WillisBack/dataset-financial-user-claim huggingface dataset:
Attached below is a letter I received from a debt collector. Please see where it says Note 2. They have threatened to seize my bank account and I know for a fact that is illegal in Texas. I consider this a direct violation of the Texas Fair Debt Collections Act. Please see the excerpt from that Act : Harassment and Fraud are Prohibited State law prohibits the use of harassment and abusive collection tactics. It is illegal for any debt collector to : threaten XXXX or other criminal acts ; use profane or obscene language ; falsely accuse the consumer of fraud or other crimes ; threaten arrest of the consumer, or repossession or other seizure of property without proper court proceedings ; use the telephone to harass debtors by calling anonymously or making repeated or continuous calls ; make collect telephone calls without disclosing the true name of the caller before the charges are accepted. 
The use of fraudulent or deceptive practices is also prohibited, including : using a false name or identification ; misrepresenting the amount of the debt or its judicial status ; sending documents to a debtor that falsely appear to be from a court or other official agency ; failing to identify who holds the debt ; misrepresenting the nature of the services rendered by the collection agency or the collector ; falsely representing that the collector has information or something of value in order to discover information about the consumer. 
Your home and wages : Some collectors will threaten to take your home or wages to pay for a debt. In Texas, if your residence has been declared a homestead, it can not be taken to pay a debt except for debts taken for the purchase of the home ( ie, a mortgage in default ), for home improvements, for home equity loans or to pay certain taxes. Wages may be garnished only to pay debts related to court-ordered child support, back taxes, and defaulted student loans. Debt collectors can not garnish wages for repayment of consumer debt. 

