and that you inform all  XXXX  credit reporting agencies to delete all CCC account activities from our credit report.     CCC has inaccurately reported account activities to the credit reporting agencies and negatively impacted our credit report and score for several years.     We will use all legal means to protect our rights and accurate account reporting.     CCC has unfairly and unreasonably approached alternatives to delete all account activities, similar to other account payment companies.     However, in order to reasonably close this matter, we are requesting that CCC mail us a formal response offer to significantly reduce any open account amounts and an offer to delete all account activities from our credit report immediately.     We will then review your offer and contact you.     Thank you for your consideration.          XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , CA  XXXX .
I was provided an offer to earn XXXX bonus AAdvantage miles if I signed up for a citigold checking account and met certain requirements within 60 days. I confirmed with Citibank in writing that I qualified for this offer and I was ensured that I indeed was qualified and enrolled in this offer. 

I confirmed I was enrolled and qualified for this offer on XXXX separate occasions in writing. When I eventually met the requirements for the promotional offer, I was informed that I had met all requirements and I had to wait 90 days for the AAdvantage miles to arrive and that I would incur a {$30.00} monthly maintenance charge on this account. After 120 days I had still not received these miles promised by consumer representative. In conclusion, Citibank provided a promotional offer that required waiting several months while incurring banking fees before AAdvantage miles could be awarded. Then, once the promotional requirements were met, the consumer representatives promised AAdvantage miles would be arriving in 90 days. After 90 days, I was told I wo n't get this miles even though I was told at several times I would.
I took out a reverse mortgage with Reverse Mortgage Solutions, in the amount of XXXX, XX/XX/XXXX. I was delinquent in my taxes and insurance, so they agreed to redo my agreement and let me pay them back monthly, which I did, faithfully, every month. I have been putting money in a savings account to pay this year 's taxes, and took out an insurance policy to cover the mortgage this past month. I had a verbal agreement with the woman handling my account to pay back the loans for the taxes and insurance. On XX/XX/XXXX, I got a letter in the mail from Reverse Mortgage Solutions, telling me that I needed to pay off the full amount of the loan, or go into foreclosure. I called the lady today, however she told me that her boss decided to not renew the loan, and instead asked for the full payment of the loan, or go into foreclosure. I am a XXXX, retired person with no job and no way to pay off this mortgage, which was not my original agreement in the first place. Every one of my conversations with my contact were recorded.
On XXXX/XXXX/17, Equifax had a huge IT security breech and hackers obtained the personal SSN and credit card numbers and histories of many people. I am one of them. Due to Equifax 's lackadaisical approach to IT and computer security, I now need to monitor my reports for any fraud, place a freeze on my credit, and need to monitor my tax filing closely. There was no way on my end to avoid the security breech, however Equifax had the money and resources to prevent it.
Owner of the loan would not work with me. The servicer they use is Chase Bank. Chase Bank made mistakes and delays causing great hardship. The lack of help forced me to sell my home at a loss for {$90000.00}. Home is worth {$160000.00}.

XXXX XXXX XXXX  as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I received my XX/XX/XXXX statement from American Express and paid the balance of {$7300.00} in full and on time. I opened my XX/XX/XXXX statement expecting to see a XXXX balance - instead, there was an interest charge of {$60.00}!! I had made no additional purchases, which was confirmed on the statement. I called American Express XX/XX/XXXX and inquired how could I be charged interest on a XXXX  balance? The CSR stated it was trailing interest and I would be charged a late fee if not paid. I specifically asked if I would receive a statement with a XXXX balance and I was told yes, and I mailed the payment, on time. Today is XXXX-19 and I have not received a XXXX balance statement. First of all, I can not believe it is legal to charge interest on a XXXX balance. Secondly, American Express has habitually failed to mail my statements and I have called multiple times over the past 2 years having to request statements. I don't believe American Express is operating in good faith. It seems to me they are deceptive charging interest on a XXXX  balance AND they don't mail statements - which may be to generate late fees. I'm sure collectively, I have spent hours on the phone to request statements. By the way, I never made a late payment, ever.
I received a call on  XXXX   XXXX ,   XXXX   early in the day. Call was from  North Star Location Services. Spoke quickly and left a telephone number to call. Voice said this is a call from a Debt Collector. Did not know this company and never did business with the company. Company 's  telephone number is  XXXX .     Message was left on my voice mail. I did not respond.
Equifax refuses to provide the free credit report online or by mail. The last time that I was able to obtain my credit report online was on XXXX. Since XXXX, they always ask XXXX bogus questions to verify my identity, which I correctly answer as " None of the Above '', then they tell me that they ca n't verify my identity and that I have to apply by mail with copies of my driver 's license and SS cards. I have done that and still never get my credit report back. This year, I tried again and, once again, got the XXXX bogus questions. This only happens with Equifax XXXX give me my report without any problems. A quick XXXX search for " Equifax '', " Credit Report '', and " None of the above '' will yield thousands of complaints from other users for the same problem that I am having.
Prior to XXXX  XXXX XXXX incorrectly reporting my payment status for 8 months I had a higher credit score. After filing a complaint with CFPB I finally got the negative report corrected but my credit score never went back up. My score continues to be low despite the correction. I have called all three credit reporting agencies but to no avail.
My account had fraud and I filed a police report. In total, PNC has charged {$510.00} claim with XXXX. Yesterday, this 1 derogatory credit file prevented me from opening a credit union account. Please advise.
IQ Data International In. Has called not only me but my husband as well. When we are at work, at night, or even when we are driving. We explain that we can not talk at the moment and that they can call us at a later time and we usually give them a time to call. They complaint and say comments like if you cant talk right now then why did you answer we respond saying that were at work at the moment and cant talk nor make any payments due to us not having our card on us. They respond saying so you go to work without your debt card? Does that mean you dont have your wallet? So youre driving without a license. That doesnt make any sense we respond saying we cant pay anything that day and to call us on Friday to see if we can negotiate anything they respond saying this is a one day offer. Youve had this since XX/XX/2017. If you dont pay this then its going to stay as delinquent on your credit and it wont come off. Unless you pay it now. And we continue saying how we can not pay it at the time and they can stop calling us and pushing us or they can call back when we can talk and pay. And theyll sigh and say whatever its just going to stay on your credit once they pushed me to call a family member and borrow the money from them or to get their credit cards. Once I reply that no one in my family has the money or credit cards they start to ask how we pay for stuff, or afford anything. When thats none of their business. They have called and harassed us for months and continue and wont leave us alone until we can call and pay them.
I am XXXX veteran on XXXX XXXX a transfer was made from my account ; in the amount of {$1200.00} from my direct express account without my authorization, I have sent several letters and all requested information, regarding the dispute ; was told today, they closed the investigation ; without discovering what happened to my money. Please help me recover my money. I have tried repeatedly to get answers from direct express, without any response!
Experian claimed they had removed all of these fraudulent inquiries but again despite sending the an inordinate amount of law enforcement affidavits they have done nothing. I still have them stuck on my report, I continue to provide them the accurate information. I pay a sacrifice to this country by entering the military to support what? A group of individuals that think they can break XXXX XXXX XXXX? This is not what i fought for, to defend the rights of corporations like this to take advantage of ex-military. XXXX, some of these inquiries are anti-logic. For example the XXXX account, which was included in the report should have been blocked as officer XXXX and XXXX said. As it was entered into the DOJs Sentinel. XXXX, XXXX did not pull my report XXXX Times in a row. They have been adamant they have never done that and asked Experian to mask them. 

Experian Has yet to respond to anything I send, nor even to the CFPB.