WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I was in a agreement XXXX XXXX FOR DEBIT CARD I was denied activation By a third party Early Warning XXXX XXXX after I secured XXXX Funds on a recorded call Tuesday afternoon @ XXXX XXXX eastern time I was told that based on information In there database server they collect information to deprive Certain ethic group based on color statues of law Which is violating 42U.S.C 1983 SECTION is a federal Every person who under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the XXXX XXXX XXXX , subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, Suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial officer for an act or omission taken in such officer 's judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any Act of Congress applicable exclusively to the XXXX XXXX XXXX shall be considered to be a statute of the XXXX XXXX XXXX. 42 U.S.C. 1983 ( emphasis added ). Section 1983 was enacted on XX/XX/XXXX as part of the Civil Rights Act of XXXX, and is also known as the " XXXX XXXX XXXX XXXX '' because one of its primary purposes was to provide a civil remedy against the abuses that were being committed in the southern states, especially by the XXXX XXXX XXXX. While the existing law protected all citizens in theory, its protection in practice was unavailable to some because those persons charged with the enforcement of the laws were unable or unwilling to do so. [ 1 ] The Act was intended to provide a private remedy for such violations of federal law, and has subsequently been interpreted to create a species of tort liability. [ 2 ] The number of cases that have been brought under section 1983 has dramatically increased since XX/XX/XXXX when the Supreme Court decided XXXX v. XXXX. [ 3 ] In XXXX, the Supreme Court held that a police officer was acting " under color of state law '' even though his actions violated state law. [ 4 ] This was the first case in which the Supreme Court allowed liability to attach where a government official acted outside the scope of the authority granted to him by state law. Since XXXX v. XXXX was decided, an extensive body of law has developed to govern section 1983 claims. This article is intended to provide an overview of that extensive body of law, and will include seminal precedent from the United States Supreme Court and the XXXX Circuit Court of Appeals -- a comprehensive study of all law related to section 1983 is beyond the scope of this article. I was XXXX XXXX XXXX and took to XXXX from a homeless shelter for a paid child support payment because illegal color of laws Will address the Supreme highcourt on this matter
I sent a written request to XXXX XXXX at : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, WA XXXX Requesting proof that I am legally liable for the debt listed below ; and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. 

Creditor Information XXXX XXXX XXXX XXXX   XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX   XXXX Opened XX/XX/2016 {$310.00} Original creditor : XXXX XXXX After XXXX  XXXX did not answer my request I submitted a dispute to the three major credit reporting agencies. XXXX  and XXXX  removed the info from my XXXX permanently. XXXX  removed the info then added it back to my XXXX after a couple months.
Despite numerous complaints, Homebridge financial keeps locking me out of my account. They are not the one-stop-shop for my entire financial profile. I use third party applications/software to log into my homebridge mortgage  account and pull the data needed to keep up with my finances. 

Homebridge blatantly blocks my attempts to log into my own account through these apps. They have declared 5 of my passwords unusable. I 'm on my 6th password, and it 's not 1 of my usual 3 passwords so I 'm constantly forgetting it and having to go through the process of resetting my password. 

Homebridge, and its security are doing more harm than good.
XXXX XXXX XXXX sent a letter to my home years ago ( I do not remember date ) to inform me I had unclaimed money at the Texas State Comptroller 's Office. It also said for a fee they would help me claim my unclaimed money. I immediately phoned the Texas Comptroller 's office to inquire about the letter I had received from this law firm unknown and unsolicited to or from me. I was informed that the Texas Comptroller would not have released any information regarding  any unclaimed property to anyone but me. I was told that if this law firm found out I had unclaimed property, they would have had have called and impersonated me with my social security number for verification. The representative processed the release of my unclaimed property directly to my home and told me they would not or could not by law have released it to this law firm anyway. The law firm evidently impersonated me again to find I had retrieved my unclaimed property on my own and billed me for services not provided or elicited. I began to get collection notices and the amount has multiplied over 700 percent from the original fee. I have disputed this with XXXX who refuses to remove it from my credit record. I did not know where else to turn, but to you for assistance.
Sent do not contact letter based on templates provided by CFPB in XXXX 2016. Received further written attempts to collect debt as of XXXX/XXXX/2016.
I asked who and why they are calling my XXXX XXXX XXXX mother 's phone number all day and night. They also call my cell phone number all day and night. Sometimes the numbers are private numbers. I've told them to stop calling twice now. I've asked them why they are repeatedly calling us. 

