WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX XXXX took a payment unauthorized from my BB & T account for {$44.00}. This made my account go into a negative status. At the time I figured my husband and I just had to deal with the mistake with the insurance company. This turned out not to be the case. BB & T put my prevuous debit transactions all out of order ( most that occurred on the XXXX ) and I was charged {$100.00} in overdraft fees and an overdraft fee for esurance. While I had the money for my other charges BB & T refused to refund me my money stating that 3 of my first charges posted after XXXX. My online account did not reflect this at  all. I check my account daily and multiple times. BB & T reordered my transactions from the highest to the lowest resulting in these fees ( with esurance being the highest ). Since then XXXX has corrected the mistake on their end and refunded the {$44.00} while BB & T have said that " if '' they refund my fees it will be up 5 days. They should not be allowed to do this especially with debit card purchases. Once the money is debited I cant touch it. Exactly why I chose to debit and keep an accurate account of how much I have to spend. I have further documentation on my purchases being jumbled up if needed.
McCalla Raymer Leibert Pierce, LLC and PROF-2013-S3 XXXX, by XXXX, as Legal Title Trustee has engage in unfair practice by violating the FDCPA 1692f ( 6 ) ( a ) by sending a Notice of Foreclosure Sale date XX/XX/XXXX 

Taking or threatening to take any non - judicial action to effect dispossession of disablement of property if - there is no present right to possession of the property claimed as collateral through an enforceable security interest. 

McCalla Raymer Pierce , LLC a law firm who regularly engage in consumer debt collection, who litigates on behalf of its clients who principle purpose is debt collection qualifies as a third party debt collector as defined by the FDCPA 1692a ( 6 ). 
XXXX v, XXXX, 514 U.S. 291 ( XX/XX/XXXX ). 

The law firm was retained by clients that are not creditors or lenders, but are portfolio XXXX debt buyers / debt collectors who acquired defaulted loans after or has been discharged in bankruptcy, then regularly attempts to collect these debts, who principle purpose is debt collection. And who collect debt owed to another. 1692a ( 6 ). 

The law firm and their client has engaged in debt collection activity while attempting to enforce a security interest they do not own.15 U.S.C. 1692f ( 6 ) ( a ). 

They provided no verifiable proof of ownership as requested and no evidence of a chain of title proving possession of the original document that authorize the law firm to initiate a foreclosure action. 

McCalla Raymer Leibert Pierce, LLC was sent a written dispute letter within the 30 days as required by the 1692g. The law firm has violated 1692g ( b ) by failing to provide the verified documents as required under the under the ACT and initiated an unlawful foreclosure action while continuing to attempt to collect a debt. Birster v. America Home Mortgage Servicing XXXX Inc., 481 Fed. Appx.579 ( 11th Cir. XX/XX/XXXX ).
In XX/XX/2018, I received a notification of a debt appearing on my XXXX, XXXX, and XXXX  files by a company named Waypoint Resource Group, located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The information was pertaining to a debt with XXXX XXXX XXXX for {$1200.00}. 

I immediately attempted to contact WayPoint Resource Group by  phone and email correspondence. The representatives stated that they couldn't find an account using my identifying information. I responded that they have placed a collection on all three credit profiles so if they can't validate who I am, then to remove it. The agency was unable to locate my account. Therefore, I resorted to contact XXXX XXXX directly and found out that the account that this company is claiming to collect was opened by someone using my credentials and that it had already been paid in full and that I have no outstanding debts with them.

Waypoint Resource Group is guilty of a criminal offense of deception and attempting to collect funds not owed. WayPoint Resource Group made no attempts to contact me by phone, mail or email, they don't even know who I am. I am requesting that civil penalties be assessed against this company and that they be investigated immediately. I am also requesting that the credit bureaus delete this false information immediately.
Multiple hard inquiries not recognized on my account- Contacted XXXX XX/XX/XXXX and XX/XX/XXXX and they advised they will not remove. I have been reviewing my credit report due to other errors and noticed these so i wanted to clear them up as soon as possible. I had advised them after research I became aware that they had a " inquiry breach '' within the past two years and they would not acknowledge it. These were recognized or authorized. 

