WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 at XXXX a " XXXX '' left a voicemail on my phone stating that they had " received legal documents to be processed against my social security number immediately through the XXXX County Courts , case # XXXX, '' she left a " direct '' phone line of XXXX. 
I returned the call, was verbally harrassed, intimidated, threatened, and lied to. A Senior Manager " XXXX '' actually yelled and raised his voice at me, claimed he had an " attorney '' on the line monitoring the call, and wanted to ask me a " question straight out '' ... XXXX hung up on me. Repeated attempts to call back were received with tremendous threats of legal action yelling, and accusations of harassment. The three or four people operating this business, are attempting to collect a debt they do not own, are lying about legal action, are using my information illegally, and are not following proper standards for FTC and CFPB standards. These individuals are misrepresenting themselves, lying, threatening, and attempting to receive money they have no right to collect. 

Law Enforcement should be involved as these individuals are verbally abusive and are violating nearly every FDCPA law. 

XXXX Fair Debt Collection Practices Act - As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) - As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act - 1692-1692p I will be pursuing Zenco for damages in full through the legal process and remedies afforded to me. 

http : //www.zencocollects.com/contact-us/ Zenco Collects XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX
I was checking my credit score on XXXX XXXX onXX/XX/2018 and saw a link that said 'See if you are pre-qualified for a personal loan. This will not effect your credit score. ' I clicked on the link and saw the offers and did not proceed. Few hours later, I get an email from Avant Personal Loan ( XXXX ) with the creditor name : XXXX XXXX XXXX XXXX XXXX XXXX, AL, XXXX ; stating that my loan application has been denied and that my report was pulled from XXXX. I have not sent in any application to the above mentioned creditor, nor have I consented to my credit record being pulled for any loans. I have never planned to get a loan from Avant Loans cause I did not even know that company existed. I have sent a mail to the support email for Avant Loans sand is waiting for a reply.
XXXX  has been non-compliant with removing the unverified account XXXXWELLS FARGO which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXXWELLS FARGO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Got repeated calls over the years about an XXXX bill from XX/XX/1981 at my brother 's phone in XXXX, FL which used to be my old phone number. So I called them at XXXX. They claim I have a {$570.00} debt from a phone bill in XX/XX/1981 from XXXX. They have been calling me and my brother every day since then. They even call him at work. I have not seen any documentation or any bills from this company. Just keep getting repeated calls from out of the blue.
The following accounts have never been mines : XXXX Mortgage XXXX & XXXX, Certified credit XXXX, XXXX XXXX XXXX, Ad XXXX XXXX XXXX. Experian is reporting inaccurate information on my report. I also was a victim of idenity theft. I have wrote several letters explaining these are not my acct.
on XX/XX/2015 i call ocwen mortgage to refinance my mortgage they told me that they can not refinance my mortgage but they can restructure my loan, after going through the trial period they send me a package to fill out and get notarize which i did and send back, i then received a phone call saying that i owe {$1900.00} to ocwen when i ask why they told me that i did not send back the package i said i did, then i was told i owe {$400.00}. tlus in escrow fees i started argueing with them then they said if i pay the {$400.00}. plus in escrow fees my mortgage will go down i sent them a for $ XXXX.plus and another check for $ XXXX.plus i i call them and ask them what happen to the check i send for my escrow they told me that they put it in an account i then said that check was sentfor my escrow on the check i wrote for escrow account so i was duped like many others home owners like myself who lost their homes to ocwen mortgage co. i sent a complain to the attorney general Pam Bondi i receive a letter saying they are looking into this, every time i call ocwen and ask to speak to the person i spoke to previously i am told that he/ she is not available so you can never speak to the same person twice this mortgage co is ripping innocent AMERICAN OFF. and someone need to stop them. I AM THANKING YOUR BUREAU FOR ANY HELP FOR MYSELF AND OTHER AMERICANS THAT WAS RIPOFF BY Ocwen mortgage co. Thank you XXXX XXXX
I opened my account in XX/XX/XXXXwith an interest rate of 9.24 %. For the past year the interest rate on my account had been modified to 11.24 %. On XX/XX/XXXX I received a notice that my APR will be increased to 15.24 %. 
On XX/XX/XXXX I called Chase customer service, the representative stated due to market, they have decided to increase my rate to reflect the market. 
Please note for the 10 plus years that I am a card member, all payments were made on time.
I purchased an auto From XXXX XXXX XXXX NC. The date was XX/XX/XXXX. My payments were around XXXX a month. The payment was the same but half the money WF claimed was for interest. Only half the payment went to the principle. I noticed that people kept calling from a local number in regards to the XX/XX/XXXX loan. The payment was in default without my knowledge from my ex-husband. He had my car in arrears due to a chronic behavior. When I finally was able to retrieve paperwork. It was in arrears almost three months. The car started spitting and sputtering and someone said to take it to the shop and another suggestion was the bank had a device on it to repossess. That said I knew this was not the case because I banked with Wells Fargo. During the early years the point of contact was always the same. Fast Forward to XX/XX/XXXX. The car spits and sputters me into the other lane while driving and I coasted it into a driveway. After an hour it starts, then I drove it to XXXX in XXXX NC. It got stuck in park and would not move.I called a wrecker and they took car to XXXX ( XXXX ). They kept refusing to talk to me and when they did they said they couldn't find the problem. I called Wells Fargo and this is when they said the car was three months behind. I paid it and all of the sudden, XXXX Calls and the car is fixed. They still don't know what is wrong with the car. I went to pick it up and they had a used car sale sign on it ready for the sale. They denied. I drove car home and my father helped me catch up insurance and payments from that time till XX/XX/XXXX. At this time I was in XXXX Georgia with a job interview and preparing for work. I was stopped at the intersection by what appeared to be an alleged wreck.I deny the allegations. The car was taken possession at this point by XXXX insurance who claimed it was totaled before ever investigating. The XXXX representatives insisted it was my fault. He also questioned if I had other insurance. I denied. Why would I carry two insurances ' on a car? Its hard enough to pay for one carrier.  Theres more. Contact please
At This time, I am disputing what Beneficial HSBC had responded to my claim with. For the fact that i did in fact make my trial modification payments, and each time I was never notified. During the last time in 2014 i had even went through another Lawyers office. I have enclosed copies of each check that was sent in for the last modification showing that we did make the payments for 2014. Also If Beneficial does not participate in the XXXX or similar federal government-sponsored programs, why???? do Beneficial employee 's tell me when i have called or even when i received the information by mail to please call for to see if you qualify for XXXX Assistance or XXXX. 
Plus this is not to mention there are XXXX different names on papers that I received in the mail, and each XXXX had different answers for me when I talked with them, not to mention when my new wife did also.
I own this company I already talk about this but the keep calling my employee r and disclosing my information.
We purchased property in XXXX through a 30 year fixed rate mortgage originally as HUD property. HUD sold this property to Ocwen in XXXX. The original purchase price was $ XXXX at 10 % interest rate. We paid $ XXXX {$600.00} per month ( depending on the tax rate ) for 30 years. The final payment was XX/XX/XXXX for {$400.00} after which Ocwen said we still owed {$21000.00}. We hired a mortgage lawyer to check into what Ocwen said we owed past the maturation date of the loan. 

