WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX / XXXX /   17  I spoke with a representative of the company who would not provide their name upon request. I simply asked to not be contacted as the debt in question is time barred and out of statute. The representative would not provide their name and indicated they would only honor a cease and desist request in writing. Upon my repeated requests to have my account marked cease and desist the representative transferred me to a supervisor. Upon speaking with the supervisor I was advised that the debt is indeed out of statute but that my verbal cease and desist request was insufficient and I would need to submit the same in writing. Additionally all other inquiries I made were met with a response that I can check online resources.     Prior communication had resulted in a hostile phone conversation wherein the representative refused to provide his name as well and became aggressive upon my advisement that I would be terminating the call.
I went into default on my private students loans when I was given misinformation from the original debt holder of all my student loans, XXXX. I spoke to a XXXX representative during a period of time that I was filing Chapter XXXX bankruptcy and was told to hold off on all my student loan payment until the bankruptcy was completed. My loan payment included both federal and non-federal loans so that information was correct for my federal loans that transitioned back into repayment without any problems, but incorrect for my non-federal private loans that were sent into default. I did not receive any notice about the default until it was already sent to collection agencies. Once I was aware of the misinformation and resulting default I started to pay XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX, that took over my non-federal loans. I was making monthly money order payments to the collection agencies for over two years, however they did not provide me with receipts of payments. When I requested proof of receipt of payments, XXXX XXXX XXXX , XXXX gave me proof, but XXXX XXXX XXXX , XXXX did not provide me with any information. Since I was not sure they were receiving my money order payments I stopped making the monthly payments since I did not know for sure they were being received and credited properly. XXXX XXXX XXXX, XXXX, did not contact me for six months instead they transferred my debt to Williams and Fudge, Inc. The new collection company is now calling and sending me notices demanding payment. Furthermore, they have added unexplained additional charges added to my original debt.
Our Chase Bank check was stolen from out outgoing mail. The check was made out to XXXX XXXX XXXX XXXX but cashed and forged by XXXX XXXX. We notified the bank XX/XX/XXXX, prepared all the paperwork, had XXXX XXXX 's and our signatures notarized as instructed to do. We have still not had our claim honored.
According to the Consumer Protection Federal Agency and the Department of Conciliation Services for Foreign Residents ( CARE ) there is a term of 5 working days to cancel a timeshare without penalization. I sent an email within the 5 days to have cancel with XXXX. This was done through a 3rd party. I have followed all suggestion since then and NO funds have been returned to me. A representative from the company spoke to me and an executive at CitiBank about the refund and was supposed to get back with us after the last conversation that was over a week ago and although CitiBank was unable to get back in touch with said company I am still held responsible for this bill although I have not been able to get any of the services that they promised without making additional payments even when the contract states that the service is a " free '' service.
Consumer Financial Protection Bureau ( CFPB ) this is my ongoing attempt to resolve and correct this injustice. Attached are the Denial Notices that should have been offered with Complaint XXXX. These Notices will be added to the already numerous amount of Credit inquiries that currently exist on my Credit History Report which I have been told will remain on the Report for a period of ( 2 ) years. The Credit Denial Notices are based on unlawful and outdated information that was supplied by one of the Credit Reporting Agencies (  XXXX XXXX, XXXX and Experian ). The behavior of these agencies is causing additional inquiries to be posted to my Credit History. It has been my experience that these agencies take turns sharing erroneous information acting out and a reflection of their own prejudices. For the record the Denial Notices indicated that the Creditors supplied with Credit History information indicating that there are and was Delinquencies, public record or Bankruptcy. This incorrect and erroneous information was supplied and offered by Experian. Many attempts have been made to clean and correct the Credit History File over the past 10 years, what Experian claimed took place almost ( 40 ) years ago and the sharing of that information was irresponsible, irrelevant and prejudicial. However what occurred was a Bad Creditor forced me into the Delinquencies and Bankruptcy and for the record I want except or tolerate any Creditors who hide behind bogus agreements and faulty merchandise just like Credit reporting agencies who erroneously and falsely share unlawful and outdated information. The Denial Notices offered the erroneous explanations for why the Credit Applications were DENIED however the bad behavior of XXXX XXXX, XXXX and Experian failed to stop or discourage XXXXXXXX XXXX from approving the $ XXXX Loan. XXXX XXXX approved the vehicle Loan Applications withstanding the current false and erroneous information that was offered by XXXX XXXX, XXXX and Experian.
This debt was paid through XXXX XXXX. I have spoken with wakefield and associates on numerous occasions. I have also provided supporting documentation.
