WillisBack/dataset-financial-user-claim huggingface dataset:
Portfolio Recovery contacted my employer on Friday XXXX XXXX, XXXX times! The company was closed so a message was left on my employers answering machine that " he had XXXX accounts on his desk to discuss with me and if I did n't call back, he 'd have to take it to court. '' My boss only had a phone number, the person did not leave his name or name of company. To my knowledge this is in violation of the FDCPA!
On XX/XX/2018 I received notice that Experian verified a Chapter XXXX bankruptcy that is currently displayed on my credit report. I have never filed bankruptcy nor have I ever been associated with the address linked to the Ch. XXXX bankruptcy which is also displayed on my credit report. When asked for method of verification via phone, I was referred back to the creditor listed in the entry. I contacted the Bankruptcy Court via phone and was informed that they do not provide anyone with the debtors full social security number and they do not provide any credit bureau any information relating to any bankruptcy cases.
I complaint is regarding this collection agency that is reporting a collection account on my credit report of a fraudulent balance. If they are going to purchase debt then they should be sure that is valid debt. I received a notice from this debt collection agency starting around XXXX regarding an owed balance. When contacting the agency regarding the discrepancy of balance, I was pretty much advised that I would need to establish a payment plan in order for contact to the original debtor to validate the debt could be done. I declined as I did not owe the reported balance. Validation of debt was being requested as the original debtor sent me a letter to advise of security deposit withheld and other fees. I responded back as Florida landlord 's must attempt to minimize their damages in which this company did minimize damages as they collected rent om my old unit from new tenants for XXXX XXXX. The management company / lawyer sent me an adjusted balance as the current balance being reported included a rent fee for XXXX XXXX and I was no longer responsible as management can not collect double rent on the same unit for the same month. I have disputed this balance with original debtor who advised that my debt no longer belongs to them and they refer me to the collection agency. I have disputed the balance with credit bureau to no avail.
In accordance with the Uniform commercial Code, I used legal tender in the form of a unconditional, readily saleable promissory note, that can be financially traded or monetized very easily by the Banks ; to pay off our remaining balance on our mortgage debt in full, to Regions mortgage Bank. I sent Regions Bank a legal notice, with the promissory note, that indicated to them, that if they refuse my legal tender for payment, to send me back the promissory note, with a written explanation, as to why they are exempt from legislation ; however, Regions mortgage only sent me back a letter stating that my promissory note, does not constitute valid legal tender, and is not an acceptable form of payment, etc ..., etc. What I do n't understand, is why Regions Mortgage would say that my promissory note is not legal tender, when the UCC clearly states that it is ; and I sent them many different sections of the UCC that explains how the promissory note is legal tender. What I found to be ironic was, even though Regions refused to apply my legal tender towards paying off our mortgage debt, they kept my promissory note, which is unlawful, because the promissory note is equivalent to cash money, based on what the banking dictionary says in the XXXX addition by XXXX XXXX XXXX ; which is, the definition of money is a promise to pay, or to owe, because it 's not backed by gold and silver anymore. When Regions mortgage kept my promissory note, it was the same as keeping someone 's cash money and refusing to apply it towards their debt, and that is very unlawful! Also in the UCC, it states that if legal tender is refused, then the debt is discharged ; and according to XXXX XXXX, I am a XXXX with the right to use promissory notes with the banks ; and last but not lease, the Federal US court of appeals ruled on title 31 USC 5118, as of XX/XX/1977, legal tender for discharge of debt is no longer required ; that is because, legal tender is not in circulation at par with promises to pay credit. Requirement of repayment of debt need only be made in equivalent kind ; a negotiable instrument, which is what a promissory note. Also, Regions kept XXXX of my promissory notes that I sent them.
I do n't have any judgement in XXXX XXXX XXXX, MD in the amount of {$2700.00} as stated on my credit report reported by XXXX XXXX.
Loan payed by chapter XXXX my case is finished and closed loan was included!!! my balance is XXXX it appears XXXX I dont recognize!! I call my lawyer they say it should be removed!! Because is paid!!
TODAYS DATE : XX/XX/XXXXPLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX   XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE NOT MY ADDRESEES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).  You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I have never had a contract or agreement with Cavalry Portfolio Service. The company has not provided verifiable proof supporting validity of a debt they are attempting to collect on. Although Cavalry has failed to provide a copy of the complete account history, the original agreement, or any other adequate documentation confirming validation, their repeated attempts to collect on the alleged debt continue. Their collection appears on my credit reports along with a credit inquiry dated XX/XX/2017 that I never authorized or consented to. These appear to be violations under the Fair Credit Reporting Act.
