WillisBack/dataset-financial-user-claim huggingface dataset:
Financial Control Services , LLC ( FCS ) is in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, FCS has violated the following provisions of the FCRA and FDCPA. 
FCRA : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) 15 U.S.C. 1681s-2 ( a ) ( 3 ) FDCPA : 15 U.S.C 1692c ( c ) 15 U.S.C 1692e ( 2 ) ( A ) I originally received correspondence from FCS of an alleged debt dated XXXX XXXX, 2015 ( Attachment : FCS Debt Notification ). I replied to FCS in regards to this correspondence on XXXX XXXX, 2015 asking for validation of the alleged debt ( Attachment : Debt Validation Letter to FCS ). I also requested that FCS " cease and desist. '' This correspondence to FCS was sent via United States Postal Service ( USPS ) using certified mail receipt and delivery confirmation. My correspondence was received by FCS on XXXX XXXX, 2015 by FCS 's employee XXXX XXXX ( Attachment : FCS Dispute Letter Receipt ). FCS provided correspondence dated XXXX XXXX, 2015 ( Attachment : FCS Dispute Response ) in response to my dispute notification. In the correspondence, FCS stated that they were ceasing collection efforts and removing the account from all consumer reporting agencies. 

On XXXX XXXX, 2015, I received a notification from my credit monitoring service, Identity Guard, that a new account had been placed on my credit report. This account was an alleged collection account reported by FCS with a balance of {$620.00}. This is after FCS stated that they were ceasing collection on this account and that they were not reporting the account to the consumer reporting agencies. 

FCS is in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) because they are reporting information that they know is erroneous. FCS is also in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) because they are reporting information after I sent them notice of the inaccuracy of this debt and they confirmed the errors. Additionally, FCS is in violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ) because they have not annotated the account as disputed and are still reporting this disputed account on my credit reports. 

FCS is in violation of 15 U.S.C 1692c ( c ) since an employee named XXXX at extension XXXX contacted me several times after I provided written notice to FCS to cease communication. FCS is also in violation of 15 U.S.C 1692e ( 2 ) ( A ) by falsely representing the amount and legal status of the debt. 

As per evidence presented above, FCS is in violation of multiple provisions of the FDCPA and the FCRA. I request that FCS delete this tradeline from all consumer reporting agencies including, but not limited to, XXXX, XXXX, XXXX, and XXXX.
Threatening to garnish my wages from a debt that I have no clue about, calling family members continuously. Want to know my employememt, and address.
Received 2 letters from same creditor, stating pay by a certain date, or legal action may occur. I receive ALL of my income from Social Security, and the VA, which is EXEMPT from garnishment, with the exception of federal debts, or child support. This is in regards to credit card debt, and I have been assigned a federal fiduciary, which further protects me from debts. I am in a forbearance agreement with my mortgage company. I am currently battling XXXX XXXX XXXX, to which I prefer recovery, instead of stress, from debt collectors. I also suffered a XXXX XXXX on XX/XX/2017.
XXXX  from  Zingo Cash c onstantly calls me at work. I can not accept personal calls at work.
Equifax has suffered a data breach which has the potential to severely impact me. They were negligent in protecting my data.
Our mortgage was sold to GreenTree from XXXX in XXXX, 2013 and from XXXX, 2013 we have had nothing but problems. First they started calling XXXX times daily. When we would return the call and was transferred through several people they talked to both my husband and I like we were ignorant. When our payments are made they are often held. I have something showing on my statement " unapplied funds '' and " Corporate Advance Balance '' and when I inquired about this I was told it was a government charge. We attempted to get a Hamp or Harp modification and was denied for both of those ; however they did modify our mortgage AT THE SAME INTEREST RATE AND EXTENDED FOR 40 YEARS. At this rate we will never get the mortgage paid off. I have misc. charges like Appraisal-inspection fee that I know nothing about. I have also included a breakdown of my payment history and as you will see there are several speedpay charges. If fact even though it shows some paid in cash I have NEVER sent them cash. We were told the only option we had to pay WAS speedpay. I have been in the mortgage/banking division for almost 20 years and I can not make sense of how they are applying any of my payments. I also would like an exact explanation as to why we were denied the HARP modification. My monthly payment including escrows should be {$800.00} but I have never received a statement showing that account. We I call to question anything I can not get a straight answer, am constantly transferred to another person only to be told that I have no idea what I am talking about. I understood the whole modification process was to help struggling homeowners, not treat them like trash. I have reached out all over social media and have not found XXXX person they have modified who is not have issues with them. I would like to make a payment and have it show amount applied to principal, interest and escrow and not all of these other " '' accounts '' they are putting my money in to.
Amsher collection agency had reported 3 debts to the credit bureaus without sending any notifications by mail therefore not giving me my right to dispute the validity within 30 days
Mortgage on my condo serviced by Ditech Financial LLC, XXXX SD. Phone XXXX ; however when calling that number I get a customer service center in XXXX TX. 