I received a " XXXX XXXX '' for animals a few months ago. I made one payment, and have been harassed by them ever since.
I HAVE TRIED TO CONTACT THE BANK OF AMERICA SINCE, XXXX XXXX, XXXX XXXX, XXXX XXXX, AND THE LAST ON XXXX XXXX I ASK THE BANK OF AMERICA TO SEND ME A COPY OF THE APPLICATION OF THE ORIGINAL CREDIT CARD WITH MY SIGNATURE, BANK OF AMERICA I HAVE NOT BEEN ABLE TO PROVIDE IT, AND I HAVE ALREADY PASSED MORE THAN 90 DAYS AND I CONTINUE TRYING TO BE SENT THAT APPLICATION FROM THE ORIGINAL CREDIT CARD ACCORDING TO THE LAW THE BANK HAVE A PERIOD OF UP TO 30 DAYS TO PROVIDE THIS INFORMATION OR SHOULD BE REMOVED FROM MY CREDIT REPORT, VILOLACION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( INCLUDING BUT NOT LIMITED SECTION 807-8 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT ( INCLUDING BUT NOT LIMITED TO SECTION 623-B
Until recently, I was unaware I could file a complaint for the reason described below until I was told by my financial advisor, hence my delay in doing so.

On XX/XX/XXXX, I received a denial for credit from XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX, XXXX, DE XXXX ) for an XXXX Visa Signature credit card ( reference # XXXX ). 
The reason cited was : " Not enough accounts opened long enough to establish a credit history. '' At the time, I had the following credit card accounts opened : 1. ) XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX - Opened since XX/XX/XXXX 2. ) XXXX XXXX MasterCard - Opened since XX/XX/XXXX Further credit account entries on my credit report were 1. ) XXXX XXXX account - Opened since XX/XX/XXXX XXXX. ) XXXX XXXX loan account - Opened XX/XX/XXXX All these accounts had been opened several years at the time of application. 
I was given additional ways to expand my credit history, such as car loans, mortgage housing, etc., all of which I already possessed at the time of application so this decision was really not at a negotiable point. 

Of Note : 1. ) The credit limit for the XXXX / XXXX XXXX XXXX was increased twice on the credit report received by Chase Banks at the direction of my credit card company who did so based on my timely payment history. 
2. ) The credit limit on my XXXX  was increased again after this credit denial, again at the behest of my credit card company. I have a history of never making late payments on anything, as shown by my credit report. 
3. ) Given that the other companies named above issued credit to me as well as my excellent credit history, Chase 's faulty denial of my application was arbitrary and based on unrealistically high criteria of expecting even further credit accounts for consideration. 
With my credit status as it is, It is doubtful that many people could actually obtain this Chase card, that is if Chase underwriters are actually using consistent criteria. 
4. ) As this account offering was made on XXXX and was instantaneous, it is highly suspect that I could have been rejected that quickly. However, XXXX offers " gift cards '' should the applicant be denied within the same transaction. 
The offer also states the applicant would receive {$50.00} off their first purchase if credit is approved. This is consistent with a bait and switch scheme so this might also be reportable to an additional government agency ( i.e. Federal Trade Commission ). A credit card offer is still on XXXX 's website. 

