WillisBack/dataset-financial-user-claim huggingface dataset:
Caliber Home Loans sent me the attached letter dated XX/XX/XXXX proving that they violated the FDCPA by sending out signed Notices of Trustee Sales and posting them on my property without any individual taking responsibility for trespassing on my property. It is clear evidence that a company called XXXX XXXX allegedly signed a CERIFICATE OF POSTING without a real human being signing it violating the FDCPA. Also, in their extensive letter Caliber fails to address how I had a balance of {$920.00} plus {$1100.00} and paid them {$4900.00} in taxes, as shown on my XXXX XXXX IRS Form if as they alleged in the Chapter XXXX BK I filed I did make the payments as agreed during XXXX? Also they violated Federal BK Laws by not applying my post petition payments correctly and charging my at least {$410.00} in late charges and other fees of {$350.00}. I would like an Accounting done on all regular payments made during my BK in XXXX asap.
On XXXX XXXX, 2016 an XXXX credit card from Chase was opened in my name.

I was able to close the account but Chase can not or will not provide details about the details of the application. I am concerned that I am being slammed by either Chase or XXXX opening account like the XXXX XXXX issue.
I was unaware of the notice originally sent regarding payment. When I received a call from Conserve to collect the debt, I was put on a payment plan. I payed 3 months of the {$140.00} payments and paid the remaining {$1100.00} the XXXX month. 

I am now working with a law firm to remove the negative mark on my credit report.
As it pertains to the  XXXX  's account on my profile, it contains many inaccuracy that TransUnion has not made a fair attempt to correct.  <P/> I have requested both verification and validation information to be forwarded to me and TransUnion has failed to provide this information.  <P/> Furthermore the CRA has violated several federal laws in regards to debt reporting acts in regards to this account on my profile.  <P/> Included you will find several correspondences in regards to this account and how the CRA has responded.  <P/>   One major fact to consider is 15 U.S.C. 1681s-2 and FCRA 623 ( a ) ( 3 ).
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If this creditor does not deleted from my profile, I will proceed to a small claims action against TransUnion 's reporting practices.
XXXX of my home equity line loans was sold to another company. This account is being listed as a derogatory account on my credit report when it should not be.
All highlighted inquiries are not mine, I previously disputed them with both the Credit Reporting Agencies and the Information Providers. These information unfairly remained on my report with the negative effect on my credit.
Allied Interstate called my number but did n't leave a message. I looked them up on the Internet and found out who they are. I have just completed a line of credit and a new car loan and my credit scores are excellent. No one has submitted my name for collection. I put them on block on my phone because they were calling four times a day. It will ring once and then hang up on them. They have been calling for weeksXXXX four calls a day. This is harassment as I am on the Do Not Call Registry. Their claim to others who have been similarly harassed is that the person they are looking for must call them and ask to have the person being harassed 's name be removed from their calling list.
I applied for the AMEX EveryDay Credit Card on XX/XX/2018 via the AMEX website. AMEX approved my application instantly ( within seconds/minutes ). AMEX granted a credit limit of approximately {$24000.00}, with a balance transfer limit of {$5000.00}. My complaint pertains to the {$5000.00} balance transfer limit. The card offer terms did not clearly disclose or list any specific limitations on the balance transfer limit. I applied for this card to take advantage of the 0 percent APR on balance transfers and {$0.00} balance transfer fee. I would not have applied for the AMEX card had I know about the 20 percent balance transfer limit. However, AMEX disclosed the eligible balance transfer amount after I submitted my application. 

The offer disclosure makes reference to " eligible balance transfer amount '' and explains that this amount will be based on your credit worthiness and other factors including your history with AMEX. However, the disclosure also says, " .... you may not request a balance transfer amount less than {$100.00} .... and the total balance transfer request must not exceed your credit limit. '' A reasonable person would not interpret that to mean your eligible balance transfer amount may be as low as 20 percent of your credit limit. 