Sold and closed on condo on XXXX XXXX. Ditech claims they mailed me a check for the balance of my excrow account in the amount of {$650.00}. Check did not arrive. Told there would be a wait until another check could be issued. Followed up and was told another check had been issued and mailed. They always tell me it will take 10 to 14 days for the check to arrive. That check did not arrive. Telephoned and insisted on talking to a supervisor. He, XXXX, told me that they are having system problem and although system showed payments being made, in fact, they had not. Told checks will now be issued on XXXX XXXX, XXXX. He told me it would be 10 to 14 days for check to arrive!!!! His extension at the above # is XXXX. I checked with XXXX. In XXXX they settled over XXXX complaints against Ditech and over XXXX complaints in XXXX. 

The condo is located in XXXX IN. Address is XXXX IN XXXX
We have a short sale approval from Wells Fargo. The approval is valid to XX/XX/2016. The Approval specifies " You, as the seller, must advise your settlement agent that they must contact Wells Fargo Bank , N.A . no later than 48 hours before the scheduled closing date and provide a copy of the final HUD-1 Settlement Statement. '' Closing was scheduled on XXXX and I provided Wells Fargo the requested items on XX/XX/2016. These items were emailed to XXXXXXXXXXXX ' ; XXXXXXXXXXXX ' ; XXXXXXXXXXXX ; XXXXXXXXXXXX I contacted Wells Fargo on XX/XX/2016 XXXX inquire on the status - I did not receive a response. I contacted Wells Fargo again on XX/XX/2016 ( one day AFTER we planned to close ) Wells Fargo finally responded and requested the closing documents that I already sent XX/XX/2016. 
The buyer is very upset that this has been delayed and Wells Fargo failed to process the final closing documents efficiently and put the sale in jeopardy.
TJX Rewards/SYNCB is not in compliance. According to the FCRA TJX Rewards/Synchrony Bank is in violation of the FCRA. In XXXX of XXXX when I received my annual credit reports I noticed TJX Rewards/SNCB was not reporting accurate data to all major credit reports. I have attempted in XXXX of XXXX, XXXX of XXXX and XXXX XXXX XXXX after disputing and receiving an update credit report from XXXX and XXXX the dispute was not corrected. What I did notice was that TJX Rewards/Synchrony Bank was not in compliance and violated my fair credit rights by not reporting accurate data. TJX Rewards and Synchrony bank is not giving me any type of rating and are flagging my credit report with XXXX as ( UNKNOWN ). This has been in existing since XXXX of XXXX. My current XXXX Report Number XXXX is dated XXXX XXXX XXXX. Yes, I have utilized my credit card with TJX Rewards/SYNCB in XXXX, in XXXX, in XXXX and have paid off the balance in full every month. For TJX Rewards not to give me credit or rate my credit worthiness is absolutely a violation of the FCRA. When I received my XXXX credit Report Number Confirmation Number XXXX, I noticed TJX Rewards/SNYCB has not reported correct data since XXXX XXXX XXXX. As of XXXX XXXX TJX Rewards/SNYCB is reporting on my XXXX Credit File Number XXXX NO DATA AVAILABLE. This is definitely a VIOLATION of the FCRA, because I have used my credit card with TJX Rewards/Synchrony Bank in XXXX, XXXX, and XXXX. More importantly I am not receiving any type of credit worthiness. This is absolutely a FCRA violation, by not allowing the consumer their fair rights. Furthermore, when I called TJX Rewards/Synchrony Bank to try to resolve this issue. Synchrony Bank, employee XXXX ID Number XXXX, stated to me she could not answer why TJX/Synchrony Bank was not in compliance with the FCRA. Because I have went back and forth for over 90 days with TJX Rewards/Synchrony Bank and the problem is still a credit worthiness problems. I 'm not receiving any type of credit for using or paying my credit card. I felt it was best to file a compliant with the CFPB, so that this matter can be thoroughly investigated and all major credit bureaus will be updated and accurate data will be updated on all major credit reports regarding my TJX Rewards/SNYCB Revolving Credit Card Account. This has went on too long.
I received a statement, dated XXXX XX/XX/XXXX, with a balance {$4600.00} minimum due payment of {$120.00}. Next statement, dated XXXX XX/XX/XXXX balance {$4400.00} with a minimum payment {$120.00}. For the past several months I have received statements with minimum payment due {$130.00} with a balance due {$4300.00}. Statement for XX/XX/XXXX is {$130.00} with a balance due of {$4300.00}. 