Please feel free to contact me should you have additional questions.
XXXX XXXX has called me multiple times and hung up with out giving me any info. This mornings call at XXXX was XXXX calling me and hanging up after I verified that he was speaking to the correct party. It took me speaking with a manager to figure out what the debt was. The last time he called me a few days ago the same XXXX called and hung up on me after telling me I was " refusing to pay '' but I had NO IDEA what I was " refusing to pay ''. They also never read to me my Mini-Miranda before hanging up on me.
Transunion is refusing to update my tax lien status. I have given them proof that these tax liens have been paid and released. The refuse to update the information as paid and released. My Iowa tax Lien is paid and released They are now refusing to allow me to dispute information in my credit report. 
This is the information that is on record at the court house : Lien Filed XX/XX/XXXX ; XXXX Recorder of Deeds ; Case or ID # XXXX ; Amount {$10000.00} ; Class State ; Released XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX : ( XXXX ) XXXX It shows released on XX/XX/XXXX, The other tax lien XXXX XXXX XXXX Lien Filed XX/XX/XXXX ; XXXX Recorder of Deeds ; Case or ID # XXXX ; Amount {$2000.00} ; Class State ; Released XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX : ( XXXX ) XXXX. These are showing RELEASED and Transunion will not release the information. 
I am in the process of purchasing a home and Transunion is no the only company that will not update information. 

XXXX
XXXX XXXX account has been sent to an outside agency as was told to me by the Rep. But they would not allow for call verification from XXXX. 

The account is currently with XXXX XXXX Credit Bureau XXXX
continued action taken to collect a debt that is not mine I have asked the company to provide proof and validation of debt under FDCPA guidelines Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

phone calls and letters have been non stop after I sent letter to cease and desist until debt can be validated as of this time they have failed to comply
Credit Bureaus XXXX and XXXX are reporting wrongfully. This is detramental to my credit. The Account Status they both are reporting as activity date of XX/XX/XXXX is incorrect. The Activity date was XX/XX/XXXX when the foreclosure took place on my home in XXXX Calif. No activity happened after that. The correct Activity Date should reflect XX/XX/XXXX. 
I have Disputed this with them several times per phone and XXXX, to no avail. Ditech Financial LLC is reporting to them the wrong activity date.
Three  times I have submitted requests to the  XXXX  individual credit bureaus as well as  XXXX   XXXX   XXXX  requesting the inaccurate reporting of the late payments in  XXXX  &  XXXX   XXXX  to be removed for all  XXXX  of my federal loans with acct numbers  XXXX ,  XXXX ,  XXXX , &  XXXX .     The agency reported a timely payment in  XXXX   XXXX , 60 days late  XXXX   XXXX , & 90 days late  XXXX   XXXX  for all my accounts. During this time I was struggling with the company to approve my IBR. On  XXXX   XXXX ,  XXXX  I spoke to agent #  XXXX  with  XXXX  who retro-acted my deferment to  XXXX   XXXX ,  XXXX  to be active until  XXXX . I followed up on  XXXX   XXXX , to ensure my account was current was spoke to a man,  XXXX , @  XXXX    XXXX   ( MST ) who stated I was in deferment with a bal of {$0.00} since  XXXX   XXXX .     Every time I have requested the inaccurate reportings be corrected  XXXX  places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.
