WillisBack/dataset-financial-user-claim huggingface dataset:
I cancelled my membership at the XXXX XXXX XXXX months ago, I paid off the remaining month and was told leaving out of there that I had no worries remaining on my account. However, fast forward a few months later and I receive a notification through my credit tracking app that a new account is in collections for {$140.00} and it is pertaining to the membership I had at XXXX  XXXX. I call the local XXXX  and am told I have been sent to collections and that they can not assist me, that I must call the collector. I called XXXX XXXX XXXX and they couldnt even find the information pertaining to my account, it took a floor supervisor 20 minutes to be able to pull up my information from which they could provide no dates or reason on why I owed this money. I received no notification from XXXX  XXXX  about outstanding debt, if I wouldve I would have paid it immediately. I am rather surprised that this would occur, as my relationship with XXXX XXXX had been great up until then now I have a collection account that is unfairly hurting my credit score. I have no answers to why I owe this money if I had cancelled my membership, to why I wasnt contacted about this money in the first place, and to why I am suddenly in collections. I also contacted the billing agency known as XXXX XXXX  XXXX   and they declined to give me anymore information stating that it was already sent to collections. I deserved to be notified first by this billing agency per the FCRA that I owed this money prior to it going to collections, which I was not. This is a disparaging to say the least I don't know how XXXX XXXX XXXX can try to collect a debt that is invalid and not owed in the first place. However, their simple way of continuing to collect the debt is by saying, '' we are only a 3rd party collection agency and have no jurisdiction over the initial process between the debtor and consumer ''. It't unethical for them to behave with these business practices.
XXXX XXXX claimed I own the debt of {$1700.00} to it. I have reason to believe I do not owe this debt because the debt is not valid since XXXX XXXX violated my consumer right of being informed pursuant to Consumer Bill of Rights. XXXX XXXX did not give me the facts to let me make an informed choice when XXXX XXXX changed my plan from {$49.00} monthly charge of unlimited monthly kilobyte to the new XXXX Plan XXXX XXXX. The charge of {$1500.00} that would incur from switching to the new plan at the beginning of the current billing period was not disclosed to me when I was offered the options of switching to the new plan either at the beginning of the current billing period or at the current date during the transaction with XXXX XXXX. Therefore XXXX XXXX has failed to inform me critical information when I was making the purchase decision, and violated my consumer right of being informed.
Our original mortgage had the wrong property city and zip. Original mortgage had property city as XXXX and zip as XXXX. We recently received a loan modification and the loan modification contained the correct property city and zip. According to our Servicer, Ocwen Loan Servicing , LLC, the entity that currently owns the account and holds the note is XXXX BankXXXX as Trustee for Option One Mortgage Loan Trust 2006-1, Asset-Backed Certificates, Series 2006-1, XXXX XXXX : XXXX, XXXX, MD XXXX. The new modified loan balance has been reported and reflected in the trust, but the property city and zip are still incorrect.
XXXX & Experian has different information regarding this charge off. This account was closed twice once in XX/XX/XXXX and XX/XX/XXXX according to Experian. XXXX only has record of it being closed once. I'm not sure if they both have the same charge off date but Experian reported XX/XX/XXXX as the final charge off. They both have inaccurate information regarding this debt.
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 60 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
BB & T improperly denied our repeated request for modification never providing any tangible evidence or explanation as to why. They then took advantage of us with servicing shortcuts and unauthorized fees. They failed to promptly and accurately apply payments made, and charged unauthorized fees for default-related services resulting in a huge amount of accumulated fees, penalties, and interest. They deceived us about foreclosure alternatives. They failed to provide accurate information about loan modification and other loss-mitigation services, they also failed to properly process our applications and calculate our eligibility for loan modifications on XXXX separate occasions. They provided false or misleading reasons for denying loan modifications. They threatened and engaged in illegal foreclosure practices. They provided false or misleading information to us about the status of foreclosure proceedings where we were in good faith actively pursuing a loss mitigation alternative also offered by them. 
I believe they have realized their mistakes because just recently after refusing to grant our requested modification for the third time, they somehow added my name to the mortgage and approved it for modification. They had previously turned it down even though our circumstances with income and debts were the same or even better. When I asked why they approved it this time after the previous denials they told me that maybe the guidelines had changed. They could and would not send me anything in writing explaining why it had been previously denied but was now approved. Can they just add my name to the mortgage? If so, why did n't they do this on our prior attempts at modification? The process took over 6 months each time we applied for modification and has caused an accumulation of over XXXX in late fees and penalties. We are currently in a chapter XXXX bankruptcy and we are waiting on the court to approve the modification inside the BK. During the previous attempts at modification they would never provide any concrete explanation of why we were being denied. The modification is still higher than our initial payment was by approximately XXXX to cover all the accumulated interest, fees, and penalties. They should n't be able to get away we should be made whole even to the point of having the mortgage forgiven and receiving a sum over and above for damages.
There is an old XXXX account showing on my Experian report that should have been removed. The date of default was XX/XX/XXXX, and it was sent to XXXX XXXX for Collection and then settled in XX/XX/XXXX and I have documentation of that transaction. I live in NY and it is my understanding that there is a 5 year purge rule for paid collections/charge offs. I have unsuccessfully tried to have it removed by calling Experian, XXXX, and XXXX XXXX. A couple of days ago XXXX dropped off my report, but the XXXX is still showing.
Transunion is releasing my credit bureau to individuals who do not have a right to access my credit. They 're then reporting this an an " inquiry '' that affects my rating. Furthermore, they are also reporting and account I never opened, authorized, or used. The improper data is as follows : XXXX I never opened, authorized, or used this account. The following inquiries were not authorized by me and are not as a result of fair use : XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
My husband transferred from XXXX XXXX XXXX XXXX to XXXX XXXX  to enable us to pursue degrees at the University of XXXX. After we completed our XXXX degrees I got a XXXX  XXXX   XXXX XXXX XXXX XXXX in XX/XX/XXXX, and my husband got his XXXX XXXX XXXX in XXXX  in XX/XX/XXXX. 