I have contacted XXXX where I make my online payment regarding my concerns about my monthly payment statements. When I make contact with there customer service staff, I am told that minimum due payments are set by AAFES. I contact AAFES I get a different response. AAFES says, I have to make a larger payment for my due payment to decrease. I call AAFES again, then I am told by a different customer service staff that I have to make more purchases to decrease my monthly payments.
I was banking with Wellsfargo my account was close without my knowledge and reopening with new account number for authorized charges that they never fixed one was XXXX XXXX XXXX and I have contract them and they havent responded keep saying I need more information and XXXX XXXX that was taking money out of my account every month plus more have contact XXXX and no response so how do I get a refund or my money
Equifax And XXXX XXXX Are Reporting Negative Information On My Credit Report That Is Over 10 Years Old And Closed Over 10 Years Ago. I Have Tried To No Avail To Get This Damaging Information Removed By Contacting Equifax And XXXX.
Navient is reporting late payments on my credit reports from XXXX-XXXX. At this time I was on an unemployment deferement & then a forbearance. I 've spoken to several representatives & most recently XXXX ( supervisor ) trying to get this issue resolved. All have verified that I was indeed deferred at this time but will not remove the inaccurate information. I 'm trying to buy a house & these marks are preventing that from happening. Please please help me get this issue resolved. I 've disputed on several occasions through both the credit bureaus & Navient itself. This has been a nightmare since Navient assumed my loans from XXXX.
There should only be one name and one address on my credit report : XXXX, XXXX Wisconsin XXXX. This is the only name and address that should be used on my credit report.
First I must apologize for submitting a dispute for the wrong credit reporting agency. My problem is having XXXX or XXXX hard copy reports for the purchase of a car. One company submitted a request thee times for my credit report for the car. Is this wrong?
Moved in the house XXXX of XXXX first payment was supposed to be around {$2400.00} per month, but when I received my bill in XXXX of XXXX it was {$1800.00} per month. Instead of {$1000.00} for escrow and insurance Freedom Mortgage only charged me {$460.00}. I called 3 times and was told this was the correct amount. When I called Freedom Mortgage they let me know about {$300.00} was going towards PMI and {$150.00} was going towards escrow ... The house I live in is around XXXX sq feet. There is no way my taxes are going to be {$1800.00} a year. When my wife and I signed the Final Truth -in -Lending Disclosure Statement we signed for {$2400.00} or at least around this amount. Now fast forward to XXXX XXXX, I get a statement in the mail that my mortgage has gone up to {$3800.00} per month. This is over 100 % increase of my mortgage. The shortage is XXXX for XXXX as I pay XXXX county taxes. If the payments where they were supposed to be at around {$2400.00} per month and the Escrow and PMI was at {$1000.00} per month the amount going to escrow would be about {$700.00} that would be about {$8400.00} per year. This would have left me in a better positon to pay back the shortage. Each time I call Freedom the rep that I speak with gives me different answers. I even had one rep say that the reason its not XXXX is because they added your HOA in the payment and this was a manager. It clearly states the amounts for Escrow and Mortgage Insurance. When I called and spoke with them they act like home owners mortgages go up almost {$2000.00} every day. This is not the way to do business. Now Freedom has added in {$14000.00} for next years escrow to add on to my payments. I did my part and called and made sure the amount was correct and I have never missed a payment and never been late. Someone at Freedom Mortgage clearly made a mistake and they will not own up to it. If there is going to be an escrow account it needs to be closer than {$14000.00}. Something needs to be done and spreading my shortage out over 4 years is not the answer nor is refinancing. There was a mistake made on this loan and it needs to be corrected.
It is several accounts that are incorrect, XXXX XXXX XXXX XXXX ( XXXX XXXX online XXXX ), XXXX ( XXXX ) SERVICES, XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX,, XXXX XXXX, ( XXXX XXXX XXXX XXXX ).