Almost 3 weeks ago I noticed that there was a mobile deposit that went into my account that was not authorized. I never made any type of mobile deposit. The amount was for a little over {$1400.00}. I noticed the deposit was made because I logged into my mobile bank account app. A few minutes later when I went to check the app again I realized that I was locked out of my account. I immediately called TD Bank and they informed me that the mobile deposit was made and I tried to explain to them that I never authorized the deposit and that someone hacked into my mobile app and had my username and password info. The same people who hacked into my account also ended up withdrawing funds into the thousands of dollars. Finally TD Bank shut my account down, but did not close it. The account could not be closed because I was so in the negative from all of the charges that were made. To make matters worse, this TD account was linked to my direct deposit from work so my direct deposit from work went to cover all the illegal charges that were not authorized to cover for the negative balance. I worked an entire 2 weeks at work and never saw that paycheck. I have been able to delete this card from direct deposit at work and just do a pay card but this entire situation has been a nightmare. TD Bank has been incredibly unhelpful in this entire ordeal and it has been extrememly stressful to deal with.
There are XXXX accounts listed which do not belong to me which are XXXX XXXX XXXX # XXXX and XXXX XXXX Bank XXXX I 'm requesting these be removed ASAP
I was applying for a XXXX job on XXXX on XXXX of 2016. On the last week of XXXX a family reached out to me by the name of " XXXX XXXX '' to hire me as their XXXX for their XXXX. Although, I was surprise that they wanted to hire me without meeting me first. I knew I still had to meet the family first eventually. XXXX told me she was XXXX and her husband also. The only communication they said that they could do with me is texting but no calling. And I respected that. So throughout XXXX we were planning on meeting with each other. But for some strange reason everytime I would schedule a day to meet, they either could n't make it or show up. They told me that they were from XXXX and that they were moving to XXXX by the XXXX of XXXX. But they still kept postponing our meet up date. So while I was waiting for their availability in the process, they wanted me to give them a favor for their child. In my my mind I did n't think anything of it, I wanted to show a nice gesture to the family. So I agreed to help. Two weeks ago XXXX sent a check to me of {$3500.00} for me to cash in my bank and to deposit the funds at a Bank of America account to pay a toy seller for their child. XXXX stated she wanted to purchase some toys and a car seat for her child when they arrived to XXXX. At this point they still had n't arrived from XXXX So I did as she stated. I went to my XXXX Bank to see if I can cash it but the tell had told me I had to wait five business days for the check to clear, which was XXXX XXXX. I waited till XXXX XXXX and I withdrew {$3300.00} at this point because XXXX had contacted me that same day, and stated I could keep the remainder {$200.00} in my account for helping her. So I thought that was really kind of her. I then deposited {$3300.00} to the Bank of America account that she provided me with. It was not till three days later when I saw my personal bank account at XXXX Bank that went negative {$3500.00} and I was hit with a {$5.00} fee on top of that. My bank then notified me that it was a bad check and the check had bounced. I told them that I had no idea it was a bad check and I wanted to pursue a claim for a refund. They stated I could n't pursue XXXX because if I had n't withdrawn {$3300.00} I would 've receive a refund. I really upset because it was n't my fault. This was the first time that ever happened to me. So I immediately went to my local police station and filed a report. I then went to the Bank of America to see if I can file a claim there and for them to trace the account. They said no but they took down my information for further investigation, but they refused to tell me anything. I also sent a copy of the police report to the police department in the same town where the Bank of America was located. At this point I would like Bank of America to provide a refund and trace the account that I desposited the funds into. It 's clearly a fake account and I do n't understand how Bank of America allowed a hacker to enter into their system. I suffered a MAJOR loss and it 's not fair! No one should have to go through that and for that scammer to get away like that. That 's ridiculous! Anyone can be a victim of this tragedy.
This debt has been reported on my credit report by TWO different agency 's and ii have made several attempts to resolve this issue and all the agency does is send a bill and consider that verification and its not. I pulled my fathers credit report and this debt is also on his credit report and our names are not alike and we were not co owners of any account in the past.SO how can this debt be verified if it is showing up on two different individual credit reports with two different agencies this is getting very frustrating and I have been waiting more than the allotted amount of time for a response. The XXXX XXXX XXXX   credit agencies are reporting this information as verified but how if this is on my and my fathers credit report? So whos bill is it? these are things that a thorough investigation consists of and obviously if has not been done. According to the FCRA, If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This has been going on Since XX/XX/2018 form two separate collection agencies for the SAME bill. I'm pretty sure this is a violation under the FCRA to put something back on my credit report without proper notice.
