WillisBack/dataset-financial-user-claim huggingface dataset:
On Tuesday, XX/XX/XXXX, I received a call from AAA Collections Agency.  To my knowledge, the collections representative did not give me the required FDCPA notification when I answered the call. It is very possible the collections representative mumbled the required notification - someone who is not used to hearing the notice could not reasonably make out the notification. 

The collections representative indicated I owed {$2300.00} or {$2100.00}. I am not entirely sure on the amount they were attempting to collect, since I did not owe anyone {$2100.00} or {$2300.00}. There is a past due balance that I am being billed for from XXXX XXXX in the amount of approx. {$1900.00}. I am disputing this bill. There are some medical services that I should not be billed for and XXXX is unable to provide me a detailed/itemized bill. Anyone who is billing you for a debt, should be able to provide an itemized bill detailing all services received. 

I am unclear on how this {$1900.00} bill turned into {$2100.00} 0r {$2300.00}. I received a letter from AAA collections agency sometime in XXXX. The notice said I could call within a certain timeframe to dispute the validity of the debt. I followed the instructions and contacted AAA, indicated I did not accept the debt and that the debt was not valid. I then proceeded to call XXXX and again requested an itemized accounting of the services I was being billed for. I never received an accounting of services, however XXXX indicated they would pull the debt back from AAA while they investigated my dispute. I did not hear anything from XXXX or AAA and figured XXXX was still investigating the matter or compiling the information I requested. 

On XX/XX/XXXX, I heard from AAA and the bill is now in the $ XXXX. I asked why they had not notified me sooner or sent me another written notification. The collections representative indicated they had called me on XX/XX/XXXX and instructed me to check my call history. I received no such call on XX/XX/XXXX. 

This company has not contacted me and has not completed their due diligence, with regard to the FDCPA. The collections representative indicated he was going to refer the debt for legal action and prior to hanging up said something like " you know whats going to happen. '' I felt as if he was threatening legal action on a debt that I have not received any collections notifications for, since I indicated I did not accept the debt and explained that I was disputing it in XXXX. XXXX has sent me a listing of services received with a bunch of medical codes that I can not decipher. They told me I could call another number at XXXX and request a copy of my medical records and try to match up the code with the services rendered This is not acceptable, a consumer should not have to go on a wild goose chase to find information that should be included on any bill/invoice. AAA Collections representative was incredibly rude and told me I received the medical services and now I need to pay for them. The AAA Collections representative has no idea why I am disputing the bill and it was very inappropriate for this individual to comment on the nature of the bill in dispute.
My compliant arises from Mr. Cooper 's and XXXX 's failure to provide adequate and complete disclosures in their deed of trust regarding permissions for exercising a short sale and deed in lieu. 

Had these pertinent terms been disclosed and the type of permissions required for execution, I wouldve made an informed decision. I would've fully understood as the sole borrower of the loan whether consent from another party was required for a short sale or deed in lieu approval. Taking this into consideration, I would've not signed as the sole borrower on the loan, add two co-signors, and put my credit on the line for the next 30 years. 

Ive took time out of work for a year to resolve this issue with multiple representatives from Mr. Copper and XXXX only to find out now there is a flaw in the deed of trust. 

The fact these pertinent disclosures werent disclosed is equivalent to blindly signing a contract. In other words, I signed for something I didnt know what I was signing because these terms were clearly and undoubtedly excluded. This clearly is Mr. Cooper 's and XXXX 's fault, since they're the parties responsible for verbiage structure. 

At the time the deed of trust was signed on XX/XX/2013, as a CPA and XXXX  XXXX agent, I made the extra effort to double check and read every letter of the deed while dotting all my " is '' and crossing all my " ts ''. No where does it mention I need to obtain the consent of any co-signee in the event of a short sale or deed in lieu. 

It's obvious that with my thorough due diligence review, had I known about this substantive fact in writing, I would've thought twice and not entered into this agreement with Mr. Cooper. In fact, who in their right mind would get into a rabbit hole like this, especially someone whos well educated like myself, had they known about these facts upfront? 

Omission constitutes a null contract which is equivalent to a rescission. The fact these important terms were omitted makes me wary about Mr. Coopers and XXXX 's fiduciary responsibilities not knowing if other disclosures were also excluded. 

As a result, I feel like I've been robbed of my credit, gipped, taken advantage of, defrauded, inadequately informed, and treated unfairly from both companies. I dont feel comfortable continuing doing business with these companies because I suspect they're probably engaging in other illicit practices. 

Therefore, rightfully so, I am requesting these companies to be sanctioned and suspended from doing business in the financial sector along with the release of my name from the mortgage. 

