WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX  ,2017 I was  offered a settlement to pay off a collection in the amount  XXXX  and they would remove this from collection and report it as paid in full. It 's now  XXXX   XXXX  ,2017 so  I contacted the credit bureaus and I was told that the company was still reporting it as a collection. I spoke with  XXXX   XXXX  extension #  XXXX  where she blatantly lied to me telling me they have reported to the bureaus on several time s  XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX  of 2017 as  being paid in full.Once speaking to the bureaus I was told this was incorrect and they are still reporting as unpaid. I called back to speak with the company and was told that since I agreed to a settlement that it 's never gon na say paid after they offered me the settlement stating that it would be updated as paid in full. They are giving out false information and once I called back with these allegations they were very rude and unprofessional
I have been sued for a debt that I do not owe, and that I have repeatedly told XXXX, plaintiff in the law suit, that I do not owe this debt. They have also reported this debt on my credit report.
I paid for a watch with 2 day shipping so I could get it in time for XXXX. After the merchant took my money, they sent me a tracking number that showed that they sent it regular service, instead of 2 day, which ended up taking over 2 weeks. As soon as I found out I contacted the merchant and told them I paid for 2 day, and to cancel my order. They told me they could not cancel it since they shipped it, and I told them I do not need it if I can't get it before XXXX. 

I contacted discover immediately and they initially gave my money back, and the item was never delivered to me because I left a note to the shipper to send it back. 

A month later discover charged me back for the watch stating that even though they did not send it 2 day like I paid for, that was out of their control, so now I do not have the watch or my money. The merchant got their watch back and discover took my money. 

Horrible business ethics and even more horrible customer service.
On XX/XX/XXXX I submitted a complaint about my XXXX mom 's bluebird account. I received a letter on XX/XX/XXXX from the company requesting documents from me, I faxed the documents to them on XX/XX/XXXX. I then spoke with them on the same day. They told me they were going to process the check which would take 5 days and send the check out which would take 10 days. I am concerned that I have not received it yet. I spoke with a representative of the company today, and he said he can not give me any information on whether the check was sent out, I have to sit and wait here forever. It is not their money to keep. I do n't know why they wo n't talk to me, as they can not speak to my mother as she is XXXX. my CFPB Ref. No. is : XXXX Ref : XXXX
I moved out from my apt less than 90 days from being released from XXXX XXXX. I informed this of sent my military information and they wo n't stop. I was informed that I qualified in class action suit against the IQData v XXXX but was in the hospital so was n't included in the suit. 

The lawsuit charges that IQ Data International violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in harassing behavior ; by using false, deceptive, and/or misleading representations or means in connection with debt collection ; by misrepresenting the character, amount, and legal status of a debt ; by ...
I received an alert from my credit report saying a new account had been added. I checked my account and a company named convergent placed an account for collections in the amount of {$71.00} on my credit report. Not knowing this company I sent them a debt validation letter via certified mail on XX/XX/2018. The letter had been received and signed for. In response I was sent a bill. I sent a second letter again via certified mail requesting validation of this debt on XX/XX/2018. This letter had also been received and signed for. As of today I have not received and information from Convergent to validate this debt and it is still on my credit report.
My issues all started on XX/XX/XXXX. My ex-husband and I used to share this particular checking account, and he still had his homeowners and car insurance set up to direct deposit from what is now, only my account. The amount was for {$1000.00}, from XXXX, and immediately overdrew my account. I am a XXXX parent whom has two jobs and a VERY tight budget, and this caused a snowball effect for me financially. 

To me, this is a VERY large sum, and I was at this point overdrawn and in the negative around {$800.00}. I am shocked that my account " allowed '' such a massive overdraft, especially without any contact prior to the debit. In addition, it allowed the overdrafts prompted by other auto-scheduled debits to continue -- -again, without any contact or personal notification! 

On this day, XXXX ) I had other bills previously scheduled to be withdrawn from my account, and was charged 3, {$34.00} fees for a total of {$100.00}. I received NO notification from Chase until the next day that my account was overdrawn by such a large sum. Unfortunately the notification was sent to me via email, and I didn't check it for several days. I am shocked that I never received any type of phone call either. My ex-husband was unaware of the withdrawal, and when I notified him, it took him another week to get me the complete amount to cover his initial withdrawal. 