I believe this omission satisfies the three UDAAP prongs : ( 1 ) The act or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation is reasonable under the circumstances ; ( 3 ) The misleading act or practice is material.
Whenever I try to access my XXXX credit reports. In trying to verify who I am, they asked questions like what company is my mortgage with or myself mortgage amount. Or they will ask about my car loan company. I do n't have a mortgage or a car loan in my name so I think someone has secured loans in my name without my knowledge. I have no idea how to confirm or rectify this information. I called XXXX and they send me to every department they have without me being able to even notify the correct authority about my issue.
Northstar Location Services , LLC has resurrected a XXXX year old collection account that was written off by XXXX 9 years ago. It was also disputed with XXXX two years ago with CFPB ( Case # XXXX ). XXXX XXXX XXXX and XXXX XXXX XXXX wrote this debt off and deleted it from my credit report. This debt/account ( see attached document ) is over 9 years old. I have not had any communication from XXXX XXXX since filing bankruptcy in XXXX 2007 and XXXX XXXX. XXXX. since they informed me that they were writing it off and deleting it from my credit reports. I have not and do plan on reopening a closed old account with NorthStar collections. I have not contacted them. I have only received these letters and occasional phone calls which I do not answer.
I currently work at a XXXX XXXX than the one I bank at. I have decided to change everything over to this new account and change everything out. I thought I had everything coming out of my new account, but three of the people pulled it out of the old account. I did n't want to close out the old account incase something were to come through I wanted to make sure things were taken care of. Only XX/17 a withdrawl of XXXX came out from the XXXX XXXX that was not suppose to. I figured I would take care of that and the overdraft asap. When I checked the account I was noticed a few fees on the account. When I called the XXXX, OH branch of PNC I was told that they charge XXXX dollars for one day, XXXX for two and XXXX for 3 up to 14 days. He informed me that I was almost at the 14 days when this took place. This has resulted in XXXX dollars worth of fees. I was told that they would see when they could do so that I could close out the account, but that I would just have to check the account. I have since has 2 more things come through, both of which were suppose to come out of my new account that has given me yet another overdraft fee. I am okay to pay the things that have come out and take care of what I need to, but it is my understanding that it is against CFPB regulations to charge an already overdrawn customer fees per day for being overdrawn. I would relly like to get this taken care of.
I have no knowledge of the debt. Requested original copy of bill and was emailed a generated copy that any one can make up on a computer. asked to for them to send an original copy with my signature on it. and they could not provided what I asked for.   XXXX   is in violation of HIPPA privacy.
My mortgage company has held/stolen {$89000.00} from me since 2013 and has failed to ever report this lump sum which was an overpayment of what was my principal balance. I am due a refund on the overpayment, I have tried numerous times to resolve this and they continue to lie and get away with it. My credit has suffered and I have experienced emotional distress. Four years is too long. Their attorneys have my money listed as a suspense amount, and even with that error-they at least have a better account of my not owing the fraudulent amount M & T Bank continues to report. I do n't owe them a dime, they owe me money and have gotten away with many violations of Dodd Frank/RESPA Acts including : pyramiding late fees, force placed insurance costs on vacant land that requires non, escrow mismanagement, misapplied payments and it goes on ...
XXXX is claiming that I owe them a balance of {$490.00} from services that I had in XXXX XXXX before a move to XXXX XXXX. My services were transferred to my new address, not stopped, thus any remaining balance was transferred and service would not have been continued with such a large payment owed. I was contacted by a collection agency about this supposed debt and reached out to XXXX informed me that the amount was an error because the move had not been documented properly. Still, my report was not fixed. I have filed several disputes regarding this amount in collections and it has not been resolved. I have spoken to XXXX on at least ten different occasions and have been promised the amount would be removed from Collections. It never has been. They have claimed to open investigations and given me claim numbers only for me to be told when following up on the issue, that the claim numbers were not valid. I have screenshots of chats with XXXX representatives assuring me that my debt will be removed.
i disputed fradulent inquries and accounts and they were not investigated properly and not removed from credit file
Want to check report and I tried to answer security questions but I 've never had a home loan been needing loan and now I owe money for a home loan credit cards I 've never opened. Please help I start college in a month and need a loan laptop but now I guess I want ever get to accomplish my dreams as a XXXX.
XXXX XXXX continues to report inaccurate information on my credit report with XXXX, XXXX and Transunion without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.
The State of California passed legislation that requires every bank who does business in the State to submit every customer 's social security number into an Automated Data Matching System, see sections 17450 - 17456 of the State of California Family Code. The XXXXXXXX XXXX and the Navy Federal Credit Union have submitted my social security numbers into the State of California 's Automatic Data Matching System without first notifying me to opt out, or to dispute, or to challenge these actions in Court. These actions by Navy Federal Credit Union and XXXXXXXX XXXX violate the Gramm-Leach-Bliley Act, Dodd-Frank Act and the Right to Financial Privacy Act. I am entitled by law to be notified first before my non-public information is submitted to any third party. Since late 2013 over {$3000.00} was frozen then taken out of my joint savings account with my son and joint checking account with my wife and in both instances, this was not my money they took. Please enforce the laws that we had Congress pass to protect us from the very activities these banks are doing.