In case there's any confusion or a predisposed, illogical rationale in favor of these entities, I want to close off by giving an example. As a XXXX  XXXX agent, if a universal policy doesn't contain any information on policy fees for early withdrawals, but my client signs and later makes a premature withdrawal only to know theyre slammed with a hefty fee, what do you think the outcome would be? 

In this example, I am the customer who happened to sign an unlawful and invalid deed of trust with corrupt financial institutions who go by the name of Mr. Cooper and XXXX XXXX.
USA Funds continues to garnish my wages without sending me any information in the mail for me to dispute the loan. I have tried to enter into the rehabilitation program to stop the garnishment but they still continued to take money out every paycheck. 

I have never received anything in the mail from them and only have been told by them that they are collecting to XXXX  student loans which was a company that was part of XXXX XXXX loans.
I am furious! I have been battling XXXX for months now and thought I had reached resolution only to have XXXX not stand by its side of the resolution. I have a {$2000.00} loan with XXXX and have been fighting with them to come to a settlement given their predatory nature. At the end of XX/XX/XXXX, I spoke to Mr. XXXX XXXX. He stated the best XXXX could do for me was make the loan a zero interest loan and require me to pay {$100.00} per payday even though I stated that would be a hardship. I made the first {$100.00} payment on XX/XX/XXXX ( a day earlier than it was due ) and mailed the XX/XX/XXXXpayment ( which they claim not to have received ). To date, I have paid {$580.00}, therefore, my balance due should be {$1400.00}. My Online account shows my balance as {$1900.00}. This is 1000 % INCORRECT. I have reached out to XXXX MULTIPLE times to get that fixed with no response. My online account also shows that I owe {$180.00} per payday which completely VIOLATES the agreement I entered into with Mr. XXXX. Despite my wanting all correspondence in writing, he refused and now I see why. On XX/XX/2018, XXXX threatened me with collections stating I am {$270.00} past due. This is false information. XXXX is now lying about the status of my account. This is unacceptable business practice.
This is not my account and i was repeatedly harrassed to pay for this account debt!!! I have asked politely to be removed from the contact list and to remove the account but im constantly being ignored. THIS IS NOT MY ACCOUNT AND I WISH TO BE LEFT ALONE! They have no proof of me physically coming to get an account and therefore i shouldnt have to pay for anything i didnt get a product from. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY IM SICK OF THE HARRASSMENT!
This account was deleted from my account due to Identity theft and it has recently been placed back on my report.
XX/XX/XXXX : Received monthly statement and learned the credit card company reduced my limit to be very close to amount owed. Two weeks after the limit reduction I received a letter dated XX/XX/XXXX Advising the action taken with a general reason. This impacted my credit score with a 40+ point reduction. 
XX/XX/XXXX : Once again this credit card company reduced my limit down to the amount I owed with no prior notification of pending adverse action. The letter was dated XX/XX/XXXX and advised the action was taken due to number of inquiries on my credit. 
I have 2 cards issued by this bank. This is the only one they deem to be a risk. The company continues to impact my credit score in a negative way for no reason. I have a 100 % payment history with all of my cards including the ones issued by Barclay Card. After the limit decrease on XX/XX/XXXX I sent payment in full for the account. My cycle date had been the XXXX of the month since opening the card a few years ago. I check all my accounts regularly and I expected this account to cycle on the XXXX of the month to report to the agencies and to give me my final interest. I check the account on XX/XX/XXXX and it had not cycled. I called the company to determine what the issue was and they advised that my cycle date had been changed by a web user to the XXXX. I did not change it. In fact it would have caused ( and did XXXX more issues to change the statement date. When I called to have them correct this they told me they couldn't. 
I am a small business owner and have many cards with substantial limits. My credit will have more than the usual inquiries due to this fact. If this company would have followed standard guidelines and informed me of the upcoming limit decrease I would have had the opportunity to pay the account before it adversely affected my credit. When I called to express my concerns they advised that it was the risk program they had in place and the decision would stand. Not only have they hurt my credit score multiple times for undue cause they are unwilling to correct the issue. This 96 % usage of a single card will remain on my report until XX/XX/XXXX at the earliest causing an undue score drop for an extended period for the second time.
Wetsch Abbott Osbourne Van Vliet PLC is attempting to garnish my wages for a alleged medical debt which has not been verified or investigated by myself, or the other parties allegedly involved. 

I'm unaware of any of the debt that I'm being accused of, and upon multiple attempts, have not received information regarding the supposed debt, or the court information from the above mentioned PLC. The last contact to Wetsch Abbott Osbourne Van Vliet was made around XX/XX/XXXX I believe ... (? I'm unsure of dates at the moment, because I'm unable to get a hold of a representative with WAOVV PLC, even after multiple calls and messages ) the woman I spoke with at that time, said that a representative would be getting in contact with me and they would put my account on " hold '' ( which I understood as " dispute '' upon her explination ) until further notice. I never received a phone call. Never received mail notice. Never received an email, a voicemail, or ANY contact whatsoever from this company in regards to this debt I supposedly owed. I was never served any papers to inform me that they were going to attempt payroll deduction, and with supporting XXXX children, a 25 % wage cut is not something I'm capable of doing. With school starting soon, I'm in dire need of funds, and I feel like I'm being rushed and conned into paying for a debt that I'm not responsible for. 

