WillisBack/dataset-financial-user-claim huggingface dataset:
This company has placed a stop on my vehicle registration for supposed tunnel fees that they should not have been accrued due to me having XXXX EZ pass accounts for over 8 years. I spoke to a manager by the name of XXXX XXXX who was rude and unwilling to even listen to me. He tried to tell me that they have charged me {$53.00} per transaction for {$1.00} tunnel fees that they admittedly never sent me an itemization of from 2013. They apparently received my information from the XXXX XXXX XXXX XXXX, which I have only used about XXXX times in the past going to see XXXX, as I am a XXXX. This is an absolute scam. The manager told me that he was unwilling to release my registration with the Virginia DMV unless I paid him {$450.00} for my car and another {$400.00} for my SUV that I no longer even own. The state needs to do something about these companies praying on people to collect fictitious fees. I asked him over and over to give me dates because I am disputing this being that I have an EZ pass account with XXXX EZ passes. This is ridiculous and futhermore, if this was from 3 years ago, why havent they made any contact with me and why are they just now placing a hold on my registration? I contacted them when I found out about the hold while trying to register my XXXX. My SUV was registered with no issue back in XXXX. This should be illegal and the state should put a stop to these predatory practices. I am attaching proof of my EZ passes.
it seems like no one is helping me - not even your organization! I 've been disputing this information for almost a year now and not even ONCE have I received information proving these accounts to be mine! I 'm a victim of ID theft - I even have the papers that cleared my name when I had someone using my name and information to open accounts and do other criminal activities The person is the one who opened these XXXX accounts - not me. Just as in XXXX v XXXX, if they had done a handwriting analysis, they would see that I am not the one who did this! Not only that, but with the XXXX account - how are they even verifying this information when both equifax and XXXX both have different balances and open dates?? XXXX removed this account because they knew it to be ID theft and NOT mine! I need for someone to find out why they are violating the FCRA and not removing this from my credit file! What 's wrong with these people????? 
See my letter that I have attached that I am sending with this complaint.
I have reach out to XXXX and transunion, on several occasions about XXXX XXXX  reporting on my credit and they not authorized to do so, university of XXXX is the original debtor, i received a call from the Vice President XXXX XXXX, of the original debt on XX/XX/2018 he told me he had great news that he advised XXXX to not report on my credit any more and to send my file back to the college and DO NOT CONTACT Me, are update my credit again, and XXXX and transunion was sent proof from the original debtor that they approved my appeal to remove this Tradelines from my creditor and instead they violating the M2 compliance law with out proof that this debt is valid to continue on reporting it on my file damaging my credit causing stress to me for no reason..
When i turned XXXX my father had to put me on the lease from the apartments he rented from which was XX/XX/XXXX At the time i didnt have a job so he was paying everything and he started to get depressed and did n't want to work so i moved with my grandma. Well he ended up getting evicted so there was about XXXX that he owed. I got a job XX/XX/XXXX and have been working at the same job til now so i got a letter saying i needed to attend court for the eviction and pay the amount due and i had no idea what was going on! After asking my dad he ended up going with me and they told him to pay XXXX a month and they wo n't garnish my checks. After two months he stopped paying so i started getting garnished! After a while the garnishments stopped and i figured i paid it off but one day i looked at my credit report and seen that the garnishment was still on there so i gave the collection agency a call and the man said i quit my job which is how the garnishment stopped i told him i been working here for 4 years and i didnt quit so he than asked if i had the money to pay the full amount and i said no but how much do i owe? And he stated the full amount and what i paid which is XXXX so left over was XXXX but he added 8 % interest so i owed