WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX in XXXX, XXXX intentionally denying my Error & Omission Certificate at the time of going into contract with them. Three day after signing a partial contract with this company, I returned to the office to void the contract due to the rediculous demands on the forms and also the manager XXXX who was about to hire me was terminating the agency and their management system and therefore, I quit with him. So, I was advised to submit my resignation letter to them by XXXX XXXX XXXX and I did that within in a month in XXXX 2013 and also submitted only XXXX policy to the management and left the office. Note, my E & O certificate was already submitted at time of employment application and also gave copy to XXXX administrator manager. Now, six months later XXXX agency in XXXX sent me to collection and asking for a debt amount of {$920.00} for E & O charges I did not pay to the agency simply because I sold XXXX policy and made commission and they also made money on the policy too. But they do n't want to honor my E & O certificate. I tried reached out XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and General Mgr XXXX XXXX by emails and even office visit to resolve this issue. They did not even look at my face and my credit report is been abuse by these agencies. All attempts did n't work out and I feel that they are discriminating against me. I tried XXXX XXXX collection agent in XXXX to resolve the issue. The manager XXXX XXXX XXXX refused and said, my E & O coverage requirement should be {>= $1,000,000} liability coverage and therefore they wo n't accept mine. So I requested them to send me a copies of E & O which XXXX agency paid in my absence of terminating their contract. It took the collection agency about three months to provide me copies. When I received those copies and reviewed it, I found out that they even have cheap liability coverage compare to what I have originally. So I asked XXXX and his representative XXXX XXXX ; why XXXX lied to me that they need XXXX liability coverage? Whereby XXXX coverage did n't come close to what I have, Why XXXX refused to honor my better E & O certificate and asking me to pay something they did not bring to my attention before when I was in the office? XXXX replied he was sent to collect a debt. Then I answered him so you were sent to lie to collect debt if so then I think we have to go court for the judge to rule this. He responded I can do so.
Debski and Associates acting as a Debit Collection Agency failed to validate their claim for the account which they were attempting to collect a debt, XXXX XXXX Account : XXXX their Case No : XXXX, as required by the Fair Debt Collection Practices Act Section 809 [ 15 USC 1692g ]. The debt has been disputed thus Debski and Associates were required by the FDCPA to cease collections until the debt collector obtained verification of the debt and said verification is mailed to the consumer. Validation was never provided. Debski failed to cease collections and filed suit in small claims court violating Federal Law. 

The only document provided to the consumer was through an attachment to the suit, filed in small claims court, Complaint - Breach of Contract referred to in the complaint as " the Agreement ''. " the Agreement '' fails to meet the litmus test for validation. " the Agreement '' consist of pages XXXX thru XXXX of a PDF that can be downloaded by anyone at the url XXXX the matter XXXX v. XXXX, XXXX XXXX XXXX ( Ind.App. XX/XX/XXXX ) : According to this case, the debt collector must, at the very least, provide a full payment history and an explanation of how any additional fees were calculated. 

In the matter XXXX vs. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ) : " It is unfair to consumers under the FDCPA to hide the true character of the debt, thereby impairing their ability to knowledgeably assess the validity of the debt. " Although these cases differ in nature they confirm at a very minimum an itemized accounting of how the total amount of debt was calculated including fees and interest should be included in a debt validation. Additional debt validation should include account statements from the original creditor, payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor. 

Debski and Associates having provided the consumer only a PDF that they refer to as " the Agreement '' by means of attachment to the complaint failed to meet Section 809 of the FDCPA [ 15 USC 1692g ] therefore invalidating their suit Complaint - Breach of Contract. Plaintiff 's Counsel was forbidden under Federal Law and precedence set forth in Case Law to proceed with the suit Complaint-Breach of Contract. XXXX XXXX XXXX Florida Small Claims Case XXXX.
I have a checking account at Wells Fargo and have specifically asked that I be 'Opted-Out ' for overdrafts on ATM and one time debit card transactions. 