Our Rush card had XXXX side funds put aside XXXX emergency funds and on XXXX money for the kids. Just now got the emergency funds but they cleaned out the XXXX money. What the heck. Are we gon na get that back?
The reason for my writing of this letter is to inform that I am a victim of IDENTITY THEFT. I informed this company on XX/XX/XXXX about my identity theft issue. I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my account without my consent or authorization. I noticed Significant fraudulent changes around early XXXX and early XXXX. My account had various fraud charges throughout the year or two. As the law required that they delete this fraudulent account within four days from receiving my written consent, this company is still reporting this account until now. I am making it clear here that I did not benefit from anything whatsoever in this fraudulent activity. Attached herewith are all the documents I sent this company i.e. My dispute letter, My identity theft report e.t.c.

I am also INCLUDING MY RECENT CONTACT IN CASE YOU NEED TO REACH ME : 1. my phone is ( XXXX ) XXXX 2. My email is XXXX Let it be noted that this is my final intent to solve this issue before I file a lawsuit against this company for reporting identity frauded accounts even after being informed of the issue.
Loancare LLC began servicing my mortgage as of XX/XX/2018. I received a letter via USPS dated XX/XX/XXXX containing a XXXX form with information fields populated containing personally identifiable information including my name, address, SS # and mortgage loan account number. Loancare wanted this form signed then mailed back via USPS. All this information can be used to access the account via telephone. This is likely a violation of numerous regulations including the Gramm-Leach-Bliley Act among others. I called Loancare to express my concern over their disregard of customer data protection and requested to speak with several executive managers by name over the compliance and data security practice areas. Loancare would not connect the call and instead gave misleading information about sending such data via US mail with no regard for protection.
XXXX XXXX XXXX  PO BOX XXXX XXXX, IL XXXX ( XXXX ) XXXX, filed a small claims lawsuit against me approximately XX/XX/XXXX-XX/XX/XXXX. The information reported was incorrect and a counterclaim was filled. On XX/XX/XXXX the collection agency ( Midstate ) admitted to the error and requested I only pay the amount of the initial bill and they are recusing themselves of responsibility and declining to collect any collection fees. The initial bill was for {$5600.00}. This was done before my insurance had even settled with the hospital, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX the error was addressed Midstate requested I drop my counterclaim and pay the amount of the bill {$2500.00} ( this was the total amount due after the insurance and XXXX XXXX XXXX finally XXXX the bill ). I paid the full amount of {$2500.00} and the case was dismissed. After thirty ( 30 ) days the amounts were still showing an outstanding balance on my credit report. My job became aware of this and demanded I get it taken care of or I would be terminated. I have a no debt section of my employee contract. I called XXXX from Midstate and was told after the debt was paid is was not their responsibility to report it to the credit unions. I filed a dispute with XXXX and XXXX  ( I provided all documents and court documents ). On XX/XX/XXXX I received a letter from XXXX stating the contacted Midstate and were advised the accounts are verified as accurate. I called Midstate and inquired why they would do this. I was told by XXXX all my accounts are closed and I have a XXXX   balance with Midstate. She advised me to go ahead and try and dispute it again. Maybe it will get fixed this time. I have tried to fix this following all of the levels of dispute protocols. I now believe the money Midstate lost from this case has been causing them to do this intentionally out of malice.
I have been disputing a judgement for over a year. The judgement has been paid since 2013. Every time I dispute the judgement showing not being paid the results are that the company who placed it there verifies that it is correct. After a few attempts to dispute this through the credit bureau and getting the same result every time I contacted the court that the judgement went through and the company who placed the information on my credit report. The court says the judgement has been paid and they sent the paperwork stating such to the company who filed the judgement. I then contacted the company who filed the judgement and they confirmed that the judgement had been paid. They sent me a letter stating such so that I could provide documentation to the credit bureau. I sent the letter to the credit bureau and the response I received was that they could not use it to make the changes and would have to verify the information with the company who provided it. I am not sure why the company who put this on my credit report is still verifying it as correct, if they are in fact verifying it as correct, or why they did n't update my credit report in the first place. Every time I have to correct a mistake, correct an account, etc. I have to provide documentation such as drivers license, proof, etc. and sometimes even that is not enough, while the company who put the information on my credit report or is verifying the information only has to do so verbally.