XXXX and he said that well unfortunately there 's nothing we can do about the interest and I was like why not you 're the one that stopped garnishing me it 's not like I quit my job or refuse to pay you guys so I said i didnt know that i owed money and he said well we sent it to ur dad and i said well he didnt get it either and he said yu expect me to believe the guy who wont even help yu pay this collection? I was like yea i do cuz i been paying it up until yu guys did n't send the paperwork to my employer and he said it wasnt his job to send the paperwork to my employer and if he sent it to my dads house than that is my job to do! So i finally got a letter XX/XX/XXXX with more interest for XXXX which he added more interest to
These accounts are not my accounts they are FRAUDULENT Im not the XXXX  XXXX XXXX e.g XXXX XXXX, I dispute all of the accounts listed below as FRAUDULENT ACCOUNT XXXX/XXXX {$2200.00} # XXXX/JOINT ACCT, XXXX XXXX  XXXX XXXX {$1300.00} # XXXX, XXXX XXXX XXXX XXXX {$390.00} # XXXX AS FRAUDULENT ACCOUNTS and the Inquiries are disputed as FRAUDULENT Inquiries as FRAUD XXXX XXXX XXXX-XX/XX/XXXX &XX/XX/XXXX, XXXX  XXXX, XXXX XXXX, XXXX , XXXX  XXXX and the FEDERAL TAX LIEN # XXXX XX/XX/2017 {$31000.00} I DISPUTE ALL OF THE ABOVE ACCOUNTS AS FRAUDULENT.
I received s XXXX from a debt collector : Midland Funding LLC to appear on XXXX XXXX, XXXX for a deposition The XXXX regards a debt that is 10 years old and for which I have gone to court at least one time before 3 years ago. The XXXX states that I must " continue in witness from day to day unless.discharged by me ''. 
This debt is XXXX XXXX XXXX and has been placed on my credit report under several different company names on several occasions for the full 7 years requirement.
I had a verified phone number on my Coinbase account. I added 2FA ( two factor authentication ) using XXXX XXXX. Everything was working fine. 

Then, for security reasons, on XXXX XXXX, I removed my phone number from my account. I only wanted to use XXXX 2FA for security. 

Now, when I try to buy/sell, Coinbase requires me to add a phone number. When I do, I never receive the SMS code and thus can not verify my phone number and can not buy/sell. Customer Support is not responding. I am thusly unable to get access to my existing Litecoins to sell and can not buy any new cyptotokens.
XX/XX/XXXXAttention : RCS Inc. Error Resolution/Information Request/Customer RelationsLoan # XXXX : Short Sale Decline AppealDear Sir/Mam, I am formally requesting an appeal in reference to the decline of my Short Sale Application submitted on XXXX XXXX, XXXX. The documents requested by RCS were forwarded in their entirety within the deadlines provided to complete the file. We have a qualified verifiable all cash buyer prepared to proceed. On XXXX XXXX, XXXX RCS violated of the Department of Justice Settlement National Mortgage Servicing Settlements that prohibit lenders from dual tracking foreclosure ( see highlighted below ), by declining my loss mitigation application short sale without legitimate cause and furthermore not exhausting the appeal process before pursuing a foreclosure sale on XX/XX/XXXXCFPB Rules Restrict Dual TrackingThe CFPB, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XX/XX/XXXX, issued new mortgage servicing rules that went into effect as of XXXX XXXX, XXXX. Among other things, the rules restrict dual tracking. 
Under the new rules, a mortgage servicer can not initiate a foreclosure until you 're more than 120 days delinquent ( which provides a reasonable amount of time to submit a loan modification application ). Also, the servicer can not start the foreclosure process if a loss mitigation application is pending. 
If you submit a complete loss mitigation application to your mortgage servicer after the foreclosure has started, but more than 37 days before a foreclosure sale, the servicer must stop the foreclosure process until : the servicer informs you that you are not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout, but fail to comply with the terms of the deal ( such as not making payments during a trial modification ). Source : NolopressIn addition to this letter I have included the following documents for your reference:1. Signed Purchase Agreement Buyer/Seller2. Buyer Proof of Funds3. RCS Correspondence dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXXI have also forwarded this to the Consumer Finance Protection Board in the form of a formal complaint to the Consumer Protection Finance Board. 