On XX/XX/XXXX I withdrew {$40.00} from the Wells Fargo ATM. The ATM screen told me that I was trying to withdraw more than the balance in my account and I would be charged a {$35.00} fee. I accepted but did not expect the fee to be charged ( I thought this was a standard alert message ) since under Reg E the bank was not allowed to charged an overdraft fee for any ATM or one-time debit card transactions that were approved into overdraft. 

Thinking this was an error I did call Wells Fargo ( XXXX on Thursday, XX/XX/XXXX at XXXX ). who was very condescending and said that it was my problem since I had clicked to continue the withdrawal at the ATM. 

This seems unfair for the bank to say that I am opted-out ( under Reg E ) and then charge me a fee when I accept the withdrawal at the ATM. At that point they had me in an untenable position and took advantage so that they could get the fee income.
When I first left college in 2005 it was really difficult to get a job in my field ( XXXX XXXXr ). I was able to get a job but the income was low and my loans were at about 80-100K. I did not have to pay for six months and then the calls started. I was simply unable to live and pay at my XXXX dollars an hour wage. Sallie Mae was my loan provider ( Now Navient ) and their offer was forbarence and they did not offer me a lower repayment plan. Few deferrments and forebarances later, I was making a little over what I had after graduation but not nearly enough to pay the 500+ per month and live and eat. Only years later, when I maxed out my forebarances and my credit score dropped to XXXX-XXXX  did they begin to offer lower repayments. By this time my account ballooned up to a whopping $ XXXX and the principal increased. Once I got a decent job I was offered interest only repayment which I paid successfully for two years. Once that plan expired they were unable to reinstate it and now I have to pay XXXX plus the Federal Loan ALSO serviced by Navient. Their claim is that I am left with XXXX XXXX dollars per month. I have XXXX savings and my costs fluctuate. I need money for incidentals car repairs and emergency situations which I simply don't have. This has caused me significant anxiety over the years that I am now on medication because of this. I don't have a wealthy family and nobody to advise me. I took them for their word not understanding or knowing available options. Ive always wanted to pay but forebarances we're all they offered until my credit score was as low as it can be and I was not able to pay. I can pay now and I want to pay now but within means and I keep receiving calls telling me they can help only to tell me they can't. Currently I am expected to pay XXXX per month which means I can't rent or own a house making me regret ever going to school in the first place and trusting Navient and Sallie Mae. The information they provide is not complete and their staff is ( not everyone ) mostly incompetent and frequently provide incorrect information resulting in many calls to get someone that can at least tell me correct information. And saying they can help is a tactic to get me to call back and tell them that I can not pay what they ask. I don't know what else to do but pay smaller amounts every month that are within my means regardless of the insane minimum payment that they trapped me into
the Credit Reporting Agencies are showing a judgement for treatment at XXXX. I have NEVER been treated at XXXX ( XXXX ) and I provided them with evidence to proving that the debt does not belong to me. I pay my bills on time and have good credit other than this judgement. I need the CFBP to assist me to get this off my credit, it 's a terrible that the Credit Reporting Agency are allowed to report information that WRONG. They should not be allowed to have such a terrible impact on Responsible Consumer lives. I am relying on the CFBP to assist me to get this resolved. 
Thank you in advance for your assistance.
Initial federal perkin loan was with XXXX XXXX university for {$2100.00}. repayment start on XX/XX/XXXX and is paid periodically to a remaining balance {$1000.00}. Letter was received in end of XX/XX/XXXX for collection. However, I am unable to make payment to XXXX due to XXXX University changes its service provider. I had contact the new provider XXXX XXXX in middle of XXXX but they do not have my account and there is no way to repay my loan. 