I contacted Chase asking for help with refunding some of the fees, letting them know that the fees would just create a cycle for me that I would not be able to get out from under. They denied me, with no specific reason why and the cycle continued. 
I got charged on XX/XX/XXXX, {$68.00}, XX/XX/XXXX {$34.00}, XX/XX/XXXX {$34.00}, XX/XX/XXXX {$68.00}, XX/XX/XXXX {$34.00}, XX/XX/XXXX {$34.00}, and XX/XX/XXXX {$34.00} as a result of not being able to catch up. The fees totaled {$400.00}. 
I resent an email stating how another company that I bank with, XXXX XXXX only charges up to 3 overdraft fees a month at MAX and they still denied my claim.
some time on or about 2016 American express review my account base on the fact that the score had drop. this is American we do not base customer on a score factor. we as American base people paid performer. so American express drop my credit to XXXX unit I could proven that I could pay my bill on time. so to day we got our income tax retune for our income tax to be payXXXX so my husband just pay it. on a card with a credit line and not think I just used my credit line up and it going drop my score aboutXXXX point so my husband ask me to contact American express and request XXXX increase not think that the score would be low. but I knew that American have my liquid asset on file and my personal finance statement in my file base on a score from XXXX last year. I have never missed any payment any late payment on any of my account. and that we just went through this last year after a score review by American express and we has to fax over our finance record the ref :XXXX USD the agent that was process the request never look at record on file
This is a Claim of continuous XXXX violations pursuant to FDCPA 15 U.S. Code 1692e - False or misleading representations, XXXX Unfair Practices, violations of XXXX Georgia statute of limitation and XXXX Section XXXX fraudulently naming a fictitious secured creditor to facilitate a unlawful non-judicial foreclosure : These violations require urgent attention by the CFPB Administrative Tribunal in that the continuous nature of the deceptive acts are in defiance of state and federal laws and regulations and is causing severe harm to us. 

1. I incorporate by reference Complaint # XXXX as if stated verbatim herein, and ask this Administrative Tribunal to take Judicial Notice of the evidentiary Exhibits cited in paragraph XXXX of the referenced complaint. Whereas, SPS Inc. in its response to the Complaint cited above failed to deny, dispute or even mention the Exhibits proffered as proof that the account was charged-off and closed by XXXX on or before XXXX XXXX, XXXX, long before it was sold to SPS Inc. in XXXX. See XXXX ( charge-off ) then see XXXX ( account closed ), then see XXXX ( date relevant to when account was sold ). 

2. SPS Inc. filed an electronic response with this agency on XXXX XXXX, XXXX, and also response to me by way of U. S. mail on XXXX XXXX, XXXX. The response included XXXX ( + - ) pages of loan account documents that are void by operation of law, thus irrelevant, immaterial and unenforceable, and can not be the bases for a non-judicial foreclosure. 

3. the documents SPS Inc. sent in response to case # XXXX are void because the account was charged-off and closed by XXXX on or before XXXX XXXX, XXXX, as evidenced by the exhibits cited in paragraph XXXX of Compliant # XXXX. 

4. SPS Inc. written response sent to me by way U.S. mail on XXXX XXXX, XXXX is meant to, and does exclude the CFPB from examining the Notice of Sale Under Power. Select Portfolio Servicing Inc. and XXXX XXXX, XXXX are using void, documents and instruments yet again, to make the representation and implication that seizure, attachment, or sale of our property in a non-judicial foreclosure sale is imminent unless a loan modification or short sale is agree too by us - although no security interest in our property exist. The unlawful foreclosure sale is scheduled for XXXX XXXX, XXXX. See EXHIBIT-L, SPS Inc. ( sales under power notice ). 