Thank you, XXXX XXXX
This is a response to what is happening with my previous complaints about JG Wentworth. 
On XX/XX/XXXX after XXXX hr XXXX min on hold we finally got a JG Wentworth representative. We were told our Cap and Extend was denied and were pressured to do a regular loan modification. We told her we were in a Federal Disaster Area and were eligible for the Cap and Trade that they told us they would process in XXXX We asked for a manager. We were transferred to employee # XXXX and she also told us we were denied for the Cap and Extend, but eligible for a reg. mod. We told her no We were eligible for a cap and extend and were in a Federal Disaster Area. She told me that she had to tell us that. She then looked into my file and said that '' the system does not actually show a denial '' and called it XXXX XXXX going on here. Then, I also told her that there was a charge for an inspection on my bill, which XXXX XXXX was supposed to pay. She agreed and said it was not supposed to be there. She said she would take care of it. She took my regular payment for the month of XXXX ( confirmation # XXXX ) and that she was putting in our request for Cap and Extend again as a priority. A person from the refinance dept. was supposed to call me back in the next 24 hours. NO ONE HAS CONTACTED ME. They have sent me several online correspondence since XX/XX/XXXX that they are foreclosing on me, even though I made my XXXX payment like I was supposed to for the Cap and Extend. They are attempting to illegally steal my house and get my {$150000.00} in equity. This is overt FRAUD and misleading tactics. They are taking advantage of hundreds of thousands of people affected by natural disasters in FL, TX and CA by telling them they were denied for Cap and Extend even though they really did n't process it. In a regular loan modification, they can raise our interest rate and this is negatively affecting my credit score which was really high. They are not answering their calls or emails. The Federal Government needs to fine and prosecute XXXX XXXX.
I am receiving XXXX calls a day from Someone named XXXX XXXX. 
The number calling is XXXXThe calls happen up until XXXX XXXX. It happens 7 days a week. 
A message is never left. I have left word to leave a message or stopcalling. Have left multiple cease/desist requests to no avail. The levelof harassment in obscene. I have logged over 80 calls in a week. AndI have no idea what it is about. I only know it is Toyota from caller ID. 
Have notified them that the number is blocked -- does not stop them.
After sending a letter to XXXX XXXX and getting no response I filed a complaint with the CFPB requesting that the validate NOT verify a debt that they are attempting to collect from me and have yet to receive a response. After disputing the account with Equifax, I asked for validation from Equifax. I specifically asked for a signed agreement and other supporting documentation. They provided me with a letter stating the account was verified which does not prove that I am responsible for this debt. Neither the credit bureau, nor the collection agency provided me with proper legal validation of the account. They are reporting delinquent information on my credit report that I am asking to be deleted based off the following sections of the FDCPA : 15USC 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- And 15USC1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Bank of America,  N.A., Fraudulent collection and foreclosure practices on secured property. BANK OF AMERICA HA S NO LEGAL STANDING AS THE LOAN WAS WENT COUNTRY WIDE HOME LOANS and PAID OFF.     In a hasten attempt to remove liability, with letter dated  XXXX   XXXX ,    2017, B ank of America has purportedly transferred an allege account via Media, Wire or Federal Mail System to   XXXX   XXXX   XXXX   XXXX   to prevent liability.     In addition, hired a Third-Party Attorney ESQ, Without Standing / Interest and without first-hand knowledge named  XXXX   XXXX , "  XXXX   XXXX  now enjoined with Bank of America,  N.A.  at  XXXX  Email :  XXXX  XXXX  XXXX  on  XXXX   XXXX ,  2017    committed Trespass on Secured property under perfected interest and filing #  XXXX  and  XXXX , and  XXXX  associated with  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  WA  XXXX . In conjunction with no real presentment of the Original Note but in fact alleged copies of a Note.     A  Request is  now being made to meet to review said Original Documents f rom Country-Wide Home l oans that was not sold.     In pursuant to now possible Securities fraud etc. per information obtained from  XXXX   XXXX   ESQ.      DUE NOTICE IS HEREBY GIVEN, There is now a claim for COPYRIGHTS Infringement validations from  XXXX   XXXX  enjoined with  XXXX   XXXX  enjoined with Bank of America N.A. who has sent multiple letters based on this CFPB report. Each violation brings at a minimum  500.000.00  per incident/violation. All methods to protect Secured interest is now in effect due to "   Trespass '' pursuant to Uniform Commercial Code.
