WillisBack/dataset-financial-user-claim huggingface dataset:
After seven years of providing full-time care for my mom, she was placed in a XXXX  XXXX under fraudulent guardianship that court and medical records documentation provide conclusive evidence of benefit exploitation by the XXXX  XXXX as well as other parties involved. The XXXX XXXX negligence and subsequent greed resulted in my mom being XXXX that cost her XXXX in XX/XX/XXXX. 

As I hadnt worked since XX/XX/XXXX to provide full-time care to my mom, I wasnt able to work even part-time due to health concerns that resulted from very sporadic symptoms of XXXX that were not detected early on. 

What Id earned from when I was employed went toward expenses that my mom and I had split evenly. 

The incidents surrounding the guardianship were such that I was emotionally shaken as I did not know that guardianship fraud even existed until after it happened. I was literally traumatized without recognizing it at the time as a local hospital suddenly took my mom into their custody without my knowledge or consent ( POA was superseded by them ) and without explanation as to why or proper cause. Her medical records who two false diagnoses, one that was used to get her into hospital custody, the other to keep her there... her recent medical tests prove both diagnoses as false. 

I contacted Citi Cards shortly after my mom was placed in the XXXX XXXX to let them know that I was not able to make my designated payments and why. 

They offered to close my account and lower my payments to {$76.00} per month that I was able to pay without issue at the time as I was receiving regular financial assistance by my moms brother who I didnt realize until decades later finagled my grandfather/their father into literally handing over the majority of his estate to my uncle, resulting in my mom getting the least of the XXXX children ( her other brother got an entire bank account and sent her an undisclosed percentage of savings bonds from that account seven years after my grandfathers XXXX ). 

When my uncle, without explanation decreased the payments via savings bonds from bi-monthly to tri-monthly, I was only receiving $ XXXX/mo. and still reporting detailed accounts of the guardianship to both state and federal factions pertinent to it.

When I called Citi Cards and explained that my financial hardship difficulties, without telling me they put my account into collections status, first raising the payments to $ XXXX/mo. then more recently to $ XXXX/mo. without my knowing that the account had been put into collections and ruining my previously clean credit rating.
I had  XXXX  accounts with    XXXX   XXXX   XXXX    which have been paid off but Transunion will not update credit report to reflect paid in full. The  XXXX  account numbers are as follows :  1.   XXXX  {$2200.00} 2.  XXXX  {$5400.00}
I bought a car from XXXX XXXX back inXX/XX/XXXX2017. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.
I was charged approx XXXX overdraft fees, totaling roughly {$1500.00} I was not informed of this and was not given a chance to remedy, and want this money refunded. I was charged approx XXXX service fees, totaling roughly {$900.00} was not informed of this and was not given a chance to remedy, and want this money refunded. Customer Service refuses to work with me and has threatened additional fees if i close and give my business elsewhere. 

My goal is to get 100 % of my overdraft fees and 100 % service fees refunded.
This is a follow-up to a prior CFPB complaint regarding an account closure at Bank of America. Upon submitting my complaint, I received an e-mail from a bank representative named XXXX XXXX XXXX at the bank 's XXXX XXXX XXXX XXXX department. The email said to " please contact me directly at the number listed below '' and specifically warned against contacting via e-mail. However, THERE IS NO PHONE NUMBER LISTED ON THE E-MAIL! ( I believe a cell number was included without an area code. ) I would have thought this a simple oversight if it were n't for XXXX reasons. First, the e-mail is clearly a standard-issue response that they send to most complainants. Second, when I called the Bank of America general customer service desk ( it is impossible to reach anyone at XXXX Customer Care Resolution without their XXXX digit extension, which was also not provided ) to attempt to get a phone number to reach XXXX XXXX, they declined to provide XXXX for almost an hour and eventually provided me a number that does n't connect to anyone 's phone in the resolution department. ( This is not the first time that the bank has provided me an inactive phone number or a phone number that links to a voicemail box from which you will not receive any reply. )
Diversified Consultants , Inc has violated the Fair Debt Collection Practices Act section 806 Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

Diversified Consultants , Inc has violated the XXXX Fair Debt Collection Practices Act 58 70 100. Harassment. ( 3 ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

Diversified Consultants , Inc has violated the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular telephone using automatic telephone dialing system ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). 

Diversified Consultants, Inc. violated the Fair Debt Collection Practices Act specifically section : 809. Validation of debts requirements [ 15 USC 1692g ]. 

