WillisBack/dataset-financial-user-claim huggingface dataset:
Hameroff Law Firm, in XXXX, Arizona sued me for a debt less than XXXX dollars for collection. Before the lawsuit, they would call me at all hours of the day, leaving horrible messages and the few times I spoke to them, they left me in a state of panic. I explained the current circumstances at the time and how I could pay but they would not accept it, they wanted all the money at one time and immediately. Communication with them was absolutely terrifying and I was afraid to even answer the phone. 

Hameroff sued me, I went to the courthouse but it would cost me additional money to answer, money I did not have. I left messages to the company but they did not return my calls. 

I began working with XXXX to help restructure my debt and even they had a difficult time establishing any kind of worthwhile communication. Hammeroff, treated them the same way they were treating me. 

Eventually, they got a judgment against me and garnished my wages for close to {$300.00} dollars every two weeks - that is the equivalent of half my paycheck. 

The debt could have been paid in one payment, but rather, they penalized me with close to {$1200.00} in fees for a debt that was less than {$300.00} dollars. 

Hameroff Law Firm, made it impossible for me to reply in court, make arrangements for payment or work with me - rather it was abusive phone calls, threats and harassment. 

Thank you.
I received your letter in response to the Equifax dispute I initiated on  XXXX / XXXX /  XXXX  .   Included, I have enclosed copies of the letter you sent me. ( see attached ) The purpose of this letter is to advise you that an improper investigation was conducted by your agency.   Equifax failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Sectio n 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.    Furthermore, you have failed to provide the method of verification as required under Secti on 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of  the FCRA  you are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consume r reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under secti on 605 or  can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request validation of the debt including the following :  HIPAA Release form in its entirety allowing this third party to have complete access to me medical file sign ed and dated by me Copies of all information regarding the above-referenced debt, including detailed statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/activity signatures ) and documents relating to any assignment of such account to and/or from any third parties.   Please label all quantitative entries, such as, dates, payments, credits, finance charges, penalty fees, collection commissions, and attorney fees.   Also, please provide me with a complete description of your clients identity, including its full name, address, state and local lice nse ( s ) and state and federal tax numbers.    Last but not least, you need to provide an original consumer contract with my " wet-ink '' signature on it.   Copies of copies are not a form o f Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified , invalid accounts must be removed. If you are unable to provide me with a copy of the validated proof that you have on file, within  30  calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.   If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I 'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. I look forward to an expedient resolution of this matter.
PROFESSIONAL MED ADJ BUR is trying to collect {$430.00} & {$260.00} from when I was pregnant and had XXXX. I have given them my XXXX card # and told them that I have medical assistance then.
I just completed a chapter  XXXX  bankruptcy that included the    XXXX   XXXX      home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX   XXXX   home loans should now read closed. zero balance.
In XX/XX/XXXXI called the number on my CD documents to determine the amount still in the CD. The last transaction was in XX/XX/XXXX. I was transferred many many times and could not get an answer. Eventually I was informed by phone that the records could not be located. I called the local consumer news advocate who also spoke with US Bank. Then, in XX/XX/XXXX I received a written letter that there was no information regarding my CD, it must have closed. My CD has not closed, I purchased three CD 's at the same time int he same amount. I used 2 fully and withdrew {$1100.00} from this CD in XX/XX/XXXX, afterwards, it kept renewing, as it had been. Now, I can not get any information about the CD.
