WillisBack/dataset-financial-user-claim huggingface dataset:
The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company CREDIT PROTECTION ASSOCIATION, L.P. to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XX/XX/XXXX, provided onXX/XX/XXXX a  fraudulent debt that leads one to the conclusion that XXXX has on file an account number confirmed to be different from the " Original Creditor ''. The information CPA provided contains False and Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ] in what seems like an attempt to start a whole new contract with the consumer. This is not the consumer 's wish.
On or about XX/XX/2017 I sent a certified letter to Debt Recovery solutions asking that they verify the debt on account, ownership, and legal documentation of their right to pursue debt. They have not responded, it 's been over 30 days. Yet they have added a collection to my credit report. They are in violation of the FCRA.
I have a Bank of America Money Market account open a couple of years ago. Last year year in XXXX XXXX my balance went down to {$500.00} approximate. The bank did not notify me that they will be charging a monthly maintenance fee of {$12.00} after that. I do n't get a paper statement, only today I noticed that the money market balance was down to {$380.00} only due to several months of {$12.00} monthly maintenance fee they were charging. At least Bank of America should notify me that they will start charging fees. I am senior citizen on fix income. Plus I have been a customer of Bank of America since XXXX. All our home loan, equity line of credit, visa are with them for 40 years. Whatever happened to customer loyalty? 
I asked if they could waive these monthly maintenance fee. But they said NO. So I would like to WARN other Bank of America customers for FEES that are popping UP left and right. they also started charging me for safe deposit box fees since last year. I do not receive paper statements because they also charged for that now. Everything has to be on-line. There should be at least grandfather policies for being loyal customers. Bank of America should at least refund the monthly maintenance fee for 11 months they took away from me. ALSO THEY SHOULD BE CONSIDERATE FOR SENIOR CUSTOMERS WHO ARE NOT TECHNICAL SAVY.
Morning, I have never done business with this company, I have never received letters from them. I have files a report with BBB. I have never signed a contract nor have this company ever verified this debt is mines.       Date :    XXXX   XXXX  ,2015  total {$500.00} Date :    XXXX   XXXX   , 2015  total  XXXX
I received a letter on XXXX XXXX, 2015 from XXXX XXXX to collect a debt that I initially disputed with the company they represent directly which is XXXX. I therefore sent a certified letter disputing the debt which was received on XXXX XXXX, 2015 by the company. XXXX responded on XXXX XXXX, 2015 noting that they were not handling the case. I then pulled my credit report and noticed that another company, ERC, had placed the account on my credit report in XXXX 2015 and had not provided any notice prior to doing so. On XXXX XXXX, 2015, I received a letter from them notifying me that XXXX placed the previously disputed debt with their agency ; however they never notified me before placing the item on my credit report. I therefore sent their agency a certified letter on XXXX XXXX, 2015, which was received by their company on XXXX XXXX, 2015, informing them that I was not notified of the debt and they did not follow the procedures of the Fair Debt Collections Act. As of XXXX XXXX, 2015, ERC has yet to respond to my notice or letter. Before this account was placed with collections, XXXX refused to correct the charges and was charging me for services not received. XXXX was attempting to charge me for service on a telephone that had not been used since XXXX 2015. I spoke to a XXXX representative on XXXX XXXX, 2015, who said that they could see where the phone was not used since before XX/XX/XXXX and was attempting to credit the account then discovered they could n't because it was sent to collections on XXXX XXXX, 2015 ; XXXX day after I received a bill from them. XXXX is jumping the debt from collection agency to collection agency because they know that the debt is not a valid amount ; I have also confirmed that they have taken these same actions against other people who cancel their telephone service with them as well. Both XXXX and their collection agencies are taking actions that are unlawful and unfair to consumers who attempt to do right.
On XXXX XXXX, 2017, I noticed on my credit report there was an account in collections for {$65.00} reported by Diversified Consultants. I was completely unaware that an account was in collections until I saw it on my credit report. On XXXX XXXX, 2017 at XXXX XXXX. I contacted the debt collector, Diversified Consultants, immediately to find out why this was on my credit report. I explained to the representative that I never received mail or phone calls regarding the situation with Diversified Consultants. The representative explained there was nothing she could do since it was already reported to the credit bureau. I also asked about having the information removed from my credit report because I was not aware of or contacted about the situation. 
I called back two more times the same day at XXXX XXXX. and again at XXXX XXXX. I was then told that Diversified Consultants received my file on XXXX XXXX, 2017 and reported it to the credit bureau on XXXX XXXX, 2017. On XXXX XXXX, 2017 at XXXX XXXX. I called Diversified Consultation wanting to know if the company had any record of speaking to me. The representative informed me that they contacted three phone numbers that did not belong to me. The representative then stated they spoke with some man on XXXX XXXX, 2017, who told them " his wife will call back. '' The representative then asked me if I am married. I told the representative I have never been married before and I continued to tell him that the phone numbers they called do not belong to me. I have spoken with the following people at Diversified Consultants : XXXX, XXXX, and XXXX.
Northland Group called me on XXXX XXXX, 2015 regarding a debt owed by XXXX XXXX, the person who had my current phone number until last summer. I was assigned the phone number XXXX and have been receiving calls for XXXX, whom I do not know, have never met, and has never lived at my address. I requested Northland Group take my phone number off their call list and they said they would. I asked which company was collecting the debt so I could talk directly to them and they refused to tell me. I saw on my caller ID that Northland Group called again on XXXX XXXX, 2015, a week after promising me they would not call.
I submitted a XXXX XXXX XXXX XXXX ( XXXX ) form on XXXX XXXX, XXXX, the form stipulated it expires XXXX XXXX, XXXX. I received a letter XXXX XXXX, XXXX stating my form was rejected due to a new form that was created after therefore rejecting my form with Expiration date XXXX XXXX, XXXX. Terms and condition have changed in the new form. They are just prolonging services that I applied for.
