WillisBack/dataset-financial-user-claim huggingface dataset:
Lawyers at this law firm ( XXXX ) sent me a letter stating they were hired by this bank ( XXXX ) to prosecute legal proceedings to enforce the security interest, collect a debt on my mortgage. and filed affidavits in court declaring they were hired to collect a debt for this bank and filed an foreclosure in the banks name. This bank never had a loan on my property because it was paid out before the banks merged. About two years after contacting the bank the filed a affidavit stating the bank did not hire nor pay this firm to file the foreclosure. Once I contacted the bank the firm tried to get it dismissed and erased from record.
I have paid this bill in full $ XXXX.I have not paid this bill because. This money from a credit card upon in XXXX to XXXX in XXXX, was paid by the insurance that I had within my card in case of unemployment or loss of income. Insurance payment in full the entire amount of money. This card is secured with XXXX insurances, XXXX and XXXX. The XXXX sold it without telling me to " XXXX '' and they sold it to without information. In XXXX " Asset Acceptance , LLC ''. The XXXX did not act in good faith.XXXX Account # XXXX.was paid by the insurance that I had within my card in case of unemployment or loss of income. The Insurance payment in full the entire amount of money. The XXXX sold it without telling me to " XXXX '' and they sold it to another company without information I have is happening. In XXXX " Asset Acceptance , LLC '' buy this debt without having a legal document, there is no legal or original contract between them and me. and they an tried every possible illegal methods phone calls at all hours and on weekends, they took the case to court without telling me, sending letters to an address where I do not live ( to the court XXXX ), now they still call my employer and have filled documents cut without my presence or my knowledge, they are forcing my employer to collect my salary money they ask to pay that debt. Now my employer is giving me a finalized to leave my work because of this problem. Please take many years with this harassment, for a debt that I do not owe, and this account was paid, I lost my marriage for this reason and my work too, my daughters and I are suffering for this reason, please end this problem. Now they have XXXX companies trying to collect this money. " XXXX '', " Asset Acceptance , LLC '' and Midland Credit Management. Inc .I needs help, I do not know what to do, and I 'm desperate, please First. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay " Original Documents and my signature ''. Federal Trade Commission ( FTC ), Fair Debt Collection, Practices Act ( FDCPA ), 807, 15 U.S.C. 1692-1692p-1962e. 
Second. Never served with a Notice of Entry of the Judgment " Notice to Appear '' : I was never served the court notice. Fla. Stat. 48.031 ( 1 ) ( a ). I have never been given the opportunity to be in court when decisions have been taken in this case, I have not had a single hearing in order to know what the whole matter is. Under the constitution and the laws, I have the right to be present in the court and to know all for this problem. REQUEST FOR HEARING.- ( court XXXX ).
US Bank placed an unauthorized inquiry on my credit report XXXX. I never made this inquiry and I never applied for this card. Why and how is this on my credit file?
Filed Chapter XXXX Bankruptcy XXXX XXXX for 5 years. Student Loan included in Bankruptcy, balance {$27000.00}. Bankruptcy paid {$7000.00} over 5 years. Balance was {$20000.00}, XXXX XXXX. FAMS started calling me 1 week after discharge, saying I owe a total of {$30000.00}. I said could not be right Bankruptcy paid {$7000.00}. They said since they had it its finance and interest, so the Bankruptcy payments vanished, was not applied to the balance or they added money to the balance to bring it back up. XXXX from FAMS stated if I get in their payback program they will waive the finance and service charges. I have to pay a certain amount each month for 9 months. I had the payment come out of my bank account on the last day of the month, each month. XXXX XXXX I get a call from them stating my payments are not clearing that I will be put out the program and they would have to garnish my wages. I said NO NO that 's not possible, my statements show each month you received my payments. I had to send them a copy of my statement showing where the payments were going to FAMS. I did that but it was n't good enough. Talk to a Supervisor, she said she use to the banking world and she would need to see my entire bank statement. No you do n't, you do n't need to see my other transactions only the transaction that pertains to you showing where payment was made and cleared. They would not credit my account of the XXXX payments made to them, they want to set me up in the program again. I do n't think so, you took my money before, you will do it again, I will consult my attorney.
Everytime i come to  bank of america  on  XXXX  i have to wai t 30 min i nside when a particular teller is working. Someone needs to close this branch down. I have heard several people complain about this bank. None of those describe my issue ... thid teller is either accepting a money truck or its another customer  w an iss ue ...
XXXX, XXXX  and Equifax will not show me proof of validation of a bankruptcy showing on my credit file. I have disputed with all 3 bureaus multiple times and they still will not show proof. And I need something done about this especially when they will not validate proof
XX/XX/2012 my account reflects 90 days past due XX/XX/2012 my account reflects 120 days past due This applies to both loans. My account was current and no past due as reflected.
I have been contacted multiple times by a collection agency that goes by XXXX separate names ; Central Financial Control & Syndicated Office Systems. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in north XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a XXXX. Attached are my letters my Ftc partner told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX
