WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion has consistently allowed XXXX XXXX XXXX XXXX to report accounts that were protected and included in a 2008 bankruptcy to my credit profile. XXXX XXXX has failed to comply with the Fair Credit Reporting Act with the help of Transunion by using them as a means to attempt to collect a financial debt that is no longer legally responsible for re-paying. Transunion has failed to review my evidence and continues to accept the creditor updates. After many failed attempts at trying to resolve this matter, XXXX XXXX and Transunion leave me no choice, but to take legal actions against them. I am not delinquent on any mortgage account with XXXX XXXX XXXX XXXX because I do not have an obligation to pay any balanced owed or due in accordance with my bankruptcy discharge injunction. My injunction is a permanent injunction. Transunion and XXXX XXXX are in violation of both my injunction and the FCRA by reporting an account for greater than 7 years in a delinquent status. Those accounts should be removed after 7 years. XXXX XXXX re-aged the account in order to continue reporting on the account. XXXX XXXX reported that account with a derogatory status beginning in XXXX of 2008 ... nearly 8 years ago as a bankrupt account. Since they know they ca n't legally report on this account any further they know that the incompetent staff at Transunion will accept their paperwork and ignore that of the consumer. Transunion is irresponsible in their duty to protect the consumer from prohibited practices and false reporting. Transunion is the only CRA that is allowing this practice. I am going to take legal action against Transunion and XXXX because this is my final attempt at getting the to correct the problem. I have attached a letter from my attorney that clearly states I do not owe XXXX any money and they can only enforce the lien.
Select portfolio Service is our loan holder ; we have been attempting a loan modification since XXXX of 2016. They sent us a letter indicating they had all the information they needed and we were pretty much approved. One week later we were asked again for the same information we have already submitted several times. Based on everything they have done and said they have no intention on giving us a modification, even though they admit they are legally required to do so. We and hundreds of other customers are treated unfairly and are the victims of illegal practices and an overall culture of attempting to stall and do everything possible to not help anyone. They are at best incompetent bumbling idiots that work there or more likely - following company policy which seems to be to help no one and try and accumulate as many fees as possible ... .they charge us for evaluating our property about 6-7 times a year, they charge us to make a payment. They are acting criminally.They are predators and should be stopped.
NationStar now called XXXX XXXX insist that I owe lender fees in the amount of {$1200.00} connected to XXXX XXXX XXXX from XXXX when the mortgage was given to NationStar at the time for loan servicing. Since then I have been delinquent and file bankruptcy in XXXX. XXXX XXXX has not explain to me fully how the fees can remain unpaid even after all monies have been paid to bring account current coming out of BK. The company quote a long list of charges and fees but not an adequate explanation. The latest offense is requesting over {$1100.00} from a lender for a second on the mortgage loan. When I called the company no one can explain to me how after all these years from a XXXX mortgage loan I can still owe lenders fees. They held up the 2n mortgage loan until they were paid. NationStar or XXXX XXXX has tried every dirty trick in the book to charge me extra fees and lender paid fees in the Escrow account. I am sick of it. I want an audit of my loan since XXXX XXXX XXXX gave the servicing of the loan to NationStar/XXXX XXXX
I am writing you to lodge a formal complaint against Wells Fargo about multiple overdraft fees from XXXX totaling over {$9000.00}. I am a dedicated online banker. 
Last week, my husband made a purchase on XXXX and the pay pal account was linked to my checking account unbeknownst to him. He alerted me that he made a purchase but was unsure what account it was linked. This alerted me to check my account and I was alarmed that it was overdraft by approximately {$650.00}, so I panicked and transferred from our savings account to ensure nothing else would overdraft causing more fees. I checked my account yesterday and was flabbergasted to see that I was negative approximately {$350.00}. So I did some further investigating on my account and noticed that I was getting an overdraft fee for small items as low as XXXX cents and in the month of XXXX alone I was charged about {$1000.00} in overdraft fees. At this point I called the Wells Fargo Customer Service line and spoke with a very kind representative and she said she could only refund me {$260.00} ( give or take. ) I told her that I completely understood her position but that it would not be wise for me to settle when that would still leave my account overdraft and vulnerable to more charges. She completely understood and then transferred me to another representative with more authority. Again, I was treated very professionally and with kindness. Unfortunately she said she would only be able to refund my account around {$650.00}. Please excuse the estimations as I am going by memory. I told her that was a better amount but that I felt that I had been taken advantage of by Wells Fargo and the new overdraft policies that she said I had opted in? I did further investigating on my account and am so sick right now looking at the fees charged so far this year. They total over {$3000.00}. This was money that could have been used to keep my mortgage current, my student loans current and my credit cards current, but now I am in such a hole that I ca n't see the light. 

I believe there was a lot of charges accrued due to the way Wells Fargo drafted items out of my account. And it appears that in XXXX there was a change in the overdraft policies. Between XXXX and XXXX fiscal years was charged an average of XXXX overdraft fees per year and between XXXX, I have been hit with XXXX overdraft fees which averages about XXXX overdraft fees yearly affecting my bank account negatively {$290.00} per month. During XXXX to XXXX, I ran a business and was completely focused on that and neglected overseeing my bank account as needed because mainly I trusted WF and could n't possibly fathom that this was taking place and I was being taken advantage of like this. 