I had an account from XXXX XXXX ( KS ) XXXX placed for collection with Account Resolution Corporation ( ARC ) out of XXXX, MO. I have gone back and forth with both entities about the delinquency date on my credit report. The date should be on or around XX/XX/XXXX, however it has been reported on my credit report as XX/XX/XXXX. The big problem with this is the house no longer existed as of XX/XX/XXXX as it was lost to a fire. The creditor ( XXXX XXXX XXXX ) acknowledges that the last payment was made in XX/XX/XXXX and can not explain why the delinquency is being reported as XX/XX/XXXX. When I contacted ARC about the discrepancy they said they would look into it and contact me, after a week I called them back to ask about the status and they stated that they had closed the account as a refusal to pay and would then report that to the credit bureau. I did not refuse to pay I simply asked them to report the correct date as that is older than seven years. Their only answer to this is simply that the account has been closed by them. I believe they have willfully re-aged my debt thus violating the FDCPA and I have reason to believe they have done this to many others as well as the President of the company, XXXX XXXX, who stated he is the 100 % owner of the company, told me they simply report the date of delinquency as the date they receive the file from the creditor. When asked what date the creditor had as the date of delinquency he stated XX/XX/XXXX. I said while that is incorrect, why did you then report it as XX/XX/XXXX? His answer was we date delinquencies as the date that we receive them from the creditor. So they are reporting that I am refusing to pay and they have reported the incorrect delinquency date for nearly 5 years on my credit report. They refuse to fix this. I am certain I am not alone in my story.
DIVERSIFIED CONSULTANTS INC has place a trade-line on my credit report. XXXX was the original creditor, and there was a dispute already placed with XXXX. XXXX reported to me that they closed this account with a XXXX balance.
NCAC is attempting to collect a debt I allegedly owe in the amount of XXXX for an Apartment complex I lived in XXXX to XXXX. Upon Move out I was told that I was to be emailed and mailed a copy of my move out statement - which I never received from XXXX XXXX. By the time I received any notification of any monies owed, the " debt '' had already been sold to a collection agency NCAC. I contacted the leasing office to get verification of debt and to find out how they came up with such a ridiculous amount even after keeping our apartment deposit and pet deposits. I was told that it was no longer their problem and to take it up with the collection agency. OnXX/XX/XXXX I sent a certified letter which NCAC recieved onXX/XX/XXXX asking for proof that I owed NCAC XXXX and to show proof of a signed contract that I owed NCAC any money. They failed to provide any such contract between me and them and instead sent me a copy of my lease with XXXX XXXX and a move out statement. On XX/XX/XXXX I sent another letter again asking for proof that I owed XXXX to the National Credit Audit Corporation and how they came up with that exact amount. They received the letter onXX/XX/XXXX and I once again received no such proof and was only sent a copy of the lease and a vague move out statement. On XX/XX/XXXX I requested new copies of my credit report from the Bureaus and NCAC also failed to mark my account as disputed within the appropriate timeline provided by law. 

