WillisBack/dataset-financial-user-claim huggingface dataset:
The following is the email I received this morning CASE FILE # XXXX LOAN INFORMATION DUE AMOUNT- {$990.00} LOAN COMPANY- USA FAST CASH You are going to be legally prosecuted in the Court House within couple of days.. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter.? 


XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU UNDER THE DEBT COLLECTION PRACTICES Act, SECTION XXXX AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFER Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 


WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYMENT AND BANK ABOUT FRAUD. 


And once you found guilty into the court house than you have to bear the entire cost for this law suite {$5400.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n't afford then XXXX will be appointed to you. We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department at XXXX between XXXX to XXXX ( EST ). 


IF YOU HAVE ANY QUESTION OR QUERIES PLEASE FEEL FREE TO CALL US BETWEEN WORKING HOURS ON : XXXX USA.FAST CASH LEGAL GROUP OF ATTORNEYS XXXX Copyright ( C ) XXXX - XXXX USA.FAST CASH | Privacy | Terms of use
On XXXX XXXX 2017, this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec 809
I have spoken to XXXX about XXXX different hard inquiries on my credit report. They do n't seem to want to help me when I have asked them to provide paperwork or start and investigation to those inquiries. For example I had one XXXX XXXX XXXX Credit card ( which I have closed now, ) however, I have XXXX hard inquiries from them on my file which is outrageous. The customer service advisor and his supervisor were extremely unhelpful and would not assist me. Below are the following listings : XXXX XXXX XXXX XXXX : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Utilities & Fuel ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry :XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry :  XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance XXXX XXXX XXXX XXXX
I received a call from a lady I asked where shw was calling from she said D2 management. I am calling about a return check from XXXX XXXX. I advised her that debt was more than 10 yrs old I know that they are one of those comapnies that go thru old debt that has expired and try to collect. I advised her to remove my number and not to call again. She stated you know you owe it we are not going to stop calling. I advised her my husband just passed away this morning do not call here again. She states it does not matter we are going to keep calling I advised her I was going to report her and the company. She called from XXXX between XXXX XXXX/XXXX/2015. I called the number back .My husband just passed away this morning we called XXXX they rushed him to the hospital than pronounced him dead.
I have been trying to file a dispute with Experian regarding an inaccurate item on my credit report, but Experian will not accept the dispute saying it was previously disputed. I tried to upload additional documents to support my dispute, but their system keeps giving me errors, although it is the correct document format. I have had this issue with Experian time and time again. 
The item I am trying to dispute is the following : XXXX XXXX XXXX, Acct # XXXX ... 
This account is being reported inaccurately by XXXX on my credit report as a foreclosure or shortsale. This was a forgiven debt by XXXX in which they forgave the debt in a settlement with the DOJ. 
Experian needs to allow me to dispute this item, and they need to fix their website so that I can upload additional supporting documentation
subject : credit card would not help me with stopping a recurring charges of a scrupulous merchant. 
1 ) monthly charges of {$10.00} is being charged to my account and yet the credit card company keeps letting the merchant charged my account ; 2 ) even if i change the credit card number, the merchant will still be able to charge my account monthly ; 3 ) no matter how many times i called and no matter if i showed them the cancellation form that i got from the merchant ; my credit card would not help 4 ) this has been happening for the last 8 months.
I have XXXX installment loans with XXXX 's that were suppose to be 12 months no interest. I have made my month payments until XX/XX/XXXX I was n't able to make the payment so they gave me a deferment, without knowledge they are no charging me interest on those accounts. I tried contacting them and they said yes I 'm being charged interest now since I was n't able to make payment. I changed the address on the account to my current address however they would change it back to an old address. I never received any notices saying that the account would be charged interest now. Account # XXXX
The company XXXX XXXX XXXX ( ERC ) attempted to collect on an unvalid debt from XXXX for early termination fees that is over 10 years old. There was a class action suit filed in court in California against XXXX and the courts deemed it unlawful for them to charge these fees and as part of the settlement XXXX was to return money to consumers. ERC has placed this negative credit on my XXXX, XXXX and XXXX credit reports stating it is a valid and current debt, which is a lie! The have never contacted me because they don't even have my current address as I left the state of California 11 years ago. I disputed the report and they lied and falsely represented to XXXX this is current debt. ERC is not even part of XXXX they are an independent company that buys old debt, threatens and attempts to extort money from consumers. this website is one of many that shows complaints regarding this firm XXXX XXXX XXXX XXXX This company is lying and ruining my credit on 3 credit reporting agencies, please make them stop and clear my credit! 
Here is proof of the class action suit : XXXX XXXX XXXX California XXXX Early Termination Fee Class Action Settlement Class Eligibility If ( 1 ) you are the Account Holder and had a XXXX cellphone account for personal use, with a California area code and a California billing address, ( 2 ) you paid one or more XXXX flat-rate ETFs for an early contract termination that occurred on or after XX/XX/XXXX and on or before XX/XX/XXXX, or paid an ETF under a XXXX cellphone contract that was initiated on or after XX/XX/XXXX, and terminated on or before XX/XX/XXXX and ( 3 ) you submit a claim on or before XX/XX/XXXX, then you may be eligible to recover {$120.00} for each ETF you paid. 