In XXXX, I received notification from fafsa saying one of my loan is defaulted, upon check NSLDS, my perkin loan is defaulted in XXXX. I had contact XXXX XXXX on XX/XX/XXXX and they do have all my contact info ( including phone/address/email ) but they can not do anything regard to the account because the account had pass over to XXXX XXXX XXXX. 

XXXX XXXX and XXXX University had made no attempt to contact me regard to my loan servicer, loan status or payment options. Now that the account had pass to XXXX XXXX XXXX, I am subject to default charge and fees.
In XXXX of 2014, I noticed approximately a {$13000.00} credit on my credit card with Bank of America. I called the bank to inquire what it was about, and I was told it was a refund for them overcharging me for interest paid while I was covered under the Servicemember 's Civil Relief Act ( I 'm in the military ). Unbeknownst to me, they issued a XXXX, which caused the IRS to send me a XXXX Notice saying I owe over {$2500.00} in taxes and interest. Being that this is a refund for overcharged interest, they issued an erroneous XXXX, which the interest that I would have paid originally was post-tax income. After searching the internet, I have found numerous other military personnel whom this has affected.
I have been going back and forth for several months with disputes with XXXX regarding my 2 accounts with XXXX   which are both being reported inaccurately.  On XX/XX/2018 I submitted an online dispute with XXXX, XXXX XXXX XXXX XXXX, GA XXXX for both of my accounts with XXXX   requesting an investigation into the matter.  I stated to them that the XXXX accounts were being inaccurately reported.  Although in this latest dispute and my request for written verification per the FCRA, XXXX is still listing both of the accounts as being 120 days late.  They are still stating that the accounts are verified and accurate without providing me with the proof I requested on XX/XX/2018.  Both accounts were paid in full and transferred so how can they be 120 days late?  Why does XXXX refuse to provide me with the written verification?  All they are doing is prolonging this action plus causing unnecessary negative marks on my credit report.
Mr. cooper took over my loan in XX/XX/2017 from XXXX. Since Mr. cooper took over they have twice received my payment in time but failed to cash or process my payment for 3 weeks putting my account in a late status. 

The latest incident was in XX/XX/XXXX. I mailed my payment on XX/XX/XXXX and as of XX/XX/XXXX the payment was not processed according to my online account. I called customer service to find out what was going on. Thru this conversation It was determined that it would be best for me to enroll in auto payment. So with the Mr. cooper rep I went online and made my XX/XX/XXXX payment electronically and also enrolled in autopay. I instructed the CSR to disregard my check when it was received as payment has not been made. I let him know that I would put a stop payment on the check. 

When Mr. cooper finally decided to process my check on XX/XX/XXXX, they saw that my account was paid so they decided without my knowledge or authorization to cash my check and apply the money as extra principal thus incurring a returned check fee that they are now trying to make me pay for. They also assessed a late fee for XX/XX/XXXX due to them holding onto my payment for 3 weeks. 