In XX/XX/XXXX, to simplify our bills, we consolidated our student debt into a FFEL loan. The loan was in both of our names, which at that time was allowed. 

When the Public Service Loan Forgiveness Program was announced we contacted our servicer and were told we had everything in order to have the debt forgiven. Every so often we called, and each time were told we were on track to have debt forgiven. 

Fast forward a few years. Our children attended college, and again we had multiple places where we needed to pay for student loans. We decided to consolidate our debt. We filled out the paperwork, but were told if we consolidated we would lose the ability to have any of our debt forgiven. We cancelled the consolidation.

Recently we realized we had made the required 120 payments and filled out the paperwork to have the debt forgiven. We received a response that no debt could be forgiven because we had the wrong type of loan. 

Disgusted, we decided to consolidate into a Direct Loan and try again. That was when we were told that it wouldnt work because my husband was not listed as the holder of the loan. All our student loan debt had been shifted to me, and I dont qualify for the Public Service Loan Forgiveness Program.

To be clear, my husband XXXX  from the military with 20 years of service, which included quite a bit of time in XXXX XXXX. In addition, he has 17 years of XXXX, most of that at a XXXX XXXX XXXX.
I have American Express XXXX XXXX XXXX credit card and American Express XXXX XXXX   Surpass credit card. I got an promotion offer from American Express on both of the cards to add authorized cardmembers to my account and earn points. The offer details are : XXXX  card : earn XXXX bonus XXXX for each of the first four new Additional Card Members that spend {$1000.00} or more on the card, up to XXXX points in total. XXXX card : earn XXXX bonus XXXX XXXX points for each of the first four new Additional Card Members that spend {$1000.00} or more on the card, up to XXXX points in total. 

I added 4 additional card members to both of my XXXX and XXXX card back in XX/XX/2017, and all of them completed the spending requirements. But till now, I only got XXXX bonus XXXX, and XXXX bonus XXXX points. I should be getting XXXX more Starpoints and XXXX more XXXX XXXX points from this promotion offer. 