I have a XXXX dollar debt with team mobile. Not understanding the why this debt shows I still at this present have a open account with XXXX for over 5 years. Not only for phone service but the devices Such as iPad and other phone devices.. Also knowing that if I do n't pay monthly bill my service would be suspended. So if I owed this amount off XXXX dollars why am I still a existing customer with them. DO N'T GET IT.
I, XXXX XXXX, had an active account with USAA, which I had for several years with no problems. Approximately around XX/XX/XXXX-XX/XX/2015, I alerted USAA of fraudulent activity on my account. This was the result of me losing my bank card and it was being used in another state. I am a XXXX veteran with memory loss which I have to write pin numbers on the back of my cards to avoid forgetting. I personally advised USAA that monies was taken out and deposited into my account fraudulently. At this time XXXX of my children 's accounts were linked to mine. All XXXX accounts were frozen which caused a financial hardship on my household. After an investigation was completed, my children 's accounts were released but as for mine, I was advised that it was thought that I had knowledge of the fraudulent activities and was no longer allowed to have an account with USAA again. I do not agree with this decision considering I am the one that advised of the activities. I live in Alabama and the activities occurred in XXXX ( I believe ), how in XXXX world could I, would I partake in such a crime. I am a Veteran with morals and character of an upstanding citizen of the US. I respect whatever decision was made although I do n't not agree. I opened an account with XXXX XXXX XXXX XXXX which I ca n't utilize due to to a restriction from USAA. Please allow me access to a new account. thank you for your time and consideration
Account Name Account Type Account Marks Past Due Reported On ] XXXX Other Loan Late 120 Days {$0.00} XXXX XXXX, XXXX This debt was discharged in BK XX/XX/XXXX and also property went to short sale. Should not be on current report
I contacted Drivetime on several different occasions regarding a car loan I had with them account # XXXX i do not have the number for the other loan that was removed also from the credit bureau with a positive credit rating that was closed and paid in full. The company insisted on avoiding an agreement entered into by myself and XXXX of their company representative in a corporate position they have the agreed upon resolution and can provide your agency with a copy of the same because i do not have the capability to do so with my computer. Drivetime during the month of XXXX XXXX removed my credit reporting information from XXXX credit bureaus reporting agencies I believe XXXX and XXXX XXXX I discovered in or about XXXX XXXX that my positive credit ratings were no longer in the XXXX and XXXX credit bureaus and that another positive account for another car loan was no longer reporting in my credit file. these removals adversely affecxted my credit ratings and as such my ability to purchase something with a lower interest rate. I have never missed a payment to the Drivetime company on my car loans inclusive of XXXX XXXX XXXX XXXX different auto loans and for them to destroy my credit ratings is despicable. I spoke with XXXX today ( XXXX/XXXX/XXXX regarding those issues and his response to me was that Drivetime is now in the process of updating all consumers credit files and all of the consumers credit files were removed from the credit bureaus and is being updated however he does not know how the process is being performed who 's records are being updated/ corrected and what process or timeframes this process will take and furthermore does the process involves all consumers credit reports or are they updating reports for existing customers again which would not apply to me because my loans have been paid off and are closed however they did the same thing to my credit reports. Therefore the process would leave me with no credit ratings for accounts that I have paid off in good faith and never missed a payment in doing so however they kept trying to report my latest account as a repossession and or account was not satisfied I had them make the corrections and now back in XXXX or XXXX of XXXX I discovered yet again they tampered with my accounts by removing my positive information from the bureau for the account paid off in XXXX and for the account prior to that XXXX removed it from the credit bureau entirely and left the XXXX account in XXXX bureau I believe in the XXXX credit Bureau which was the same method of operations that has done to the existing consumers. Therefore Drivetime Representative XXXX gave me erroneous information about my accounts and for those reasons I am submitting a complaint to the Consumer Financial Protection Bureau based on the ruling implemented in terms of enforcement against the Drivetime XXXX XXXX for their violations of consumer rights dated XXXX XXXX, XXXX which is what they did to me in XXXX XXXX XXXX and prior to those dates in XXXX.
Due to a divorce I had to declare bankruptcy a little over two years ago. During the divorce proceedings we were told to stop making payments on the mortgage as neither of us would be able to afford the house on our own. That was XX/XX/2010. Since then the bank has never finished a foreclosure. They have started multiple times but just never finish it. I was under the impression that after my chapter XXXX bankruptcy went through that I would have to wait a minimum of two years before qualifying for a mortgage. I did everything in my power to repair my credit and when the time came my credit was good enough but they would not give me the loan due to the bank not finishing the foreclosure. I paid {$10000.00} to my landlord for the option to purchase and now ca n't purchase. It 's been nearly 5 years since we stopped making payments on the mortgage and my debt has been forgiven. Now the bank has sold the mortgage to another mortgage company and they are starting the process all over again. It 's already been six months since they have filed for foreclosure and I 've spoke to both the attorneys filing the foreclosure and the new mortgage company and they are not sure what is going on. All the previous attempts have just been cancelled without prejudice. Regardless even if they do get it finished I will have to wait an additional 3 years before I can apply for a FHA loan. I have done everything asked of me and because the bank can not finish their process I have been set back a minimum of 3 more years. How is that fair to the consumer. The mortgage companies need to be held accountable for the devastation they are causing the consumer. Thanks to this process I most likely will have to move and lose {$10000.00} in the process.