Today, on XX/XX/18 at approximately XXXX, I answered the company phone at my job and it was a call from a collection agency. XXXX XXXX from XXXX, XXXX, XXXX, XXXX XXXX stated that she was calling to talk about garnishing my check. She did not know it was me answering the phone but gave my name out and specifically stated she was calling about garnishing my check. I am not over HR. I am just a regular employee in the office. She didn't ask for my name until I asked was it illegal to give out employee 's name 's regarding garnishing checks to any employee. 

I called the office to speak to the supervisor and was transferred to her number. After I told her not to call the office giving out my personal information, she stated it was not illegal because she sent a letter in the mail to my boss so that made it public knowledge. I am not a lawyer but I did study some business ethics and I know that is not true. She is only allowed to discuss collecting a debt with me or my employer/the person responsible for issuing my check. As a supervisor, I would also expect her to be competent enough to not make such a mistake no matter how eager she is collect money.
I initiated a dispute with Equifax on XXXX XXXX since then I have initiated a reinvestigation because the outcome of the first investigation stated that they found that the accounts they belong to me so again I disputed as fraud and they 're still saying that they verify the accounts. What account is with XXXX XXXX XXXX yeah the account is with XXXX neither XXXX of these accounts belong to me.
I am REQUESTING that Trans Union address the information that they are recording on my credit. 
public record XXXX provide information showing this account date file and stautes is correct information. Delete information XXXX / provide validate of this account with last date of payment and when this account went into collection on my credit report it states no payment history so who can it be a valid open collection / delete information XXXX Collection account XXXX no payment history to complete that fact of it being a collection account when did this account go into collection Trans union is not reporting a full accurate account detail / DELETE VIOLATION OF THE FCRA XXXX reporting unverified information verify when this XXXXaccount was open and placed for collection. Trans Union DElete information Violating THE FCRA XXXX DELETE ACCOUNT NUMBERS XXXX XXXX OUTDATED ACCOUNT OPEN 1987 DELETE REMOVE ADDRESS LISTED XXXX GA XXXX XXXX
XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX  and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, XXXX and XXXX. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX  with a signature that does not belong to me and XXXX XXXX  transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.
I have several unauthorized inquiries and its affecting me getting a loan for my daughter college education. I have several inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I contacted all these places and customer service would not take care of the negative inquiries on my report
My mortgage was sold by XXXX XXXX XXXX to Nationstar Mortgage with one year remaining. I paid off the mortgage on XXXX XXXX, 2015 with a certified cashiers check as was requested. I have been attempting to get a filed release of lien on this property. After contacting Nationstar customer service on multiple occasions, by phone and in writing, I have still not received the recorded release of lien. I did request and received an emailed copy of the notarized release dated XXXX XXXX, 2015 but it did not have any information related to filing. The County Clerk office for XXXX XXXX does not show a filing for the release as of today ( XX/XX/2015 ). I have contracted with an attorney, who sent letters to the XXXX addresses I had for Nationstar document administration. These letters were received and signed for on XXXX XXXX, 2015. 
I need to have the filed release of lien in order to apply for a Home Equity Line of Credit on the property. On XXXX XXXX it will be XXXX months since the loan was paid off and more than 2 months since the release was notarized but still not recorded. Nationstar has not responded to my attorney yet.
I keep getting calls from area code ( XXXX ) with the following numbers : XXXX & XXXX & XXXX ( 4 times in one hour today from this last number ). I do n't answer, but they continue leaving voicemail messages threatening to send a server to my door if I do n't call back ; threatening to take me to court. I have absolutely no debt. I looked up the first XXXX numbers and there were many reports of this being a scam. How can these people keep calling me when my phone number is registered? I feel like I 'm being harassed now. Thank you for any help you can provide me!
I have tried on numerous occasions to get the 3 credit bureaus to accurately report my accounts. I explained that one creditor XXXX XXXX would deceptively change the account numbers every time I submitted an account verification request. They have sent me letters all 3 credit bureaus that they would no longer investigate my previous claims which is a direct violation if the fair credit reporting act. This had drastically hindered my ability to obtain credit. If it is not handled appropriately I will be forced to take legal action. I also asked for proof of verification methods of my alleged accounts and I was never provided with it.
On Monday,  XXXX   XXXX ,  2017 , at approximately  XXXX    XXXX   Central time I attempted to log into my Bank of America account online only to be told to contact customer service. I am assuming that my account was closed due to the other CFPB claim I have pending with them. That claim number is  XXXX . No one called and asked me any questions nor did they even advise me that they were about to close my account. I demand that I be able to go into a branch tomorrow,  XXXX   XXXX ,  2017 , and withdraw my money from the account. I am currently in the process of moving and this is holding me up as I do not have an active debit card.