My complaint is about this new policy that I was placed in without my knowledge and how it has negatively impacted my life financially and emotionally. I have been seeing a XXXX due to the XXXX this has caused. 

I would like my money back. 

Thank you for your time.
Loan originated on XXXX XXXX, 2017 for {$700.00}, loan # XXXX. The payments that have been made thus far : {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$50.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 Total amount paid {$1000.00} When I sent an email around XXXX/XXXX/2017 requesting to make payment arrangements, I was told that I had several more payments remaining. I personally feel that with the payments I have made to date, this loan should be considered as paid off.
I received a debt collection notice from National Credit System ( NCS ) regarding my refusal to pay a debt owed to XXXX on the Lake for carpet replacement in the amount of {$1000.00}. This is a debt that I was totally unaware of and do not owe. I have contested this bill and requested proof of the allegations and NCS would not provide any additional information regarding my request. Instead they were threatening me to pay this bill without any explanation as to how XXXX came to the conclusion that I was responsible for total carpet replacement in my apartment without notifying me of the damages. I provided them with my copy of the final walk thru paperwork that the XXXX management team completed which made no mention of the carpet needing to be cleaned, repaired or replaced. I lived in the apartment for two years and three months prior to my departure I received my free carpet cleaning from the XXXX Maintenance Staff for renewing my lease. NCS has reported this erroneous information to the credit reporting agencies, and now my son and I have this negative information on our credit report without a thorough explanation or proof of damages.
I have an auto loan with PFS financial XXXX. My loan term is 42 months, my payments are {$350.00} a month. I pay my payments monthly and noticed my balance keeps going up and now down. I did fall behind a few payments here an there. A woman from PSF financial came to my job threating me for payment and nonstop phone calls requiring payment. I check my payments to be on XXXX on a monthly basis. I recently checked my car payments to be posted on XXXX and noticed my monthly rate is now {$480.00}! I never received notice of this and am totally unaware as to why its now {$480.00} and not {$350.00} like it is in my contract. Attached are copies of amounts I been paying as of XXXX 2016 until current. On XXXX, it shows I did not miss any payments so I do not understand how my monthly payment when up, especially without my knowledge.
I opened a loan with Santander XXXX XXXX, I put 8k dollars down on a $ 13k car and noticed that my interest and payments were never reflected on my account correctly. Due to an illness I was out of work and struggling to make my payments. Santander repossessed my car several times making me pay large sums of money in order to get vehicle back that never went towards the balance owed on the vehicle. My interest rate was set at 28 % for a XXXX vehicle. The last time it was repossessed in XXXX they sold the vehicle at the auction. I am still being told that I have a balance of {$5200.00}. I owed a little over 7500 dollars at the time of repossession and the vehicle was sold for XXXX XXXX XXXX value of $ 4k. I feel like my balance would be less but it seems to be increasing every month. I have attempted to settle with them to have my account rectified or settle in order to clear my credit and to purchase another vehicle but have had no success. I would like my account information and payments, interest etc to be checked for accuracy and then i would like my account updated and would like to settle with Santander for the amount remaining.
I have been complaining for the past 8 months about the same issue and nothing is being done about it. For the past 8 months each time I log into my paypal merchant account it freezes my account and forces me to take a paypal introduction tour that I have taken 237 times over the past 8 months. Each time I call in to technical support I get the same response there is nothing they can do to assist me. If I have a problem please write to our legal department. I don't need to speak to legal department I need access to my account ONLINE!!!!!!!!!! I need someone from the head of tech support and or programming to assist me and not talk to the customer service people who keep telling me for the past 8 months and 11 times I have called in regarding this issue we are trying to resolve the issue its been over 8 months they have had enough time to try to resolve this issue. I do not want to speak to legal department just a tech support person that can take charge and solve the problem!
This will be the third complaint through CFPB in regards to this issue. In my last two complaints ( the last being # XXXX ), I was expecting to hear a response relevant to my complaint, and I am still waiting for this. 

As my last two submissions, I attached the chat dialogue wherein I was assured by the online customer service representative that Citibank has been paid in full. If you would review the chat ( I will attach again ), you will see I was clearly informed this was so. I have received the letter Citibank speaks of where they informed me of the situation regarding the payment I attempted to make. This is not my issue. I do n't know how I can be any clearer. And I would like a response in that regard and not Citibank avoiding that issue a third time. 

To clarify, my issue is I was informed and assured the balance ( {$990.00} ) was paid off in full, and more specifically that Citibank has been paid, they received the amount and that no amount is owed. I am going by that information. And this account needs to be marked as I was informed, as paid, and to be closed as I do not wish to do business any longer with a bank that lies to its account-holders. I will not let this issue go until Citibank follows through on the information they gave to me.
I recently began getting my wages garnished by Calvary Portfolio Services who claimed that they had a jidgment against me for over XXXX. I was never served judgemnt papers or even a notification of the court filing or date. I also never was notified about the garnishment. The actual debt is not even on my credit report so Im not sure how they are collection money I do not owe. When I called the attorneys office they used they had an address in a different state to which I live.
XX/XX/18 : I was notified by email that my checking account was negative XXXX. The branch is closed but the ATM machine is open. It is down for accepting deposits today. I have a photograph of the deposit feature unavailable if you need it. 