5. In case # XXXX I made a demand to SPS Inc. to cease and desist which was ignored, as well as the allegations made in the complaint. None of the questions raised was addressed ( not answer ), and SPS Inc. and XXXX XXXX XXXX. has, as of XXXX XXXX, XXXX failed to cancel the pending unlawful non-judicial foreclosure sale and send notice that the sale schedule for XXXX XXXX, XXXX is canceled. 

6. I am Requesting the CFPB Administrative tribunal to issue a order enjoin Select Portfolio Servicing Inc., hereafter ( SPS Inc. ) and XXXX XXXX XXXX from any further foreclosure action since the account has been charged-off, closed and now time barred.
Credco did a hard pull without my consent. I have been working with 2 companies for debt consolidation and receiving many calls. I never spoke with anyone from XXXX but they are affiliated with a company I did get a hard pull from and declined an offer. After declining the offer 6 hours layer XXXX, a subsidiary did a hard pull. I had not gone through the full process with XXXX or XXXX ... idk, A micro lender I have a debt with and am trying to consolodate. I never signed the final stages, just doing preliminaries. I found a much better offer. I am closing. I did chat with another lender, assured we were browsing. My credit WAS GREAT, now feeling retaliation.
We asked the bank for net proceeds requirement. They told us an offer of {$25000.00} with net proceeds of $ XXXX. We received an offer of XXXX. They reviewed and at the last minute before the foreclosure postponed. They waited 3 weeks and then they countered back at a previous amount of XXXX reducing commission to 3 % split between XXXX agents. The national standard for a short sale is 6 % total commission. This has been going on for 2 1/2 years. They keep changing their requirements as soon as we have an offer that meets their demands. They are force placing a foreclosure on an XXXX servicemember and his veteran ex spouse.
I receive recorded computer calls twice per day, every day. I know about the debt and have called them to please back off. This is harassment plain & simple.
{$410.00} is the amount that the collection agency with the business name of ERC is currently trying to collect from me. I do not agree with that amount, for XXXX wrongfully biilled my family for early termination of mobile phone contract fee of {$200.00}, which we refused to pay, and now the amount is {$400.00}. When i called ERC they failed to disclose where the other {$210.00} in debt originated from. I think it is necessary to get the documentation showing that they are the appointed collection agency that is collecting on behalf of XXXX, and to disclose documentiation to me that shows what attributes to the {$410.00} in debt, for what I understand is that only {$200.00} should have been billed for the early termination fee of contract, and not {$410.00}. 

Can you contact the collection agency and explain to them that they need to show. 
1. proof of having the right to practice as a collection agency in california , i would like to see this 2. proof of the debt that they now are collecting from XXXX, a document stating the amount that I owe and what i am being billed for Without these documents I refuse to pay any money to ERC. 
Please let them know if they do not show proof, they need to delete the debt from my credit report. 

Thank you. 

