WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 around XXXX EST Portfolio Recovery Associates LLC provided information regarding my debt to an unauthorized third party without verification and in  direct violation of the FDCPA. Management confirmed this violation of the act and apologized claiming it was a new employee who made the error. Furthermore, the debt in question does not belong to me as I have disputed it on several occasions due to it having been on my credit report for a span of more than 7 years. I have rights as a consumer that were violated by this company in more ways than one. This item should be removed from my credit report immediately and my number and personal information removed from their system.
Credit Management posted a Collection to my credit report the day after the balance was paid in full to the original creditor.
I closed on a HELOC with Santander last fall. It was a 30 year loan with a 20 year draw period and a ten year repayment period. I signed up for interest only payments for the draw period, with an eye towards locking the interest rate at some point. 

On XX/XX/XXXX, I called Santander to lock the interest rate on my HELOC. I spoke with a consumer lending supervisor out of Pennsylvania by the name of XXXX XXXX. 
XXXX explained to me that my interest rate would go up from 5.75 % to 5.94 %. I specifically asked him what my new payment would be and he estimated it at {$500.00} for 15 years. I asked him what the interest rate would be after that period. He said he was not sure and that we would cross that bridge down the road. 

Flash forward to XX/XX/XXXX. I am online looking at my accounts for another reason and I see that my next monthly payment has more than doubled. My payment in XX/XX/XXXX was {$460.00} and my payment for XX/XX/XXXXis {$1100.00}. 

I am surprised and call Santander to find out what happened. It is explained to me then that when the interest rate was locked, this automatically restructured the loan as a 15 year fixed interest rate loan. XXXX XXXX never explained this to me and, in fact, was seemingly unaware of this ( to think he knowingly misled me is ghastly to consider ). Recorded phone conversations will confirm my account. I also never received documents to sign or any correspondence from Santander regarding the rate lock and the terms. 

Conversations with Santander agents were less than helpful. I was told that research could take 5 business days or more and the resolution time beyond that varies. 
On XX/XX/XXXX, when I mentioned to a supervisor named XXXX that I would be submitting a CFPB complaint, I finally made some progress. XXXX called me back and told me she could reverse the rate lock on her screen ( why didn't the several other supervisors and agents that I spoke with realize this? ). XXXX told me that my terms would return to what they were before the rate lock ( which would be interest only payments during the draw period ). The caveat, she explained, was that my XX/XX/XXXX payment would still be {$1100.00}, which is significantly higher than the {$460.00} payments ( there and about ) I am used to. 

Given that the mistake was egregious ( a supervisor either willingly misled me or was grossly negligent in how he handled the rate lock conversation and, then, request ), I do not believe that I should be forced to make the {$110000.00} payment. I would like to have my XX/XX/XXXXpayment recalculated to be an interest only payment based on the original loan terms.
I initiated a home loan in XXXX 2015 with a closing date of XXXX XXXX, 2015 with Bank of the West. The first closing date was extended due to the Appraisal department of Bank of the West accepting a turn in date for the documents two days before closing. The next closing date was cancelled and the loan objected because they were unable obtain Mortgage Insurance for not providing sufficient comparable properties. 
I have listed the following issues I have experienced below : - Our loan processor rarely called or emailed us to keep us in the loop of our loan. I was rarely successful in contacting him when I attempted to call. 
-The realtors and myself were lied to by senior processor XXXX XXXX when we asked for an explanation of why the appraisal took two weeks to get back to the bank. I called the appraisal company and asked why it was taking so long and they stated " Someone from the bank called and said the documents were agreed to be delivered on XXXX XXXX, 2015 ''. XXXX XXXX emailed all parties involved and stated that it was the Appraisal company that changed the date of acceptance, ( When in fact, it was XXXX XXXX in the Appraisal department of Bank of the West ). 
- The loan processor did not get approval from myself to order a " RUSH '' document processing fee based on their mistake in ordering a document late. A non rush document fee is significantly less and was not shown on the signature form they sent me and was ONLY necessary due to their last minute performance. 
- It came to our attention in more than one occasion that all of the people that were involved in the processing of our loan do not work on Fridays nor have contingency for calls or document handling in the event of their absence which was not told to us when the loan was initiated. 
- The loan processor stated in email the an ILC, ( improvement land certificate ) would not be needed and ended up charging me for it anyways stating, " It 's a titling thing '' in contrast to an email conversation we had prior. 
- Was called in the beginning of the processing by an alternate agent who interrogated me as if I were some rogue. 