I have called American Express multiple times ( 10+ times ) and every time the customer service told me that I should get those bonus points in 2 weeks, in 6 weeks, or a supervisor will call me to resolve the issue. But it's been 6 months now, and I still haven't got the bonus points.
Faxed and called all 3 credit reporting agencies with proof of paid in full statement from creditor. However credit reporting agency still have not corrected information.
I submitted a payment to Conn 's of {$830.00} when the balance on the account was {$770.00}. I inadvertently submitted a second check for {$770.00}. 
Conn 's confirms the received payment of {$830.00} on XX/XX/XXXX and the check for {$770.00} on XX/XX/XXXX. I have contacted Conn 's regarding the over payment of {$830.00}. They promised on XX/XX/XXXX to look into it and get back to me. I heard nothing. On XX/XX/XXXX one of their agents XXXX said they were still investigating but confirmed the over payment. On XX/XX/XXXX at XXXX manager XXXX ( XXXX ) promised to contact me on XX/XX/XXXX with updates.On XX/XX/XXXX I asked for updates and they could provide none. I requested a statement of activity. I was told I would receive it within 3 days even though he had access immediately and could read it to me he said their email processing time was 3 days.
XXXX XXXX Account is incorrectly reporting missed and late payments. This is incorrect Accounts is closed and paid in full creditor is still reporting this incorrect information. XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX is reporting a late/missed payment, this is incorrect, and account is paid in full. Creditor is still reporting incorrect information. XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX/XXXX is reporting a late or missed payment this is incorrect, account is paid in full, date opened XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX is closed and paid in full, but it is showing a missed payment this is inaccurate. XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX is paid in full and open creator is reporting a missed or late payment this is incorrect date opened XX/XX/XXXX address XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX is open and current, is reporting incorrect information missed or late payments date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
AN ACCOUNT UNKNOWN WAS OPENED XX/XX/2017 IN THE AMOUNT OF $XXXX
In XXXX of XXXX I contacted XXXX XXXX to restart services on equipment that I had. When I contacted them, they informed me that I owed them {$XXXX} for services that was already started ( and now in arrears XXXX XXXX, XXXX, XXXX of XXXX. I had canceled service XXXX of XXXX. They told me that the services were suspended in XXXX of XXXX and would automatically restart 3 months later. I told them I was told that it was suspended to auto start in 3 months. I told them that is the way I remember it. I said I could not pay that and wouldn't pay it because I was not informed that the service were restarted. They said to send their equipment back and they would close the account and remove the amount. They didn't and since they refused to remove XXXX and I refuse to pay it, they have sent it to a collection agency. I reported to the collection agency the situation, then they move the account to another collection agency, explained again. Now I am done explaining. 

I am never going to pay it. XXXX should show I was an excellent customer for years until this. I will never recommend them to another potential customer. If I owed it I would pay it. It is a matter of principle.
amex showing XXXX, XXXX, XXXX when i sent hacking and ftc reports
I XXXX XXXX claim that a company known as USA Funds , Inc. has been for a great deal of time tried to collect a debt that may no longer be valid. The referenced collections state that the debt service date to be 1998. If these debts were in fact educational loans, they would have been backed by guarantee with the U.S. Department of Education. 

I claim that USA Funds, Inc. acquired these debts from a debt pool system, and that the enforcement date can no longer be valid by California laws. The only method in which these loans would be valid is by a guarantee to the U.S. Department of Education. 
USA Funds , Inc. state that one of their options is to assign the listed student loans to the U. S. Department of Education. If that were true that USA Funds Inc. could, then I advise them to do so. The attached letter is in violation of the Fair Debt Collection Practices Act based upon the following facts that the attached letter even stipulates : LENDER : XXXX XXXX XXXX XXXX - This means that the loans were securitized and then ownership was fractionalized. USA Funds Inc. has no skin in the game other than to use my credit history hostage, they have no assigned right to ownership from any f the fractionalized owners of the debts that were securitized, and for USA Funds Inc. to take a position that they can take legal action where they have zero chain of ownership or assignment of authority is not only an FDCPA violation, but a violation of my civil rights as a member of the XXXX XXXX XXXX. 

