WillisBack/dataset-financial-user-claim huggingface dataset:
It is my contention that my rights under the FFDCA have been grossly violated for the following reasons : Upon contacting the XXXX XXXX Justice Court with regards to these matters I was informed that a Letter of Settlement had never been issues for case XXXX, which was paid directly to a XXXX at XXXX XXXX by money order. 
Upon contacting the attorney of record with regards to this, the office refused to send a settlement letter and instructed me to contact the creditor. Upon doing so I was referred to the collection agency who has no record of this. 
The attorney of record attempted to garnish the co-signers income, a woman of XXXX years at the time who was on a pension and Social Security, in gross violation of the law and a gross ethical violation under Arizona State Law. 
Upon contacting the creditor and demanding my rights to deal directly with them, they refused in violation of my rights. 
Upon contacting the collection agency and trying to make payment arrangement with one XXXX XXXX XXXX, on numerous occasions, this was denied and I was informed he would only accept the full amount for the settlement amount. 
Upon contacting the collection agency and attempting to pay a [ predetermined collection settlement amount I was informed XXXX of XXXX XXXX had now increased the amount. At this time I was also informed my account had been reported to a secondary agency for renters and a settlements would affect my ability to rent in the future. I was never informed of this. 
Upon contacting the collection agency with regards to the entire amount and requesting a breakdown, I was refused and rudely informed by XXXX that he had this file for years and he knew the amounts. 
Inasmuch as my mother is also listed on this account, she had her attorney contact XXXX and he subsequently chastised me for having an attorney contact him and was told to deal with him directly. 
Upon being told by the XXXX XXXX Justice Court that the second judgement amount had to be paid directly to them, I was informed by XXXX that HE was the one taking all the funds and I was NOT to pay the court.
Equifax allowed my personally identifiable information ( address, credit information, social security number, etc. ) to be compromised and accessed by an unauthorized party.
I started to receive calls from a firm calling itself USI Solutions. The main number they call from is XXXX. The claim is that I continue to owe a small {$200.00} amount from a debt that I never owed to begin with. I originally began to receive notices from a law office in XXXX claiming a debt from a credit card I never had. No prior letters, no calls ... .just a letter out of the blue claiming that I owed money from a credit card I was supposed to have had in college in the XXXX time frame. I fought this tooth and nail and eventually I felt I had no choice other that to pay this. I made a deal with the law firm and paid the debt in full in XXXX. I received a letter stating that this debt was resolved with a XXXX   balance. I never heard another word about this until last month. This was almost 13 years later. USI Solutions claim that the attorney I made the original deal with died and it is only now that his unpaid debts are coming to light. I made it clear that they have no right to collect on this based on the statute of limitations. The representative stated that he didn't care and he would call me for the next twenty years if he wanted to. They reused to provide any of the original documentation on the debt. They also refused to provide me with their license number to collect in my state. This company has harassed me relentlessly stating that I never paid the original debt in full in XXXX. They are stating I still owe {$200.00} on it. I advised the firm that all further contact needs to go through my attorney. I gave them my attorney 's contact information. They did not stop calling me and have now called my employer stating that they are trying to reach me to collect a debt. I am a XXXX for a XXXX XXXX XXXX   and this has caused tremendous issues for me.
I spoke on the phone with Navient about repayment options. They said I could have a forebearance. I asked if that would affect my interest rate and they said not as long as I began repayments on time when the forebearance ends. I have had a fixed interest rate of 1.75 % ( 2 % with 0.25 % benefit for automatic payments ) for at least 10 years and since I consolidated the loan when it was with XXXX. It has since been sold on a few times. Now Navient has raised the interest rate by 1 %, claiming that was a benefit and that when they read me the XXXX and XXXX it said I may forfeit " certain benefits '' of on-time repayment. It was never made clear that I had that 1 % as a benefit, nor that I would lose it. I asked multiple times to ensure my interest rate would stay the same, since it is quite low.