On XXXX XXXX 2016 I had XXXX bitcoins which was worth about 3000 US dollar back then transfer to my wallet in Coinbase the transfer was successfully processed but the coin never showed up in my Coinbase wallet it seemed before the money go to my wallet they transfer it to 2 diffrents wallet that I had no clue I contact them they asked to send everything that I had I sent them but no one can really give me a real answer all they told my account is at level 10 right now no real answer I have all the screen shots to support my claim it is very scary I had the money send to that wallet so I can invest it but Coinbase try to steal my coin
I submitted a complaint. The credit bureau said they verified the information but have yet to provide me with the verification. Once again the information that is showing on my credit report is incorrect. It appears that the company knows the credit bureaus are not verifying the information as they are supposed to so they just change the information around because the credit card do not properly verify. I have asked for whatever they are using to verify but was told they do n't have anything  XXXX   XXXX   has removed this because they were n't able to verify any information. There is a copy of  my 1st co mplaint listed below.               whom i t may con cern, I mailed several letters of dispute las t one b eing certified on  XXXX   XXXX   XXXX  in regards how   XXXX   XXXX   is reported on my credit report. Once again within a few days it comes back as verified.  XXXX  is reportinb me to be anywhere fro m 30 to 90 s ays late and being over  100,000 b ehind. They only purchased my mortgage in  XXXX  from another servicer. In  XXXX  I obtained a government modification which at that time my acct was at a  XXXX  past due and my new payment became  XXXX  a month. It does not add up. I am given the run around when it  comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that  any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of  XXXX  ( a ) (  4 ). Under section 611 ( 5 ) ( A   ) of the FCRA states the CBA is required to promptly DELETE all information which can not be verified.
XXXX pulled a credit inquiry on me and I did n't apply for credit. I called and spoke with a representative and they said someone used my name and last XXXX of my S.S. number with a different address to try to obtain credit, They said the credit would therefore be denied and the credit inquiry would be removed from my credit report. It has never been removed and that was XX/XX/XXXX. The credit reporting agency told me to call XXXX and I did as they said but they did n't remove the inquiry as their representative said they would. This credit inquiry occurred on XX/XX/XXXX so they have had plenty of time to remove it. It is now reported on all XXXX credit bureaus and this is very upsetting. I do n't know what else to do at this point. Please help!!
Tried to do loan modification and Ocwen sends back last payments so it wo n't become valid. Both Ocwen and their attorney never returns phone calls so I could find out why checks were returned. Was told by XXXX XXXX XXXX to file a Chapter XXXX bankruptcy, followed all directions to stop sale and that failed. Per commissioner and judge, it was supposed to be filed in Federal Bankruptcy Court to be valid but THEIR clerk at the window at the district court said that was it. She hand wrote the number on the top of the page and said to make sure we sent it to the proper people and we sent it to XXXX XXXX XXXX and they sent it to Ocwen. The amounts of the balance of that mortgage do n't even seem right. We went to court on XXXX XXXX,2017 to fight the sale with the bankruptcy and the Judge said that the bankruptcy was n't in time and filed properly so the commission of sale was granted. We asked him how long we had to keep fighting g this and he said 60 days but no one wants to help us because of the way it 's noted on the credit report a d how far the foreclosure is but we have been trying to fight everything since we were made aware and still got no help!
I am a long standing customer with Capital One. I contacted them and ONLY upon agreement to have them delete the charge-off from my report, that I paid the balance offered by them. In addition, I was also given additional credit in an amount higher than my balance after I paid the Charge-off that was already written off and tax credit granted. I would not have agreed to pay off any balance, knowing that they already received their tax credit, nor accepted another line of credit, if the agreement to remove the negative reporting off my report was not put in place first.
On XX/XX/2018 I started the process to dispute unverified information on my credit report as reported by the three major Credit Reporting Agencies ( CRA ) or bureaus, XXXX, Experian and XXXX. As of XX/XX/2018 and through 4 rounds of letters sent by certified return receipt, the items I disputed still remain on my credit file as unverified. Experian was the one CRA that would not respond to my 4th letter, stating they had previously processed my dispute and information was verified. I would like to submit this complaint on them for your investigation.