Estimated Amount {$120.00} Proof of Purchase Cell # Claim Form Click Here to Complete your XXXX California Early Termination Fee Claim Form Case Name XXXX XXXX XXXX XXXX XXXX, Case No. XXXX Superior Court of California , County of XXXX Case Summary The settlement alleges that the ETFs XXXX charged to and collected from Class Members for terminated contracts during the class Period were unlawful under California law. The court was asked to prohibit the provided from charging ETFs In addition they requested the Court to refund to the members of the Class the ETFs that the Class Members had paid. 

Settlement Pool TBD Settlement Website XXXX California Early Termination Fee Class Action Settlement
I have asked XXXX XXXX on multiple occasions to stop calling my work cell phone. I get repeated calls from different numbers all over the United States and every time it is XX/XX/XXXX. Instead of stating who they are and they ask is this My name and put me on hold then attempt to coerce me into paying on the spot. I have tons of customers calling me on my cell phone as I am a XXXX XXXX yet half the time I answer it is Midland. This morning XX/XX/XXXX they called at XXXX XXXX as well as yesterday at XXXX XXXX. I have been working nights to help cover for XXXX at work. They woke me up this morning as soon as I went to sleep. This is repetitive and abusive and I believe falls against debtors protection laws.
Ally Financial has continually reported 30 day late payment for the past 90 days when we are current and on time with our payments. We have spoken to them more than several times to try and get them to correct their mistake with no result. Every time we speak to them we get the run around and they say they are going to correct issue but dont they post the following month too.
My name is XXXX XXXX XXXX, up until XX/XX/XXXX my XXXX credit reports where reflecting XXXX. I have been gone since XX/XX/XXXX thru XX/XX/XXXX, somhow transunion has let a creditor change to XXXX, I have submitted proof of my name to transunion. Drivers license, social security card, utility bills and divorce decree stating I get my maiden name back. As a creditor I feel I have rights that is not the case with transunion they told me that the creditor has to electronically file my name but they will not tell me who reported the XXXX name, but I have not had credit in that name since XX/XX/XXXX and transunion is in XXXX. I feel that consumers should have rights
On XX/XX/XXXX, I sent a letter requesting debt validation to Meade and Associates, a debt collection company. The original creditor is XXXX XXXX in XXXX, Ohio. I received a response back from Meade and Associates on XX/XX/XXXX with a statement attached to their letter demanding {$3100.00}. I noticed on the statement alleging that there were two columns - one for 'Debits ' and one for 'Credits '. There are items in the debit columns that show money owed to the school. However, on the last page of the statement, it shows on XX/XX/XXXX as the date that the last account activity occurred. Then on XX/XX/XXXX there is an 'account adjustment ' that appears out of the blue in the credits column in the amount of {$3100.00}. This would appear that I am owed the {$3100.00} or that the account was credited in that amount. I have serious reservations as to what this charge is for as it appears on the account, out of the thin air almost 16 months later. This seems like it was more of an 'account adjustment ' to put a little more coin in their pocket. Meade and Associates did not provide adequate validation of a debt and are reporting this debt on my credit files through the major credit bureaus. There is no financially sensible person who is going to pay that amount of money without validation. That is why financial laws, FCRA, and FDCPA exists. That is no different than a bank loaning someone {$20000.00} for a car and 16 months after the customer pays it off, creating some exuberant balance and telling the customer to pay it or it goes on your credit. XXXX XXXX has a history of this and if any research is done via XXXX and keywords ; XXXX XXXX, Payments, and Reviews, one would find a multitude of past and present students who claim to be scammed by this school. 