COLLECTION AGENCY NAME AND ADDRESS ERC XXXX FL | XXXX XXXX
I wrote into all three credit reporting agencies asking them to have the companies Wells Fargo XXXX on XXXX XXXX XXXX and XXXX XXXX XXXX on all three ) validate my debt and send me copies of all documents with my signatures validating this account. This was not done. XXXX XXXX  has also reaged my account which by law isnt allowed. These items need to be deleted if validation can not be given.
I received a notice of garnishment of wages from Gurstel Law Firm. There is no information regarding the alleged amount, nothing stating they are a debt collector or that it was an attempt to collect a debt. The documents presented appear to be a court matter in the state of Minnesota but when I looked into it, there is no case in XXXX  County or any other court in Minnesota. I have asked them twice to validate the debt and disclose the alleged amount owed. I do not even know what the alleged debt is for. I have written to them twice ( XX/XX/XXXX andXX/XX/XXXX) requesting the debt be validated and the amount be disclosed and they still have not done that.
They have violated the FDCPA in the following ways : 1. Provide proof of the alleged debt, including all original contracts, agreements, promissory notes, amounts due, amounts paid, interest, fees, charges or incidental expenses allowed within the original contract, or in what state that debt is owed ; 2. Provide the amount allegedly due on the alleged debt, along with an itemized statement of the original amount owed, paid, interest, fees, charges or incidental expenses allowed within the original contract which created the alleged debt or that is permitted by law ; 3. Provide proof that there is in fact a judgment against me in any state in the continental United States of America ; 4. Provide proof that there is in fact a judgment or that a case has been docketed in XXXX County or any other county in the State of Minnesota ; 5. Provide original documentation of the alleged debt, including original signed contracts, agreements, promissory notes and the like ; 6. Their correspondence failed to state that they are a collection agency licensed by the Minnesota Department of Commerce [ MN Statute 332.37 ( 21 ) ] ; and 7. Provide sufficient, clear language in your letter regarding this alleged debt, the suit, the garnishment process and the amount allegedly owed.
Their offices have falsely represented to me that the documents they provided to me are a legal process or have a legal case docketed in XXXX County in the State of Minnesota.
Their company simply wrote a second letter which I received Friday, XXXX XXXX 2017 stating they would like my attorney 's name and contact information and I had ten days to respond.
I had told them I spoke with my attorney i did not say I retained his help in this matter in my correspondences.
They still did not validate the debt, provide any information about the debt, disclose they are a debt collector or the alleged amount I supposedly owe them.
XXXX XXXX XXXX , XXXX repeatedly call me on my cell phone, which is my work phone. When I say Hello, hello, no one is there!!! I repeatedly asked them to Validate this debt, which mentions XXXX and as I see from my credit report is quite old, but they keep sending me a letter saying they are requesting the appropriate documents. The last time they called, I took a photo of the call on my cell number. XXXX removed their entry from my credit report but XXXX is not willing to do so.
XXXX XXXX XXXX XXXX XXXX contacted me in XX/XX/XXXX in regards to a delinquent debt. I spoke with representative XXXX XXXX. He informed me that I owed a debt from XXXX XXXX XXXX, to which I responded that I was pretty sure I had already settled that debt, and emailed him a copy of the Paid in Full letter. I used the phonetic alphabet to confirm the spelling of the email address the account representative gave to me. When I spoke with him after I emailed the letter to him, he informed me that there was a second debt, for my XXXX XXXX XXXX. At this point, I worked out a one-time payment, which I paid between 2 accounts on XX/XX/XXXX, for a total of {$1400.00}. I never received a paid in full letter from XXXX XXXX XXXX. It was not until my military pay began being garnished in XX/XX/XXXX that I discovered that XXXX XXXX XXXX did not own the XXXX XXXX XXXX debt, and was not legally allowed to collect on it. After a month of trying to contact XXXX XXXX XXXX directly, I filed a complaint through CFPB. XXXX XXXX XXXX responding by stating that they never mentioned a second account, and would send me the paid in full letter for the account I supposedly settled with them. I still have yet to receive the paid in full letter, and have again been unsuccessful at trying to contact this agency to settle matters on my own. I am providing proof of sending the original paid in full letter to the XXXX XXXX XXXX representative for the original debt, the paid in full letter, and the bank statements showing my payment to XXXX XXXX XXXX. I still maintain that the account representative mentioned a second account ( the XXXX account ) once I told him that I had the paid in full letter for the XXXX XXXX XXXX account, and that they defrauded me by collecting on a debt they did not own.
Between XXXX/XXXX/XXXX and XXXX XXXX, I had several conversations with AES reps. On at least XXXX occasions, I was told by the reps not to worry if I went over 30 days late on my payments, since they were n't reporting until 60 days late. 

I am requesting the voice recordings for the period mentioned above be reviewed by a consumer advocate to confirm what I 'm saying is truthful, and I am motioning the removal of the 30 day late payment adverse credit reporting of XXXX XXXX be removed from my credit report. 

AES needs to take accountability for their statements to their clients. 

I had another similar experience with another lender, and CFPB had their consumer advocate review the lenders recording confirming my statements to have been true, thus reversing the negative credit reporting. 

As an XXXX, I have the public stake their lives on my integrity and the quality of my work. My co-signer is my brother, who is a XXXX, who puts his life in harms way to save others. 