I have to first compliment cfpb for helping me in resolving issues with the credit reporting agency 's. I am submitting this complaint today because I had an update on XXXX XXXX today X/XX/17 and my score went down even more. Now it 's at XXXX but XXXX is at XXXX. I ca n't get online to view my transunion report and every time I call they send me over to answering machine to leave a message. I do n't no why my score keeps going down with transunion. I have sent proof that XXXX accounts DO NOT belong on my transunion credit report. The first one is XXXX XXXX XXXX and the other one is XXXX XXXX XXXX XXXX. It seems every time I put in a complaint my score keeps going down. XXXX is NOT doing a proper investigation or they would have received the same response that XXXX received to DELETE these XXXX accounts off of my credit report. It is unbelievable that I ca n't get a copy of my report nor view it online. I also keep receiving letter from them that they need more time. I understand an investigation can take up to 30-45 days and if they do not respond the information being disputed is removed off the report. I have been disputing this wrong information for over 4 months now and they keep sending letters they need more time. This is wrong and I do n't no what is going on but transunion is affecting my credit score and credit worthiness in obtaining credit. If the company 's did not respond it is automatically removed off the report. They have had substantial time about 4 months to correct this. It 's well over the 45 days allowed. I do n't no what is on my credit report to have my score so low. There is also another account that do n't belong on there that account is XXXX. I have send and uploaded proof that XXXX has confirmed and deleted all XXXX of these accounts off my report. I also received a letter about a month ago from transunion that in so many words ... ..do n't care what XXXX or XXXX  is reporting. What kind of response is that? I fully expect these XXXX accounts to be deleted off my report. If a proper investigation was done this problem would have been fixed months ago. Ready to sue transunion at this point.
XX/XX/XXXX I purchased a used XXXX XXXX XXXX. This was my FIRST time financing a car or buying from a dealer. There was no Buyers Guide in the window or on the car when I got to my appointment to test drive. I purchased an extended warranty through XXXX XXXX XXXX. Because the dealership was closing I came back XXXX XXXX to sign the papers. XXXX XXXX in the finance department told me that the original loan I was approved for the night before would work because when running my credit XXXX XXXX approved me based on my FICA score & the company then checked my transunion and equifax scores that morning & they would n't loan me the money anymore, so I had to go through NAFCO for high risk loan which increased my interest rate and monthly payment. XXXX told me " the nice thing about this loan is you can split your payment into 2 payments, so its not such a huge chunk ''. NAFCO said " No you cant. The dealership should n't have told me that. The terms of the loan was not up to them '' On XX/XX/XXXX I contacted XXXX XXXX XXXX to see if something was covered. I asked the rep. if I could return the warranty due to I thought it covered more things and had not used it. I felt it was a waste of money. The rep said " yes, I needed go down to the dealer that you bought from & they could process it '' In the first week of XX/XX/XXXX I spoke with XXXX telling him I wanted to cancel and get refunded to my loan. He looked my file up and says " Your warranty was cancelled already '' & had me sign the papers no copy was given to me. XXXX counted the weeks and said " it takes about 4-6 weeks to process through XX/XX/XXXX if its not showing on your loan call me '' I tried several times to reach XXXX by phone & not one time did he return my calls. XX/XX/XXXX I had an oil change done by XXXX XXXX XXXX saw XXXX telling him the refund was not showing on my loan. XXXX responded " I was waiting on you to give me the mileage so I could process it. '' I expressed that I had not been aware he needed the mileage due to when I signed papers in XX/XX/XXXX my car was available for him to check the mileage. XXXX said " yea I do. I will send that off and it should show in 2 weeks. '' XX/XX/XXXX I called XXXX, he wasnt in and did not get back to me. XX/XX/XXXX I called XXXX XXXX XXXX and was informed that my warranty was showing ACTIVE. I called XXXX again and he was not in. I drove to the dealership and spoke with XXXX explaining what has gone on & he was able to help me. I was informed that the amount of $ refunded to my loan was less then I paid due to {$50.00} cancel fee and the warranty had " depreciation factor '' losing the value monthly and by mileage. I asked XXXX if $ came out of XXXX commissions he got for the sale of the car? He said " yes '' XXXX lied to me and I believe purposely did not file the papers so he wouldnt have so much come out of his pocket
On  XX/XX/XXXX , I purchases a   XXXX   XXXX   XXXX   through  XXXX , the lender was Ally Financial.  Within three years, the car began stalling while driving. I complained to the dealer many times and they could not find out what was wrong with the car. I returned the car to the dealer in  XX/XX/XXXX  because it was unsafe. I then purchased another vehicle at a high interest rate due to the return of the   XXXX   XXXX  . The   XXXX   XXXX   was sold and the balance is now on my credit report. Due to the lender's failure to comply with Florida law, they are unable to seek a deficiency against me. They are damaging my credit report, credit score and I am unable to purchase a home. They need to remove the negative report from my credit report because they didn't follow Florida law. I notified them of this issue via certified mail and still have not received a response. Attached is the letter that was sent to them.
