WillisBack/dataset-financial-user-claim huggingface dataset:
I  XXXX   XXXX  file this complaint with the Consumer Financial Protection Bureau, as I have already proven that  USA F unds is using another scam on a debt collection process that has already been beaten in federal court against  XXXX . The student loans were all procured well before   XXXX  , and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Origin ally USA Funds  were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named  XXXX   XXXX . Now USA Funds play a musical chair approach by seeing if another debt collector named  XXXX   XXXX ,  XXXX  will try the administrative garnishment. This is not only illegal, but this company did a hearing request where I would have to travel to the state of Minnesota to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jersey.  XXXX   XXXX ,  XXXX  is not bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as  my 20+  year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period.   I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed  XXXX   XXXX . This false administrative collection process is what got NAVIENT fired by the United States Department of Education as a sanctioned debt collector, and  XXXX   XXXX   XXXX  has no authority from any federal agency to collect on behalf of the taxpayers of the United States.  XXXX   XXXX   XXXX  is not even legally bonded or licensed to do business in the state of New Jersey.   I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY  XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX  IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRAC TICES ACT 45:18-2 A ND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.   CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST  XXXX   XXXX   XXXX  ILLEGAL COLLECTION PRACTICES!!!    XXXX   XXXX   XXXX  MUST PURGE MY FILE PERMANENTLY!!!
I received a statement dated XX/XX/2018 from Portfolio Recovery Associates asking me to settle a debt at a " savings rate '' based on my choice of payment. I have never received any notification of this matter prior to this letter. I was confused and alarmed at this statement, so I sent a certified letter back to Portfolio Recovery Associates on, XX/XX/2018. In this letter I asked for detailed verification with my signature showing contractual obligation with this company, also asking that until they can verify and provide proper documentation they should not report to credit agencies. No response was ever provided to myself after sending the letter. On XX/XX/2018 I sent a follow up certified letter to Portfolio Recovery Associates,  explaining they have failed to provide any sufficient details regarding this claimed debt. In this same letter, I again asked to provide verification for this alleged debt I owe them. Even though by not responding to my initial letter in a timely manner was a complete violation of FCRA and FDCA laws, I was offering another chance to provide my requested information to validate this is a true debt and not some money scam. I received a response from Portfolio recovery Associates dated XX/XX/2018, stating a generic " verification '' of account. These details provided are NOT detailed, such as a signed contract, detailed purchase and payment history. The details provided in this letter are details that are very easily obtained from any computer savvy individual. I waited a sufficient amount of time for this requested information and never received anything. So on XX/XX/2018, I sent a THIRD certified letter, again asking for detailed information just as before in the other TWO letters. On XX/XX/2018, I received a letter ( dated XX/XX/222018 ) from Portfolio Recovery Associates. Again this was a vague generic letter completely disregarding my previous requests for detailed information ( detailed purchase and payment history and a signed contract for alleged debt ). Then on XX/XX/2018, I received another letter from Portfolio Recovery Associates ( dated XX/XX/2018 ) stating they had previously requested more information of exactly what information I was seeking and this information was never received by them so the " investigation is being closed!!! This is complete nonsense! Every letter I have sent is very detailed as to what information I am seeking regarding this alleged debt. I feel like Portfolio Recovery Associates feel they are above following federal laws that protect consumers from this exact situation. They are playing some sort of game to confuse and scare consumers into paying money for alleged debts without providing requested/sufficient validation other than vague easily accessed information.
On XX/XX/XXXX, Equifax was breached by unknown parties and my credit information - SSN, addresses, DOB - was leaked. I was only made aware of this on XX/XX/XXXX when media outlets began to report the breach. Despite having had more than a month to communicate or attempt to provide some sort of remediation, they have done nothing. Furthermore, the tool used to check whether or not my data was stolen only suggested that I return in a week to sign up for indentity protection services. This is an unacceptable state of affairs.
I checked my credit report and seen an unauthorized inquiry from XXXX XXXX I contacted the company several times as well as sent a letter through fax to see who pulled the report. All attempts to contact a representative or manager have gone ignored. There is a hard inquiry from this company that is causing harm to my credit report. This is a violation of federal law and my rights according to the FCRA. I would like the inquiry removed from my report immediatley.