I feel that clearly what Bank of the West of XXXX has done has shown a repeated unprofessional nature and specifically a Failure to Perform/Breach of contract on my loan and wish to be compensated for the fees, charges and time that I have lost as a result of their failures.
Went to Wells Fargo to open an account with a representative, explained to her I came to the bank to open an account to receive direct deposits from my job. I excplictely told her I only want a checking account. About 3 weeks later I get notices in the mail and I see I have a savings, and a line of credit open. I call in to Wells Fargo and explain the whole ordeal and was very frustrated. I got my account removed. 

I went into another branch because I did n't feel comfortable anymore in that store. The agent told me I was not able to open anymore line of credit for a long time. 

I should not be punished for closing an account, when I had no idea it was open in the first place
My name is XXXX XXXX and I have been attempting to get a loan modification from my current lender SPS, I was approved a modification with my previews mortgage company XXXX XXXX XXXX and unfortunately my loan was then sold to SPS who did not honer the agreement in place. Now I am facing foreclosure and are unable to re finance the loan nor bring the account current.
XXXX XXXX ( XXXX XXXX XXXX ) contacted me about an alleged debt. I responded with a debt validation letter requesting several items. They sent me two of the things I asked for. I responded telling them that they did not provide what I asked and that if they did not provide it, I would assume that they did not have the right to collect on it. They did not respond. Instead, they sued me. I know they are currently barred by the CFPB in regard to filing suits in which they do not have proper paperwork but yet they are still doing it.
On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from XXXX XXXX XXXX. The funny thing i that they are collecting for Sleepy 's which was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all XXXX credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.
CONTACTED CHASE AFTER AN UN AGREED CHARGE AMOUNT FROM A RENTAL CAR BUSINESS XXXX. CHASE MANDATED A FORMAL LETTER AND POLICE REPORT NUMBER. XXXX WERE PROVIDED FOUR MONTHS LATER AND AFTER A PHONE CALL CHASE WAS CONTACTED AGAIN FOR STATUS UPDATE. CHASE PROCEEDED TO INFORM ME THAT THERE WAS NO RESOLUTION AND THE DISPUTE HAS BEEN CLOSED NO ONE CONTACTED US NEITHER BY LETTER, EMAIL PHONE CALL NOR TEXT. THE VEHICLE THAT I RESERVED AND AGREED TO PAY WAS BROKEN PER THE RENTAL OFFICE AND THEY UPGRADED MY VEHICLE. OTHER OPTIONS WERE AVAILABLE SUCH AS PROVIDING ANOTHER SAME CLASS VEHICLE AND BEING XXXX THAT WOULD BE A POSSIBILITY.
I have been getting letters from Portfolio Recovery associates in regard to a XXXX account. I sent them a certified letter stating I wanted to validate the debt. All they sent was a statement from XXXX with an amount. I have NOT ordered anything or approved any purchase from XXXX since long before 2010. I do not have any information as to what I am suppose to have ordered, so I have no idea what Principal I am suppose to pay on. I did talk with them several months ago and they said I had an extended warranty on there, but again, I have no XXXX products nor have I ordered any thing from XXXX in well over 7 years. When you purchase a car, you know what your paying on. With XXXX and this collection agency, neither have provided any information as to what I supposedly ordered or I am paying for.
I HAVE A COLLECTION FROM RESURGENT/XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS XXXX. I DO NOT OWE THIS COMPANY ANY MONEY, I ALREADY FILED A POLICE REPORT AND MAILED IT TO XXXX  XXXX   AND XXXX. I REQUEST THAT THIS ITEM BE REMOVED.
Elan Financial Services, offered a card through my bank XXXX XXXX in NC and closed it for non payment, with no notice. In addition, no invoices were sent and I was unaware there was a balance on my account. Clearly this is going to impact my credit rating. 
I used the card and then stopped usage of the card due to fees, and did n't use that card for many months ( around 9 months ). When I called about a question related to points, the firm informed me they closed my account for non payment, with no written info or calls. I validated that Elan Financial Services had my correct mailing and phone number on file and did nothing to contact me to inform me of any issue where by we could have resolved it.
I have a a unverified account from AD ASTRA RECOVERY SERVICES. I had previously disputed this account. I have never done business with AD ASTRA RECOVERY SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA RECOVERY S ERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. )
An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA RECOVERY SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 
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I want this fraudulent, unauthorized information removed from the credit reporting agencies. I am a XXXX XXXX XXXX XXXX woman trying to repair my credit after my 20 year marriage ended. PayPal has been making unauthorized, fraudulent hard pulls that have caused my credit scores to drop. I am trying fervently to get PayPal to remove ( XXXX ) XXXX XXXX XXXX dates XXXX XXXX, XXXX and XXXX XXXX, XXXX from my credit report. I have followed their instructions to make a written complaint two times, and have made several calls with no resolve. Each time PayPal has sent me a response stating that they are not able to make any removals, they will have to be done by the credit reporting bureaus. When I contacted the bureaus they said only the companies in question can remove them. I contacted PayPal again and they now say that their back office can not remove anything because they have 'no proof ' that I never applied for credit!! That is like their word against mine. They have me going in circles. The only credit pull that was authorized was in XXXX of this year for a secured XXXX XXXX credit card in an attempt to repair my credit. I am including all correspondences that I have made with these entities.