I have sent a validation letter to   XXXX   XXXX   XXXX   and   XXXX   XXXX   and neither company has responded within 30 days. The letter that I sent to both agencies goes as follows : To whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. (  15 USC 1692g Sec. 809 ( b ) ) I do hereby request  that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.     Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.     Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.     I did not receive anything from neither collection agency.   XXXX   keeps stating : " Account information disputed by consumer, meets FCRA requirements ''. This statement is untrue and these  XXXX  accounts need to removed immediately for they was never validated so clearly they are not verified.
debating onI received a phone call from a company calling themselves global collections services with a return number of XXXX threatening me to take me to court on a payday loan of {$350.00} made in XX/XX/XXXX that I did n't pay back. I never made a payday loan on the month in question. When debating on what to do it just so happened my mail carrier had a package for me to sign for he asked me what I was up too I explained to him that I received this phone call stating I owed {$350.00} for a payday loan that I never made and that I was being threatened to be taken to court. He informed me he also got a call similar and that he was going to call them back after work today ( XX/XX/XXXX ) after checking out this company and complaints I called the FBI and they told my to call the FTC and I was connected to the CFPB to report fraud activity and whoever they are they seem to be targeting the XXXX area in XXXX Michigan. How can I stop these activities and is there any legal actions that I can take? I am a XXXX year old man and calls like this made me very nervous and upset. I can only imagine what it could do to other senior citizens who are n't as alert to scams like these. I read of the complaints that were publicized that many senior citizens were threatened to lose there homes. bank accounts etc. And lost thousands of dollars due to scams such as this!
I ( XXXX XXXX ) received a call from American express on XX/XX/XXXX on a overdue balance {$1300.00}. I verified that my 2 credit cards are paid and I have a zero balance on those. When I called back the customer service, they told me that there is a 3rd card linked to my account and asked me to contact theft prevention team. When I called Amex theft prevention/protection team, they said no attempt of ID theft visible on my account. Also, they clearly told me that they do n't see any 3rd card to my name. I had a frustrating day to make them ( different department of Amex ) to come to a common point. After multiple calls to different departments, they agreed that there is a 3rd card linked to my account. That too when I asked what is the name on that dispute card. They said it was XXXX XXXX. I remember that used to get some junk mails in my mailbox with that name and I assume she was staying in the address several years back ( I know previous person stayed here before me for few years ). Amex said there is a mistake on their side and its a rarest problem and never happened before. They said it will take a week or so to resolve and asked to call back to verify as they cant inform me about it. And moreover, when I asked for a tracking number, they said there is no tracking number for this. Every time I call them, I had to explain the whole story few days. that 's another pain I had. I found one professional helpful staff named XXXX from fraud prevention team found a kind of a solution to keep a note on my account with his name and asked me to use his name to tell to the customer care or debt collector to refer to read it. That saved few frustrated minutes of mine in later days. After few days, shockingly my cards are suspended for charging. When I called, its again the same case, sounds like no interaction between teams. And next humiliation started. Everyday, I get calls from Amex asking me to settle the amount which I do n't owe. I had to explain everytime to them what happened and they say they will take care on their side. But, its never ending story till today. couple of times, the caller went ahead and asking my permission ( by mentioning the ending number of the account ) to take money from my checking account I used to pay this card ( I did n't have any auto payment though ). I was in XXXX XXXX and fear of loosing my hard earned money. When I called today ( XX/XX/XXXX ), customer care person said, the disputed account was delinked on XXXX XXXX. and she do n't have answer when I asked why they are calling to collect the money what I do n't owe. Also, when I asked why my cards are still suspended, she said she cant do anything but I need to call some other department. I asked for a compensation for all the humiliation and metal trauma till date, she put on hold for few minutes and offered me {$25.00} courtesy. I told her that I am not going to agree to that and will complain to CFPB. While I am typing this, suspensions on my cards are removed ( again no intimation to me ). Please help to get me a financial compensation equal to all humiliation and metal trauma I went through. Thanks.