In XXXX 2015 I received a letter from a collection company regarding a bill for ambulance service with the City of XXXX. I offered to set up monthly payment arrangements of {$30.00} a month and the balance was {$250.00}. I gave them my banking information to debt my account each month for {$30.00} until the balance was paid. The agreed that this payment arrangement would avoid the account from being reported to the Credit Bureau ( s ). I never heard anything else from the collection company. I received an email that I had a change in my credit report and discovered that, despite our agreement, they reported the account to XXXX. I called the company and they were not willing to remove the negative reporting on my credit report.
Portfolio Recovery, Colorado? Collection Agency, asked them to send me snail mail about account. XXXX XXXX persists in calling and not leaving messages. I told him I was hard of hearing and could n't talk but should have gotten his address and contact info, but hung up on him. Persists in not telling me what account he is trying to collect both on phone and in mail. The credit card company is supposed to contact me and tell me what collection agency is being used. I never got one for this collection agency. Also, if the credit card company is going to have this on my credit report I should be able to pay them and not a collection agency.
I was not notified of this debt properly. Pressler and pressler forged my signature stating I received a copy of the judgement when in fact I did not. They levied on my bank account, I went to court and got the judgement vacated and my money returned. I wrote them the 1st cease and desist letter, asking them to not contact me other then in writing form. They broke the law by calling my significant other and my self after we both requested not be contacted other then in writing, and admitted to in a letter apologizing about them contacting me. They also broke Federal Law by trying to collect on a debt that 's not owed to them and using the US mail system and court system to do their dirty work. They have not specifically proved their debt with any agreement that I entered into with because I have not. They have not proved their debt purchase because the debt was illegally purchased for pennies on the dollar.
Hi my name is XXXX, I have been in contact with a company called Kentucky Higher Education assistance authority, This company has used every deceptive skill available. Whenever I would ask for verification into what company are who I was dealing with, I was always given misrepresentation and received some form of harassment. I still do n't know if the company is a collection agency or are they the XXXX XXXX. I feel from the deceptive forms of communication I have received from this company is brutal and unfair. I reached out to this company after receiving correspondence about a student defaulted student loan. Once I asked them to verify who I was sending information to, I was held in contempt for refusing to verify demographics. From my understanding of the law this company should not have been able to proceed with wage garnishment if I was working with them to rectify the problem. They constantly harassed me with threats of wage garnishments and said that my income tax was due to be garnished as well. The more information I sent this company, the more information they used against me. I worked three extra trips in XXXX to be able to pay off classes at XXXX XXXX in XXXX of XXXX. So, I could continue taking classes in XXXX. My wages was garnished for XXXX on the XXXX of XXXX and on the XXXX of XXXX a total of XXXX or more. I cant understand why I did not receive a thirty day notice stating the exact dates the wage garnishment would go into effect. I also cant fathom that this company still has n't told me if they were working on behalf of a collection agency or a private student loan company.., or the XXXX XXXX. I reached out to the XXXX XXXX for assistance and ask if they could contact me if they were indeed the XXXX XXXX. I never heard back from XXXX XXXX XXXX. I was asking for assistance in seeking out information into whom or what company I was dealing with, however I did hear back from XXXX XXXX once I faxed my personal information to Kentucky Higher Education Authority thanking me for submitting my information to him ( supposedly the XXXX XXXX ). I replied back that I did not send them information, however, confused still. This company XXXX  XXXX has violated so many of my rights. I also cant believe how the XXXX XXXX could form an in-biased opinion if they are working for or with the legal team for XXXX. I asked if this was a private company how come I was n't issued a court date or judgement. I guess since I do n't know who I have been dealing with from the start I started looking for legal counsel.
I have sent  XXXX  certified letters to each reporting credit bureau agency Equifax,  XXXX , and  XXXX  on  XXXX  separate occasions to dispute an inaccurate  Public Record  being reported on my credit report. I have been totally unsuccessful in having this inaccurate  Public Record  information removed from my reports. Every written/certified request to have the item removed comes back with the explanation the item has been verified and/or verified as accurate. If this is the case, why not supply me with the proof as requested in my letters? Because they can not. I feel my RIGHTS as a consumer have been Violated. This inaccurate  Public Record  is making it difficult for me to obtain the proper credit, decent interest rates, approval for housing, etc ... As a consumer, I have the right to have my credit report accurate information without error. I am asking for your assistance to have this  Public Record  removed from all  XXXX  of the credit bureau reporting agencies.
I have had my home mortgage with wells fargo for many years. I always paid my taxes and insurance seperate. for several years now they are charging me XXXX a year escrow. Why i have no idea.
Citibank is refusing to pay out advertised promotion ( XXXX ) of {$400.00} for opening a new account, despite offer terms being met. 