As per the law not only were the unable to furnish any proof of how the debt had been calculated they were also unable to prove or furnish any signed contract I had with the NCAC making me liable for this alleged debt. 

They also violated the law by not marking my account as disputed within the allotted timeframe of 30 days.
MY XXXX XXXX XXXX $ TO XXXX. THE POST OFFICE THERE GET INVOLVED IN A FRAUD. HE GAVE : XXXX XXXX $ INSTEAD OF XXXX . 
BECAUSE HE CLAIMED THERE IS FEW SPELLING ERROR WHICH IS CORRECT. 
I WANT TO COMPLAIN FOR THIS KIND OF FRAUD. 
THANKS XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
XXXX XXXX XXXX XXXX is attempting to collect a debt that I dont know what it is I asked for debt validation and they sent a copy of a bank statement but nothing that I have signed. I also checked and they are not licensed in the State of Ohio to collect this debt where I have resided for the last year.
This is regarding the business Greentree Servicing. I have been trying to make my mortgage payment for the past two-three weeks. No one at the company is answering the phone/my calls and the company 's website wont take my payment online. I originally made a payment on XXXX XXXX and was told on XXXX XXXX that it did not go through. I called on XXXX and everyday since then to try making the payment again and have yet to reach someone with the company. The only contact number I can find in relation to payments is ( XXXX ) XXXX, and no one is answering. I do not know what else to do and its getting close to the end of the month. I do not want this to be reported on my credit when I actually do have the money to make the payment. Anything that you can do to help would be greatly appreciated.
I have been the victim of identity theft and have notified the credit bureau of this by placing a fraud alert on my reports as well as sending in an ID theft report. After going over my reports I did notice some fraudulent information I was able to successfully dispute and remove most of this information except for an account by a company called XXXX that Experian refuses to remove I have notified them via phone call and letters that this is a FRAUDULENT account however they refuse to remove it or give me the information used to verify the account. At this point i have now Disputed this account 3 times and it keeps coming back as verified but when i call Experian they can not tell me what steps they took to verify or investigate this fraudulent account. I am hoping the CFPB can help me clear this situation up as soon as possible. Thank you
With the recent XXXX XXXX breach in security and over XXXX XXXX people 's data being compromised due to unprecedented neglect by the company it is ridiculously for the victims to be required to pay to freeze their credit reports. Companies like XXXX and Experian should be offering a free service to freeze credit even if it 's temporary, especially during these times. Such blatant attempt to profit off the XXXX breach is deplorable.
I have a Home Loan with Caliber Home Loan about 4 years. I am always about 15 days early. I have an XXXX Credit score. I am XXXX XXXX XXXX. Last month i did not get a payment slip. I was one day late and received harassing phone calls. I paid my XXXX payment on XXXX. I received the XXXX Billing yesterday on XXXX XXXX. It was due XXXX XXXX. I tried to call the phone listed on their Invoice XXXX XXXX XXXX. The automated operator did not recognize my " phone # ''. They did Not recognize my account #. Automated system disconnected me. I tried 7 times. I tried to call Caliber Home Loan Corporate # XXXX XXXX XXXX. Same Problem! They did not recognize my Phone # or my account # and disconnected me. This is Outrageous! 
I am entitled to call my Mortgage Company and find out my payment schedule situation. 
I am making a formal complaint I will enclose payments I made and their invoices. 
There are volumes of complaints against Caliber Home Loans.
I went into the branch of Chase Bank and requested sheet of checks .. The Bank Teller asked which account I wanted to cks printed from and I provided that to her..Checks were printed ..I wrote the checks and when they came in they came into the wrong account which caused the account to be overdrawn. I recvd a {$35.00} Fee and I called customer service and was told I would have to go into the Branch and discuss.. .I explained it was a BANK ERROR and how they could not help me as they have in the past ... Bottom Line this was a BANK ERROR ... The funds were AVAILABLE but in the account in which I had requested the checks to be printed from!!!! I have been w. Chase for over 10 years!!! The fact I was given this kind of grief over {$35.00} is pricesless. I work at Esurance and deal with customers each and everyday ... clearly the difference between myself and Chase is I show EMPATHY to my customers! And I do n't act like the $ from my company is MINE and if there was an error I would be happy to handle ... I am a single mother so money is tight.. I work XXXX jobs and explained to not only XXXX in customer service who took the call but her ALLEGED supervisor XXXX from the Texas Branch I simply DONT have the time to go to branch to sit in a line to discuss a fee of {$35.00} ... Bottom line this is a BANK ERROR and I should not have been given ANY grief over such ... I am requesting someone look into there actions and please help as clearly if nothing is done I will be happy to take my business elsewhere which I know the bank does n't care since I am ONE person but I can assure Chase I will be happy to let anyone know I come in contact with how they handle their customers and LOYAL customers at that. 

thank you XXXX XXXX
XXXX XXXX failed to respond to my CFPB complaint as of XX/XX/2018. This by default, requires the organization to remove the debt posted to all my credit bureaus in the amount of {$130.00}. After multiple previous attempts I have disclosed my monetarily exempt income and zero potential for future collection as a result. This organization has failed to validate the collection potential of a debt over 2 years old. I appreciate the CFPB 's intervention to resolve this issue or escalate accordingly.
I received a collection notice from Collection Information Bureau , Inc. from creditor by the name of XXXX XXXX , XXXX. I paid the amount they claimed I owed, exactly {$81.00} because I do not like to be send to the credit bureau, etc. When I called this morning to ask for the explanation of benefits or at least to know which number should I call to obtain the information and why was I charged for that amount ( I have XXXX and also a supplemental XXXX XXXX XXXX XXXX XXXX. ), the man who answered the phone was very nasty and did not want to give me any information. I asked him how was possible that the company does not have contact information for their client XXXX XXXX , XXXX he said they do not have that inf, The only inf he gave me was the one on the collection notice and that services were provided at XXXX XXXX. XXXX XXXX was not the party claiming I owe the money. I think if you are collecting a bill from another agency the consumer, in this case me, have the right to know why they are charging me that amount and the details. Please let me know what to do next.