I applied for a Citi Gold bank account in XXXX, 2015. The account had a bonus of XXXX thank you points. I contacted Citi several times about this bonus and they consistently told me that I had met all the condtions required to receive it, and would be getting the XXXX thank you points within a few weeks. They told me this over and over again since XXXX. The account comes with a $ XXXX monthly fee, and they continue to bill me each month, but are not living up to their end of the bargain. The customer service at Citi simply tells me " please keep waiting and we 'll post the points eventually '' but it has been over 6 full months since I applied. I refuse to continue to wait and continue to pay a $ XXXX monthly fee. Citi Gold checking accounts are a scam and they are not honoring their promotion, offer code : XXXX
This collection account from XXXX XXXX was placed on my credit in XX/XX/XXXX. XXXX never sent me written notification to dispute this debt. The month the account was placed on my credit, I immediately disputed the debt. I contacted the original creditor, XXXX XXXX XXXX, with XXXX on the phone on XX/XX/XXXX. While speaking with a supervisor that day, the supervisor was unable to verify the debt, despite the fact that diversified consultants stated they had already verified that account. They also informed me that this account had been delinquent since XX/XX/XXXX but had just been placed on my credit XX/XX/XXXX. I informed the representative at XXXX XXXX XXXX and at XXXX, that I did not owe this debt and the proper steps should be taken to correct this account. Since then nothing has been done. I have yet to receive my right to dispute from this company, or a fraud packet, which should have been sent to my mailing address once I informed both representatives that account is in a result of fraud. Since no action had been taken, I filed an initial complaint with the XXXX. When XXXX responded, they sent billing statements with no information other than my name and the amount owed. I have a current XXXX XXXX XXXX account, so I am fully aware of how the billing statements look. This statement was not itemized. It had no email address attached to it. XXXX XXXX XXXX stated this was a wireless account, but no wireless number was attached to it either. Also, this bill was drafted AFTER the account had reached collections. Nothing was sent prior to this account being placed on my credit account. I will continue to file complaints against this company, regarding this matter until this issue has been fully rectified.
Navient continues to raise my monthly payment fees. Without factoring in having XXXX children, bills, a single parent and a job that does n't permit me paying what they keep requesting.
Bank of America let me apply for a mortgage for a condominium in XXXX Fl. Fully knowing they were in a legal battle with the Home Owners Association, and we 're not writing any mortgages for this particular property. 
Bank of America charged be {$450.00} to apply. 
There after they B o A told me that the H O A did n't have enough insurance for the units, even though the condominium increased their insurance, even after they had underwritten XXXX mortgages in the corporation of the condominiums. 
They have refused to give me my application fee back.
My request for a payment plan, for my private student loans through Navient, that would result in lower monthly payments was denied. There is no literature that is clearly and plainly available to borrowers describing the terms and limits of repayment options, which leaves borrowers confused and with little to no recourse if their request is denied, as mine was.
A tenant in my XXXX wrote a rent check of {$1400.00} and instead of making the check out to the park, she made it out to the park managers wife, The check was endorsed by the wife, then endorsed by the park as " for deposit only '' and deposited in the park 's account. The tenant then became angry at the managers wife for some reason and went to the bank ( Wells Fargo ) to check on the check. The bank produced a copy of the check which showed the wife 's endorsement and the " for deposit only '' park endorsement. The bank also produced the tenants account statement that showed the check being cashed at the counter. The tenant was then convinced that the managers wife cashed the check and took the money. She threatened the wife with criminal charges. This episode caused many problems - too many to discuss here. My complaint is that the Wells Fargo Personal Banker, XXXX XXXX, when presented with XXXX conflicting facts, regardless of the banks error in producing these XXXX conflicting data, did not recognize this and allowed the tenant to leave the bank thinking the check was cashed at the counter. I think that both XXXX XXXX and the Wells Fargo bank should be reprimanded. After several visits to the bank trying to resolve this problem or at least get an " I 'm sorry for your inconvenience and mental worry about being arrested, the bank Service Manager, XXXX XXXX and bank manager, XXXX XXXX refused to admit any fault.
Now that TransUnion LLC, has stated that they will readd XXXX of my auto loans XXXX and XXXX from XXXX XXXX XXXX XXXX XXXX back to my credit report, they also need to readd the payment history for XXXX and payment history for XXXX I have never been late or missed a payment on XXXX. XXXX was paid off and closed XX/XX/2016 and XXXX is paid current with no missed payments this needs to be reflected as it was before TransUnion LLC removed these accounts illegally! In addition ALL OF MY POINTS THAT WERE REMOVED BY TRANSUNION LLC, when they removed these XXXX auto loans illegally needs to be READDED back to my TransUnion credit report immediately! All of this has caused me extreme hardship! I 've talked to customer service. reps repeatedly about this day in and day out over and over for 3 months trying to resolve this issue!
Each month, I pay more than what is owed on each of my student loans ( XXXX total ). It was my understanding that any payment in excess " unpaid interest '' would bee applied to principal for each. However, it appears that a large portion of excess payments made on all of my loans ( going back months ) have gone to interest that exceeds the " unpaid interest '' at the time of payment. As such, it appears that my principal balances should be lower than they are. I have never paid late, so no additional fees have been assessed.
I have requested Equifax to correct the information on my correct report and nothing has happened. I have requested " VALIDATION '' AND NOT " VERIFICTION '' of this account, which has not been provided. Here is the account : # XXXX XXXX They always say they verified information and do not ... Please have documentation supporting this debt! Also, please provide, who you spoke with, date, time, phone number and documents shared. Other wise by law, please removed this negative information of my credit report.
Good Day This credit company isn't reporting my information correct. 