The following company known as " Loan Me '' has be utilizing deceptive loan practices in effort to register and sign up clients. My husband and I each applied for a loan with this organization as we were advised that by taking out the loan it would be reported to all XXXX major credit bureaus. After several months of making our payments on time when we pulled out credit reports we learned that Loan Me was no where to be found. When my husband and I called to discuss the issue, we were advised by a separate representative that Loan Me only reports to XXXX. We XXXX complained advising that was not what we were told when we signed up and that we each had the intent on fighting them for deceptive practices. In return the representative on the phone advised it did not matter if we reported them as they did not have to adhere to Federal Banking Laws and that my husband and I had no choice but to continue to pay the loan. This is negligence as even in the contract listed is states the agency will report the the " bureaus '' not " bureau '' or even lists the bureau in which they plan to report too. During the signup process my husband and I were mislead into thinking we could use this service as a way to rebuild our credit and now are refusing to repay back this loan until this matter is investigated further for the gross negligence and misleading products and services being offered.
We had to declare XXXX in about XXXX or XXXX. We were then told to try to build our credit back up a little at a time. So, we took out some preapproved credit cards. Not realizing that the finance charges were so unfair. Then my husband was badly hurt at work. At about the same time. He is on social security XXXX. I have XXXX and it is well documented. Anyway, that was a long time ago. And I told them we absolutely had no money. The man on the phone cussed at me, he called me a liar and he sounded like I had taken money from him personally. Anyway I refused to make any kind of payment plan as we did not know what was going to happen to my husband. He could not ever be fixed. He can not read. He only knows hard labor and he can not do that. I only got my card because it was preapproved. It was Capital One XXXX. I tried to make payments to Capital One but simply was not able. Now, a place called XXXX XXXX XXXX XXXX has a lien on our place for almost 3 times what was ever owed. The info I have on them is that they can not make a living as real lawyers so they pick up these old debts and they try to scare you or badger you until you pay it. They are based in XXXX  XXXX, OK, XXXX. XXXX XXXX, XXXX phone # XXXX XXXX XXXX XXXX filled out the lien. XXXX XXXX XXXX, XXXX, # XXXX, XXXX XXXX XXXX # XXXX are supposed to be the lawyers. It has been so long since I even had a credit card or a bank account. I just want answers. I want to talk to the original place, Capital One.
I had moved to another city XXXX XXXX - XXXX XXXX with minimum U.S Bank branches. I had called to close my bank account with U.S Bank. The Bank continued to charge my account with bank charges and overdrew my account and sent my account to collections for {$80.00} even when my account had been fraudulently used.
I HAVE XXXX ACCOUNTS FROM THE XXXX XXXX XXXX IN MY CREDIT FILE FOR MORE THAN 1O YEARS THIS IS ILEGAL. I TRY TO MAKE A ONLINE DISMPUTE WITH EXPERIAN WITH NO RESULTS THIS IS MY INFO Experian credit report prepared for XXXX XXXX XXXX XXXX Your report number is XXXX Report date : XX/XX/2016 PLEASE HELP THSI RUIN MY LIVE THSI ACCOUNTS ARE PAID WITH A REFINANCE
I looked at my credit score on XX/XX/2018 through my XXXX XXXX XXXX. My score was XXXX. 
On XX/XX/2018, when I looked again my credit score was XXXX. 
I called XXXX XXXX and asked for an explanation. They could only tell my to contact you. 
I want to know how and why this happened. 
What causes a score to drop 28 points in less then 30 days.
Ally Financial continues to report unverified and inaccurate information to XXXX.XXXX and XXXX. I sent a letter on XX/XX/2018 asking for validation of this debt under the FCRA Section 623 ( a ) ( 1 ) ( A ). USPS certified receipt shows Ally received my letter on XX/XX/2018. After 30 days from the receipt of the validation of debt request, I received no response from Ally Financial. On XX/XX/XXXX I sent a follow-up letter demanding the inaccurate unverified information be deleted from my credit reports due to the violation of the FCRA Section 623 ( a ) ( 1 ) ( A ). USPS receipt shows Ally received this follow-up letter on XX/XX/2018. Again Ally failed to provide me any verification or validation of the debt as required by law but did not delete the information from my credit reports. My complaint with the CFPB and intent to sue Ally Financial is based on the blatant violation of the FCRA Section 623 ( a ) ( 1 ) ( A ) by ( 1 ) Failing to validate the debt in question while continuing to report to the credit bureaus. ( 2 ) Verifying an account with the credit bureaus before my request for validation has been completed. ( 3 ) Knowingly reporting inaccurate, invalidated information .Documentation attached.
