WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I checked my credit report because I was alerted that a collection had been placed on my XXXX credit report. The report stated that an alleged debt of {$82.00} was placed in collections on XX/XX/XXXX by XXXX XXXX. The alleged debt was reported ti my credit on XX/XX/XXXX. Prior to the debt being placed on my credit I was never informed about the collection in question nor were any efforts made to contact me to resolve said debt. Upon finding out about the alert on my credit I also reached out to the debt collector via email asking for them to provide me with verification that the debt in question was truly mine. Since I am a victim of identity theft I felt like this was my right under the Consumer Protection Act and Fair Trade Commission. 

809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

None of which have been provided or done by the Collection agency. Also upon doing more research. I found that, Not only was I not contacted by the creditor or the third party agency for the alleged debt but they are in direct violation of the Texas Finance Code 392.101 which prohibits a third-party debt collector or credit bureau from engaging in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filled a copy of the bond with the Secretary of State. Collections Unlimited directly violated this law.

Due to the negligence of this business my credibility, reputation and credit score has been scorned.
I never made a contract with AWA, I sent a letter and Im mailing a copy to CFPB as well according to Section 609 ( a ) ( 1 ) ( A ) XXXX, XXXX, and XXXXx are required by Law and AWA Collection Agency to provide proof that I intact had a signed sealed and delivered contract and I did not and this was paid I want it removed and they have also fraudulently placed a date saying I started a contract with them on XXXX and thats not true they can not create a false date and a false contract and thats what they have done. This contract to my understanding was from XXXX with a company called absolute bail bonds when I verified I was told this was originally opened 13 years ago. I am a victim to fraud at this point and absolute has lied saying I made a payment on the account on XXXX and thats fraudulent as well I don't owe this why would I pay it.
I was never notified in any way, by mail, email or phone call, of the court case or that there was even a debt collection to my name. On top of not notification being received, the debt collector argued they had tried to send mail but put no efforts in finding my actual address, although I had officially changed it within the  DMV.  Another issue is that I am involved in this case, solely because I am not a minor and had lived with my mother, the sole person responsible for this debt is my mother and the debtors decided to charge both of us, simply because of my age.
When I tried to fix some problems with XXXX & TransUnion - both CRAs did a lot of un-ethical showing me a lot advertising for other products! Even after I made it clear that I did not want to buy those products - they kept sending those ads! 

That has compounded the problems with false info! Even this month - XX/XX/XXXX - I tried - a lot of times to check if TransUnion had deleted the false info. I COULD NOT load my credit report because when I tried - more TransUnion Advertising came instead! 

That happened again & again & again!!! So now I have to file complaints against all 3 of those companies!!! I need to file complaints with CFPB about distinctly different 3 distinctly different companies. - Those 3 companies are - 1- XXXX. - 2 XXXX. & 3 - TransUnion. 



In XXXX - I had been a customer of all 3 of these companies since almost as long I have been old enough to have credit cards or credit reports. - Things had gone very well! - Then - in XXXX - some problems started! - In XXXX - false charges started appearing on my XXXX XXXX. - I called XXXX Customer Service to talk to them about that. - Some of the charges were from another state. Very strange. - I was avoiding using my XXXX XXXX for a while. - XXXX de-activated my account. - XXXX sent false info to my credit files! - I suffered from a ridiculous amount of adverse actions because of XXXX sending false info to my files! - I also suffered from adverse actions because XXXX failed to correct the problems even after 30 days! - Those 3 companies - XXXX, XXXX  & TransUnion have severely violated FCRA! - That caused more adverse actions against me! - For example - I got toy limited by XXXX & XXXX XXXX XXXX! That toy limiting almost certainly happened because of XXXX sending false info to my files! 