I made a FDCPA formal inquiry into XXXX XXXX XXXX XXXX as well as XXXX. My formal request for the information that is due to me ( by law ) was sent via certified mail. After no response for more than 30 Days, I submitted this information to all XXXX credit bureaus, as The information was on my credit report illegally according to the Fair Debt Collections Practices Act. I sent copies of the formal requests for information AND copies of the certified mail receipts. I will attach those documents to this report as well. At this time i would like to know if Transunion is depriving me of my consumer rights under the Fair Credit Reporting Act. And I have received no communication from Transunion regarding the reasons behind their incorrect and unfair findings in this matter ; so can you please investigate this as well. If these companies are found in violation I believe I am due {$1000.00} per occurrence. Thank you very much for your time and diligence in this matter. These ILLEGAL negative items on my credit are creating financial hardship - I am a XXXX Veteran and I am on a fixed income. I would like Transunion held accountable if indeed I am correct.
7 Fraud accounts that continue to report on my Experian credit Report after years of disputing the Fraud   with the credit report and creditors which was due to the XXXX  Breach and Experian Neglected to correct and update and remove these fraud accounts from my Report. Account from these creditors are Fraud, XXXX {$5000.00} # XXXX, XXXX XXXX {$5000.00} # XXXX, XXXX XXXX   {$740.00} # XXXX, XXXX XXXX XXXXXXXX XXXX  {$1400.00} # XXXX, XXXX   {$260.00} # XXXX, XXXX {$570.00} # XXXX, XXXX {$330.00} # XXXX
REPEATED ROBO CALLS FROM FAM ( FINANCIAL ASSET MANAGEMENT ) FROM THEIR NUMBER XXXX CLAIMING SOME DEBT REGARDING SOCIAL SECURITY YADDA YADDA. PLEASE STOP THESE SCAMMERS AND THIEVES.
On XXXX XXXX,2017 I made an online balance transfer with USAA for the amount of XXXX I 'm a XXXX Vet with medical documentation. I made an error filing the online balance transfer. I immediately called USAA to cancel the transfer. It was and still is in Pending. USAA informed me they would not cancel the balance transfer. <P/>I 've contacted them on XXXX XXXX,2017. Spoke with Executive Resoultion XXXX XXXX over the phone. Spoke with 8other USAA representatives. I also chatted with four different USAA personnel. All telling me NO. I called six different and chatted online with threeUSAA. I 've been calling everyday since XXXX XXXX,2017 and keep getting denied of the balance transfer. USAA wants to post the transfer so they can accrue the interest rates. I 'm XXXX and can not afford the interest charge of {$150.00}. I called USAA immediately when I realized my mistake
XXXX has been non-compliant with removing the unverified account KOHLS/CAPITAL ONE which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KOHLS/CAPITAL ONE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I have XXXX citibank credit cards. My simplicity account payment due on XXXX/XXXX/2015 was not made. Citi collection has been calling me every single day from XXXX/XXXX/2015 including XXXX XXXX holiday. I asked the representative if they are allowed to call on holidays. He said yes, I informed him on XXXX separate occasions I requested no phones calls, that all communication was to be done via email or USPS for accuracy purposes and due to the fact I care for my XXXX year old Mother who is very fragile with XXXX, XXXX. However, Citi has refused to honor my request. Further, they have lied to me on every phone call about their right to call me and more disturbing in the abusive and argumentative conversation from a CitiBank Representative on the XXXX XXXX phone call which took place at XXXX. I STRONGLY SUGGEST SOMEONE get a copy of that recording. I do not need that type of argumentative conversation to take place in front of family members and my mother. The call was witnessed by at least XXXX people since I had it on " SPEAKER '' I asked each person to write down what they heard so I had some sort of documentation while information was fresh in their minds. I fully intend to file a lawsuit as I do have a law background. I would hope the CFPB follows up in some assertive way as I also run a Political website ( XXXX ) currently under re-construction so can can handle the heavier than expected traffic. However, from the feedback through XXXX I can tell you this is NOT an isolated issue and I can also inform the CFPB at this point most consumers feel the CFPB is more of a " PONY and HORSE '' show. I continue to be hope-full actual progress is made and the CFPB turns out to be what over XXXX XXXX American consumers hope it will. Update, Citi Bank called XXXX today ( Sunday XXXX ) and its not even noon yet ...
On XX/XX/18, I have sent the company a letter that this collection on my file is reported as inaccurate amount for {$1600.00}.