This morning, XX/XX/18 I received an email from my office payroll department informing me that my pay was to be garnished by WAOVV PLC without any notice from the company whatsoever. I have 2 days ( XX/XX/18 ) to turn in a " Release '' from the court saying to stop the disbursement, which is nearly impossible. I have calls and emails into the court for that documentation, but I'm unsure when I'll be able to get a response to my request for release paperwork. I called WAOVV PLC three times this morning to no answer, stating that their offices are busy and to try back at another time. The entire time this " judgement '' has been made against me, the amount has gone up due to interest, which was supposed to be put on " hold '' per the last conversation I had with their employees. I'm being charged to NOT be contacted upon request. 

Their business practices are completely erroneous, along with the claim that I owe for this medical debt which I wasn't aware I even had ; nor aware I was out of " hold '' for. 

I'm currently searching through my records for the last contact date with this debt collector in attempt to provide better details. 

I'm asking for help from whoever has dealt with this because I'm unsure where to turn at this point. I can't get in contact with the company trying to take my money, and they've made no effort to contact with me directly at all. 

Please help. 
-Concerned Broke Mom
I noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. 

According to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ).
I 'm filing another complaint in regards to Equifax reporting an account on my credit report that they should n't be. XXXX XXXX XXXX XXXX responded to a complaint I filed on them via the CFPB where there 's a law that states that after a car has been repossessed that " Your creditor must give you a written notice informing you of these rights within 3 days of the repossession. You can only get your car back in this way one time during the contract. '' I will attach the documents to the case. I was never given the 3-day notice and I have the proof. Also, XXXX XXXX XXXX XXXX responded back that they 'll reach out to the credit reporting agencies to get it removed also will attach. Now my issue will Equifax that they have removed this same item 2 or 3 times and reinserted it without notifying me prior to doing it as it is a law that states that as well " the credit bureaus must notify you within 5 days of the re-insert date ''. Please see that the item was deleted added back on, deleted added back on several times. They are the only credit reporting agency that keeps doing this no one else is reporting it. This has caused my score to drop significantly. Also, I 'm not getting approved because of it. Please review all documents within this complaint. The last time they responded back it was n't relevant at all to the case it was a systematic response.
I had an outstanding balance with XXXX XXXX XXXX that I paid XX/XX/2016. In XX/XX/XXXX, a collection agency named SW Credit Systems reported on my credit report with XXXX and XXXX XXXX, that I had a collection account with XXXX XXXX XXXX. At the time, I was under contract to purchase a house, and the appearance of this collection account dropped my scores and prevented me from doing so. I have contacted SW Credit System multiple times informing them that I never received a collection notice prior to this account showing up on my credit report. Furthermore, I have explained that this balance was paid, prior to their agency reporting it. Nevertheless, they have told me numerous times that they refuse to delete this account from my credit report. Meanwhile, its existence continues to prevent me from moving forward with mortgage financing options. Their actions are in direct violation of the Fair Debt Collection Practices Act.
Case numbers : Equifax - XXXX & XXXX XXXX XXXX XXXX XXXX - XXXX Have been disputing accounts that do not belong to me for many months now, and all the bureaus keep doing is verifying the information without sending me information that has been asked. As a consumer it is my right to have all information verified, and to have that verification furnished to me within a 30 day time period. It has now surpassed that 30 day time frame 5 times over.
XXXX XXXX XXXX violated the FCRA, by not notifying me they were furnishing derogatory information to XXXX, XXXX and XXXX. XXXX XXXX XXXX is required to notify me prior to, or no later XXXX days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishing of information was going to take place. This is required under the FCRA, section XXXX, subsection ( XXXX ) ( A ).
Western Union is refusing to release funds of a money transfer and has given no good explanation other than " needs further validation ''. We, sender and receiver, contacted customer support repeatedly, even provided a letter from bank attesting that funds were released to WU on schedule - but not to avail. I attach the email from the money sender to WU with relevant details.
I was notified by Citi ( Citi Bank ) on XX/XX/2018 that my credit card payment was past due for XX/XX/2018. Both mine and the company 's records show I made a payment on XX/XX/2018. Their caller stated that that payment was not for XXXX, it was for XXXX. Therefore, i owed an additional {$280.00} which included XXXX 's payment, a late fee, and XXXX 's payment just to make the account current again. 