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Somebody used my personal information to obtain a credit card from XXXX, account numbers XXXX ; XXXX ; and XXXX
Nationstar Mortgage has kept my surplus escrow for XX/XX/XXXX and they are charging me an escrow in XX/XX/XXXX. I have paid my insurance directly per attached. I should be taken off escrow and refunded what they owe me.
I have tried over the past 10 years or more to understand the libor index, the origination fees, the fees on top of unaccounted fees from XXXX XXXX XXXX and Bank of America since XX/XX/XXXX. They can not dispute all the additional monies I have accumulated from the original loan of {$20000.00}. I hired a private attorney XXXX XXXX of XXXX, Ohio at XXXX, to clarify the mass paper confusion, which has cost me thousands of dollars from this private parent loan from XX/XX/XXXX, it will be XX/XX/XXXX and I will be XXXX years old. Bank of America 's liaison person is XXXX XXXX at XXXX ext. XXXX sent me a document with a XXXX XXXX instead of XXXX XXXX, which is not my son 's last name. I called her several times before she responded to the bank 's mistake on that financial document and correspondence between the bank and the school. I am forwarding in an attachment of the " wrong names '' and the scratch out numbers that are hand written by the bank of {$34000.00}. Please not the time lapse of two months before the document was revised without the {$34000.00} displayed with new fees. Bank of America / XXXX refused to answer XXXX XXXX 's correspondence of his calls regarding his findings. I ran out of money before a resolution was completed. I ca n't compete with a XXXX dollar corporation. I hope that this new paper work will create some serious questions into the past lending practices of this bank, that cause them to shut down their private parent loans department.
My employer is having troubles with my background check, so i went looking online for an XXXX, then a malware took me to this site that i can check my credit report for free. so i can verify if my information are really wrong before calling or going to a government offices. while browsing to this site, giving my info even my bank details and ssn. an email from my bank. a transaction was made {$20.00} from that site. and i havent get any info about my credit. i did not know what did i purchased. when im about to cancel my subscription it has no options. i called the hotline they ask me again bout my personal infos. then they will cancel it for the next 2 days. but im worried about my infos. and i read alot in forums that they continue to charge on their account even they cancel their subscription. this happened just now XX/XX/2018 at XXXX the site is TransUnion. another site is XXXX. .. all of them are same scammers! i erased my browsers data trying to erase my info with them but its too late.
I had XXXX accounts from Capital One bank show up on my credit report. I do n't have any accounts from Capital One. I tried disputing them with the company to no avail, furthermore I disputed the accounts with the credit reporting agency, XXXX, and they were " verified '' as mine. These accounts where open under my name and SSN and do not belong to me. They must be removed from my credit file. I have the information about these accounts listed below. 