You can read about declaring your home as your homestead, for which you will receive certain tax exemptions as well as protection against debt collectors here : XXXX ( tax exemption FAQs ).
I received a settlement account from Wells Fargo. I called back in less than an hour to make the payment. The payment was for the stated amount. She read a disclosure prior to processing the payment. The amount in the first disclosure was processed. She then stated she needed to read the second disclosure. The second disclosure had a different amount. She said she was not sure why. She took 15 minutes to find out why and stated that she was unsure why and maybe because it was a principal. The escalations agent that I was sent to was horribly rude! He stated BOTH made a mistake.
In XXXX, my wife purchased XXXX vehicles with Ford, as part of our process to move to the US. I did n't apply with her because at the moment of the purchase, we were not married and I did n't have a social security card. one of these cars was bought with a loan from Ford Credit. In XXXX XXXX, once married and once I had accumulated enough credit history, we contacted Ford Credit in order to add me to the car loan. We applied and we provided all the information that Ford Credit required. After some conversations with their customer service department, we were required to provide a notarized copy of my social security card, which we did. Two weeks later, we got a letter ( attached ) stating that my request had been denied, but without clarifying the real reason for their decision. I had to contact them again, and they stated that they could n't provide this data over the phone, and that they could send us a letter with these reasons. We received this letter ( also attached ) 3 weeks later, stating that the application had been denied because they were " Unable to Verify the Validity of the Social Security Number ''. This letter did n't have any other information, except the customer service phone number. After reaching to them again ( for the 4th or 5th time ), they tell me that there is nothing that they can do, and that my only option is to send a formal letter disputing this decision. 
I find it extremely ridiculous that Ford Credit continuously wastes our time, diverting us with letters and making us call the same number again and again to receive different information each time and never providing a real answer, but diverting us and making us wait till we receive another useless letter, which will lead to another time wasting call.
Discover PL has put and account into collections several times for the same account. At one point, Discover PL file d a suit in a court that was more than  XXXX  miles from my home. I had no way to attend, had I known ( I was never contacted or served ). The judge ended up dismissing the  suit. Discover PL continu es to report this account, even though a judge has dismissed. Perhaps they have filed a suit again, I do not know as I have not been contacted, just like before. But no w Discover PL is   reporting to  XXXX  as a delinquent account and as a new open collections account at the same time.  XXXX  allows it because it 's fro m Discover PL.
I am currently in the process trying to secure a mortgage for a new house. When my lender went to process my file I showed up as having a foreclosure in the last 3 years ( XX/XX/XXXX ) ... This is where my complaint starts, and it is in regards to my previous mortgage situation ( Countrywide mortgage I believe acquired by Bank of America ) that I secured in XX/XX/XXXX. Starting in XX/XX/XXXX, CountryWide initiated the foreclosure process ( See Attachment # 1 ). In XX/XX/XXXX, I vacated the property and started the process for Chapter XXXX  bankruptcy. The bankruptcy included the property ( See Attachment # 2 ) and final judgment was issued XX/XX/XXXX ( see attachment # 3 ). Then in XX/XX/XXXX the foreclosure case initiated by Countrywide was dismissed because they failed show up to a hearing according to court records ( See Attachment # 4 ). I believe the mortgage* was acquired by Bank of America through their acquisition of Countrywide Mortgage . In XX/XX/XXXX, Bank of America initiated the foreclosure ( See Attachment # 5 ), final judgment issued XX/XX/XXXX ( See Attachment # 6 ) and sold the property to XXXX XXXX as of XX/XX/XXXX ( See Attachment # 7 ). This means that the property wasn't foreclosed on for roughly 9 years. I did some research ( I understand not official ), but there were articles referencing in the state of Florida companies have years to file foreclosure and then in XX/XX/XXXX I believe there were a few appeal cases that allowed lenders not to go by the 5 years ( I don't know too much about this ). I believe the lenders have an obligation to foreclose on the properties in a timely fashion. This is something that is almost a decade old and it is preventing me from purchasing a new at this time even I followed the correct process back in XX/XX/XXXX. This foreclosure is showing up in the HUD CAIVRS report as a foreclosure in the last 3 years. It is not fair the lender did not timely foreclose on this property. I believe this potentially could be an unethical and unfair practice by the lender. It took them 9 years from when the initial foreclosure started in XX/XX/XXXX. I did my part and they did not do theirs. This should have foreclosed back in XX/XX/XXXX, but they failed to show up to their own hearing. Thank you for taking the time to review this and their practices. I hope this can get resolved as I am currently under contract for a house with a closed of XX/XX/XXXX. Have a great day.
Today is Saturday, XXXX XXXX 2017. I 've been trying to pay my mortgage on mrcooper.com for approximately 10 days. I have n't been able to login to my account on their website for this entire time. I have asked the company to reset my password 4 or 5 times and have been successful in changing it most of the time. On their website, after choosing a new password, you are then directed to a page to login with the new password. This is n't working. I know that I am typing the passwords that I have just chosen yet the website still says my password is incorrect. I have sent emails to the only email address I can find on their website which is designated for reporting accessibility problems due to XXXX or XXXX Mr. Cooper has sent me a very nice email telling me that I have sent an email to the wrong department and that I should call the company instead. No one is answering my phone calls. I realize that it is the XXXX season. People want to be off work. Should n't there be a message on their phone system saying that they are closed for the holidays? This company recently purchased my mortgage but I was able to make my payment online last month. This is incredibly frustrating and I want to get this resolved before the end of the year. I apologize for ranting.
XXXX has incorrect hard inquiries on my Equifax credit report. They are showing inquiries from XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my Equifax report. The inquiry date is XX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.
hello, I was charged an overdraft fee in the amount of {$35.00} for a {$1.00} check I wrote to NJ-EZ pass check # XXXX on XXXX/XXXX/15! I had an ending balance of about $ XXXX {$110.00} in the account, and there was a check I wrote for {$600.00} which was mistakenly deposited a day before it should have been, so that caused the account to overdraw by about {$490.00} or so. Well Fargo will say the checks are presented as they come in at the end of the day, and they will lie and say the check for the XXXX dollars came first causing the account to overdraw! 
they do their calculations at the end of business each day, and items are pending allowing you to make a deposit, so I clearly do not know how they can say they pay the items in the order they come in. 
They do this all the item seeking to charge as much as they can in overdraft fees,. 
While I am greatful they honor my checks ( they should, I have been banking with them for over 8 years, and they have been getting tremendous amount of fees from me in the last year or two ). When I am in the wrong, I do not argue with them for the fees to be returned, but in several cases, such as this, I will. 
Again, {$35.00} for a {$1.00} check???? that is criminal!! 
Why are things like this allowed to happen over and over??? 
why are these banks not presented with stricter regulations on such things as this? 
I am not letting them get away with this XXXX, and need your help. 
I am not rich, support my XXXX mother, and pay over {$300.00} a week XXXX to come to my home, which makes money very tight for me. 
I am sick of this, and want something done about the criminality of Wells Fargo for thinking they can do such things! 
Thank you for your help, pls go after them to the fullest extent
Dear CFPB, In a previous complaint to you XXXX XXXX about Nationstar mortgage ( see attachment ) I respond to their requirements and submitted all the documents needed on XXXX XXXX. XXXX XXXX ( point of contact, See attachments ) acknowledge that the documents received and she sent it to the loan modification department. But today XXXX/XXXX/2016, I spoke to nation star employee XXXX - XXXX and he said NO DOCUMENTS WAS RECEIVED. A TRUSTEE SALE DATE POSTED ON MY FRONT DOOR FOR XXXX/XXXX/2016 WHILE I AM IN AN ACTIVE LOAN MODIFICATION. This is not right or fair, this is wrong, please kindly help me resolve this matter. My point of contact XXXX XXXX or the loan modification department has not me since I have submitted my loan documents XXXX/XXXX/2016. On XXXX/XXXX/2016 a trustee sale date was posted on my front door. Please Please help me.
In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXXthat Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...
I got contacted by XXXX initially on XX/XX/XXXX. They said they would work on XXXX pages of existing website, do much XXXX, get sales, source codes, key words, get ranking and search engine optimization ( SEO ) all that for a fee and {$50.00} per month. The representative was very persuasive and said I needed their services in order to my online business be successful and make money. I ended up paying a total of {$5000.00} on my BOA credit card. I am disputing my charges because I was told I have 538 days. The charges were done between XX/XX/XXXX and XX/XX/XXXX. I would like to dispute all charges made by XXXX. This company took advantage of me and did not fulfill with their promises. I tried to contact them and resolve with them but never got a response. I would like Bank of America to investigate this merchant.
XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXXr Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank
An authorized signer on my checking account had their debit card number and PIN number stolen. On XX/XX/XXXX we noticed four unauthorized cash withdrawals from our checking account, even though we have possession of the debit card. The transactions are listed here : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY for {$200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY for {$41.00} XX/XX/XXXX XXXX Citibank ATM XXXX XXXX XXXX XXXX, NY for {$60.00} XX/XX/XXXX XXXX Citibank ATM XXXX XXXX XXXX XXXX, NY for {$80.00} On XX/XX/XXXX I confirmed with my authorized signer that these transactions were not authorized and I called Citibank to report all four transactions as fraud. They told me they needed to create an inquiry for all four transactions and they would need at least 10 business days to notify me of a decision on the inquiry. I waited 10 business days and on XX/XX/XXXX I called to inquire about the status of the inquiry. The representative informed me that they needed more time to make a decision about the transactions made on the XXXX and that the transactions made on the XXXX were removed from the inquiry by another representative with a note saying that it was some sort of mistake. I was then forced to create another inquiry on XX/XX/XXXX about the two transactions that occurred on the XXXX and asked to wait another 10 business days for a response. 

