WillisBack/dataset-financial-user-claim huggingface dataset:
This company continues to report accounts to my credit profile.

They are aware that i XXXX XXXX and want me to send over a P.O.A. That is not mandated by the FDCPA nor Debt collection laws in the state of Florida.

Please Validate any and all account pertained to me in your office and send firm proof of the alleged debt.

Account Reference : XXXX. this is the only reference number i have but they are reporting three.
This is continued dispute of a previously documented case. 

XX/XX/XXXX I secured a mortgage with Bank of America XXXX FHA Home Loan XXXX as a first-time homebuyer. At the time I was offered free " debt protection '' for 1 year ; in the event I could not make a monthly payment on time, debt protection may apply.I was not provided adequate disclosure of the debt protection product given my knowledge as a consumer and the circumstances involved in securing a first-time homebuyers loan. It was not clearly explained to me what this did and did not cover, but I was advised to accept it due to its free nature. XX/XX/XXXX, I realized that I had been enrolled beyond the 1-year mark and was being charged a monthly fee via my escrow account. No communication had been made to me that I was auto-enrolled beyond the free " trial '' period. I had been billed for an extended period without my knowledge. Further, I also encountered difficulty paying my monthly installment around the same period ( I was a XXXX student prohibited from working and thus relying on savings and grants ). Realizing that I had " coverage '' without having known, I called customer service to request the debt protection and allow me some time to pay the installments without penalty. I was advised that debt protection did not apply to this scenario, only a select few ( that were likely not to happen ). 

As a consumer, the debt protection offering was presented in a way that favored BofA, and not me. My savings, credit, employment history were scrutinized very closely and thus it was fairly clear I was not going to need protection during the free 1-year period. Further, it is very unlikely a consumer will remember they opted for a free service, gone unused, after a full year. 

My issues are that I was 1 ) being charged for an add-on product that was marketed with a free trial, but information around the auto-enroll process at the end of the trial was not clearly conveyed either at the start of the trial or the end. It was added when I was signing a substantial amount of paperwork for a first-time homebuyer FHA loan. I was apparently sent XXXX piece of mail to inform me of the impending fees at the end of the trial ( I do not recall receiving this, but I have read the attachment ). It is not unreasonable to say that a single piece of what looks like marketing material would be insufficient to inform customers. I received much more notice, for example, when my mortgage was being transferred to a new financial institution. 2 ) My XXXX issue was my attempt to use the product prior to cancellation, but being told I was ineligible for the benefit.The terms and conditions were written in a manner that was not easily conveyed when signing a mortgage unless you were a lawyer. 

The bank offered a courtesy refund of XXXX months ; I appreciate that but I would like to request the entire amount charged over the period be refunded to me.
In 2013 I received a tax form XXXX from XXXX Bank XXXX XXXX which is a cancellation of debt for this credit card for XXXX. I was required to pay taxes on this amount in 2013 which I did. Currently my credit report still states that my balance is XXXX. This is not correct. This balance was charged off and the debt was cancelled. If the balance was cancelled and I already paid taxes on this amount, how can I still have an outstanding balance on my credit report. The " Balance Amount '' on my credit report should be XXXX. I have been wrongfully denied credit for a Home Loan, which has been devastating for my family. XXXX bank should be investigated for this illegal practice of trying to collect debt, after it has been cancelled.
XXXX XXXX XXXX -XX/XX/XXXX- {$430.00} XXXX XXXX XXXX- XX/XX/XXXX- {$4700.00} THE DEBT AMOUNT IS INCORRECT I HAVE REPEATEDLY ASKED THEM TO VALIDATE THE ACCOUNT OF WHAT THE CORRECT AMOUNT SHOULD BE AND I KEEP GETTING THE SAME INFORMATION I ALSO REACHED OUT TO THE ORIGINAL DEBT COLLECTOR XXXX XXXX XXXX  BUT NO RESPONSE.
I have submitted two to three disputes to Experian regarding a bankruptcy and inquiries.

I submitted the bankruptcy disputes onXX/XX/XXXX andXX/XX/XXXXboth came back verified even though I had CLEAR documentation from the Courts stating they do NOT report to any credit agencies. I received a letter from Experian stating they will not dispute again because I did not submit relevant documentation which is FALSE. On both disputes I submitted the RELEVANT documentation they're asking.

Inquiries : I NEVER received any response to my inquiry disputes as well. I submitted them on XX/XX/XXXX - First Dispute XX/XX/XXXX - because they only updated one dispute and IGNORED the others.