1. The history shows there reporting only two years of credit history. 
XXXX 's account in XXXX 2. I have never had a late payment. 
Why is my score so low? two months ago my score dropped again over 50 points and i do not see why. 

3. XXXX XXXX - isn't correct. I have never had 4 accounts. 
This reporting isn't correct. These accounts are not mine. It is impossible that i hold 4 accounts with them. I've tried for over two years to deal with this creditor, in terms of correctly reporting my history with them. I've gotten no where. Sometimes, the company has stated to me that, i am not in there system. 

This reporting is effecting my life, its prohibited me from getting credit that i need. 

4. XXXX XXXX  - I don't know that company, never did any business with them, they have yet to prove how i would be affiliated with them. This account is not mine. this account needs to be removed from my credit report. 

5. XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX {$470.00} I have never had a XXXX XXXX XXXX account this account was opened fraudulently. I knew nothing of this account until seeing it on my report. 
The account is not mine. The account needs to be deleted from my credit report. 

6. XXXX # XXXX This account is not mine. I have never had an account with this creditor .The account is fraudulent and needs to be removed from my report. 

Thank You
I 've discovered I was affected by the Equifax data breach that was reported last week. 

I could n't tell you exactly what was leaked because they have n't deigned to own up to any of their egregious mishandling of my personal information. 
No call. No letter. 
I had to check a buggy website of theirs that froze constantly and simply told me I was affected, not much else aside from the option to sign up for a service. 

I tried to obtain a copy of my credit report from the annualcreditreport.gov website but it only showed me one companies report and then reported an error. I was able to submit a comment about that and heard nothing back. That 's all I can do it feels like, leave meaningless comments. 

I had no choice when it came to Equifax collecting my information. Why are we consumers at the mercy of a huge unseeing uncaring conglomerate when it comes to the handling of our information? 

The fact that this breach occurred in the beginning of XXXX and Equifax delayed informing the public a whole month so the senior executives could sell off shares in the company is just despicable. Legal consequences and reform are sorely needed here. 

I feel utterly powerless in this situation. 

How can I protect myself for identity theft at this point?