1. I have also asked that they provide me evidence that this debt belongs to me, and to provide to me " who '' verified this information, ie, signature showing that I am legally binded and obligated to pay this amount. 

I have not heard back from this company in regards to my request. 

This company has failed to get back to me within the 31 day period, so they are already in violation. 

This company has sent me letters threatening to sue me for this amount
I was only late over 30 back in XX/XX/2017. I had on time payment untill I had a dispute. Then my report started showing 30 day late every month or more because of a XXXX dollar late fee That I wasn't notified of. I paid what the representative told me to pay.
I filed a chapter  XXXX  bankruptcy in   XXXX   I was not advised that this would not be able to be discharged after completion, I got a new job and decided I could pay the bills that were on this bk so I had it dismissed I sent the information to the credit bureaus transunion and  XXXX  refused to remove it, I feel that this should be removed as I was not informed of the discharge status and I dismissed it and paid the creditors.
I have been receiving many harassing phone calls from spoofed numbers, from someone identifying themselves as XXXX XXXX from National Credit Systems. They have stated that they are attempting to collect a debt. They have also called some of my family members from spoofed phone numbers. The number that they leave to return calls is XXXX. 

I received a letter in the mail yesterday that they are trying to collect a debt from an apartment complex, XXXX XXXX XXXX  XXXX, I lived in for 6 months in 2017, in XXXX XXXX, TX. The alleged amount owed is {$1000.00}. They have threatened to report to the credit bureaus. Additionally, they sent a separate letter to my husband for the same amount. On the NCS website, they have documentation showing that XXXX XXXX XXXX  XXXX owed us the amount they were trying to collect. 

This debt is not real, as I have proof of a good standing with the apartment complex upon move out and proof that my security deposit was returned. I have been unable to reach the apartment complex yet, but used their website 's " Contact '' function to send an email demanding answers. 

They call many, many times a day, spoofing their number to be similar to mine. I have resorted to blocking each number, and have never answered the phone. I will take whatever legal action is necessary, as this is unacceptable.
Experian, XXXX and XXXX all have supposedly investigated my claim that : 1 )  XXXX XXXX of XXXX XXXX, XXXX. has placed multiple charges as individual accounts, thus overly diminishing my credit & scores. My investigation is, they are all charges to one account. Furthermore, I never had any prior knowledge of them before I found them on my credit. I have no obligation to pay same. I have never been sent a bill for them, therefor, they, by law can not be placed for collections on my credit record.