I hung up and called the company direct, given I was notified via telmarketer. I went through 3 individuals and finally ended up with an " account manager '' named " XXXX '' who informed me the same, stating they could not adjust the payment for XXXX because it was made on XX/XX/XXXX and not XX/XX/XXXX. This was due to " Government Regulations. '' They then stated they would " adjust '' my late fees because they were so concerned for me, but only after I made the entire payment, which by the way, included the late fee. This is both deceptive, unethical, and in my view, fraudulent. They then threatened to raise my interest rate arbitrarily and charge more late fees, if the amount was not settled immediately.
The CFPB recently resolved a dispute ( case number : XXXX ) for me with XXXX XXXX XXXX, regarding a debt that I did not owe. They called to collect {$1600.00} on behalf of XXXX XXXX. However, XXXX XXXX is not legally entitled to collect this money from me, and so neither is XXXX XXXX XXXX. I therefore asked the CFPB to help me file a claim against XXXX XXXX XXXX, which the CFPB did. Indeed, the CFPB ordered XXXX XXXX XXXX to relinquish their claim, and I wish to thank the CFPB for that. 

However, XXXX has attempted to go around the CFPB by passing this same debt on to North Shore Agency. I have contacted the FCC regarding XXXX 's actions, and am now also contacting the CFPB to request that North Shore Agency cease attempts to collect from me. 

Further details of this case are available in the complaint I filed with the CFPB on XXXX XXXX, 2015 ( case number : XXXX ). I have filed similar complaints have been filed with XXXX XXXX, the FTC, and the FCC.
I was recently sold from XXXX XXXX XXXX to seterus. I was supposed to receive a welcome packet by XXXX XXXX, and have not received anything! I do n't want to be held in default for payments when I have no information or loan number to send it to!
On XX/XX/XXXX, I responded to a voicemail that had been left for me by a woman named XXXX. She did not say what company she was calling from, but was calling to respond to a claim made against me with a case number. She said if I did not call back that action would be taken against me without consent. I called and spoke to a person named XXXX XXXX. XXXX claimed to be of XXXX XXXX XXXX, a mediation group who was trying to help me from being sued in court from Wachovia Bank now known as Wells Fargo. XXXX had my address and current information. XXXX claimed that I was in danger of being sued over a debt of {$260.00} from a closed Wachovia Bank account in XX/XX/XXXX. He said the bank was going to sue me for {$750.00}. He said it was unlikely, but that he could discuss with his associates about getting me on a payment plan. I expressed hesitancy and that I thought it was a scam. He sent me a contract that requires my e-signature that now states I owe XXXX XXXX XXXX the above amounts, not Wachovia Bank. XXXX XXXX has my debit card information and has charged me {$100.00} since this phone call.
Amsher collections states I owe {$1200.00} for XXXX XXXX. I have disputed XXXX XXXX claim before in XX/XX/XXXX but now a new one appeared on XXXX XXXX. I have no account with XXXX XXXX or Amsher collections. I have never had services from XXXX XXXX. I have lived in apartments the last 10 years none of which allow for XXXX .I disputed with XXXX company tried to say it was a accurate account. I called XXXX they only transferred me around and continually asked for my ssn. Was sent to the Spanish line twice, I do not speak Spanish. Never sent information about this debt only saw it on my credit report.
There is a hard inquiry on my report that I did not authorize. I called XXXX and spoke with a representative who said that they would note that I called and that I did not authorize this inquiry on my report. I followed up with a letter explaining the same thing. I have not received a response from XXXX and it has been over 30 days. I have uploaded the letter and the certified mail receipt. This inquiry needs to be removed because I did not authorize it.
On XXXX XXXX, XXXX I sent certified mail to XXXX and Equifax credit bureau 's to have credit inquiries removed from my credit report. These inquiries were made without my persmission and should have to be investigated. I never received word back from the credit bureau 's after 30 days, which means they should be removed from my credit report. I also read that a tax lien should be removed from my credit report which was filed in XX/XX/XXXX. According to several web sites, starting on XX/XX/XXXX consumer credit reports were to have all tax liens removed from their reports. I am asking for 6 credit inquiries to be removed of the 8 showing on my credit report. The only two inquiries which were authorized were, XXXX XXXX XXXX XXXX and XXXX. These are correct and should be on my credit report. The others I did not authorize and should not have ever been allowed access to my credit report. Could you help me with this problem?
I was shocked when reviewing my credit report and found several late payments on the dates below : Inconsistent dates below- 30 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 60 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 60 days late as of XX/XX/XXXX ( XXXX ) I kindly ask that you remove this late payments from my credit report as I am trying to qualify for a mortgage and it is effecting my credit score.
Equifax, XXXX , & XXXX has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX  XXXX