Citibank states that the minimum balance requirement was not met for the stated terms. It only dipped under for a couple of days due to an erroneous account maintenance fee charged by Citibank, which I had to inquire about and have subsequently reversed by Citibank. 

I have called customer service numerous times and have not gotten anywhere, including a call with a 'manager ' on XX/XX/2018 in which he stated my dispute was re-submitted for review. Upon calling on XX/XX/2018 for a status update ( the date the manager had asked me to check in ), I was  informed that there was no record of the case being resubmitted. 

Would be happy to provide full account statements as proof of the terms of this offer being met.
To Whom It May Concern : I received a copy of my credit report and am FOR THE 3rd TIME disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # Reason for Deletion XXXX State Error. Not Reported by XXXX. Vacated/Dismissed. w/o Prejudice. 


According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

I am also requesting a full explanation of why this reinvestigation/Equifax has violated the Fair Credit Report, in that this investigation has taken WELL OVER 30 days. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report,  which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
In XX/XX/XXXX, the company I worked with for 6 years closed its doors. I was unable to obtain comparable pay for about 20 months. In XX/XX/XXXX, I obtained permanent stable employment and was told by the mortgage company that I could not file for a loan modification until XX/XX/XXXX. In XX/XX/XXXX, the foreclosure petition was filed by the mortgage company. 

During the foreclosure process, I was told by the mortgage company that all forms of communication had to go through the attorney. So I submitted the loan modification paperwork on XX/XX/XXXX via the foreclosure attorney. Summary judgment was filed on XX/XX/XXXX. I finally received an email from the foreclosure attorney on XX/XX/XXXX indicating that the " the documents I submitted are still under review ''. See " email regarding loan mod '' attached. This action is in violation of the CFPBs Prohibition against dual tracking because the foreclosure attorney proceeding with foreclosure while under review for a loan modification. 

Also, the mortgage company has not been able to produce a true, valid and original note and mortgage. The note and mortgage attached to the Foreclosure Petition ( see attached ) is different from the mortgage and note submitted with the Summary Judgment ( see  attached ). Since the mortgage and note are fraudulent and the mortgage company is unable to foreclose if they are not the holder of a true, valid and original note and mortgage.
I am a senior citizen and on XX/XX/XXXX I decided to go to my bank 's website and take a look at my recent checking account transactions. I noticed one ACH transaction on my statement that I was not familiar with ( XXXX ) in the amount of {$17.00} and called the telephone number included with the transaction to try and get more information. I was told that they are a " Hospital Accident Protection '' insurance company ( XXXX XXXX ) and worked with my bank ( Regions ) to offer me a policy with this company in XX/XX/XXXX. I would never agree to accept such a policy nor would I agree to have monthly debits ( {$17.00} ) made from my checking account to pay for this. I told the person on the phone that I never agreed nor authorized their company to give me a policy or withdraw {$17.00} each month. I asked what her name was and where they were located and she replied that they were in the XXXX and she offered to cancel my policy and send me a letter confirming the cancellation. I said I wanted my money back for the last 44 months they have been making unauthorized monthly debits and she said she would also send paperwork to arrange for the refund. I then called my bank ( Regions ) who researched this so called affiliation to offer policies to their bank customers and the bank could not find any information nor could they confirm that I was offered and accepted this policy. After explaining that money has been fraudulently deducted from my checking account since XX/XX/XXXX they said they would explore the matter further and possibly refund for only the last two ( 2 ) years. They will notify me when a determination is made.
I have sent several certified letters to equifax, XXXX and XXXX multiple times asking them to verify this chapter XXXX bankruptcy information in my credit report. Each time they send me a letter stating that the BK is valid as per third party source. I then sent a letter asking as to whom they received the information, again I get a letter back stating a third party source. I then contact the court system, they tell me that they do NOt. Report anything to the CRA and nobody called them to verify any information! I want this acct removed from my reports immediately as they did not follow the fcra!
I disputed a collection account on my credit report from a previous apartment I leased. IQ DATA INTERNATIONAL purchased the debt. I contacted IQ DATA INTERNATIONAL through certified mail requesting the account be deleted with pictures of the property. I also requested if the account was not deleted i wanted verification receipts from the repairs made. Several days after the letter was sent i contacted IQ DATA INTERNATIONAL by phone. They said they did not have to provide receipts. They have failed to supply my requests or delete the account. 