Experian continues to report a delinquency from XXXX XXXX XXXX although Ihave disputed this, it is more than six years old and Experian continues to penalize my credit score with this item
Hi, I am writing to you about my account. This credit card company is furnishing you wrong and incorrect information. They continue to update information trying to keep this account active so that it will continue to be on my credit report way past 7 years. At one point this account was deleted from my credit report XXXX in the past but reappeared back. I do not know how that happened but it did. According to FCRA, this is a violation. They seem to not report the same information to each credit bureaus. That alone is a violation of the FCRA. For an instant on my Equifax report, they are reporting that my account was charge off on XX/XX/XXXX. On my XXXX report you are reporting it was charge off XX/XX/XXXX, and on XXXX   report, you reported it was charge off on XX/XX/XXXX but recently it was XXXX. This is one of their tactics to keep this account active pass 7 years. This account must be deleted off my credit report because of wrong and inaccurate information according to the FCRA Act. Please delete this account off my credit report and never to reappear.
On or about XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX   working as an agent for XXXX XXXX XXXX, Offering to settle an account with XXXX XXXX XXXX XXXX, XXXX This account was settled and Dismissed on XX/XX/XXXX thru local court. I received a Notice Of Dismissal from court signed my local judge and attorney for XXXX XXXX XXXX XXXX, XXXX I answered the letter and enclosed a copy of the notice I assumed this would resolve the issue. I heard nothing until today when I received another collection notice even though I had sent them a copy of the Dismissal They stated they were willing to settle for 35 % of original amount. Once again I sent them a copy of the notice. This is not right and I am not happy about what I consider an attempt at fraud
I 've sent a letter to Williams & Fudge explaining that the debt they have reported I owe, I do not. I requested a validation of debt owed, and that information was not provided to me as requested. I also have asked previously through harassing phone calls attempting to collect this debt for validation, and nothing has been sent to me. I have yet to see acceptable proof that this debt is owed. By law, they are required to provide this information within 30 days, that was not done.
I am having a huge p roblem with Central Finance Control. I found anothe r account  this one b eing  XXXX  on my   XXXX   and  XXXX  report. The other account I previously filed about was different and on  XXXX   XXXX . I have sent them a cease and desist, called their office and requested FCRA  623  required to report any account to cra and prove verification of accuracy including complete paymet history and sisgned contract from original creditor. They have refused to provide it and denied me the requeste FDCPA letter of notification within 5 days of receiving. They also were abusive and rude on the phone and refused to provide the letter of assignement between the original creditor and their collection agency which too is my right to have to any account they claim belongs to me.   WHILE EATING DINNER WITH MY FAMILY last night at a restaurant I got a phone call from CFC after   XXXX   XXXX   and have phone record to PROVE IT, and the phone call  XXXX  from NEVADA and that is illegal as  CFC i s in CALIFORNIA So misrepresentation of their location and calling from somewhere they are NOT located. To beat it ALL the rep on the phone gave me my full social security number WITHOUT even verifying it was truly ME on the phone!! That is complete ignorance of collection tactics and LAWS for a collection agency!! When I questioned why in the world this rep would provide that kind of info over the phone I was ignored This is NOW A  HIPAA vi olation and warrants lawsuit for not only the original creditor but absolutely warrants lawsuit easily won against central finance control!!!!!   I have contacted the original creditor and notified them this agency is operating in totally disregard to credit reporting laws, violation of FDCPA and noncompliance to FCRA and FACTA.   This will be taken now to the Better Business Bureau and Attorn ey Generals Office of California. I will contact the California regulator for collection agencies and Bureau of collection offices and debt collection.
After reviewing my annual credit report I noticed a hard inquire that I never approved from Bank of America on XX/XX/2016. I attempted to reach creditor and was unable to.