Equifax did not adequately protect my critically personal information and did not have security measures in place to prevent a privacy breach. My social security number and other identifying information that can be used to steal my identity has been released to public domain.
i have a deliquent tax lien that was paid in full. I have contacted the State and they say they did not report it and ca n't withdraw it. The credit reporting agencies have been notified of it being paid and that the state said they need to withdraw it. I am stuck because this is impacting my credit and ability to get good loans.
In XXXX XXXX, I had XXXX work completed at XXXX XXXX. I agreed to a payment plan before my procedure and paid all money owed. In XXXX XXXX, I received a bill with no explanation of services telling me I owed money. I contacted the company asking why. I was informed they miscalculated the money I owed for the procedure and I needed to pay it back. They also charged my account for medical procedure my husband had done. I asked them to remove my husbands debt as I am not liable. My XXXX XXXX XXXX and I needed a new procedure to fix this mistake on their part. This was XXXX XXXX. I was told this procedure was free due to it being an error on the XXXX part. I was told I was not liable for any money owed. They still charged me regardless, and informed me I had to pay my husbands debt. I am not liable for this money owed since I have no explanation of services, and the 2 nd procedure was not my liability. Im also not liable for medical bills for someone else. I have not been contacted by any debt collectors or received bills to my house ; however, a collections is now on my credit report. I would like fornthis to be removed.
Ocwen Loan Servicing. Where do I begin? I have been harassed by Ocwen from the duration of when they began servicing my loan. Actually I would say they are a dis-service, not a service. Recently they have started harassing me about my payment. I have made my payment on the XXXX of the month for over 5 years. I have NEVER missed a payment, yet I continue to get harassed by Ocwen. Additionally I have never been 30 days late on my payment. This even as they could not determine what my actual payment was/is as they continue to mess my loan payment up. XX/XX/XXXX I received a letter from them every week with a new payment amount. They could not get my escrow amount correct or figure out if my rate was increasing and to what amount. Yes I am on an ARM. I spent long hours on the phone trying to find a resolution with Ocwen.This loan was my first mortgage loan I got back XX/XX/XXXX. The property secured by the loan is now an investment property. Unlike many others I have been fortunate and been able to maintain this property and not let it go into foreclosure during the credit crisis. I am in the mortgage business so I understand how everything works. I have been a mortgage professional dating back to XX/XX/XXXX and like many others endured several hard times. I am currently a VP at another Mortgage Company. I would tell anyone that listens that Ocwen Loan Servicing is one of the most unprofessional companies I have ever dealt with. Do whatever you can to ensure your loan is NOT serviced by them, but their service is more of a dis-service.
Due to loss of job and divorce I got behind on payments. I realized that I could n't catch up so I listed the house for sale with  XXXX   XXXX  as a short sale in  XXXX   2016 . They got an offer shortly thereafter which was over the listing price. They contacted the servicer and tried to initiate the short sale but have never received a call back for the loss mitigation department fro m Carrington Mortgage Service. They have tried to contact the executive office and no one will assist with pu tting them in contact with anyone in corporate. I filed bankruptcy once to stop the foreclosure but the realtor is still not able to get in touch with anyone from the lender.
I received a bill in the mail from Jefferson Capital Systems , LLC Collections on X/XX/17 to try and settle for a debt that was originally owned by XXXX XXXX XXXX ( original creditor ) that was reporting negatively on my credit reports with XXXX, XXXX, and XXXX. XXXX XXXX XXXX took this negatvie collection reporting off of my credit just recently. I have disputed this with XXXX XXXX XXXX before. I am a victim of identity theft and I do not recognize this alleged debt of {$460.00}, # : XXXX I am disputing the validity of this debt that Jefferson Capital now has and that I am a victim of identity theft. This alleged debt does not belong to me.
Please help me ; these are just some of the debt collectors whom I do not owe money to are calling ; They demand your social security number or name and address before speaking to you then say they can not divulge any of their info or who they are ; Please keep them from calling my phone ; I have been registered since 2000 and re-registered over and over and I still get these calls ; The following numbers are ; ... 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 ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX
I was charged {$50.00} overdraft fee for an {$8.00} recurring subscription. I spoke to Chase Bank as so as I found out about it and they refused to reverse the fee.
My XXXX Credit report states that I have a debt collection that was paid for by my insurance that I had when I was working. I had a XXXX in XX/XX/XXXX. My insurance paid these claims, and I became homeless in XXXX XXXX until XXXX XXXX. I could no longer pay rent and lost my home. I no longer have the paperwork that provides the proof that this debt was paid, because I was living out of my car. I no longer have any vehicle, I am XXXX and I have no way of providing the proof.
I filed for Chapter XXXX bankruptcy onXX/XX/XXXX Included in the bankruptcy on, Official Form 106 E/F, were three student loan amounts held and/or managed by Dept EdXXXX  : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Opened XXXX - Last Active XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Opened XXXX - Last ActiveXX/XX/XXXX {$330.00}XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OpenedXX/XX/XXXX Last Active XXXX Total of XXXX loans {$11000.00} The above were included on the Matrix of Creditors in aformentioned Bankruptcy filing submitted to the court on XX/XX/XXXX 