I have a car repo and take i feel that just take my money i put XXXX dowm payment when we sstar the procces i say that i only have XXXX for down payment but they releaseme a car but later they cant aprove because i will need more ddaw payment i say i have XXXX but later they say not enouhg that i will need a least XXXX that i say ok i was driven thr car already they put in 3 payment XXXX +XXXX+XXXX when the XXXX payment i dont make i recieve a call that i have to pay or they will come for the car and then a month pass and i recieve a call from finance loan that i dont was aprrove i call dealer and they say is ok i olso buy a GAP insurance i dont know why if i have XXXX deductible but the problem is that i buy the car and was no condicion i have to expend XXXX on alternador amd battery new but the worsh is they use something that when the day after i dont make a payment they kill the car i can drive how they want me to pay if i dont move arround to work because they dont let me drive and by the end no was two months amd finaly they come for the car a police plate in the neck nock my door and say that he will take the car amd if i dont move the my other car he will use the force i was checking the XXXX and i get other vin check and no mach wath they give me i endent paying about XXXX and i still dont know where to claim can i do something about?
I have a subscription for credit monitoring with XXXX through Experian. I first contacted them at XXXX on XX/XX/19 to report that the information on my credit report is not accurate. It shows no credit history at all which is not correct. I have 2 active credit cards as well as a history of a paid mortgage.The agent I  spoke with, XXXX, after a 1 hour hold time, told me she would forward the issue to their " support '' team for resolution and that I would be contacted in 7 to 10 business days. I checked the report again after a couple weeks and it was still not correct. I called back on XX/XX/2019 and the agent, XXXX, apologized and told me the issue would be escalated to their support team and that I would hear from someone in 3 to 5 business days. She told me to call back in 5 business days if I still had not heard from someone. On XX/XX/2019 I still had not heard so I called again. This time the agent, XXXX, told me it was still with their support team and she would not give me any ETA for resolution. She stated it was out of her hands. I find it unacceptable that it has been over 5 weeks and no action has been taken to resolve this issue. In the meantime any credit checks done on me through Experian are showing I have no credit which is clearly not the case. Note that I also have credit monitoring through XXXX  and the information in their systems is complete and correct. Please help me get a resolution to this issue.
I have tried twice 4 times to get the errors on my account removed. I have been in school since XX/XX/XXXX and I am graduating in XX/XX/XXXX. My loans were recently transferred over to Navient for the continuation of payment. I have called customer service 2 times. The first time the navient customer service agent told me to ignore the bills I was receiving because they were inaccurate and not all of my loan information had transferred over including my deferement and forebarance status. My loans state that I am to start loan repayment after I graduate. The first bill I received was for {$34.00} dollars. I was told by Naveint to ignore this bill. So I did. A month later ( 2 weeks ago ) I received another bill that had doubled in amount due to " late fees '' from not paying the first bill. So I called Navient 's horrible customer service line again and the agent told me that the other agent was wrong, my loans did transfer and i will continue to accumulate late fees if I do not pay. I told her that the terms of my loan state that I am not to start repayment until after graduation. She told me that the terms of my past loans have changed. They have not they have been the same since I started college. So I asked the agent if it was correct that even though my loans state that I am not to repay until after graduation, Navient is telling me I have to and that they changed the terms of past loans I did not agree to change. She said that was correct. So I hung up and emailed the Navient customer complaint line 2 times In the past two weeks. I have not heard back about my account, the errors on the account or that they are even willing to contact me. They have been completely unresponsive to my emails and calls.
XXXX is usurping RESPA Guideline and spending large amounts of money in marketing to the Realtor community.
COLLECTOR FAILED TO VALIDATE SAID DEBT, PLUS IGNORED CEASE AND DESIST COMMUNICATIONS DEMANDS, THE TAXES IN QUESTIONS ARE CORRECT VIA AMENDED TAXES FROM XX/XX/XXXX-XX/XX/XXXX TAX SEASONS. STOP CALLING MY DADS CELLS. THEY KEEP VIOLATING THE DODD FRANK ACT.
appreciateI received a letter from Jefferson Capital regarding an old debt that they bought. I contacted them to pay it off. I was told they did not accept debit cards and needed my bank account information. I am not comfortable with giving out my bank account number. That was last week and since then they call my work phone ( I mistakenly called from my desk phone ) 5-10 times a day. I have spoken with several people to tell them not to call my work line. One particular rude representative talks over me, keeps repeating the same thing over and over until I have to hang up on him. There is no need for it. I called them to resolve the debt. It is not my problem that they do n't have good business practices and ca n't accept card payments on the phone or on line. I will mail my payment because I want to clear this up - hence the reason I called them last week. But I do n't appreciate the harassment at work after telling them several times ( sometimes multiple times on one call ) not to call my work phone number.