All I 'm asking is for the basic decency and integrity from the lender, as to stand behind what their reps tell their borrowers, and take responsibility when they make a mistake.
In XXXX, XXXX charged an amount of XXXX with XXXX.  This collection company placed the account on my credit reports.  The account was disputed and removed XXXX.  Approximately XXXX, XXXX place the account with XXXX.  XXXX placed the account on my credit report again with a XXXX origination date and with an amount that differed by $1.  I informed Equifax that they already removed this disputed item and now it has been placed again.  They concluded the dispute and stated that it should remain.
Yes have complained about this numerous times. My home mortgage payment is supposed to be taken out of my USAA checking account XX/XX/XXXX of every month. It is XXXX XXXX XXXX 2017 and my mortgage payment has still not been withdrawn by XXXX nor USAA Federal Savings Bank. I just talked to USAA CEO 's Office, I believe lady 's name was XXXX as she did not have her headset on correctly and refused to adjust it so I could hear her clearly. When or is any Federal Action going to be taken to resolve this as it is unacceptable by all means for a mortgage payment of over 1200-US dollars a month?
The credit bureaus Experian and XXXX  have failed to remove items that have been disputed as being past the 7 year statutory time limit for reporting negative items according to the FCRA. These items have been disputed multiple times and the bureaus never address the actual issue that I stipulate as not meeting the FCRA Requirements and that the accounts are too old to be listed. Upon completion of their dispute they only verify that the account information is correct and simply call it resolved, which is in violation of the law. 

The two accounts in question are the following : XXXX XXXX Partial Account Number : XXXX Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years. 

XXXX XXXX XXXX XXXX Credit Card Account with no Account Number Listed Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years.
Experian is reporting an old XXXX XXXX account on my file and it needs to be removed. It does not belong to me. Recently, I was mailed a letter from XXXX XXXX that got wet in my mailbox due to heavy rains in my area. It indicated due to the age of this account, it will no longer be reported and it has been removed. Experian refuses to remove this account.
Chase credit card company charged a XXXX dollar membership fee on a lost credit card. The Chase then filed a 30 day late with the credit bureau against this card, that was no longer in use. They stated they sent new cards on XX/XX/XXXX that were never received. When i reviewed the address, it was incorrect. Credit history shows card open since 2006, with no late payments and a credit line of XXXX with a XXXX balance. Chase has agreed to refund the late fee, but states there is nothing they can do about the 30 day late reported to the credit bureau.
I tried to sign up for a checking account with Capital One 360 checking. I was told that I was denied a checking account due to some type of score being too low.
The accounts listed below are still reporting to XXXX, XXXX, AND EXPERIAN. These accounts do not belong to me. I have reported these accounts several times and the appropriate actions have not been taken. Please, delete these accounts immediately. 

XXXX XXXX XXXX XXXX / XXXX   XXXX Last reported : XX/XX/XXXX + {$560.00} Needs Attention XXXX XXXX / XXXX  XXXX Last reported : XX/XX/XXXX + {$300.00} Needs Attention XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  Last reported : XX/XX/XXXX + {$120.00} Needs Attention XXXX XXXX XXXX/ XXXX  Last reported : XX/XX/XXXX - {$300.00} Needs Attention
Over the course of the past year XXXX and Lakeview Loan Servicing LLC has misappropriated over {$7000.00}  of my escrow funds. Out of my escrow account they have been paying county property taxes on three properties that I do not own and never have owned. Between XX/XX/2018 and XX/XX/2018 I contacted their customer service department 5 times ( including sending the attached certified letter with corroborating details received from the county ) letting them know what happened and asking for a resolution ( to refund the {$3700.00} ). In every instance they made promises to look into it that they promptly broke and/or they ignored my claims. 

Because of a death in my immediate family I was unable to pursue this further until on XX/XX/2018, I called customer service again, since they erroneously paid out yet another {$3800.00} from my escrow account. They again said they would look into it. Following up to the telephone call I sent them an email including a copy of the certified letter from XXXX with its tracking number. 

Two days after calling and emailing their customer service department with details ( on XX/XX/2018 ) they sent me a letter stating that they intended to sell my mortgage to XXXX XXXX.