2 ) None of the three, Experian, XXXX or XXXX have the same amount of collection accounts posted to my credit report. Each has deleted or removed one or more of them. Thus, none of them are getting truthful posting info from XXXX, so, how can they take XXXX 's certification that they are posting true and accurate charges against me? 
I have questioned this Certification each time they come back from investigating my disputes with their replies that " they have checked with XXXX and they have certified to them they are correct '' so no changes would be made. 
If XXXX was being truthful, they would have never eliminated any, or, they would have left the totals the same and combined them into one account number.
My loan was purchased by Nationstar Mortgage at the end of 2014. Prior to my loan being sold to Nationstar, I switched my home insurance from XXXX to XXXX XXXX. 
Upon receiving my loan, Nationstar used funds from my escrow to pay XXXX instead of XXXX XXXX. 
I have called them multiple times to correct the issue. On XXXX they finally issued a payment to XXXX just in time to prevent my insurance from lapsing. Unfortunately, they did so by using more of my escrow funds. I have asked them to work with XXXX to return funds to my escrow but they have refused to do so. They promised to fix the issue and call me back but have not done so. I have called them again, after the holidays and I am told that their call center is not open. I am sick and tired of playing on the phone with them. They sent money erroneously to the wrong insurance provider, the onus is on them to fix their mistake.
The credit bureaus did not verify the accuracy of the XXXX XXXX XXXX  account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.
I have contacted equifax requesting removal of XXXX off my credit due to it has been bought by another lender and the amount isnt correct, also when contacting XXXX i asked for a pay for delete they said they cant since it was bought by another lender yet when i sign into my XXXX account its still showing i can may balance. It should be removed for false details. It still remains on my credit
i applied for homeowner assistance with caliber home loan and my loan modification request is in process but i received a notice of sale at the same that my loan is in a on going loan modification which is according to California home owners bill of rights dual tracking, my loan was transferred from XXXX to caliber in which there was a requested open loan modification in place at time of the transfer which is the problem i have with caliber home loans that there not suppose to process a loan mod and foreclosure at the same time
My husband and I took out a VA loan through HSBC in XX/XX/XXXX. In our opinion they are the least helpful, underhanded, and most intimidating company we have ever dealt with. I will not go into the debacle of a loan modification they offered to us in XX/XX/XXXX when my husband was suddenly laid off and we nearly lost our home. What I am complaining about is a ' late fee payment ' they are assessing me. I have called customer service numerous times to try to find out why I was being charged the fee. Experience with HSBC has taught me to take notes whenever I call them, including date/time/name of agent/and what was discussed. Three times I was told that my complaint has been reviewed and the charge removed. It has not been. I have now recently received a 'form letter ' from HSBC that only advises me of what their late payment fees are and why they collect them. Well, I need to know WHICH payment they claim is late do that I can get my bank statement and other necessary documents to prove my claim. The amount is {$19.00} but I refuse to pay it unless they can provide me this information. It is important because it is their common practice to not provide correct timely information, 'back date ' correspondence, and force me to make numerous calls explaining my situation over and over again to different customer service representatives who either tell me the issue is resolved or they have submitted a ticket for review. This bank is unprofessional and the left hand doesn't know what the right hand is doing. I would appreciate your help in this matter. I am currently looking into refinancing with my hometown bank. Run far away from HSBC.
I am submitting a formal complaint against my mortgage company Pennymac for false claims that I owe them personal property tax that was already paid from my escrow account last year. Per my tax return statement from Pennymac & XXXX was paid in personal property tax to the county and I had an ending balance of {$810.00} in my escrow. I had no negative balance reported. So it is no way I owe them money and there were no double payments made as they are claiming. My mortgage payments were XXXX, which includes the escrow amount. Now they are charging me {$3600.00}, which they providing a false explanation that my taxes went up to {$11000.00}, which my documentation from them and the county does not support. I was told that they are looking into this, but they already have the documentation from the county along with the information they sent to me. I feel like I am being scammed out of my money and I want it refunded and my account to be updated correcly.