Back in XXXX I filed a complaint against XXXX XXXX XXXX to get loan assistance. The case number is XXXX I was able to get a loan modification after I filed the complaint which started on XXXX XXXX  2017. The loan modification specified for me to make XXXX trial loan payments which decreased my payment to {$670.00}. The three trial payments were to be made XXXX XXXX XXXX XXXX and XXXX XXXX 2017. I just found out a week ago ( after making the first trial payment ) that my loan has been sold to Specialized Loan Servicing. Right now, Specialized Loan Servicing has no record of my loan modification. I spent over 9 months working with XXXX XXXX XXXX to get the loan modification approved and wrote to the CFPB and they ended up selling my mortgage loan. I am highly disappointed and upset that this happened. I spoke with several representatives at XXXX XXXX XXXX that advised me that I would not need to make any loan payments for my regular loan amount of {$810.00} while under the loan modification trial period. They advised me that the past due payments would go to the end of the loan once the trial period was over. I would like my trial loan modification to be transferred to the new loan under specialized loan servicing. The new loan account number is XXXX
I have been paying the mortgage since my mother died, on our house. and left the mortgage in my fathers name, out of respect to him, for at least XXXX years ... in XXXX I refinanced to help with my dads medical bills with XXXX ... the state raised our prop tax and my mortgage and escrow was " estimated '' at an insanely high rate and it put me in default ... to save my XXXX father from being thrown out of his home in his XX/XX/XXXX. he filed bankruptcy ... it was discharged in XXXX XXXX after he died ... .He had a living trust ... naming me as the executor of the estate, his power of attorney, and I am on the deed to the property. 
I was then in the process of finalizing the application papers for a PIR/modification when XXXX sold me or dueltracked me in XXXX XXXX to a company called SLS ... .who told me that they were a mortgage company that now owned my mortgage ( that was a lie ) ... and I was then forced to start all over again ... meanwhile they were adding fees, fines and lawyers fees onto my mortgage to the tune of and additional {$20000.00} and counting!!! 
I worked with all the Fed agencies with SLS but SLS kept asking for more docs ... Finally I hired a real estate attorney and together we have given SLS all the docs they would have received from XXXX but wanted more and more. In XXXX XXXX, I asked them for the name of their law firm when they informed me I was 'flagged for sheriffs sale, '' even though we were going thru the modification process ... .I then called their attorney ... XXXX., and spoke directly to their lawyer who verbally and with a letter, assured me my house would not go to sheriffs sale, while we were in the modification process ... they lied again ... In XXXX I got a notice in my mailbox from the XXXX Co sheriff , that my home was slated for auction on XXXX XXXX XXXX!! 
SLS has continually lied to me about who they are, and have done everything to block me from the modification process.. 
They along with XXXX have duel tracked my mortgage and also are in direct violation of XXXXPlease help me ... no American should have to b subjected to these blatant stalling tactics and violations. 
I am trusting that you will find them in violation with an appropriate lawsuit action and demand that SLS comply with the Federal guidelines that allow me a modification/pir that I am more than eligible for and meet the qualifications that they are blocking me from and piling on more fees, fines and lawyers fees. 
Thank youXXXX XXXX XXXX
I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX  XXXX one on XX/XX/2018 saying I owe them {$1300.00} and another on XX/XX/2018 saying I owe them {$880.00}. I called the company explained to them it was fraud they said they were going to look into it within 30 days should be removed. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
I have an auto lease from Honda Financial. Honda Financial reports 2 late payments in my credit reports. I contacted Honda Financial on XX/XX/XXXX and provided my bank 's routing number and account number and requested from Honda Financial to have my account with them on auto pay ( I wanted every month my {$270.00} car payment to be electronically debited from my checking account, so I will never have any missed payments ). Honda Financial representative advised me over the phone that she will set up an AUTO PAY for me. So my first payment was automatically debited from my checking account by Honda Financial after 2 days on XX/XX/XXXX. On XX/XX/XXXX I am leaving the country for 3 months. I came back in to US on XX/XX/XXXX and checked my accounts to see if all the payments went through. I noticed that Honda Financial did not withdraw my 3 months payments. I immediately checked my credit reports and noticed that Honda Financial reported 3 late payments on my account for none payments. I contacted to Honda Financial immediately and I was advised they did not receive my payments. Now Honda Financial refuses to report to credit bureaus that the information they have reported is done by Honda Financial 's mistake. I was on AUTO PAY and Honda Financial did not debit my monthly payments as agreed on XX/XX/XXXX. 
Honda Financial 's mistake damages my true credit worthiness.