I tried explaining in my follow up call that these transactions could not have been performed by my authorized signer because they have never been to the locations in the disputed transactions. I also stated that on XX/XX/XXXX my authorized signer had possession of the debit card and that they had made a purchase at XXXX in XXXX, NY on XXXX XXXX at XXXX AM for {$10.00}, and exactly 22 minutes later the first unauthorized transaction occurred in XXXX, NY. This alone was proof of fraud. 

My authorized signer followed up again on XX/XX/XXXX about both inquiries and we were informed that the first claim was denied because their card and PIN number was used at the locations. Again my signer tried explaining that the card must have been copied because we currently have possession of the debit card. They offered my signer a chance to appeal and to provide more documentation but no money was refunded. They also informed my signer that I had already made a second inquiry for the other transactions and that they needed to wait a few more days for a response on those transactions. 

Also, during my original call on XX/XX/XXXX an unauthorized cash withdrawal was made for {$80.00} at XXXX XXXX at a Citibank ATM on XXXX XXXX XXXX XXXX, NY. The Citibank fraud department contacted my authorized signer about this transaction only and they confirmed with her that she didn't make the transaction and this single transaction was refunded. They then expedited her a new debit card.
Case number : XXXX Related Case Number : XXXX I received the following : Response not disputed XXXX XXXX XXXX, XXXX said : Explanation of closure Reinvestigation not conclusive ; we are removing the complainant 's name from the account and deleting him from our reporting. We will confirm this to him by letter. 