I had XXXX $ cash in my hand to deposit so not only would I have covered the negative balance, I would have had additional money to cover direct debits that might hit my account from now until Monday morning when I can walk into a branch. The nearest branch right now is 40 miles away and I dont know if their atm is down for deposits too? This is the fourth time this happened to me at that location with Wells Fargo on a weekend. 

I called their XXXX number for customer services and asked if an automatic payment was going to hit my account from now until Monday morning at XXXX if they would reimburse me the overdraft fees. He said no because I have autodraft on my account. I said yes but I also SHOULD have the ability to deposit cash and you denied me of this. If you deny me deposit then charge me overdraft fees, that is illegal. 

This bank has done this to me numerous times.
An app, XXXX XXXX, has not been updated in 7 days. This has caused the app to stop functioning. There is little to no communication from 5/3 Bank.
Experian is absolutely refusing to do a proper investigation of these XXXX accounts. 
XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX. Neither XXXX of these accounts have been updated by the original creditor, which means they never contacted them. The dates for the first delinquency is in question and the high balances are not correct.
In XXXX 2017, Bank of America took adverse action by unilaterally [ without consulting me beforehand and without a hearing or notice before the account was frozen ], by closing/freezing my several bank accounts with them, for all three-credit card, savings, and checking-after over ten years of loyal patronage with them as their customer and cardholder. 
I followed up with them throughout the months since then, the latest was in person in XXXX, NY at the XXXX XXXX Branch, but they refused to reopen/reinstate my account or let me open up a new account. When asked from time to time, during my appealing and petitioning, they said it was a 'business decision ' but did n't elaborate further.
The company called at XXXX XXXX This is not the first instance. They are harrassing me.
NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX XXXX XXXX, 6th Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. 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.
Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days.
A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Dear XXXX : I write in order to submit a complaint against Professional Account Management ( " PAM '' ) of XXXX. PAM falsely alleges that I owe {$180.00}. I have disputed the validity of the purported debts, in writing, on numerous occasions. PAM refuses to provide documentary evidence to support their accusations. PAM and/or its agents have called me at work, called and texted my mobile phone resulting in charges, phoned before XXXX and after XXXX, sent threatening letters, and presented materially false information to the CFPB and the XXXX. I have requested that they cease and desist communication on multiple occasions to no avail. For the foregoing reasons, PAM is in clear violation of the FDCPA. Furthermore, they are in violation of the FCRA, FDCPA, and the FTC Act by falsely alleging to public entities that I am delinquent on accounts and publicly disclosing my personal information without authorization or consent. I respectfully request that you intervene and put an end to these unlawful practices. Very truly yours, /s/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Maryland XXXX
I have a collection placed on my transunion by : XXXX. I sent a letter to the collection agency with a request for full debt validation on XXXX XXXX, XXXX. They received my request on XXXX/XXXX/XXXX ( I have all receipts sent by registered mail ). They sent back the total charges billed provider. However that is not a validation of the debt as described with the FAIR CREDIT REPORTING ACT. There is no description of services rendered, explanation of how the alleged amount was calculated including interest, no copy of any signed agreement between me and the billing agency, nor was a complete payment history present with the original creditor. I sent out another letter again, requesting for validation of the debt, they had thirty days to respond according to the Fair Debt Collection Practices Act. They received the second request on XXXX/XXXX/XXXX and never responded. I sent the receipts and a letter to transunion that the thirty days passed and I received no validation of my debt and I had asked transunion to remove this collection immediately. Transunion however did not delete it from my credit and wrote that it has been updated to be removed in XXXX. This is not a valid collection and it needs to be removed of my credit, there are many violations in place here.
Wells Fargo closed and account that at I had due to pay day loans that were not submitted by be. When they closed the account they placed some type of alert on the account keeping me from banking with them or their affiliates. In addition, I had an open identity theft case in Oregon and had went through a divorce that ended in my ex husband going to XXXX for fraud ; I am not sure if he or my sister who also used my information fraudelantly who also XXXX for the same thing and same charge. Since their releases from XXXX I have not been able to have a bank account.
On XX/XX/XXXX, I got a letter from First National Collection Bureau , Inc. saying that a judgement against me was in place by their client XXXX XXXX XXXX. and the original creditor was XXXX XXXX XXXX XXXX 
As of the date of the letter the amount owe is XXXX ... 
________________________________________________________ On XX/XX/XXXX, I sent my dispute to First National Collection Bureau , Inc . 
The verification sent to me on XXXX XXXX didn't prove I owe this debt. a copy of a credit card account with XXXX XXXX XXXX XXXX  that didn't have my information. A copy of a default judgement dated onXX/XX/XXXXwith State of New Mexico County of XXXX XXXX XXXX XXXX District Court .the balance was XXXX court costs {$160.00} and Attorney 's fees of {$200.00}.