I am filing this compliant because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as you can. Thanks
XXXX  and XXXX  has been non-compliant with removing the unverified account AM HONDA FIN Opened Date XX/XX/2018 which has been deleted by XXXX. XXXX were completed their research and determined that AM HONDA FIN was not established by myself but XXXX and XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  and XXXX did not send them all of the verifying evidence to confirm each account is unverified.
SECURITY FREEZEI live in Indiana and so I 'm entitled to place a security freeze on my report. I had no problem doing so online with XXXX and XXXX. But EXPERIAN on XXXX/XXXX/2015 and again XXXX/XXXX/2015 would not do so online - giving the message '' We were unable to honor your request ... based on the ( same ) information you entered '' NO info or explanation was given. I was told to MAIL lengthy and onerous info to obtain the freeze ( eg copies of govt ID, utility bill, along with all my info = SS, DOB, past addresses, etc ) Since the other agencies had no problem, I have to believe that Experian is doing everything possible to make it as difficult as possible in order to discourage consumers from placing a freeze on their account. 
In that my personal info was likely obtained in the XXXX XXXX XXXX data breach, Experian should be held strictly liable for any damages I incur from their failure to implement a timely Security Freeze.
Since  XXXX   XXXX ,  XXXX   XXXX   XXXX , a collections company, whom I have NEVER done business with nor have I ever had an account with, has been reporting a Debt Buyer Account on my   XXXX   credit report an amount of {$410.00}. I have disputed this account with   XXXX   and was told by them that they verified this account as being mine, which it 's not.     As instructed on the  XXXX  investigation report, I have called  XXXX  at the number provided on the credit report numerous times to dispute this matter using the account number provided by  XXXX  which appears on the investigation report. For my own protection, I am refusing to give  XXXX  any additional information -- especially my SS # to a collection company in the event they make any additional inquiries which ought also need to be removed from my credit profile. Although I provided  XXXX  with the account number, my name and address to verify my identity to them as it appears on my   XXXX   report to identify myself as the person disputing the erroneous and damaging information they are reporting on credit profile,  XXXX  refuses to discuss this account with me because I refuse to give them the  last 4 digits of my  Social Security number, citing privacy protection.     After their many attempts to justify their reason of needing my social security number to identify me they used  one of the ir internal systems to access my name and number through their system and asked me to confirm the last  XXXX  digits of my SS # which the agent named "  XXXX  '' said she had my full social security number in front of her as proof that  XXXX  performed an UNAUTHORIZED CREDIT CHECK which appears on my credit report and have not provided any information besides stating a DEBT BUYER ACCOUNT. I told  XXXX , I knew my rights under FCRA and by providing a company issued account number, that I did n't have to provide my SS # as reasonable ID -- particularly to a DEBT COLLECTOR speaking on a RECORDED LINE ; who would ultimately use my information in their own pursuit of debt collection activities.     Also, inany of my disputes neither  XXXX  nor  XXXX  has provided any additional information to me such as a statement or contract to indicate the origin of this collection debt, to resolve this matter, since I have never had any dealings at all with  XXXX , no contracts, no signed agreements, no nothing. On  XXXX   XXXX ,  XXXX , I applied for an apartment and my application came back saying I had to provide an additional {$720.00} Security deposit because  XXXX  has placed this on my credit report -- fraudulently and illegally. This is even more frustrating because they say date of first delinquency is in  XXXX ,  XXXX , date opened,  XXXX ,  XXXX ,  XXXX  and have been reporting this since  XXXX  of  XXXX , creating numerous erroneous inquiries among my other credit reports ( i.e.  XXXX ,  XXXX , Experian Rental  Bureaus   ), a s well.     I pray you can help me get this sorted out. Thank you.
When I was first notified of this fraudulent debt years ago, I notified the original collection company that my account had a fraud alert on the account and that I did not believe this was my account. The original debtor cancelled the debt years ago and sent the IRS documentation indicating the debt was forgiven and that I was to be taxably responsible for the forgiveness. I am now being harassed by a collection agency which has, I 'm guessing, purchased the account even though its already been written off and I 've already been held accountable for the tax forgiveness. My understanding is the original company was compensated by the government for the debt and therefore there is no debt to collect, Not to mention no one had ever provided me with any original wet signed documents indicating I was the original signor, which i asked for from the original creditor for years. 