Diversified Consultants, Inc. violated the Fair Debt Collection Practices Act specifically section : 807. False or misleading representations [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

Diversified Consultants, Inc. violations of the Fair Debt Collection Practices Act, XXXX Fair Debt Collection Practices Act, and Telephone Consumer Protection Act are documented as follows : Repeated Robocalls to my Cellular Telephone ( XXXX ) XXXX XXXX, XXXX XXXX/XXXX/2015 XXXX XXXX, XXXX XXXX/XXXX/2015 XXXX XXXX, VA XXXX/XXXX/2015 XXXX XXXX, XXXX XXXX/XXXX/2015 XXXX XXXX, XXXX initial contact was XXXX XXXX XXXX 2015 via telephone as documented. However, Diversified Consultants XXXX Inc. failed to mail a written notice of collection containing a consumer 's dispute rights under the FDCPA within XXXX days after the initial contact. Diversified Consultants, Inc. failed to mail such written notice. 

Diversified Consultants, Inc. telephone calls to my cellular number are direct violation of the XXXX. Diversified Consultants, Inc. failed to provide any meaningful information during such calls ; all in violation of the FDCPA and XXXX. Instead Diversified Consultants, Inc. continued to call my cellular number to repeating have my telephone to ring as forms of harassment all in violations of the FDCPA, XXXX, and XXXX.
they call at least 6 times per day and sometimes even while im on the call with the company they are calling me on the other line.
I never had a problem with this company until the last month they were collecting on my debt. They were collecting on a   XXXX   XXXX   credit card. We had a payment plan set up with them since    2014. D uring my mortgage application process, the company asked for documentation of the payment. When I ca lled FMA Alliance to g et written documentation they informed me they were no longer collecting on the account. This was never verified in writing. I explained to them the situation and asked for payment history to be sent. I c alled three different days in  early  XXXX . Each time the person told me that they will mail me the payment history and to wai t 10 business days. After 10 business days, I still did not receive anything. I called again and was transferred to a manager,   XXXX   XXXX . She told me that because they were not still collecting on the account they did not know if they could even give me verification of the payment history. She told me she would call me back. I never received any verification or a call back. I wrote a letter to ask for written documentation of my payment history and to verify they are no longer collecting on the debt. I still have received nothing. Then today I received a call from the company trying to collect a debt for a completely different person. This is completely unorganized. There is no reason I should be able to get a letter stating I was making automatic payments for years in order to obtain a mortgage. I have never heard of a company with holding this information from a client before. I made automatic payment for years, I would just like verification of this.
Wells Fargo h as opened an unauthorized account in my name. They will not tell me if it is a savings or checking account. Aroun d 1-2 ye ars ago, I registered for their  XXXX  service with the email  XXXX  XXXX  XXXX . Somehow they got another email address of mine (  XXXX  XXXX  XXXX  ) and used it to open an account to which a person named  XXXX   XXXX  has been sending money. I get the emails from  Wells Fargo. These are legitimate Wells Fargo em ails. Each time I bring it up they try to blow me off by saying it 's some kind of phishing scam. They are liars. These emails contain legitimate links to  Wells Fargo 's website and legitimate contact information. Wells Fargo is doing something shady and using my name and email   address to do it. I do n't know anyone named  XXXX   XXXX  and I do n't have and never had any account  XXXX .  Wells Fargo  pretends this account does n't exist yet they are sending multiple emails to me each month about this account receiving money. I will provide screenshots of several of these emails so that you know that these are indeed coming from  Wells Fargo. I h ave deleted most of the emails but after a while it got so annoying that I started saving them. Please review the uploaded documents.
I have disputed this debt and I have attempted to get the debt validated from the collection agency which they refuse to do. Instead of validating the debt they have sent me old bills explaining a balance that does not belong to me. I am not responsible for this debt and would like to have it deleted from all three consumer reporting agencies.
Hello, I received a piece of mail from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. It stated that I have a debt of {$110.00} owed to " XXXX XXXX '' It says " Collection Notice : Your account was previously listed with another collection firm and re-assigned to this office for recovery. Please remit payment to this office by mail or visit our self-service XXXX. '' I am concerned. They have my full name and my address. I have never been signed up for XXXX XXXX. I do not have any debt to XXXX XXXX. I have never been associated with a XXXX XXXX account. I'm 100 % certain I would not have a bill or any debt outstanding to that company. This is a scam and they have offered little to no way to dispute this claim. Again, I am concerned and would like to resolve this as soon as possible. I'm not sure how to prove that I have never been associated with XXXX XXXX.
Carter-Young INC is reporting an account that is entirely invalid. Over the last year I have been writing them to get them to fix the problem, but fraudulent companies are just that ... fraudulent. While I was on XXXX XXXX in the XXXX at XXXX XXXX, XXXX., I lived in an apartment outside the gate. Surely enough, I received XXXX XXXX to XXXX XXXX, XXXX. These XXXX when signed by my company XXXX and presented to the property managers takes me out of the lease 1 month after me showing them the orders, because, ol ' Uncle XXXX is forcing me to move.
XXXX XXXX, 2017, BankMobile desposited my XXXX XXXX XXXX refund of {$720.00} into a JP Morgan Chase bank account that is not mine. I 've made several claims, spoke to dozens of representatives and " customer service specialists '' from each of the companies and they all ran me around in circles. I just want my refund so I can get the things I need for school. It 's been two months and still no results or explanation on how this even happened or how they can fix the problem.
The four major credit bureaus, XXXX, XXXX, Equifax, and XXXX are failing to list 2 credit cards that I have active and current on my credit bureau reports. 