XXXX mtg reporting account XXXX as XXXX owing and XXXX days past due. It reports open XXXX with no credit limit but a payment of {$260.00} and XXXX balance. I have never had an account with XXXX mtg with this information ... unsure if it 's error or somebody else 's account. needs to be removed from all XXXX major reporting agencies
For the last 9 or 10 months of XXXX, I have not been able to log on the Site of Of Capitalone. They claimed It was XXXX that blocked the site. I reached XXXX and they told me they are not blocking the site. I also asked the best Computer Scientist @ our University and they couldnt see anything in the Setting. So No Access to site, No permanent phone and No statements I am in the dark. I have requested statement for all 3 accts and its been hap-hazard. Some times I get one or more but when I do its very late and the due date is days away. Recent attempts to pay by phone ( Public Phone ) have also failed due to the Phone Voice telling me the Credit card number I have entered is NOT recognized. Several attempts Like this end in failure for me.
Calls to my references, threatening to take them to court and for depositions. harassing calls to myself
Lincoln Tech told me I did n't have to start paying my Federal student loans from 6 months from the date of XXXX XXXX when I graduated and Im already being charged to pay my student loans than they told me. Can you please have the courtesy of resolving this issue by calling me and fulfilling your promise of not charging me my student loan until 6 months from graduation?
My husband and I are applying for a mortgage. I froze my credit in XX/XX/2018 due to fraud on my account at that time. I tried to unfreeze my credit from XXXX and Experian. 

I was disconnected 4 times from XXXX and FINALLY was helped. They have now unlocked my credit. 

I have now been disconnected twice from Experian. There is no consistent way to contact Experian by calling a live, real person. This is discrimination against people who do not have online access. The online access account will not let me access my account, and I am afraid to create a new one because I don't want to mess anything up in the system. 

These agencies have incredible power over my life. It should not be hard for me to contact them, it should not be hard for me to freeze or unfreeze my credit reporting. The fact that these for-profit agencies can have impact over my life like this is ridiculous. They need to fix their system and let their customer service people know that they are to give customer service. I have been on the phone this morning for over two hours and my issue is still not resolved.
As a working mother, my family has banked with regions for several years now. I do n't recall them asking, but I know they switched our statements to online only, and we no longer receive paper statements. My husband nor I have had much experience managing finances and live paycheck to paycheck to make ends meets. Recently when I needed information, I found our online statements online ( not easy to find since I use mobile banking per the bank 's request ), and realized my family had paid the bank thousands and thousands of dollars in overdraft fees and fines each month. We barely get by as it is, and I was sickened to see that my trusted financial institution had not only been charging me multiple fees for single transactions, but allowed this outrageous amount of fees to be charged month after month. Never once did we receive any letters indicating we were incurring so many charges, never once did we receive a phone call and I honestly do n't remember even signing up for overdraft protection. I see now its a button you can click, but its not very clear and would be easy to click and forget about. The only time I recall intentionally signing up for any overdraft protection was when we had a savings account linked, which was closed years ago. I am now learning to budget and take control over my finances, but feel taken advantage of by Regions and feel it should have put a limit on the maximum number of fees, or turned off the overdraft service ( which I am not 100 percent certain I ever signed up for. ) In XXXX my family paid {$6400.00} in overdraft fees to Regions, in XXXX my family paid almost {$11000.00} in fees to Regions and in XXXX these past few months alone, we 've already paid {$4000.00} in fees. I will be moving banks in the near future to an institution that I feel is a trusted partner, and an institution that will counsel and advise families like mine, scraping by on how to better budget and manage finances. Instead I feel Regions robbed me blind and unfortunately I was not wise enough to realize it before now. Regions has not helped my family achieve our financial goals, instead they have stolen them from me and my children. There are weeks we scrape by to make ends meet, but that I now know is in large part to Regions deceitful and manipulative policies.