XX/XX/XXXX - because I thought they may have slipped through the cracks with the online submission. All of this is a clear violation of the FCRA as it is a requirement to investigate or notify the consumer as to why they wouldn't investigate which this didn't happen either.
Information from Capital One recently appeared on my credit file. This account is not owed. It reports as opened in XX/XX/2018. I recently opened a new account with Capital One this month.
In XXXX XXXX XXXX Equifax after investigation remove collection account from my credit from XXXX XXXX XXXX Account # XXXX for {$83.00} conformation # XXXX. In XXXX collection account come up again in my credit. I submit complain to CFPB case # XXXX. In XXXX XXXX XXXX I receve responce from CFPB stated collction was removed. In XXXX XXXX I check my credit and Equifax and XXXX show collection for {$83.00} from XXXX. I need you help to permanantly remove this collection from my credit.
My mortgage was bought by First National Bank of PA  from XXXX XXXX in XXXX. 

I received a letter from both XXXX and XXXX XXXX about the transfer. However, the first payment listed on correspondence from First National dated XX/XX/XXXX stated that my amount due was {$1700.00}. This is double what I had been paying XXXX. So I called XXXX XXXX Bank ( henceforth referred to as XXXX ) to settle the matter. 

During the call I was told that XXXX had not yet received documentation from XXXX and that I should not make a XXXX payment. I expressed concern that I would accrue interest or get a credit ding for a late payment. I requested a written letter stating that I did not have to make the payment, but the woman on the phone said it wasn't necessary and assured me that everything was fine. Payments would begin on XX/XX/XXXX, no interest would accrue and no credit dings would be reported. 

In XXXX ( XX/XX/XXXX ), I got a letter from XXXX informing me that my account was delinquent. So I called back the person I spoke with assured me that everyone was aware of the XXXX problem and that the letter was just auto-generated by the system. I asked if I could access my account to review the information and was told that account was still not set up. Again I was told not to make a payment until XXXX and to ignore the XXXX payment. 

When I called again today ( XX/XX/XXXX ) to see if my account had finally been straightened out, I was blindsided by a representative telling me that my account is 21 days past due. I went through the whole explanation about what had happened and was told that " due to an error in communications my XXXX payment is past due. '' So that means I was told repeatedly not to make this payment, and a week before my next payment is due, their collections department is insisting I pay XXXX. Well as you can imagine, that money is no longer liquid, in fact, it's very solid, in the form of a new sofa table. 

The people I spoke with in collections basically said that it FNBs fault for lack of communication about the situation, but what is in their system is the final word. All the while, I can't see the system. So they messed up big and now I'm dealing with the repercussions. 