Request in person meeting here in Washington State   with Bank of America and its held liable agents with affidavit all documents that were allegedly not filed such as " any ''  1009 e tc. and first hand knowledge.     This is an attempt to resolve through clarity of appropriate documentation.
Good afternoon, My name is XXXX XXXX. 

On XXXX XXXX My ex husband walked into a Wells Fargo branch in XXXX Texas and withdrew {$26000.00} from a joint bank account that only had {$760.00}. This withdrawal was authorized by the bank Manager XXXX XXXX. The account now has an outstanding balance of {$25000.00}. I currently work in XXXX and have spent 3 weeks trying to find out how this was possible. Two days later, my personal and separate bank account was frozen by the same manager that authorized the withdrawal. My attempts to contact XXXX XXXX XXXX have failed as I am transferred multiple times and informed she is on vacation or not available to take my calls. The actions of this banker made it impossible for me to pay bills, put gas in my car and buy food. My attempts to contact other wells fargo branch executives have been met with multiple phone transfers ending right where I started. I have spent 3 weeks playing this cat and mouse game and what seemed like a ray of hope when I sat with a Branch manager in XXXX, teling me the bank was wrong in doing so and that they would follow up with the " resolution department '', later ended in a phone call that once again told me I was responsible for making payments to this balance. I recently received a letter from Wells Fargo Overdraft Deposit Collections and Recovery Department informing me that the money in my frozen account has been used to off set the outstanding balance. When I called the phone number provided I was informed there was a note from XXXX XXXX XXXX stating it was ok to go ahead and off set the balance. To date I am yet to receive a return phone call from the Bank manager, who continues to practice as a banker in the wake of ruining lives. I am out of options and as a result of these transactions I can not afford an attorney to take a major corporation to court.
I 'm complaining against transunion for their failure to correct my credit report when I have proven to them that they are reporting this public record inaccurately. I am including my letter to them as well as the credit report - page XXXX shows the public records section : RECORDER OF DEEDS XXXX I 'm including the proof that you have the wrong reference # on this account as well as the wrong filing date. I did not receive the requested documentation that proves that you have this account reporting correctly.
After an audit of historical certifications of GI Bill benefits I used at XXXX institutions, the VA determined that I was over-certified at all XXXX institutions, over several semesters. At all stages I committed to paying the debt, but only when the VA determined the entire amount owed. However, the VA began collections on portions of the debt before a total amount was certified. By the time they had stated a total amount owed, they attached fees and penalties to that amount, and had transferred portions to the Treasury Dept. and they in turn to private collections companies Conserve and XXXX. I attempted to set up a payment plan for the total original amount of the debt, but that was rebuffed. I later offered to pay the entire debt in full, minus the fees and penalties in a one-time payment, but that was also rebuffed. I contacted the Treasury to get an itemized statement of the debt and they did not respond. At several points during the transfers of the debt, I was on XXXX XXXX orders with the military, as I currently am, and I believe the SCRA applies. Inaccurate and misleading reports were made to credit agencies concerning this debt, and my credit has been negatively affected, some aspects of my military service have been affected.