after living in a complex for 12 years, I made them aware that i was in the process of purchasing a home, i gave the proper notice of intent to vacate. upon doing so at the time i was turning in my keys i asked to do a walk through and gave my forwarding address and at which time the asst mgr stated he didnt have time to do the walk through. after i had moved out a year never received no correspondence pertaining to if any charges, upon checking my credit report after a year, i noticed a charge of XXXX for apt complex, i disputed it with the collection agency as well sent the complex notification and they sent a print out of what they said was owed which drop from XXXX to XXXX i then proceeded to ask what happened to my security deposit that was kept in an intrest bearing account, i asked them to calculate how much interest did it earn and give me a break down of such. after i sent notice to dispute, they contacted my Son sending him the same document with my name on it stating that it was his debt and placed the same amount on his credit report as well.
I have 4 inquiries that i tried to dispute over the phone with transunion and they do not want to help me disputing then I have called several times and told them i was a victim of identity fraud and to dispute my inquiries but they keep telling me no
On reviewing a recent copy of my credit report, I noticed a collection account ( XXXX ) listed for Fair Collections & Outsourcing. Evidently, the account was sent to FCO in XX/XX/XXXX. As I had never received any correspondence from FCO or the Original Credit regarding this account, this account may not even belong to me. 
As I am cleaning up my credit report and am unsure if this account is mine, I emailed FCO on XX/XX/XXXX regarding this account. Upon receiving my email, they simply sent me a letter ( which uses a name I have not used in approximately XXXX years ) with a balance owed, a date to pay by, and an indication they would mark the account as " settled. '' This is the first communication I received regarding this account and it only came after I contacted them. Also, in their letter, they failed to indicate a right to dispute.
Collection company refused to accept the payments that I 've been doing to the Dr.s bill department. They ignore the Dr 's agreement to lower the debt and payments the Dr. is accepting for 4 months. They reported to XXXX that I am not making payments. They refuse to send me information about payments that I owe to them.
In XX/XX/XXXX I sent up a repayment agreement for the amount of {$5.00} a month for 9 months to get my student loans out of default with a company called alltran education , inc. XXXX XXXX  XXXX XXXX XXXX Il XXXX fax XXXX they took all 9 payments which I can show proof of and my loans are still in default after they took the 9th payment in XX/XX/XXXX. I was specifically told by XXXX XXXX that once my 9th payment was made that my loan would be taking out of default and my taxes wouldnt be taking and they now have been taking for the second time. 
I filled my XXXX taxes and was supposed to be sent to my bank on XX/XX/XXXX and I called and was told they were taken by the department of education/ alltran when I called the offset IRS number last year they gave me the collection agency alltrans number to call I called and sent up this payment and have way threw around the 3rd payment they tried changing the amount when I informed them I was out of work due to having to XXXX  they never sent me any new paper work to fill out what so ever they just kept taking my money for the payments ever month.
Recently, I have applied for the program deed in lieu of foreclosure. HSBC has sent me the forms for the process. Again they are requiring forms that have not been sent to me.I wish they would send me all the necessary forms to complete this process. This is an ongoing problem with them. I need the following forms sent to me : 1. Authorization to disclose information form 2. Permission for entry into the Property form.

Can you please have HSBC send the forms to you and in turn to me.

thank you
Portfolio Recovery Associates was  notified by me on  XXXX   XXXX ,  2017  to settle this debt and a settlement was made to pay {$300.00} of the {$600.00} balance due . ( See attached PRA Letter ) The  {$300.00} was paid on  XXXX   XXXX ,  2017 ( see attached debit document ). Currently PRA has not honored the settlement. They are reporting a balance due {$300.00} to all  XXXX  credit reporting agencies. I have received no letter indicating this debt  is paid/settled.
I recently read about Citibank being fined for unfairly charging its customers for extra products and also for unfair debt collection practices. I had a card with Citibank for many years, the balance of which was supposed to have been paid off as part of my divorce proceedings in XXXX. In XXXX XXXX I went to the bank to find my checking account had been frozen due to a lien placed by Citibank. I was never served copies of a judgment or received any communication at all either from Citibank or its attorneys. Calls to the law firm are not returned and I can not get resolution. They recently placed another lien on my bank account. After reading about CFPB 's fine of Citibank, I would like to know how to find out if I am XXXX of the millions of consumers that were affected by their fraudulent practices.