I have never felt so helpless and violated.
I sent XXXX a debt collectors validation letter accordingly to the FDCPA they have 30 days to validate the debt. That was not done and Equifax as not removed the debt off my credit report.
The Texas Higher Education Coordinating Board currently services two of my loans. They have, for years, made it difficult to make payments in the following ways : Not accepting XXXX debit cards. Not having auto pay functionality. Using various external vendors to process payments. Multiple dead ends on phone tree, most recently on XXXX/XXXX/XXXX. They have also utilized lax and dangerous privacy policies : Until XXXX, the social security number was the login and date of birth was the password. My main concern is the lack of auto pay functionality and XXXX acceptance. In the current environment the only reason for either is, 1 ) Deciding not to incur the expense of setting up such a system, which is unlikely given the numerous vendors able to implement this. 2 ) Indirectly causing late payments or forcing payment through processes in which they collect fees, both of these in an effort to increase ancillary fee revenue. THECB, as recently as XXXX XXXX, has acknowledged the lack of the usability of both its website and customer service functions, but has done nothing to improve either. It plans in XXXX to spend $ XXXX on compensation servicing approx. $ XXXX worth of loans using XXXX FTE, an unfathomably poor efficiency ratio and a model of government employees enriching themselves at the expense of the tax base and their customers.
My sister deeded me her house in XX/XX/2018 she passed in XX/XX/2018 it is recorded in our county recorders office as well. Her mortgage was notified of this as she has a outstanding loan. Which I have been making the payments. I put the home up for sale and the sale is pending for payoff balance. We can't close now due to the mortgage companies refusal to release the payoff balance to myself or my realtor.
I got a phone call from an unknown number at XX/XX/XXXX, I asked what it was about they told me a Chase account. I explained to the that it is ID theft and that I had a police report to prove it, and I could fax it over he then HU on me. I did not hear anything back until XXXX/XXXX/15 with pre-recording to call XXXX I called the number back and tried again to explain this was due to ID theft, the lady said that they called Chase and they said they had nothing showing it was ID theft, I explained to her that I had also called them and they had no clue what I was talking about, I then tried to explain to her that I have proof and she hung up on me. I called back asked for a supervisor and she refused said there was no one above her, I explained XXXX and I know that there is someone else I can speak with that was not so rude. she then said that if I was XXXX I should pay my bills, I told her that she do n't know me and that I do pay my bills and she hung up on me again. I called back and asked her to please have a conversation with me so I can explain to her what has happened and she just kept over talking me and yelling that they do n't belive me and that because I am a XXXX I have just found ways not to pay my bills. I told her to stop prtending like she knows me and to listen to what I had to say and she told me they are unwilling to work with me because I was irate. I told her I am not Irate I was just trying to explain the situation and she said do n't call again and hung up on me again. I called back and told her that I want to get her fax number so that I can send over the police report and she threatened to sue me if I called again, I told her I do n't understand you called me and I am calling back to explain and she just hung up on me again.
I was released from my teniored job last year and informed Navy Federal. I continued to make payments throughout this year as I could. I was then referred to a special collections department who allowed me to make small payments to show effort until my full time job started at the end of XXXX. My collections specialist XXXX XXXX was in an accident and a schedule check payment was unable to be stopped but was rectified by an ACH transfer later that week before the returned check. On XXXX XXXX our account was placed for repossession and picked up the same night. Tuesday we called into Navy Federal and they explained it was because of bounced payment checks after having our Collections Rep explain the accidental submittal we were directed to another department. That department is Fiance Management. An agent by the name of XXXX ( only XXXX she said in department ) took an application for deferment through XXXX XXXX 2016. We accepted the terms and awaited the Repossession division of Navy Fed to send a release so we can pick up our car at XXXX XXXX XXXX. Two days have passed and they refuse phone calls or to provide documentation of said agreement. The repossession department has told the XXXX XXXX not to even speak to my fianc that I had relinquished rights to speak on my account on every occasion and that they are refusing to release the car even with the deferrement showing a zero balance due and only the repossession fees to be paid at the XXXX XXXX. It is my belief they are intentionally holding my vehicle to either remand custody or to rack up fees as punishment as they have continually reprimanded me as if I was their child and dehumanizing me with their lack of action. I rely on this car and have been very corporative through the whole process even before the repossession. No one at Navy Federal says they have authority to protect my consumer rights I just have to wait it out. This is inexcusable and has put my family in a downward spiral.
I'M not sure on the date. But I order out of the catalog I got in the mail. I bought five bed spread, a bed skirt, pillow shams and a set of towels. And I returned it all back to the company. And the amount XXXX. And they never took it off my account. And I told them to fix it and I would pay my balance. And never would fix it
My Chase Bank Credit Card was discharged. Then we started receiving letters from different collection agencies collecting a debt on behalf of Chase Bank U.S.A., NA. Companies like XXXX XXXX XXXX , XXXX, in XXXX, OH XXXX. Then Chase put the debt on my wife 's credit report. The credit card was in my name only. Chase keeps harassing me with calls to my home and cell phone and sending me letters for a 8 year old debt that was discharged.
Protas, Spivok and Collins ( PSC ) works for debt collectors, s uch as  XXXX   XXXX  and  XXXX    XXXX   to unethically garnish wages and collect on debts already paid. See online complaints :   XXXX   XXXX    XXXX  Report : #  XXXX  and   XXXX   XXXX    XXXX  Report : #  XXXX  Mine is yet another case of  Protas, Spivok and Collins going after a debt already paid. I paid my debt ( for a credit card ) i n   XX/XX/XXXX .  It is now 13 years later,  XX/XX/XXXX . I have documentation that the debt was paid. PSC is not willing to accept it. They put a court order through to garnish my wages at 25 %. I created a motion to vacate judgment ... but it takes time. The garnishment will begin before the case can be heard. I contacted my bank to see if I could get an old bank statement or cancelled check, but banks keep their records for 7 years only. They can not go back further than this . PSC knows this ; it is a part of their strategy. Many people shred records after 7-10 years. PSC knows this and counts on this as well. Others who have complained said that PSC came after them 13 years after they paid a debt, just like me. PSC also charges interest on all the supposed years the debt was not paid, so my debt, just like the others who have complained is 3 times the amount of the original debt that was ALREADY PAID. Protas, Spivok and Collins are extortionists and need to be stopped. Too many people 's lives and wages  are being drained and damaged by their unethical debt collection practices years after records are destroyed.
The original creditor submitted bills to a wrong address in my name. Upon finally receiving the bills from the addressee in error ( a resident on my street ), I contacted Americollect through letter explaining that The billing address was incorrect and I 'd submitted payment to the creditor, XXXX XXXX XXXX. This collection still shows current on my credit report.
My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, XXXX XXXX student loan, loan # XXXX. The loan came out of deferment in XXXX  2018 ; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted XXXX XXXX to update my address and set auto pay to ensure timely payments.

As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested XXXX XXXX retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay.

XXXX XXXX refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and XXXX XXXX   should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately.