The lawyer informed us that we did owe {$21000.00}. We disagreed but Ocwen threatend a foreclosure on our home. We wanted to avoid this so we sent them what they asked for to avoid foreclosure. We never missed any payments on our home. They asked for {$3000.00} in XXXX we sent that and they then asked for another {$300.00} and we sent that along with our regular monthly mortgage payment.s We paid our own homeowners insurance during the 30 years. 

In conclusion, we would like to know why we owe this amount to Ocwen. Our records indicate our home would be paid off XX/XX/XXXX. We sent them the {$21000.00} XX/XX/XXXX. We have yet to receive our deed. We have only received letters to us concerning foreclosure assistance through XXXX and no receipts or acknowledgements that we have paid them anything final.We would like to obtain our {$21000.00} plus interest.
Waypoint Resource Group is fraudulently reporting on my credit reports in the amount of {$310.00} account # XXXX / XXXX. 

* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
We checked our credit scores today XXXX/XXXX/17, and notice that our XXXX XXXX XXXX XXXX card had lowered our credit balance from XXXX XXXX down to XXXX dollars with out notifying us of these changes. 
When I called the customer service line on XXXX/XXXX/17 at XXXX I spoke with customer representative, XXXX # XXXX. I asked her when and why our limit was changes without any notification to us. 
She replied, the change happen on XXXX XXXX and apologize that no letter was ever sent before the credit limit was set to change.Also id we, wanted a letter we were suppose to ask for one. 
I asked her to give me to the department that could correct our credit limit. 
She told me we would have to go back through the credit review and wait for approval. 
This is not okay for them to have to check our credit again. When we were never notified our limit would be changing due to inactivity on the account.
I borrowed XXXX for school at XXXX XXXX college, and they sent my student loan to collection agency without contacting me. The collection agency, ECMC, now wants XXXX. They are trying to garnish my wages, I am on food stamps and get utility assistance because the cost of living in the city of XXXX is so high. I am already well below the poverty line, this is predatory and unfair practices by ECMC
I have contacted the CRA multiple times via Certified Mail and their online dispute system ( which seldom works ).