My issue is that they sent me a letter stating that the discrepancy was in no part their fault and they are not responsible for the mistake. I think that due to Mr. coopers lackadaisical handling of mortgage payments has most likely cost other clients unwarranted and undeserved penalties. This has happened twice with Mr. cooper in less than a year and when I was with XXXX for over 10 years it never happened 1 time.
I was recently establish a membership to XXXX XXXX XXXX XXXX XXXX in XXXX Virginia short name XXXX XXXX because of the name XXXX XXXX Sounds Great they got all The Top Brass and I got Little interested to bank with them. the great thing they have to offer to many product like mortgage auto loan Multiple credit card ETC. I open my account because I thought they might offer me a credit card with higher credit Limit so I can supply the Shortage on my XXXX XXXX XXXX  Fees, Books, Gas Money, and Food. all of these expectation were end up on disappointnment when I found Im not qualify for the first time so my application # XXXX on XXXX XXXX, XXXX was TurnDown and never give up and another try application # XXXX on XXXX XXXX, XXXX was turn down also and try the third time application # XXXX on XXXX XXXX, XXXX was turn down again. 
all of these Denial from XXXX XXXX XXXX XXXX are bases on Equifax Report and all the reason are the same result and all end up to nothing and disappointing I wish you guys can help me to Investigate what is wrong to the Equifax Report and Im Hoping to resolve the Issue with XXXX XXXX XXXX XXXX.
They claim they say due is {$1900.00} when in fact it was $ XXXX.I have  sent them a copy of court ruling signed by a judge here in XXXX county Washington stating so.The {$670.00} was paid to the owner of the property in Question.
There really is n't an option for my issue so I chose the closest options. XXXX XXXX XXXX, who has participated in illegal recovery efforts before, is making hard inquiries against my credit report up to XXXX times per month - sometimes on consecutive days! I understand that collection agencies have the right to make inquiries while collecting a debt, but is is really legal for them to try to bully a response by damaging someone 's credit with incessant credit inquiries? That seems unethical at a minimum. There are no debts on my credit report owned by XXXX. I did have a collection with them at some point in the past ( and was actually awarded a part of the settlement for violations of debt collection practices ) but currently there is no collection associated with them on my report. How can I make them stop making insane numbers of hard credit inquiries every month?! 

The attached file is a screenshot from my XXXX credit report.
This is complaint in regard to SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX. 

Above financial entity pretend to be Holder in due course to my Mortgage/Note instrument produced XX/XX/XXXX between me ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) and XXXX XXXX XXXX. 
Above Mortgage has start to be foreclose on XX/XX/XXXX in XXXX. XXXX County Circuit Court commenced by XXXX XXXX  XXXX ( which has been proven of wrongful foreclosure practice in XXXX  state ) During that time various financial entity ( in fact dept collectors ) present themselves as consequent assignee of Mortgage/Note instrument. In XX/XX/XXXX Shellpoint present themselves as such. 
During that time I am in dispute communication letter pursuant to 15 USC 1692 et all. 
No mention of fact that Shellpoint has disrespect 90 % of my QWR request, also have diversifies my attention/respond and communication to 5 different addresses to which I had try to keep up with my consistent defend position. 
Addresses to which I had to keep up my effort. 

1 ) .... SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX   XXXX. 

2 ) ... ... SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX, XXXX XXXX. 

3 ) ... .. SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 4 ) ... .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) ... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Regardless to QWR full cooperation/respond refusal, Shellpoint produce its statement on XX/XX/XXXX that XXXX XXXX XXXX at, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is the owner of purported loan See attachment 1st page. 