Thank you very much for your assistance with this matter.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
There is a previous complaint about this company from me. I am writing because my parent 's savings account was levied by Messerli & Kramer. The bank got their notice on XXXX XXXX, mine was n't mailed until XXXX XXXX. I received the paperwork on XXXX XXXX, and the money was already removed before I had the chance to file an exemption. I also filed an exemption with this company on XXXX XXXX, 2015. The savings account that was levied only has my name on it in case something should happen to my parents. We are clearing that end up at the bank, but the fact remains that I was NOT allowed proper time to file my exemption with them before they sent the form to the bank. This happened once before, years ago, and I did file a complaint. 

I have been making my payments. They claim they did not receive the XXXX payment, and I know the first XXXX payment did n't make it through the bank so I immediately re-issued the payment and then continued on in XXXX. Their amounts do not reflect the proper amount owed on the account. 

I KNOW that they have to provide me with enough time to file my exemption in the case of a garnishment or account levy. They will claim it was a different account number, however, all amounts show the SAME account number. I feel I am being harassed nonstop by these people, after we have made an agreement. Please make them STOP!!!!! I am TRYING to get this debt cleared up, repeated attacks from them after we made an agreement are not helping!!!!! 

I am attaching documentation, however, I am not attaching every receipt, as you have all of that from my previous claim and I doubt that you want to read through it all again. I WILL provide it if necessary. I have provided the garnishment/levy notice, the date it was postmarked, the date the funds were levied from my PARENT 'S account and the original settlement letter. Please let me know if you need anything else. 

Thank you so much for your time!
Theres a inquire on my credit report I have no knowledge of and trying to get it removed but the creditor is not trying to remove it I tried reporting it as fraud but still nothinf
There are 3 tax liens showing on my XXXX Credit Report. This should been deleted due to the enhanced standards now required to show these items. These liens do not have my DOB or correct SS number and therefore should be deleted. I disputed these 3 items via XXXX website on XX/XX/XXXX and XXXX sent me an email notification on XX/XX/XXXX that they have confirmed these items and would they would not be deleted. This is causing me financial harm as I 'm in the process of refinancing my mortgage and the erroneous tax liens are negatively impacting my FICO score which in turn puts me in a higher interest rate program.
The collection agency account is showing that I have an open balance of {$73.00} on my XXXX  credit report which is showing as a derogatory remark ... The full balance was PIF and cleared my bank on XX/XX//18 ... I was promised that it would be cleared from my report within 60 days. This needs to be removed from my report. 

Collections : XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX Creditor : XXXX XXXX XXXX
As of XX/XX/XXXX, TransUnion is reporting on my credit report that I had a XXXX credit card from XX/XX/XXXX-XX/XX/XXXXthat is status " Charged Off ''. However, when I call XXXX, they confirm they have no record of me and that I have never had an account with them. I filed a " dispute '' with TransUnion but their investigation result is that the account status is " verified and accurate. '' XXXX did not have this account listed in XX/XX/XXXX.
Hi, my report says I was late on mortgage for many months, the truth is I was going through a harp process and I made all payments as required under the terms of harp. I was approved for program and made all payments to them, Wells Fargo/asc did not talk to each other during process but that 's not my fault, I swear I made payments on time, or else I would n't of gotten approved for harp. Wich I did!!!!!! do someone over there is not doing there job correctly and does n't care about my credit which I 've been doing much better on thanks to XXXX. Thank you. There 's XXXX more problems on report, thank you and I look forward to your response.
I do not have a contract ( s ) with Credit Control Corp. I am not liable for the collection of this debt from XXXX. I am not responsible for this debt.
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX, Analyst. I had filed a complaint against Nationstar and their lack of a loan modification without reason and imminent foreclosure ( now XX/XX/XXXX ). She had also attached letters from a XXXX XXXX, from XX/XX/XXXX and XX/XX/XXXX. What surprised me was the letters from Nationstar as I have never received any correspondence from them. It stated there were XXXX modification reveiws done in XX/XX/XXXX and XX/XX/XXXX, yet I never received any information from Nationstar and no explanation as to why I have been denied. My main goal is to remain in my home and work out a modification. My address is : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX
I am appalled of the way US Bank has handled my loan. I have tried to work directly with my specialist however, US Bank has only sent me letters stating they will have a decision soon but nothing is getting done. US Bank is prolonging my case and not providing me my settlement. I am livid because I have wired over {$200000.00} to US Bank and they still want more money. I do not have any additional funds available I gave US Bank all the money my husband received from a severance package of {$20000.00}. I wired all the funds to US Bank and they did not give me any credit until I started to complain. I need my settlement as I was told through a recorded call. I do not want to involve any attorneys therefore, I hope US Bank can pull the recorded calls because is not fair that I gave them all the money me husband received. To make matters worse I was not able to use any of the funds to pay my husbands hospital bills ; this is really devastating.