Inquiries I requested to be removed : XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I have a Checking Account at Chase Bank. I was writing out bills in the beginning of XXXX and looked at my statement ( which I usually don't look at, I know that is wrong ) and I found that I had no money in the account. I had approximately {$13000.00} in there prior to this discovery. I went to my branch to investigate and they found that someone had made withdrawals starting in XX/XX/2018. Most of the withdrawals were done in the month of XXXX. Chase said they had footage of someone going to various branches and using a withdrawal slip and a fake drivers license. The License number was incorrect. They established that I had nothing to do with this fraud. After an investigation of approximately two ( 2 ) weeks, I received a letter saying that there was too much time elapsed and they could not give me any of my money back. Before I get a lawyer I wanted to see if your organization can check this. I was told by a lawyer that there is not a time frame and Chase told me there was a time frame of 60 days. That being said, the dates in XXXX of these bogus withdrawals, was less than 60 days so I don't understand why they are doing this. This is a lot of money and I will get a lawyer if I have to but if you can help me I would appreciate it.
ChexSystems continues to list fraudulent inquiries on my Consumer ChexSystems report that I have already notified ChexSystems were fraud. These inquiries did not start appearing until my wallet was stolen. Inside my wallet was my social security card, drivers license and even my email address. I did notify the police of this theft, and also created an FTC Identity Theft Affidavit which all consumer credit bureaus have as well as ChexSystems on file. Per the FCRA if you are victim of identity theft, and you present a identity theft affidavit to the consumer reporting company explaining the theft and they refuse to do clear any of the information you notified them of fraud. Then the company is knowingly allowing fraudulent information to be placed on my Consumer report. Let me list out some of the things ChexSystems has refused to block. 

1. Illegal Address reported by ChexSystems - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I have never lived at this address ever, and this has been listed on my FTC Affidavit. 
2. Illegal Address reported by ChexSystems - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 
3. Illegal Inquiries that ChexSystems continues to allow and actually place on my consumer report themselves. The company continues to violate the protection laws put in place to protect victims of identity theft. Per the CFPB if you are victim of Fraud and you notify the company of this illegal activity and the company refuses to block such fraudulent information you can then proceed to arbitration. I will be pursuing an attorney to then contact ChexSystems. 
4. Illegal Inquiries - XXXX, XXXX XXXX - I have reached out to XXXX XXXX, and actually had XXXX  block XXXX XXXX Inquiries on My XXXX  Credit report. Therefore XXXX XXXX has been notified that I did not allow or authorize XXXX XXXX to access my ChexSystems Report ever. This is again fraudulent. 
5. I do not have to legally have any law enforcement officer sign anything as I have already reported the crime to the law enforcement agency. FTC is a government agency which reports the theft and crime network for law enforcement officers. Additionally ChexSystem has allowed XXXX XXXX to inquiry and XXXX XXXX XXXX, They allowed XXXX XXXX XXXX to inquiry three times, They allowed XXXX XXXX Inquiry to go through even after stating they blocked this inquiry. They allowed XXXX XXXX XXXX, which they stated they removed, they allowed XXXX at least 15 times, They have allowed XXXX XXXX, XXXX XXXX XXXX. I did not authorize any of these inquiries these are fraudulent as a result of my wallet being stolen. I already reported this as identity theft, I have already placed a security freeze on my report. Please place a fraud alert and block this information immediately. I am forwarding this to XXXX XXXX as well for follow up.
On XX/XX/18 I discovered XXXX XXXX collections account had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