The late payments Honda Financial reported is done by it's mistake. 
Please Help to resolve this issue. 
Thank You.
I received a notice from Transworld Systems Inc. that threatens to report me to all national credit bureaus. It also gave me a phone number to call, which I called XXXX times. Each time I called I was placed on hold for several minutes and then the phone would just hang up. This is a very rude and deplorable way to conduct their business.
Step 1 : What is this complaint about? Being harassed and tormented with e-mails every day for a {$5000.00} loan I have to pay back after I sent them a letter asking them to stop contacting me. One Main completely ignored it. How can I pay them back if I dont have a job? My other creditors are not panicking that I havent made my monthly payments. 
Step 2 : What type of problem are you having? I used to be tortured with phone calls every day to collect the debt. I put a stop to that. Now I am receiving emails every day from One Main. Now I am wondering did I take out a loan from a financial company or did I take out a loan from the mob? 
Step 3 : What happened? I do not have a job, I have been trying to get one since  XX/XX/2017. I have applied for over 250 jobs and have not been able to secure gainful employment. I also applied for a job at One Main. No response from them. I am also working with a job recruiter. When I fell behind on my monthly payments I started receiving phone calls every single day. The gentlemen from One Main stated the status of my account and asked when One Main could expect to receive payment. I explained my situation to him and the next day I got another call from him stating the very same thing. This went on for days. I explained my financial situation to the gentlemen from One Main again and again and asked why he was torturing me with phone calls every day and he told me its my job. So, I called their main branch office and got a customer service phone number and explained my situation to them and they put a stop to the phone calls. Now I get emails every day and now a letter saying they are going to turn my account over to an attorney for collection. Is it lawful for a company trying to collect a debt to treat people this way? I really dont know what to do with this creditor. This company is heartless and relentless. They prey on the elderly who are down on their luck. If I call them they will say the same thing to me again that they always have. When can we expect payment on your loan or we have payment options. What good are payment options when you dont have a job. 
Step 4 : What company is this complaint about? One Main ( lending company ) I wish I had never borrowed money from this company. When you go on the internet for One Main there are 2,902 consumer reviews and complaints. 

Step 5 : Who are the people involved? Myself, XXXX XXXX and XXXX XXXX from One Main.