I have attached the certified letter sent XX/XX/2019
Calls from multiple lines, sometimes multiple times a day. They leave voicemails when there is an option with no content -- completely silent. There was no type of identification at all. At one point, my voicemail was completely full and could not accept new messages because they had left so many blank voicemails. I instructed them to stop calling and communicate via postal mail and the phone calls continue.
XXXX points were deducted from my credit score once again by Transunion and XXXX in regards to my Federal school Loans. Each account drescribed my Point deduction to be because of a minimum Balance increase on 4 of my XXXX accounts I have received no notification of such action.
I CALLED AND SPOKE WITH A REPRESENTATIVE FROM XXXX XXXX XXXX, XXXX XXXX, AND XXXX TO DISCUSS THE ( XXXX ) 30 DAY LATE REPORTED TO THE ( XXXX ) CREDIT BUREAUS. I WAS OFFERED A PAY AND DELETE AFTER FULL BALANCE WAS PAID OFF FROM THE XXXX XXXX. XXXX STATED THEY WOULD TAKE CARE OF IT AFTER REVIEWING MY HISTORY OF SEVERAL YEARS IN GOOD STANDING. XXXX XXXX OFFERED TO DELETE AFTER EXPLAINING THE XXXX THAT CAUSED THE LATE. I CONTACTED BOTH COMPANIES AFTER PAYOFF AND THEY STATED THERE WERE NO NOTES OF ANY CONVERSATION AND DID NOT REMOVE NEGATIVE REPORTING.SEVERALH UNSUCCESSFUL DISPUTES WERE MADE THROUGHOUT THE YEARS. I REQUESTED INFORMATION OF CONTACT PERSONS THAT I PROVIDED WITH NAMES, DATES, AND TIMES I SPOKE TO EACH COMPANY REPRESENTATIVES. THE CREDIT BUREAU NEVER REPLIED WITH ANY RESPONSE TO THE CONTACT PERSON AND HAVE DISREGARDED ALL REQUESTS MADE CONCERNING MY ISSUES. I DO N'T THINK THE CREDIT BUREAUS INVESTIGATED THE CONTACTS THAT I PROVIDED. THEY INFORMED ME THEY DO NOT GIVE CONTACT NAMES TO CONSUMERS AND THEY WOULD SUBMIT THE DISPUTE INFORMATION ELECTRONICALLY. THE BUREAUS HAVE FAILED TO REMOVE OR DELETE THESE ACCOUNTS. PLEASE HELP ME IN CORRECTING THESE ISSUES.
On XX/XX/2018 I made a withdrawal of {$200.00} at the counter from my checking account knowing my balance was {$1200.00}, this took place at bank of America. Then on the XX/XX/2018 i went to another branch of bank of America to make a withdrawal and got to find out the money in my account was insufficient which was a shock to me and after explaining to the clerk i was expecting to have {$1200.00} in my account. Then he printed out my bank transaction history, which was wrong and told me I had to go back to the bank where I made my last transaction of {$200.00}. Which I did on that same day but when I met with the manager and made my complaint, I was told I needed to come back in two weeks time because they had to do some internal investigation. Then I went back after two weeks and met another lady by the name of XXXX XXXX, but she said the investigation was still in process, gave me my case ID and extended the date to XX/XX/2018. So i went back on XX/XX/2018 but got the same answer that my case was still in process. Then I tried calling Bank of America on XXXX and after some couple of weeks nothing has been done and no one has gotten in contact with me.
XXXX XXXX, XXXX Consumer Financial Protection Bureau I am writing to notify of an issue I am having with the Kansas XXXX XXXX Department. 
I filed a complaint XXXX XXXX XXXX with XXXX XXXX, against OCWEN Loan Servicing. I was told this process will take approximately 100 days. I was also told there would be a consolatory process to see if an agreement can be reached. I told XXXX HUD we did not want a modification agreement from OCWEN, because we originally requested a modification XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and we still have not been notified of the investigation start date. To say that this has really gotten " Long in the Tooth '' would be an understatement ... 
XXXX XXXX has been unable to give us a timeline for the investigation. XXXX XXXX has been manipulated by OCWEN to attempt to strong-arm my family into a several modification agreements. I am requesting remedy under the {$25.00} XXXX XXXX XXXX XXXX, which OCWEN is XXXX of XXXX defendants. Your oversight for this process would be a Blessing. 
In your service, XXXX XXXX XXXX, XXXX. & XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PS : We have complete email documentation to support all the above