XXXX According to Official Form 309A ( For Individuals or Joint Debtors ) Notice of Chapter XXXX Bankruptcy Case No Proof of Claim Deadline : " Creditors who assert that the debtors are not entitled to a discharge of any debts or who want to have a particular debt excepted from discharge may be required to file a complaint in the bankruptcy clerk 's office within the deadlines '' Dates : Meeting of creditors -XX/XX/XXXX at XXXX XXXX - No representative from XXXXDept of Ed. attended the meeting Presumption of Abuse - Deadline to object to discharge or to challenge whether debts are dischargeable : Filing deadline XX/XX/XXXXDeadline to object to exemptions : Filing deadline : 30 days after the conclusion of the meeting of creditors Deadline to object to intended abandonment : Filing deadline : 75 days after the conclusion of the meeting of creditors *** According to the " Certificate of Notice '' Form ID : 309A - Notice by first class mail was sent to XXXX by the Bankruptcy Noticing Center on XX/XX/XXXX. 

A discharge was granted by a United States Bankruptcy XXXX XXXX XXXX/DeptEd  reported to all three reporting agencies that the balance on the three Nelnet/DeptEd  loans was {$0.00}, they were discharged in Chapter XXXX Bankruptcy, and " Closed - Derogatory ''. 

The reports reflected this status for multiple months. During the same months, no statements for any loan are available. I inquired about the statements when I discovered the three student loans had reappeared with a balance on my credit report. 



+++ I have had discussions with XXXX, The Dept. of Ed, and the three credit bureaus. XXXX has given me the runaround and says to check my statements. There were, however, no statements for the months that the loans showed up as Closed {$0.00}. I requested from XXXX that they provide all statements for the year of XXXX. 

The request was denied through an email that literally said " ... your request has been denied ... 

I was unable to get any explanation as to why they would n't send the statements. 
The same as above is true for XXXX as well. 

One of the other credit reporting agencies, Experian I believe, did follow up on their investigation and stated the erroneous information had been removed and my report changed to reflect Closed {$0.00} for the most expensive loan. 

I 've tried several times to communicate with all involved parties and have gotten nowhere I have additional information if needed Thank you XXXX
I have a mortgage loan with Greentree ( XXXX ). They sent me a letter last year and again this year in regards to cancelling the PMI. The letter says it can be cancelled after the mortgage reaches 75 % of appraised value and further states that appraised value is what was origannlly valued at. 
They say in a letter last year that they want me to pay for an appraisal first. This does not make any sense.
There is a bi-weekly deduction taken from my XXXX as I work for the XXXX XXXX XXXX ( XXXX ). I did not create this account which is over ( 16 ) years old now. It is deemed as being a " Savings Account ''. The bank to which my money is going is clear with all details available to me. The problem is that no one at the bank will talk to me stating " my name is not on the account ''. Well, you can see my dilemma. I 'm working with the XXXX XXXX XXXX XXXX ( XXXX ) and other organizations to remedy this matter. I have a trail of accurate, damning information for those responsible if anyone will take the steps to hold them accountable. I do n't bank with the institution that 's been taking money from my account for over ( 16 ) years. I use another bank to deal with all of my banking needs. Please advise, XXXX XXXX XXXX Email : XXXXXXXXXXXX
I was contacted by XXXX XXXX, National Credit Adjusters on XX/XX/XXXX via phone call from # XXXX claiming I owe {$290.00} for a payday loan to Payday One from XX/XX/XXXX. I receive several calls daily from them on my ph # XXXX & XXXX. Sometimes 5 or 6 x 's a day. Now I know that the FDCPA clearly states that I have 30 days to dispute once I receive 1st demand letter and also any collector CAN NOT contact me until that demand letter is received and I am given time to dispute. I have never received a 1ST demand letter, only a a lot of ph calls. That is clearly a violation of the FDCPA!