I took care of this almost two years ago. It was deleted from all 3 bureaus. This is fraud.
On XX/XX/XXXX I filed a complaint with you guys ( Consumer Financial Protection Bureau ) regarding PMAB and their continuous actions regarding unverified medical collections that they continue to place on my credit reports. On XX/XX/XXXX XXXX XXXX responded and stated that they are still working on the issue. He also stated that he saw that I had medical insurance and is now reaching out to their client. Well on XX/XX/XXXX PMAB has placed yet another collection on my reports in the amount of XXXX. PMAB has yet to clear up the discrepancies from my former complaint on XX/XX/XXXX. This company is ruining my credit and my character by placing these unverified medical debts on my credit reports. Their practice is outside the scope of the FCPCA.
very confused about this remark, progressive XXXX states that I owe XXXX and not sure why as I pay any balanced owed if needed. this was a total blind sided. I need this taken off my record ASAP. please help me on this issue.
I received an automated phone call from XXXX which stated to press 1 to speak to a person regarding debt. I reached a person XXXX who stated she was with XXXXXXXX XXXX XXXX XXXXXXXX company. She advised I had a debt with XXXX XXXX XXXX loan from 2012 for {$320.00} but with late fees and interest added on total owed is {$920.00}. When I asked her to verify the company address and or website so I could call myself before providing any credit card information she became rude and disconnected the call. I have received no further calls or any documentation in the mail advising of any past due debt or court documents of any legal action against me. I have paid my loan entirely with XXXX XXXX XXXX loan and owe nothing.
I represent buyers of a home owned CVF III Mortgage Loan Trust II ( hereinafter CVF ). CVF is the owner as a result of a large securities purchase from Ocwen Loan Servicing , LLC . As part of this transaction Ocwen must provide a quit claim deed to CVF that would provide CVF with the proper authority to sell the property to my client per the contract we signed XXXX/XXXX/2016. A quit claim deed was sent to Ocwen on XXXX/XXXX/16 for execution. As of today they have still not executed the Quit Claim Deed. My client was scheduled to close on XXXX/XXXX/16. As of the end of this week he has no where to live and was relying on the seller 's to provide clean title as of this date. CVF has been working diligently and requesting the executed quit claim deed from Ocwen daily for the last 5 weeks. Ocwen can not provide a reasonable explanation for the delay and is almost certainly in default of their contract to sell the security for not providing the Quit Claim Deed.
I had went under contract to buy a house. The sellers didnt inform the listing agent of liens on the house. So after 3 and half months of being under contract a company named " ocwen '' came in from no where and swooped up the house and auctioned it off. We gave them everything they needed to call off the sale. They didnt and we lost over a thousand dollars we put into this house. My loan was approved, the house was appraised, inspections had been done and a bunch of repairs had been made. They sold the house for XXXX less than they were getting from me. Im so frustrated. So is all the realtors and my lender. What should i do?
Yesterday I was contacted on my job by the manager of this location. Not only did they call but they called about six times. My coworker explained that it sounded like a child. Everytime she would put her on hold and I try and pick up the phone they would hang up. She was disguising her voice. I was able to take pictures of the time stamps of the caller id showing the calls and the time stamps. I went into the store to pay and the XXXX was saying that I owed XXXX. I gave XXXX XXXX. Once I got the receipt it only showed I owed {$540.00}. So I told them to give me my {$96.00} back. The manager refused. At this point I 'm not sure if this lady is trying to keep my money but how can you change me something that 's now showing on the receipt. I also asked for a print out of my payment history and was told I could not have that.
Over the past year there have been hard inquiries placed on my report that I did not authorize. After reaching out to the credit organizations they still have not fixed the problem nor deleted the requested information after several attempts.
The only reason i knew of this debt was in existence was when my bank account took a hit and was marked frozen. I was never contacted or pursued. They sued me in Nj. I was informed it was a XXXX account from XXXX acquired by them in XXXX. I was told that XXXX was a client of theirs and i would have to prove a case of identity theft and submit an affidavit of fraud, a police report, and proof or residency from XXXX - XXXX. I feel im being put trough a wild goose chase to prove this is not my debt. I have not lived in the state of Nj since XXXX. I find it is nearly impossible to provide such information.
During the time of XXXX XXXX and now we know XXXX XXXX since he presented a purchase agreement to XXXX XXXX in his handwriting and they alluded to XXXX XXXX at XXXX XXXX XXXX XXXX, mi XXXX and back at that time in XX/XX/XXXX and XX/XX/XXXX I made several calls and mailed you plenty correspondenced seeking answers about the supposed sale. 

Please provide answers in writing of the sale of XXXX by XXXX and his daughter XXXX XXXX both list on the covenant deed as husband and wife.
Experian alleges a verification of an account was conducted on XX/XX/XXXX and identified the source of information to be U.S. BANKRUPTCY - CENTRAL DISTRICT ( attachment # 1 ). My Experian consumer report generated on XX/XX/XXXX, identifies the source of information to be " Us bkpt ct ca XXXX XXXX '' ( attachment # 2 ). How can a different court be reporting ten days later if a complete and  thorough investigation was conducted? Also, the status date of the account reflects XX/XX/XXXX. If the account was verified in XX/XX/XXXX, the status date should reflect the XXXX date. 