I sent numerous emails and mailing to the original creditor which were never responded to within the 30 day timeframe and there were in violation of my consumer rights back then and now I am being harassed for a debt already forgiven.
My purse was stolen on XXXX XXXX. I reported the loss of my driver 's license and checking account debit credit card to both my bank, TCF, and the police. On Friday XXXX XXXX an individual made a fradulent withdraw of {$350.00} dollars from my checking account. The withdraw was made from a TCF bank in XXXX. I live in XXXX. Since then, TCF has refused to release the remaining funds in my checking account or refund my {$350.00}.
I have called Wells Fargo multiple times and have spoken with customer service representatives. I would like to be able to view my banking records for the savings and checking account. If I am not able to view these services online I would love to be able to received the paper copies they are for financial disclosure. Please assist me.
I contacted XXXX XXXX card customer service run by Barclays on, or around XX/XX/XXXX to  dispute a charge from XXXX XXXX in the amount of {$69.00}. 

Initially, I thought this was a fradulent charge because I did not remember making the purchase. XXXX, in turn, canceled, then re-issued my credit card. 

At this time I was also referred to the dispute department and was assured the disputed charge would be removed after they confirmed with the vendor ( XXXX XXXX. ) The conversations, as I understand it, were document by XXXX and they do not dispute the fact that I reported this. 

I followed up on a monthly basis for appoxiamtely 4 months until XXXX stopped corresponding. 

on XX/XX/XXXX I again noticed a charge from XXXX XXXX for {$69.00} for a re-curring membership. My first thought was, part of the reason we re-issued a card was so XXXX could not re-charge my card in the future. 

After a one hour phone conversation, XXXX was able to conference call XXXX XXXX and finally cancel my account and refund this years charge. 

Last years charge has never been resolved.
JPMorgan Chase & Co is failing to properly service my mortgage loan as they have performed an invalid Escrow Analysis on XX/XX/XXXX. They are including a County Tax payment which will not occur as it has been prepaid. Escrow is scheduled to be more than {$5600.00} over-collected over the next year. I have provided evidence that the analysis is in error when I originally advised them of the issue on XX/XX/XXXX. Servicer agrees that it is in error. The servicer advises that the escrow analysis would be re-processed by XX/XX/XXXX. As of XXXX EST on XX/XX/XXXX the analysis is still not complete. Servicer is breaching their duties and obligations by failing to properly provide correct analysis in the first place, and they are also failing to complete a timely revised analysis providing mortgager sufficient time to review and object to new potentially incorrect payment taking place effective XX/XX/XXXX.
Yesterday i received an email from XXXX XXXX stating that there was a major change to my credit report. I looked into this, and there was an inquiry from something i have never even heard of. XXXX XXXX   had issued a inquiry to my account without my consent. I tried calling XXXX XXXX, and they were very unhelpful. They told me i had to call Transunion to dispute the issue. Okay, so I tried calling Transunion. Transunion told me i had to get XXXX to send me a letter of deletion so that i could then forward it to Transunion, JUST so they can remove the inquiry from my credit report.I tried calling XXXX back and they told me they couldn't send me the letter until it was disputed These are alot of hoops to jump through for someone who didn't ask for this credit inquiry, and neither company is helping me out. Each one is just essentially telling me to go to the other to make progress so there for there is nothing i can do. I did not apply for a loan or a new credit card through XXXX XXXX  and to my best knowledge, it is actually illegal for them to pull my credit report without my consent.
Issue : Loan transferred from XXXX XXXX to Shellpoint Mortgage XX/XX/XXXX.

Prior to this transfer ; XXXX was in the process of placing loan in my name only, XXXX XXXX XXXX XXXX, per divorce decree and the approved Hamp loan modification. Prior to completion loan was transferred to Shellpoint.

I, XXXX XXXX XXXX  am able to provide a timeline of continuous contact for resolve of this matter with XXXX XXXX XXXX , inclusive of today calling twice leaving messages for XXXX XXXX , loss mitigation Supervisor, with no returned call to me as of the time of submission of this letter. XXXX XXXX XXXX spoke with me on XX/XX/XXXXassuring me that Shellpoint will honor the aforementioned XXXX agreement. All paperwork submitted, XX/XX/XXXX. XXXX XXXX  stated I will receive paperwork addressed to me, with Shellpoint 's name to re sign with mortgage amount and my name only. Timeframe will be 90 days. Confirmed with letter sent by shellpoint on XX/XX/XXXX ( but in XXXX XXXX 's name ). On XX/XX/XXXX I called to check status hence XXXX XXXX XXXX wants his name off the loan or can force me to sell. On XX/XX/XXXX, XXXX XXXX said I do n't qualify for hamp, I must start trial payment and then my name can be placed on loan, because I have not paid mortgage since XX/XX/XXXX. I was awaiting the documents, as told by XXXX XXXX in XX/XX/XXXX, to sign with my name only, with the XXXX XXXX new mortgage amount and was not told to pay mortgage while shellpoint formulated transition from XXXX XXXX to XXXX XXXX. Shellpoint has not abided by the XXXX agreement of the transparency notice I signed along with quit claim deed and all requested paperwork required by shellpoint. Shellpoint has not been honest and I will lose my home per divorce decree.

Shellpoint is unfairly requested a new trail payment and all the records are still in XXXX XXXX name. On this new trail payment one date says by XX/XX/XXXX the amount due XXXX but also says due on the XX/XX/XXXX. No one returned my calls for clarity.

I have timeline substantiating records.
XXXX has sold my loan to JTM Capital. I'm in the process of selling my home. Once my home is sold. I will pay this off. But what I only have borrowed.