XXXX XXXX shows a drop in my credit score from XXXX XXXX, XXXX through XXXX XXXX of 31 points without any explanation. In the past I 've been able to review if any credit applied for or other activity that would cause a decrease or increase in my score. I call XXXX and they sent a summary, but did n't address the reason for the drop in points. Transunion later drop my score XXXX XXXX, through XXXX, XXXX 32 points without any explanation through XXXX XXXX. I just want to know what cause my score to be effected.
I am unable to obtain credit report, credit score through Equifax. Also unable to freeze my credit file as a result. I call customer service daily and transferred from one group to another. Each group says the other group will fix. I am caught in a constant loop of no action. Today I spent 2 hours and 45 minutes on the phone with Equifax. I get a " tech support '' confirmation number and start the wait all over again. No one at Equifax can tell me what is actually wrong with my credit file other than there is a " discrepancy '' in my information @ Equifax, however, the representative can not tell me what the discrepancy is. I confirm all of my information by phone and the rep says it matches - yet still can not obtain a copy of my Equifax credit file. No one within Equifax can explain why I am unable to obtain a copy of my report, score, etc. I am unable to file a dispute on my report for the same reason. I can not obtain a free copy. I have attempted to pay for the report and it will not process. Photos I have attached to this complaint are examples of the ongoing issue like today 's 2 hour and 41 minute call. The emails received from my credit card company reflecting the charge for a product and the Equifax email stating failure to process ( which is an internal Equifax issue, not a credit card payment issue ). A photo of my email inbox for today with all of the Equifax orders the representative attempted to process while we were on the phone, to no avail. And have included a photo of the error received when trying to file a dispute.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn. Is trying to say I still owe on something u filed a Bankruptcy over for XXXX. they have tried to reage the account to XX/XX/XXXXwhen in fact they 've had it sinceXX/XX/XXXX. When I filed against XXXX back then it was filed against XXXX XXXX ILXXXX now their trying to stick me with it reaged. The credit bureaus do n't believe me even though I 've offered proof.
BAC has charged me a fee for a " retuned check ''. I've tried to check my BAC online payment activity from which the attempted payment was made. Each time I go to the " payment activity '' button in my account I'm locked out of the info. I called BAC customer service and XXXX was glad to accept my telephone payment but a fee like that was hard to reverse. The transaction was an ACH and not a returned check. When I said I couldn't get into the payment activity screen she said to call technical service. I called them today and they said I had to talk to customer service to find out why I'm locked out. 
BAC sent me a letter saying they had closed my account but XXXX said no, it's open.
In XXXX XXXX we applied for a loan modification. All requested paperwork was turned in on a timely manner. In XXXX XXXX, XXXX we were told our income was not enough. Our income changed in XXXX XXXX, XXXX our income increased and proof was turned in. On XXXX XXXX, XXXX we were informed it was too late and a foreclosure was in process. We objected but were told it was too late in XXXX XXXX, XXXX.
ERRONEOUS INFORMATION ON MY CREDIT REPORT, SCORING INNACURATE INFORMATION, EQUIFAX HAS N'T UPDATED STAUS CURRENT OF MY CREDIT TRADE LINES ALL IN GOOD STATUS.
Company claiming to collect on behalf of a payday loan. Wo n't stop calling at all hours. Left threatening messages on my phone as well as my husbands.
On XXXX XXXX, 2015 I sent the following letter to Wells Fargo in XXXX XXXX, Iowa requesting detailed information about my escrow accounts : XXXX XXXX, XXXX : Escrow DepartmentWells Fargo Home MortgageXXXX.XXXX XXXX XXXX, IA XXXX Sir or Madam : I request a complete and itemized break down of my escrow payments withheld from my WF mortgage payments going back to the very beginning of our association. 

Please include in your letter ALL escrow you have charged me, including property tax escrow and their individual and separate totals to the present date. 

Please include an itemized and dated list of ALL charges related to escrow of all kinds and any pertinent copies on this subject. 
I expect a reply in letter form within 10 working days. 
Thank you in advance for your time. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; I mailed that letter to Wells Fargo on XXXX XXXX, 2015. 
Federal law states that I have a right to a reply within XXXX working days, XXXX XXXX, 2015. 
On XXXX XXXX, I got a letter from Wells Fargo telling me they would reply XXXX XXXX, 2015. As of XXXX XXXX, 2015 I have not received the requested information PERIOD, let alone within the time limit. 
I demand that Wells Fargo BE SITED AND FINED FOR THIS VIOLATION, and I be compensated for the violation of my rights. Wells Fargo had a long history of illegal violations. The Consumer Financial Protection Bureau has been informed of their practices and have done NOTHING at all.