Capital One XXXX Date Opened : XXXX/XXXX/2010 Credit Limit : {$300.00} Balance : {$0.00} Capital One XXXX Date Opened : XXXX/XXXX/2010 Credit Limit : {$300.00} Balance : {$1400.00} These accounts are not mine and must be removed asap!
I live in California which puts a cap on the amount of interest a debt collector can charge in interest by debt collectors. This is in regards to an old XXXX XXXX XXXX bill. Which shows as the amount owed to the original company as {$150.00} and now with the collections agency it 's more than tripled which even at the highest interest rates is impossible were I living in XXXX of the XXXX states without a legal interest cap debt collectors can charge by law, but luckily I live in California. I would like to take care of this so that it 's off my credit report but the company states I now owe {$500.00} rather than the {$150.00}. Please investigate this, I was told that this collections agency previously had its authority revoked for similar issues experienced by multiple consumers.
Quicken Loans has given me XXXX approval letters stating that my loan has been approved and FULLY underwritten in accordance of the underwriting guidelines. 5 days before closing XXXX XXXX, Solution Consultant for Quicken Loans, informed me that they still needed more time and that the loan HAS NOT been approved by their underwriters. Due to this, I have lost ALL deposits for the purchase of the home I was interested in buying since the approval letter was emailed from the loan consultant to my broker. A total of {$3300.00}.
I am disputing a charge at US Bank. I was sent a claim form for ACH entries and electronic checks to fill out and return. I went in to the local branch in XXXX, Mo to make sure I was doing everything correctly. The banker, XXXX, said that everything was right so I asked her to fax it to the claims office for me. I left then 10 minutes later I received a phone call from a non banker with the phone number XXXX XXXX XXXX XXXX that had received the fax. The form had my full checking account number, my name, and my phone number on it. I called the XXXX number for US Bank to tell them of the error and the connected me with the local branch directly. XXXX came on the line and asked what number was on the paper. When I gave her the number that it was to be faxed to she said that it was not the number that she faxed the form too. She did not apologize and she argued with me about the number being incorrect. She told me to come back in to the branch and she would re-fax the form and do a hard close on the account. I could not go to the branch today so she told me to contact the XXXX number again and the customer service bankers could close the account. I did that and while I was on the line with US Bank customer service XXXX contacted me again and told me that she spoke to the cashier that watched her fax the form and they XXXX agreed that the number she faxed it to was on the form so she was going to investigate further and get back to me. She is not taking responsibility for giving my banking information to a regular citizen and trying to put the blame on me for her error.
Feldman & Stern, XXXX XXXX, XXXX contacted me to collect an amount claimed to be due to XXXX, XXXX XXXX, XXXX for {$99.00} for amount due when my membership was cancelled. I gave written notice to cancel in XXXX 2014 and never received a request for payment until this call. Was told if I could n't provide registered mail receipt immediately that I would be sued for the money. Requested I make payment by check over the phone. I refused and was told I had to send a money order via over night mail. Until I get more information from the business I do not intend to make any payment. No amount is due based on actions I took. It could be bad practices by this health club and/or an illegitimate debt collector.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they suspect I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
PLEASE RE SUBMIT TO XXXX THE REMOVAL ACCOUNTS ARE STILL ON MY CREDIT REPORT ACOUNT # XXXX FOR THE AMOUNT {$150.00} AND HAVE NOT BEEN REMOVED. ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX  AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
I received a promotional email informing me I would receive bonus points if I used automatic debit/credits and online bill pay. The points owed for the bill pay were never applied. A visit to a branch was unable to resolve this and I had to get on the phone. The representative informed me I was ineligible on a technicality that was not outlined anywhere in the promotion. I submitted the email promotion and email with support on the topic both of which substantiate what steps I needed to take to be eligible. After 11 days I emailed back to request a status update. The next day I called again and was told it would be another XXXX3 business days before I receive a response. The points were due over a months ago.
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
XXXX XXXXXXXXXXXXFOR IMMEDIATE RELEASEContact : XXXX XXXXHELP!!! US BANK XXXX ME ( financially ) XXXX XXXX, 2015, XXXX XXXX, CaliforniaIt has taken me a little over six months to obtain a Court Hearing for monies owed to me. 
On XXXX XXXX, 2015, finally, an ORDER TO DISBURSE FUNDS TO ME was signed by a Judge of the XXXX of California. 

On XXXX XXXX, 2015, I presented ID & picked up my County of XXXX XXXX Check XXXX in the amount of {$11000.00} ( Exhibit A ) from Supervisor XXXX XXXX XXXX Exhibit B ). 

On XXXX XXXX 2015, I presented ID & deposited the check with US Bank, XXXX XXXX ( Exhibit C ), who gave me Official Receipts for my deposit totaling {$11000.00} ( Exhibits D ). XXXX informed me because it was a government check it should be cleared by XXXX XXXX, 2015. 

On XXXX, XXXX XXXX, 2015 I felt certainly the check should be cleared & phoned XXXX who at that time informed me the check had NOT cleared and will never clear! I was stunned and asked why at which time XXXX said " You 've been defrauded and should forget about the check because it 's no good. '' I immediately telephoned XXXX XXXX who expressed disbelief and informed me the check was in fact good and they issue checks for XXXX and have never heard of such. Understandably confused I apologized to XXXX XXXX and said I will get back to him. 

On XXXX, XXXX XXXX, 2015, I telephoned US Bank 's Corporate office at XXXX, and asked to be transferred to the XXXX, XXXX XXXX. I spoke with XXXX XXXX of XXXX XXXX office ( XXXX ) who promised to " get back to me within 1 hour. '' Instead, I received a call from XXXX a man who identified himself as " XXXX '' who informed me the check was no good. I immediately called XXXX XXXX and requested a stop payment be put on the check and have another check issued to me, which XXXX XXXX agreed to handle. At XXXX XXXX XXXX sent me an email stating that US Bank has received all funds and that the subject check CLEARED on XX/XX/2015 therefore he could NOT stop payment. 