Furthermore if a debt can not be validated or is erroneous in nature than it is to be removed from the consumers credit files with XXXX, XXXX, and XXXX under [ 15 U.S.C. 1681s-2 ] FCRA Sect. 623 ( a ) ( 1 ) ( A ) ( B ) ( i ) which is stated as such : FCRA Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate.
XX/XX/XXXX, I received a letter from Citibank telling me that if I opened a new Citibank Checking Gold account I would receive XXXX XXXX XXXX AAdvantage bonus miles. I needed to open the account with {$50000.00} and use promo code XXXX. I was also required to make {$1000.00} in debit card purchases, and setup a bill payment for two consecutive months. 
I have met these requirements : the debit card purchase was completed on XXXX XXXX, 2016 for {$1000.00}. I made bill payments on XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 to XXXX. I had other bill payments as well, but this shows three consecutive bill pays ( exceeded the required two ). 
Upon opening my account, online, I chatted with a Citibank representative and asked why it did not ask me for my XXXX XXXX, the representative said it was not needed and that will be credited automatically when I met the requirements ( see enclosed ). 
On XXXX XXXX, 2016, I chatted with a representative at Citibank asking where my miles where because nothing had been credited to my account ( see enclosed ). The representative said they would do an investigation and it would take XXXX business days. After 4 days, on XXXX XXXX, 2016 I spoke to, XXXX, who said he did not know why I did not hear from them but he would escalate it and I would hear the next day. On XXXX XXXX, 2016 I called again, spoke to XXXX, and then I was told it would take some time longer because they were backed up. Called again XXXX XXXX, 2016, spoke to a gentleman and he said it would take 19 days to get an answer, and that no one told me it was XXXX days, even though as you can see I had this in writing. 
I called Citibank Executive offices and was transferred to XXXX at XXXX she said she had 14 days to research the problem and would get back to me. On XXXX XXXX, 2016, she called me and said that I would not be getting the miles because I was not eligible? I told her I had confirmed it on XXXX XXXX, 2016 and she said well that representative did not actually say you were getting the XXXX so you will not be getting any miles. However, as you can see from the attached transcript XXXX did say I would be credited automatically when I met the requirements. And my inquiry clearly stated it was about XXXX XXXX XXXX miles, yet XXXX says, no one ever said that. 
To date I have still not received my miles.
Nothing, no information about the debt was conveyed to me over the phone call by the alleged collection agency.
In XXXX 2016, I submitted a complaint related to a XXXX XXXX XXXX card that was used without my permission to purchase and reload dozens of XXXX gift cards. XXXX XXXX was nonresponsive. The CFPB contacted them and XXXX XXXX settled the account. I am now attempting to purchase a home and the late fees associated with these charges is majorly negatively impacting my credit score and subsequent interest rate on a mortgage. I have been informed that I need to make a complaint to the three major credit agencies to have this information removed to salvage my credit score. Please contact me as soon as possible regarding this urgent matter.
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XXXX XXXX  XXXX XXXX
I transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to Ocwen and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to. 

I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it. 

Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do. 