There is an entry listed on my credit report in error, which I have tried to have removed repeatedly. It has come to my attention that someone with a similar name to mine filed bankruptcy in the XXXX XXXX of Florida U.S. Bankruptcy Court, and it has appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. However, it remains. 

I searched the PACER system and I have contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau information relating to any bankruptcy cases, and that your information is from an online service such as XXXX XXXX & XXXX XXXX XXXX. I have searched PACER for information pertaining to this listed Public Record, and the address listed on the court filings is not my address, and I have never lived there. 

As you well know it is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. to report erroneous information on a credit report. I demand that Experian expunge the reporting of a bankruptcy entirely, as it is a willful violation of the bankruptcy reporting requirements of 15U.S.C. 1681c ( d ) ( 1 ).
NCC BUSINESS IS ATTEMPTING TO COLLECT DEBT I DON'T OWN AND THEY THREATENED TO SEND POLICE TO MY HOUSE TO ARREST ME IF I DIDN'T GIVE THEM MY CARD OR BANK ACT NUMBER OVER THE PHONE. THEY ARE CALLING MY RELATIVES AND AT MY WORK NOW ... THIS IS REDICULOUS PLEASE STOP THIS ILLEGAL ACTIONS ... 
XXXX XXXX XXXX XXXXXXXX XXXX IS NOT EVEN IN THE BUSINESS ANYMORE IF I OWED THEM MONEY THEY WOULD HAVE REACHED OUT TO ME DIRECTLY BUT THIS ENTITIY DOES NOT EVEN EXIST ...
Wife received a letter that wanted personal information. She called and reported it to lenders fraud dept. Never heard back. Attempted to use card - denied. Called & was referred to money laundering dept. Told since she did not respond they closed acct. In order to reopen they want my income, etc. I refused as I have had the card since XX/XX/1976 and have a XXXX FICO. I was never notified of cancellation I am the co-applicant. I am concerned that they will show the card as just " closed '' and that will affect my credit score.
Received a prepaid card and was unable to use it. The funds expired and American Express will not re-issue the card or provide me the funds. 