US Bank took NO due diligence to inquire as to the veracity of the check, and when US Bank had an opportunity to verify that the check was good, release my money to me and apologize, instead they did not, as on XX/XX/2015, I immediately phoned " XXXX '' back at which time I received a call from XXXX XXXX and put us on a XXXX way conference call, to which XXXX said " I will not have any interaction with the maker of the check! '' and hung up on XXXX XXXX and I. I phoned XXXX and he told me if anything, they might in a week or more, turn all my Court Awarded funds back to the payer of the check, but they will never give me the original check back or monies that cleared. I suppose US Bank feels it will be virtually impossible for me to get the County to reissue said funds owing to me. Certainly regarding this matter, US Bank is engaging in : Bad Faith, Discrimination, Fraud, Breach of Fiduciary Duty, CONVERSION ( converting my property to theirs! ), Unethical Business Practices, Receiving Money Under False Pretenses, Theft, etc. 

Exhibit F are my PICKET signs for next week!
I asked Chase Bank to stop sharing credit information with the credit bureaus for an account on which I am ONLY AN AUTHORIZED user. Chase refused to do that and it argued that it received approval from principal user ( i.e. principal user is the person who applied for the credit card ). 

This seems unfair because a bank should get approval from the AUTHORIZED user since it might negatively impact his/her credit ( approval from the principal user is not sufficient )
I received notice that I was required to vacate my house from my landlord in XXXX. My one year lease expired in XXXX and we did not request a new XXXX. The house was purchased for his daughter and had verbally agreed to a 3 year rental. His daughter returned from school early and he needed to move her in. This is the situation that caused me to become late on my Care Credit with Synchrony Bank. In XXXX of 2015 my total balance was {$310.00}. I made a payment of {$84.00}, my minimum payment was {$45.00}. I paid extra due to my earlier delinquency. Payment shows posted on XXXX/XXXX/2015 on Synchrony statements and the total balance due is now {$270.00} I have made XXXX payments of {$50.00} since XXXX for a total of {$250.00} which should leave my account balance at a credit of + {$21.00}. I had switched to electronic statements and made all my payments out of my XXXX check on or around the XXXX of each month. I noticed my balance was increasing rather than decreasing and logged into my account on my phone, saw I had accrued late fees. this is not possible since my due date is the end of the month and I pay at the beginning. Called customer service and they kindly agreed to refund the {$25.00} which they did. The agent said it would be better to make my payments after the XXXX of the month, not earlier and then there would be no confusion. I do not agree to making my payment later, I have cognitive difficulties due to my XXXX and could easily forget. Today I finally was able to go to an actual computer and pulled up my account they say I owe {$130.00} in interest and late fees! I have been on the phone for well over an hour and spoken with a total of XXXX different agents. My very first statement was I do not want to have to repeat myself, may I please have the XXXX person who has the authorization to fix my problem. XXXX Agents later and I still have no resolution. The agents barely spoke XXXX and kept interrupting my train of thought. I even authorized my son-in-law to speak on my behalf because they kept confusing me talking about XXXX, the XXXX fee they did refund. I asked them repeatedly to start in XXXX when it all started and had no success. So now I 'm filing a complaint which I should have done in the first place rather than try to get Synchrony 's XXXX agents to understand me.
I was sent information on a company called,  National wide biwee kly administration, inc to help me pay my mortgage faster and in 2 monthly payments instead of  one large one w hich never got to my  XXXX  housing finance mortgage company on time causing me late fees and when I complained they cut me off keeping  3 ful l work checks of mine saying that was there fee for do me that favor. So they stopped completely which I have the letters stating that they are in management changes but I can not get my fee back or other losses.   My account with them is #  XXXX  record number :  XXXX . I want  my 3  checks I paid for for this service which equals to at least {$5000.00} and then the penalties I had sustained for them not getting my mortgage in on time.  Rounded is  about another {$1000.00} not to mention the bad smear on my credit for being late on my mortgage it cost me. I could n't reocer for 1 year and have. It 's now that I 'm catching up. I had people coming out from mortgage company checking on my house and it 's a well kept house. I was very embarrassed. I want this company held accountable for doing this to a bunch of. I am willing to sue this company for pain and suffering a sell as all my lost for at least {$50000.00}. FHA is not the problem it 's  Nationwide biw eekly. I see on your government website that others have complained to case  XXXX   XXXX