Response We are in receipt of the affidavit. Since we have had no response to our request for reinvestigation at our client, we are assuming the second account in question is an unadjusted duplicate and closing it. We removing the complainant 's name from the other account and ordering his name deleted from all national consumer reporting agencies to which we furnish data. 

Since the resolution the entries were removed from my credit, but have since been re-listed with XXXX.
I have been out of college for well over 5 years and despite consistent and high monthly payments, my principal balance continues to increase and increase. When I question customer reps at Navient on how I can better my situation, i.e lower interest, or consolidate, or make correct payments to make a dent in loans, I never receive accurate responses. This then has months go by where my principal just grows and grows despite my successful payment history. I ca n't get answers from them and I just want to get on with making these payments so that I can be successful in paying them off.
Filed an erroneous collection tradeline # XXXX to my credit report for original creditor XXXX XXXX XXXX. I have never held an account with XXXX XXXX XXXX and have never had any association with the service address in XXXX XXXX, FL, for which the collection was filed.
XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for a credit card with XXXX XXXX without his consent. That application resulted in an inquiry being made into his credit. An official dispute of that application was submitted to XXXX XX/XX/XXXX and received by XXXX XX/XX/XXXX ( certified mail, return receipt ). As of this date XX/XX/XXXX, XXXX has not replied with the outcome of the results of a re-investigation as they are obligated to do under the FCRA.
This debt was in collections. I paid it off in full for the amount of {$120.00} on XXXX XXXX, 2014. It still appears on my XXXX credit report as " in collections '' as if I never paid it off. It should state " balance paid in full '' or be removed from my credit completely.
I pay a monthly fee to Equifax for credit monitoring services which are suppose to be unlimited monthly reports however im Unable to get my report and my creditor are unable as well ... Im still charged the monthly fee and have called the credit bureau twice a month for the past 6 months at which time they will say something needs to be updated but never resolve my problem completely .... in addition they have failed to complete previous complaints filed on them thur your service ... I have sever credit accounts for which no payment information has been updated since XX/XX/XXXX and several new accounts that fail to appear on my report although the creditor provided proof Equifax was notified of updates.
I have a collection on my Equifax credit report that is inaccurate. I have disputed the charge several times through Equifax with no luck of having it removed. This same charge was found to be incorrect by a XXXX dispute investigation and it was removed from that credit report. I want it removed from my Equifax report as well.
On XXXX XXXX 2017 underwriters at Michigan Mutual and an underwriter at XXXX XXXX  interpreted guideline B3-6.06 of the XXXX XXXX selling Guide, under the heading " Property Settlement Buyout '' to imply that the buyout must be " court ordered ''. 

Because it would be illegal for any government agency to order an American to buy something, by definition, a settlement buyout can not be court ordered. 

I have tried many times to speak with someone with authority at XXXX XXXX but apparently the public does not have the right to do so. I have only been able to speak with representatives at XXXX XXXX that tell me they have no authority, and they insist there is no way that i would be allowed to speak with anyone who does.
In XX/XX/XXXX I received a Notice Of Serving Transfer from my bank XXXX XXXX XXXX. My mortgage was being transferred to Fifth Third Bank. This transfer was to be in effect by XX/XX/XXXX. As of XX/XX/XXXX I have not received any correspondence from Fifth Third Bank about my mortgage. My payment is always due on the XXXX of every month, so I've sent my monthly payment to the original mortgage holder, XXXX XXXX XXXX. They will determine if the payment will be returned to me or forwarded to Firth Third Bank. Fifth Third Bank is in violation by not contacting me with any notice about the transfer before the XX/XX/XXXX Transfer date. Fifth Third is claiming today XX/XX/XXXX that they just got the Transfer Notice from XXXX XXXX XXXX XX/XX/XXXX and are in the process of sending out a Welcome Package. They also claim that they are not responsible for sending out a notice before the transfer occurs.
Equifax takes more than a week PAST the date that XXXX  and XXXX  updates their trade lines on consumers credit reports. XXXX and XXXX are timely and update their tradelines on the same day each month that the creditor updates the balances. However, EQUIFAX is now more than WEEK behind and is reflecting outdated balance on my credit report, and they trying to blame the creditor even though the other 2 creditors have the correct information. The representatives I spoke to are totally incompetent, and the online for to submit a dispute is BROKEN! This credit bureau should be closed down!! Terrible!