In their minds it is a rewards card, but that seems like a way to simply skirt the CARD act and not follow it, and look after the consumer.
Experian did NOT properly verify the information they claim they verified from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are ONLY USING name & social to verify information.
On XX/XX/XXXX I saw an I authorized charge of {$280.00} in my bank account made payable to Bestbuy. I called the Dispute department and notified them. The lady was being nice and told me if I could get someone from Bestbuy to verify those charges were n't mine, we can start a claim ( she also found another one of {$320.00} back in XX/XX/XXXX ). I called Bestbuy and got someone to look high and low for those charges with my name, address, and phone number. They could n't match them to anything under my name. We called Chase together, but the man who picked up did not want to open a claim because he thinks Bestbuy should investigate the fraud. I argues that since it 's proven by XXXX from Bestbuy that those charges are n't mine, we can start a claim to get my money back. He kept arguing and at one point said " how did anyone have my info to give to Bestbuy? '' I questioned him about identity theft, and honestly, I think I was being accused of cheating them. XXXX even helped out and said we could start a claim, and at one point he agreed but told me I still ca n't possibly get my money back, because they ca n't prove fraud. I was beyond XXXX at this point. With Bestbuy people proved that i did not authorize those charges and this man is still refusing to get my money back. It 's not {$60.00}, it is together {$600.00}. And the one in XX/XX/XXXX ca n't be done nothing about because it 's " more than 60 days. '' I know people who went a year without checking their account. If the same thing happened to any of them, are they saying those people should just forget about their money since the bank ca n't do nothing about it?
I have tried to resolve late payments that have been reported on my credit report and they refuse to work with me. I have not been late on payments. I tried to set up auto pay and everytime it would get turned off. I have 3 accounts with them and they also have my name spelled wrong on one account so I don't even know if it mine or not.
Equifax did not properly secure my credit report information. My information was on the list of hacked information and I am very angry they did not take care to safeguard my personal information.
I sent a dispute letter to TransUnion asking them to provide proof about inaccurate information on my report and asked them to verify and provide proof that these accounts are accurate and belong to me and the only thing I got back was verified. They stated they verified my accounts including a bankruptcy but when I requested the source of the verification, they ignored me. They are in direct violation of the FCRA they says they are to provide non-third party proof or delete. So TransUnion lied in a legal document to me and violated the FCRA and I want all my disputed items deleted and updated at once! 
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I have contacted Transunion several times over the course of the last 4 months, via phone and online to have 4 erroneous public records removed from my credit file. I disputed this information with Transunion as well as XXXX and XXXX. The other 2 credit reporting agencies removed the unverified public records and Transunion has not. I have also requested Transunion to supply written proof of the so-called debt/public records and they have not provided the information requested. Since they have refused to verify the information and the information has not been verified through the State, it is unfair to me. A debt should be validated from the state that filed the lien not a PUBLIC RECORD VENDOR! No other credit bureau will report it because it has not been verified by the state! A public record vendor can not be the one verifying this debt- its against my rights to have someone/vendor verify a debt that is being reported against me, especially when they do not and can not supply any proof or documentation that indeed this debt is mine.
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX which they received on XX/XX/XXXX asking for validation of a debt that tgrh stated I owed. XXXX XXXX XXXX was unable to provide that information because so they stated they would give the account back to XXXX XXXX ... Shortly after I seen that I now had a XXXX XXXX debr on my XXXX report through a company called XXXX in the amount of {$1.00}, XXXX in which I was never notified by XXXX via mail in reference to this debt, lastly I received a bill from a company by the name of Afni for XXXX XXXX with a debt amount of XXXX ... These companies has failed to provide any proof that this is my debt and XXXX XXXX keep selling my account to multiple people without any contractual obligation from me ... I asked that this account be removed from my report by XXXX, I ask that my information be taking from Afni system and not to be sold or transfered to any other company because they have failed to provide me with the audit trail of the said account ....
On XXXX XXXX, 2017, I went to the Bank of America branch at XXXX XXXX XXXX, XXXX to deposit {$20.00} into XXXX of my sons bank account as a gift for XXXX Day from his mother and father. 

He lives in XXXX and there is a problem with mail theft in his building, so we do not mail him anything of value. 

Bank of America would not let me deposit the {$20.00} into his account unless I allowed them to copy PII ( my driver 's license ). I did show them my license. 

I have no association with the Bank of America and have no reason to allow them to copy personably identifiable information that may be used for non-security purposes or lost. 

Is there a federal law or regulation that allows a bank to mine information when XXXX is making a deposit of funds that is under the {$10000.00} amount?
For the last year I have had a Santander account that does not belong to me reporting to XXXX and XXXX agencies. I have contacted Santander and was told there was no balance associated with me, but that my name, date of birth, and social were on file. I made them aware that I have never applied for any credit from them, or previously had an account with them. I also contacted the credit bureaus and was told this was fraudulent information, and that upon contacting the creditor this issue would be resolved. I was told by Santander almost a full calendar year ago that i would receive a letter in the mail detailing how they received my information and i have yet to receive this. XXXX was able to confirm this account did not belong to me, and months later reinstated another Santander account in the form of a credit card with different dates and balances. I have been kept from following through with my mortgage because of these constant challenges with a creditor who is not willing to respond with any valid information or work with a person who has been a victim of fraud.
Nationstar Mortgage has completely outsourced their servicing to a foreign country where it is nearly impossible to understand their representatives, where errors occur on applied payments on a monthly basis, and even the simplest adjustments are not implemented after months and dozens of phone calls. I have been trying to pre-pay my mortgage up to six months in advance, according to the terms of my mortgage ( which Nationstar purchased ) and have not successfully managed to do so. They misapply my mortgage payment every month and still have not corrected misapplied payments after dozens of days calling and waiting on hold. They should not be endowed with any fiduciary trust within XXXX law whatsoever.
I paid XXXX mortgages using my Suntrust business checking account. 
On XX/XX/XXXX online banking showed I had insufficient funds but all XXXX were posted, not pending or on hold, and I was charged {$38.00} for each for insufficient funds. The next day, XX/XX/XXXX, Suntrust added an additional {$38.00} return fee for each of the XXXX. This was in addition to the {$38.00} insufficient funds fees. I think I should have been charged one or the other, not both.