I have a loan through Citibank which was originated in XXXX XXXX. I called in late XXXX XXXX and asked about the processing of removing PMI from the loan. I was advised to fill out a request, set up an appraisal appointment and pay the cost for said appraisal. Once that was completed, I called Citi and verified that the PMI was removed. I recieved a letter in the mail affirming this. In mid XXXX of XXXX, I recieved an updated Escrow statement showing PMI being added back to loan. I called Citi and they said they did not know what happened but they would fix it and a supervisor would call me back. That did not happen. On XXXX XXXX, XXXX I called Citi again and supervisor told me that the PMI should not have been removed since the loan was less than 2 years old and that they were planning to send me a letter to notify me. I asked why that was not explained to me during my call BEFORE I spent money and time on an appraisal and she told me that the associates at Citi can not see how long a loan has been open. They are now saying I have to wait until XXXX XXXX to try and remove the PMI again. I am at 73 % of LTV. I will also add that during my original loan application, I was not notified of this time constraint.
I am requesting the removal of these bankruptcies ( below ) on my Experian credit report due to their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly delete all information which can not be verified., Experian has violated the Fair Credit Reporting Act ( FCRA ). Furthermore, I disputed this inaccurate information in XX/XX/2018 and XX/XX/2018. Experian refuses to disclose who verified this inaccurate information. I also contacted the bankruptcy court via mail at and they stated they do not correspond with credit bureaus and never verified this information with Experian which documentation of said information by the Court is attached.
Had issue repaying PLS {$2500.00} due to having income reduction during a torn meniscus and being off work. They took payment of XXXX from account then, I told them cant make any more payments for a while till back to work. They forward account to collections after missed the next payment. I tried to repay loan in smaller increments I made 2 payments of {$200.00} and then had issues with a rental car company, taking more than allowed, my bank gave me a provisional credit, during that time it caused a missed payment NSF with the loan company PLS. Then when I got back to work there was a wage assignment sent to my employer, unknowingly to me. They said it was sent but to my old address, so I never saw the assignment notice. So, a trusted friend said I should revoke the wage assignment and continue making payments, the supervisor there in XXXX XXXX XXXX XXXX, a XXXX XXXX, said they stopped the wage assignment, but I needed to pay {$500.00} in 2 days, which I could n't do. Then after getting the run around on what was happening for several days, she informed my husband they had sent my account express to wage garnishment, the day I revoked the wage assignment, and that we did n't have the right to and could n't make payments on it anymore. This sounded really weird to me not to be able to make a payment on a account and just let it be garnished. I am not refusing payments toward the debt just looking for something reasonable. To try and make payments of {$500.00} monthly towards a debt that started at {$2500.00} and now is at {$2800.00} and we have paid {$900.00} towards it, WE COULD NOT afford that!! It would cause extreme hardship to our already tough situation.
On XX/XX/XXXX, I was approved for auto financing through XXXX XXXX XXXX. On XX/XX/XXXX,  a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX XXXX was the financing company. 

On or about XX/XX/XXXX, I was informed by XXXX  XXXX XXXX that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX XXXX and the contract was signed on XX/XX/XXXX. 
A complaint was also filed on XX/XX/XXXX with the Office of Consumer Credit commissioner. 

Please review attached
I applied for a XXXX position at XXXX in XXXX. In XX/XX/2016. A background check was done and was taking a long time. After a month I received a copy of the background check with very vauge information of a warrant for petty theft in XXXX. I immediately call GIS to dispute the accusations. I have NEVER been to XXXX. So I know for a fact my identity has been stolen. I asked a rep. XXXX was there anything I can or do to help in clearing my name and she tells me NO. I then get a call from a XXXX XXXX who called and left no msg. And she asked 'did i forget about the warrant '. I hope she was not trained to accuse people of a crime that they did n't do. She says she called the XXXX police dept. And I needed to be fingerprinted. And that she already contacted XXXX basically closing the dispute before I was able to get fingerprinted, so she can meet her 30 day time period of closing a dispute. So I lost a job because of false information.