My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XX/XX/XXXX and was told it would be resolved in a few days My current mortgage company called them again on XX/XX/XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation.
I bought my first home a decade ago. At that time since I was given a XXXX ARM loan and the XXXX loan was a Line of Credit. After XXXX years I went back to Wells Fargo and asked them if they will allow me to have a 30 year loan so atleast XXXX years from the date of initial purchase and when I am XXXX years old the house will be atleast fully paid off and be mine completely. They sent me back saying you do not have enough savings, this loan is a different kind of loan that can not be refinanced. 

After that every year I have been approaching Wells Fargo to get me into a 30 year fixed interest loan they send me back with some reason or the other. 

This year I applied for a 15 year loan and I was again denied this time saying I do not have cash in my savings and checking account. 

The condo is worth {$680000.00} now according to XXXX ( which does not include the {$30000.00} of upgrades ). I owe about {$420000.00} to Wells Fargo today, started with {$490000.00} a decade ago. In XXXX years I have paid atleast {$200000.00} in interest to Wells Fargo. Have not missed a single payment ever. My annual salary is about XXXX now. I have about XXXX in my 401K. Still they denied me the 15 year mortgage and now I read in the papers that the interest rate is going up so the rate I was told I could have by Wells Fargo intially will not apply. So no way to own my house and in the future if I get a loan I will have to pay even a higher interest amount to Wells Fargo. 

It is Wells Fargo win win all the way. Even after me being a loyal customer, never missing a payment for more than a decade I can not still have a 15 year fixed mortgage loan on my house. 

Please help me CFPB. And thank you for listening to this plea.
I had a Macy'sXXXX XXXX credit card XXXX I was signed up to receive electronic bills through my bank. Macy 's stopped sending bills to my bank after my XXXX 2015 payment, but they did not notify me that they were changing their billing procedures. By the time I realized that I had not been receiving bills, the account was 3 months past due. I contacted Macy 's. They had no explanation, except to say that they had problems with their system. I paid off the account and closed it. I then contacted the Macy 's credit department to ask if they had reported my account as delinquent. They had and I was told that there was nothing they could do about it. Fortunately, I have excellent credit and it does not appear that this reporting had a negative impact on my credit rating. However, I feel that this whole incident was Macy 's fault for changing their billing procedure without notifying me.
I asked for my yearly credit reports from Experian, XXXX online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but XXXX XXXX, and XXXX stated they had been sent, but I never received them. Experian would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with XXXX, and they will not even let me see my report.
on or around last month i mailed experian the letter from XXXX XXXX XXXX  regarding a paided collection on my file acct. number XXXX ... ..the letter stated from the company stated paided in full. to this day it has not been updated and removed from my file.. also account XXXX from XXXX is not updated as in balance and last payment ..and also incorrect as far as late payments..no late should be listed..
Portfolio Recovery Associates sent letters to my home, I ask them to validate however they sent no original contract or anything with me opening up account with XXXX XXXX, just sent the amount they say I owe. They person called stated they from XXXX XXXX lies and told the person in the phone I can do a payment plan however they violated for one hownyou calling when I wrote to them my validation stated dont try contacting me they look my address up online and got the phone number its not my house its my friends house I use to reside in so why would they tell them I owe money to them and second it wasnt XXXX XXXX it was Portfolio Recovery Associates. They never sent a validation just old statements and nothing with my signature on it and I dont live in XXXX anymore I have moved to XXXX  so I will be calling contacting a lawyer under the FCRA they are required to show me a contract with my signature on it.
Under Section 611 of the FCRA, by Law I did n't receive a Letter Notification of Re-Insertion of Inquiries within 5 days or at all. I called Transunion in reference to their Error in their System and Customer Service did n't take care of it, help me nor Remove the Inquiries on my Credit Report. Credit Inquiries on Report : XXXX XXXX - XXXX XXXX XXXX XXXX, MD -XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX -XX/XX/XXXX I did not Authorize these Inquiries nor autograph my signature on an application to pull my Credit Reports.
CFPB Complaint  XXXX  was recently closed after the collection agency agreed to delete the  XXXX  items but only deleted  XXXX  of them.