I am a personal check account holder with T.C.F. National Bank. I was the victim of check fraud and forger y. Two checks, one for  {$2500.00} and another for {$5500.00}, were forged on my account. The bank doesnt dispute this. However in a letter of determination regarding the reimbursement of my {$8000.00} from their fraud and forgery department they determine that my " failiure to exercise ordinary care in safgeguarding your checks substantially contributed to the making of the forged signature. '' Dated   XX/XX/XXXX .  Signed by  XXXX   XXXX   XXXX  and Forgery Investigator, TCF National Bank. A little over a year ago, on   XX/XX/XXXX ,  I was arrersted on an outstanding traffic warrant in the parking lot of a hotel where I had planned on spending the evening. I was approache d by two officers who immediately put me into custody in the back of a police cruiser. I advised t hem I was in between residences and that my vehicles contents needed to be secured. I had just bought the used vehicle that day and I had temporary tags on it. After I was taken from the scene in police custody to jail someone stole my vehicle while I was in jail and took possession of my checks and other belongings and committed fraud against me and forged my signature on  two c hecks. A report was filed with the  XXXX  Police Department by my father after going to pick up said vehicle from hotel parking lot and determining it was gone. On or abo ut  XX/XX/XXXX  , still incarcerated, I ask my father via telephone to look at my checking account balance. He relays to me that a check for {$2500.00} had been cashed and that a check for {$5500.00} was pending! I have him put a stop payment on that immediately via telephone. I, through my father, advised the bank that the {$2500.00} and {$5500.00} checks were not authorized. I 'm charged {$35.00} stop payment fee and I was glad to pay it. But then inexplicably I 'm reimbursed the stop payment fee the next day,  XX/XX/XXXX  , because the bank went ahead and cashed the check anyway! A full day after I advised them that something nefarious was happening with my account. I worked with the bank as much as possible. Providing police reports on my arrest etc. Which, by the way, has nothing to do with me being the victim of a crime here. Now TCF National Bank is victimizing me.
My son, college student, working a part-time job, received his first paycheck in paper form XXXX XXXX, 2015. He had 30 min lunch to deposit money and grab lunch, he is also a XXXX. He tried the bank app to take a picture of the check for deposit, a confirmation email stated it was received and to wait for another email for for approval and processed, which he received. His account showed available {$200.00} out of the {$630.00}. He attempted to use his debit card, but it declined, he checked mobile banking and it stated that the check bounced and he was assessed the fees and now negative balance. He did n't have the time to wait in the busy bank lobby so he deposited the check in the atm. When he did that, US Bank froze his account and debit card, he spoke with customer service and they said that it would be fine after they check the atm to verify the paper check and fix his account it would take 48 hours. After waiting 3 days, he contacted customer service again because he was still locked out of his account, the representative stated that fraud had his account and they were working on it, if anything else the hold would auto release on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and we continue to get the run around from US Bank and his account is still locked and he still has no access to his funds. Good thing I gave him money. My son conference me with US bank on the phone around XXXX pst XXXX XXXX, 2015 to add me to his account so that I could contact the bank and fix this mess, I gave all of my vital information, address, phone, name, dob, ssn, driver license info, everything, I contacted the fraud department this morning XXXX XXXX to find that non of my information was added or even a record of the call that transpired. My son is walking to the train station on his way to work this morning, he called them again, the rep stated he has access to his account the check cleared back on XXXX XXXX? Ummm, still cant use the debit card or access his account 2 weeks later ... .This is poor customer service and extremely poor banking practices. my son has never broken the law, never been in trouble, does n't party or do drugs, this was, what we are learning now, a mistake but honest on his end, he needed to eat something the day this started because he is a XXXX and all of this could have been avoided if he was n't consistently being lied to. now the reps are telling him the branch he opened the account with is the only one that can unlock his account. I want to know who has my vital information if it was never added, this might be a cause of identity theft and fraud. My son needs assistance with his dealings with US Bank and I need assistance on laws regarding my identity, please help us. 

Thank you ....
A " Law Firm '' named XXXX has called me XXXX in XXXX minutes leaving multiple messages stating that I will be taken to court if i do not call them back today. The number was XXXX and the messages were left by XXXX XXXX. I called back, no mini miranda, no verification of who I was ... she alleged that I owe money to a company for a magazine subscription which is 100 % not true. She threatened that I am being taken to court and read me the last XXXX of my social security number. As a former collector, I know that if this is not a scam, which it totally is, this agency has violated the FDCPA.
On XXXX of this year I observed XXXX on my credit report as a inquiry. I notified Equifax and was instructed that the company ( XXXX ) would have to request to remove the inquiry. I contacted XXXX and on XXXX I received a letter ( attached ) requesting my name, address, last 4 digits of social security number, date of inquiry, and reason so Equifax can remove the inquiry. I also forwarded the letter in XXXX, via mail, and have not received and type of response back. I contacted Equifax 's dispute department and the representative stated I would have to request the inquiry to be removed from the company. I informed her I did and forward a copy of the letter too. This was done in error and just want Equifax to do the right thing.