On XX/XX/XXXX, I received a letter from Experian advising they would not reinvestigate this account without additional relevant information. This letter also identifies U.S. BANKRUPTCY - CENTRAL DISTRICT as the source of information ( attachment # 3 ). However, my Experian consumer generated report dated XX/XX/XXXX again reflects " Us bkpt ct ca XXXX XXXX '' as the source of information ( attachment # 4 ).

Today, my Experian consumer report also identifies " Us bkpt ct ca XXXX XXXX '' as the source of information ( attachment # 5 ). Experian has a obligation to conduct thorough, complete investigations. Additionally, the FCRA stipulates credit reporting agencies only report accounts that are complete, accurate and verifiable.
Equifax shows various inquiries and or accounts that simply are not mine or known to me as being done. The following is the information I have received via XXXX XXXX today, showing the hard inquiries and such which I know are completely theft and not by my own self/knowledge. This is ID Theft perhaps. 

1. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX 2. 
XXXX XXXX XXXX  XXXX Inquiry  from XX/XX/XXXX 3. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX 4. 
XXXX XXXX Inquiry from XX/XX/XXXX 5. 
XXXX/XXXX Inquiry from XX/XX/XXXX 6. 
XXXX XXXX - XXXX Inquiry from XX/XX/XXXX 7. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX 8. 
XXXX XXXX Inquiry from XX/XX/XXXX 9. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10. 
XXXX XXXX Inquiry from XX/XX/XXXX 11. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX 14. 
XXXX XXXX/XXXX Inquiry from XX/XX/XXXX 15. 
XXXX Inquiry from XX/XX/XXXX 16. 
XXXX XXXX Inquiry from XX/XX/XXXX 17. 
XXXX XXXX Inquiry from XX/XX/XXXX 18. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX 19. 
XXXX 's XXXX - XXXX Inquiry from XX/XX/XXXX 20. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 21. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX **This is highly frightening and alarming** please assist me in repairing whatever damage possible. Thanks much.
I have paid this debt, I pressured/threatened to pay the amount and was promise once I paid it, it will be removed from my credit, it is still on my credit
WAKEFIELD COLLECTION/CHARGEOFF Other {$81.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$81.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX
Yes we my wife bought a car and in order for her to get the car I had to sign in on the note as well. Right now we are separated and have been for a year she got a rent house to stay along with my son and I 'm paying child support as state order we both had jobs that downsized which changed our income tremendously and I 'm staying with my sister and husband. Now I 'm trying to get a place for myself to live but GMAC has a suit on me and I was denied a place to live because of it with no idea of the suit.My name is XXXX XXXX XXXX, XXXX ... XXXX XXXX XXXX XXXX XXXX, Texas XXXX ... XXXX ... ssn XXXX. But the return on the automobile was vouluntarily on my wife part because she got a better car for the prices and it was stated to her to do that..my its affecting everything I want to do..it just killing me to get ahead here.
I was charged a late fee on XXXX/XXXX/2015 & XXXX/XXXX/2015 of {$35.00} each that were supposed to have been removed & credited back to my account. When I pay over the telephone I 'm told the payment is processed on time yet I get charged a late fee anyhow. When I 'd contact customer service within a couple days of this happening I 'd be assured the late charges would be removed & credited to my account. But this is n't always the case. Because I 'm recovering from a series of procedures I 'm unable to keep as close of an eye on my account. The last time I contacted customer service I was to told the charges were too old to be taken care of. Yet it was the credit card companies fault they occurred in the first place & not properly taken care of.
I spoke to your company before and informed you that I am in dispute with the medical service provider and that you needed to validate this debt but it appears you have refused so I am sending this letter to you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you : What the money you say I owe is for ; provide a detailed, plain and simple list ( not coded ) of any and all services or goods you claim I received a line by line itemization of charges ; 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 ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. 

If you have I demand you send me a deletion letter today until such time as this is resolved. I have my phone records to prove I have spoken to you and made this same demand verbally. This would be construed as knowingly violating the law. 




Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist including any reporting to any credit reporting agencies. 



Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be  done in writing and sent to the address noted in this letter. 



This is an attempt to correct your records, any information obtained shall be used for that purpose.