The 2 credit cards are issued by XXXX XXXX XXXX. I have contacted the bureaus numerous times in writing to dispute this omission. They have done nothing, and still do not show these 2 credit accounts as open. 

One credit card is in my name. The other one I am an authorized user on the primary card holder 's account. 

I have also contacted XXXX XXXX XXXX in writing, and they say that it is a problem, but that I have to have the credit bureaus resolve it, from here on out. 

The bureaus failure to list the 2 credit cards on my report is hurting my credit score, as these card accounts have been open a long time and I have never missed a payment on them. 

Please get in touch with all 4 major bureaus and make sure they start listing these 2 credit card accounts as open and current on my credit bureau reports. 

Thank you so much.
Portfolio Recovery is reporting on my credit reports a debt they say I owe of {$430.00}. After two letters asking them to validate this account with viable evidence, bearing my signature that this account is mine, they have not complied and repeat saying the debt is mine. I requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them and they ca n't come up with any documents. Furthermore, I have requested they make this account disputed on my credit reports but they have not ( copy attached ). If they can not validate this debt then it is a violation of the Fair Debt Collection Practices Act and they must delete all reporting of this account to all credit bureau agencies.
I have contacted   XXXX   XXXX   credit union several times, regarding an account that is being reported on behalf of a company in error. I have supplied   XXXX   XXXX   with documentation from the company, by the name of  XXXX   XXXX   XXXX . I submitted to  XXXX   XXXX  a letter that stated they are not able to provide proof of debt because they have no records of me on file.  XXXX    XXXX   has failed to delete that creditor off of my report after receiving notification from the alleged company. I have written to  XXXX   XXXX  as well as submitted to them all correspondence letters between my self as well as  XXXX   XXXX . I am requesting for the claimed debt to be deleted off of my credit file in the amount {$11000.00} reference to  XXXX  account. This has been an on going investigation since  XXXX  and the creditor has not been able to validate the claimed debt. Therefore, four months later this debt should be considered invalid and deleted.
You have wrong name, XXXX XXXX XXXX which it 's not me, you have wrong address, you have wrong employment info, have never worked for XXXX.My name is XXXX XXXX not XXXX XXXX XXXX.
I TRIED TO MAKE PAYMENT WITH MY AMERIAN EXPRESS CARD TO XXXX CELL PHONE COMPANY FOR XXXX AND TWO TIMES THE XXXX SITE SAIN IT COULD NOT TAKE THE PAYMENT DUE TO INSUFFICIENT CREDIT AVAILABLE. i CALL AMERICAN RIGHT AWAY AND THE REP SAID SHE DID N'T UNDERSTAND BECAUSE THERE WAS MORE THEN ENOUGH CREDIT LINE TO PAY THE CHARE AND AT THEIR END IT SHOWED XXXX CHARGES FOR XXXX BECAUSE WHEN AFTER MAKING THE FIST ATTEMPT AND IT WOULD ACCEPT THE 1ST CHARE I TRIED AGAIN AND XXXX WOULD NOT ACCEPT, tHE REP SAID THE CHARGES WOULD DROP OFF AFTER XXXX 10 DAYS AND WOULD BE PUT BACK ON MY ACCOUNT, HAVING FAITH THAT IT WOULD I MADE A XXXX PAYMET TO MY AMERICAN EXPRESS CARD AND LATTER THAT WEEK I TRIED TO PAY MY XXXX BILL FOR XXXX same thing happened, i spoke to customer service on XXXX XXXX th to a woman named XXXX XXXX ID # XXXX she assured me by XXXX XXXX the charges would drop off aND WOULD BE CREDITED BACK TO MY ACCOUNT, TODAY IS XXXX XXXX TH NOTHING CHANGED. I CALLED AMERICAN EXPESS AND THEY DAI THEY CAN NOT FIND ANY RECORD OF THESE CHARGES BECAUSE THEY DROPPED OF, CONVIENTLY THERE IS NO WAY TO TO PROVE IT BECAUSE THE RECORED OF THESE TRANSACTION HAVE BEEN REMOVED, MAKING IT POSSIBLE TO NOT RETURN THE XXXX FROM XXXX THAT THEY SAID THEY PAID TO THE MERCHANT? THE REP I SPOKE TO ON XXXX XXXX TH AT THAT PIONT IN TIME INDEED FOUND THE CHARGES AND AGREED THAT ONCE EVERYTHING CLEARED OUT Y AVAILABLE LINE OF CREDIT WOULD BE XXXX, NOW aMERICAN eXPESS SAID TODAY THEY CAN NOT FIND ANY RECORD THAT I EVER EVEN TRIED TO PAY XXXX AT ALL!
XXXX XXXX  and transunion has taken more than 30 day for my dispute a violation of the cra sent police report
There are 4 student loan accounts showing up incorrectly on my credit report. The highest balance on these accounts are {$1500.00}, {$8000.00}, {$2700.00} and {$3500.00}. There must have been a paperwork error as all the rest of my accounts are showing on time. I was in a deferrment period during the times of the lates that are appearing.
We were given a 4 month trial period plan agreement to an FHA-HAMP loan modification starting XX/XX/2018. We made the XXXX and XXXX payments. 
As of XX/XX/2018 Bank of America sent us a letter saying we missed the XXXX payment. They are threatening to send us into foreclosure and make us homeless. 
We had called them on the phone XX/XX/XXXX to make the payment using correct bank routing and account information verified by our credit union. The money is still in the savings account we gave them permission to withdraw the funds from. We have been calling them several times to make sure they get the payment, but could not resolve the issue with them. Now, due to their inability to make a simple ACH transaction out of our savings account, Bank of America is giving us 30 days to make other arrangements to live! 
We have been calling them since the first attempt to pay on XX/XX/XXXX up through XX/XX/XXXX.
I sent a validation letter on XX/XX/XXXX to Santander USA. They were unable to provide proof of validation. On XX/XX/XXXX I called XXXX XXXX which was the creditors that the so called charged off account of 2 or more years was sold to with a balance. How was this possible? I called Santander Consumer USA on XX/XX/XXXX as well and asked the representative and had questions about the carry-on of this debt and how was it validated and how was it sold if it was in question allegedly charged off? She could not provide me with any information of accuracy ( address or phone numbers ) on this account. I was immediately transferred to a supervisor even though I did not ask for one. Once I spoke with the supervisor she also did not provide me with the information either on any of these reporting or findings could be proved. Was in a hurry to get me off the phone when I was asking questions about this account.
Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting XXXX accounts to my credit reports, all the same, account number but different amounts totaling {$41000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to XXXX XXXX and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 