I DEMAND THE CFPB AND THE FTC PURSUE USA FUNDS INC FOR MY FDCPA AND CIVIL RIGHTS VIOLATIONS AS MANDATED BY FEDERAL GUIDELINES!!! 
The attached letter if full of abusive threats to me as a person and my own credit history. USA Funds Inc. will be sued if they persist with these threats and if they do not purge my complete file immediately. This company is nothing more than XXXX of XXXX of collection agencies nationwide that abuse the system and due process as mandated under my protected legal and constitutional rights. 

This letter is proof that these loans were securitized through a third party investor. USA Funds Inc. has destroyed my personal credit on debts that are no longer valid. I will proceed with a federal lawsuit against USA Funds Inc. if they can not validate a legal collection process. 

I demand that a letter of release be submitted within 30 days, and that all illegal collection processes cease immediately, along with the deletion of all accounts from each pertinent credit bureau.
There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : XXXX, XXXX and Equifax.
Experian still has Identity theft accounts on my credit report. Still after 3 times of disputing they still not doing things right. My name is still not fixed. its XXXX XXXX XXXX XXXX Also they still have XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , 2 accounts from XXXX XXXX XXXXXXXX. These need to come off. I did receive a letter stating that XXXXXXXX XXXX was deleted off my credit report but its still on here. XXXX line of credit, XXXX, XXXX card not listed. XXXX and XXXX XXXX took off what was not mine and not its right but they still don have my XXXX   XXXX line or credit XXXX 's or XXXX card but its in the works of contacting to see if they can add them.
On XXXX XXXX, XXXX I used the Bank of America XXXX BOA ) online " Transfer '' system to transfer {$4000.00} to a person in XXXX to consummate a purchase of a car. I used the routing and account number supplied by this person. His account in with XXXX XXXX in XXXX. I called this person on XXXX XXXX to find out that the money was not transferred. I called BOA was told that the transfer did not go through because the routing number XXXX used was for a traditional " wire '' transfer and not the transfer offered on their website that I used. I believe it 's called an ACH transfer. Further, I was told because of the incorrect routing number that the monies would not and could not go through and to wait 10 days and the money would come back into my account. OK. So in order to finalize the deal I went to another bank and wired the money. XXXX complete. 10 days later I call BOA and was told to wait a few more days because it XXXX not be 10 days exactly. So a few days later I call back and was told that the transfer did in fact go through. Now this was supposed to be impossible. OK. I asked them to reverse it & get my money back. Could n't do that but they would submit a claim. I was also told, that it is possible that not even the original recipient may have my money because the wire routing number could be associated with a different bank account! I received a letter from BOA stating " We have completed our investigation of your claim. Our records indicate that we initiated the transfer in accordance with your instructions. '' Perhaps that is correct to a point, but they told me on the phone that it was impossible for the transfer to go through. XXXX BOA charged me {$10.00} for the transfer fee, so I am out {$4000.00} currently.
Students loans duplicated and were paid off showing on credit sent dispute to have them removed. Still showing need to be removed. 

XX/XX/XXXXCreditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXXClosed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXXCreditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility  Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name DXXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened DateXX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00}XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed DateXX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$750.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00}
Since XX/XX/2018 Allied Collection phone XXXX XXXX is attempting to collect on a debt that Ive already satisfied/paid in full.

To Whom It May Concern : On XX/XX/2018 I paid {$520.00} to XXXX XXXX XXXX who was collecting on behalf of XXXX XXXX XXXX and they emailed a confirmation of payment to me confirming same. 

Actions I have taken : I explained this to XXXX at Allied and have provided to him the email receipt from XXXX XXXX XXXX. 

On XX/XX/2018 I emailed proof debt paid in full along with XXXX   address and phone number and reference number to XXXX On XX/XX/2018 I called Allied said they didnt receive my email and asked me to email it again to them at XXXX Today, XX/XX/2018 XXXX from Allied called attempting to collect the debt. I told him Ive sent proof paid 2x and he said he hasnt received it and asked me to email proof paid to XXXX. 

I just spoke to XXXX at Allied and now he wants a bank statement from me showing the payment of {$520.00} clearing my account. 

Im uncomfortable with this request. 

Please advise. 

Thank you, XXXX XXXX XXXX XXXX