In letter XX/XX/XXXX XXXX made statement that XXXX XXXX XXXX at, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is owner of purported loan See attachment 2nd page. 
In XX/XX/XXXX Shellpoint pursue Court enforcement action with Shellpoint affidavit doc. etc all. However course of action/court order revile its true attorney representation ( false  representation in fact ) which is Not Shellpoint but XXXX XXXX entity. See attachment 3th page. 
All of the above cause total confusing and misleading homeowner of available remedy and/or rightful defense venue, lost by now by Shellpoint misrepresentation of facts, misleading information and diversification of attention with timely manner communication.
My auto loan is through GM Financial, payments are due on the XXXX of the month. I pay my payments online, when I went to make a payment on XXXX XXXX 2016, the system showed that I had a past due amount. All payments were made to date and the only payment due is for XXXX XXXX 2016. I had to make a double payment when nothing was past due. In a " chat '' conversion with XXXX, it was stated that the system shows past due on the due date. This is very wrong. I have not budgeted for a double payment. Their only resolution was to cancel my payment and repay. However now it is the XXXX and I would be past due, the system still shows past due due to the payment not processing yet, and i now would be making a late payment. 
I want them to refund the over payment after it has processed AND they need to " Fix '' their system to not show a payment is past due until the day after the due date.
Received an email from my bank regarding suspicious activity on my debit card. Somebody used my debit card to make a purchase at a XXXX in Georgia Friday night ( XXXX ) while I was out with my fiancee in XXXX Illinois.
I was informed by Equifax Inc that during their XXXX 2017 beach my information potentially had been compromised. They have potentially improperly stored, shared and used my credit information. I am now at risk for identity theft.
In my role as the XXXX XXXX XXXX for the XXXX XXXX XXXX ( " XXXX  '' ), I oversee the bequest administration process. I have a full time paralegal who works on gifts we received as part of someone's planned giving at the time of death. Often times, the XXXX is listed as a beneficiary designee for an individual 's IRA. When that happens, every single financial institution requires that the XXXX XXXX XXXX open up an account in order to receive the funds that have been designated to come to the XXXX. Whether or not this step is necessary is debatable, but that is not the subject of my complaint. In opening up the account, most financial institutions ask for information about the representative opening up the account. I am authorized to act on behalf of the XXXX so it is my signature every time. We process dozens of beneficiary designations each year. In many cases, I am asked for my personal Social Security number to open the account. As you may imagine, in this era of frequent breaches I am uncomfortable providing my personal Social Security number on a regular basis simply to do my job. It is not required under the law. There are a number of articles on this topic I am linking one : XXXX XXXX XXXX On most occasions, we are able to successfully persuade financial institutions that they do not legally need my individual social security number in order to set up an account for my organization, which only wants to receive the money it was bequeathed. However, after several conversations with XXXX XXXX XXXX, I was essentially given the choice of disclaiming the gift for my employer or providing my individual Social Security number. I am providing that number very reluctantly would like the CFPB to stop financial institutions like Huntington from this unnecessary and intrusive of my privacy. 

The people at Huntington I dealt with were XXXX XXXX and XXXX XXXX and a lawyer named XXXX.
I previously owned property which carried two mortgages. The property went into foreclosure and was sold. OCWEN was the holder of the second mortgage. OCWEN is showing a " charge off status '' on the property, which is reflected on my credit, continuing to severely damage my credit. OCWEN has advised that they require a copy of the " Trustee 's Deed Upon Sale dated XX/XX/XXXX '' and that OCWEN never received one. My Attorney has forwarded the document to OCWEN multiple times, beginning on XX/XX/XXXX, but OCWEN has not acknowledged receipt nor advised my Attorney or me, that the " charge off status '' on my credit report has been removed and my credit amended to reflect the XX/XX/XXXX date.
Problems with XXXX transactions showing up on this account when I did not make and I did not authorize any such transactions involving XXXX.
I was checking out with PayPal ( or so I thought ) and I ended up somehow signing up for their credit card! I feel as though I was tricked into signing up for a credit card I have absolutely no interest in having. I have really good credit and I 'm upset that they did a hard inquiry. At this point I do n't know if it would be better for my credit to keep it or close it. The damage has already been done with the inquiry.
I have received a collection letter from : Transworld Sytems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I have XXXX XXXX Member ID XXXX Group number : XXXX do n't understand where this bill is coming from.
On XX/XX/ 2019 we submitted a formal request for a trustee to trustee IRA transfer of approximately $ XXXX to Pentagon Federal Credit Union ( PenFed ) at the XX/XX/XXXX maturity of a five year certificate of deposit.. On XX/XX/XXXX we contacted PenFed inquiring why the funds had not been transferred and were still sitting in non-interest bearing share savings account. We were told that they found the transfer request and would process it. As of today. XX/XX/XXXX the funds have not been deposited with the new trustee, XXXX XXXX, although the PenFed savings share account shows a XXXX balance.
An account was placed under my name erroneously. Since then, BARCLAYS BANK has damaged my name, and my credit file. Has entered derogatory information into my credit file. I should not be responsible for BARCLAYS BANK mistake. Please remove the following information from credit report. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report and Police report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. <P/>BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE, XXXX XXXX RE : Account # XXXX FTC report Number XXXX