I provided copies of my 8 different letters addressing each line item on my credit bureaus and copies of the signature required service proof of delivery receipts via UPS along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Ally bank claims that we missed 2 back to back car payments. We have bank statements proving the money was taken out of our account by the due date. They claimed it had been reversed but no where in our statement was the money returned. They claim that in their system we only missed the month of XXXX. 4 different months were reported on 3 different credit reports as being late payments. Our car payment is {$340.00} a month, sometimes we are charged that, sometimes we are charged {$100.00} more. The first time I called to get this resolved the woman stated that they had a glitch in their system and our payment was now late for XXXX. We set up auto withdraw payments 3 times and they had been working. She was very rude and refused to let me speak to someone higher. She said she would investigate the issue. My husband made me an authorized user as well. That was Friday, today is Monday. I just called and the woman that answered said that the entire system was down and she couldnt access any accounts, she said to try again in 2 hours. I  called back 10 minutes later and tried to speak with another woman who said I wasnt an authorized user on the account ( she had no issue accessing the account ). Next, we tried to log into our online account and they have it locked. Not only are they charging us sometimes {$100.00} extra a month, but they are falsely reporting to the credit bureaus. We are trying to buy a house and no one will approve a loan with 2 back to back missed car payments.
On XX/XX/XXXX I took out an installment loan with CashNet USAfor XXXX. This was done over the internet. Payments would be XXXX a month x XXXX payments @ 189 percent. They never sent me a visible contract only partial. The women I spoke to there said the loan could be paid off sooner. The contract was not forthright nor visible. 
One month later XXXX was due on XXXX/XXXX/2017, electronically, which was paid. However, they later demanded payment every 2 weeks. The first payment went all to interest and XXXX to principle. Next payment before due contacted 5 times before due date, harassing me. 

Even though I had not defaulted they were always threatening me. I look them up on their website, and found CashnetUSA is not licensed for installment Loans in California, only payday loans. My agreement with them was an installment loan.