WillisBack/dataset-financial-user-claim huggingface dataset:
I have made several attempts to dispute a debt claimed by Portfolio Recovery Associates ( PRA ) and have received insufficient information to validate that PRA actually owns the debt. They claim to have purchased a debt from XXXX XXXX XXXX XXXX in XX/XX/XXXX and that they received 'electronic files ' verifying the account belonged to me. Upon their first contact with me, I disputed the debt and was sent only a statement from the original creditor dated XX/XX/XXXX. I have requested several times ( the latest time being XX/XX/XXXX ), and never received, a Bill of Sale proving that the alleged debt was sold and is actually due and payable to PRA, a copy of the original contract, or any proof that they have any right whatsoever to collect this alleged debt. I have however received from them many collection letters beginning in XX/XX/XXXX throughXX/XX/XXXX from the 'Legal Department ' as well as attorneys for PRA threatening to file suit to collect the alleged debt. I have also received from PRA many settlement offers, some as low as 40 % of the alleged debt, to settle with the understanding that my credit reports would show the debt to PRA was 'settled for less than the full amount '. This is unacceptable to me and I chose to ignore such offers at the time. After having this un-validated stain on my credit report for some time now, earlier this year I decided to make a settlement offer to PRA. On XX/XX/XXXX they received a letter from me offering a settlement of 10 % of the account balance in exchange for deleting their credit line from the credit reporting agencies. They failed to respond to my offer, so I attempted to communicate with them by telephone. I called on XX/XX/XXXX and was told that no settlement offer was available for any amount other than the full balance of {$940.00}. I declined, and instead sent yet another debt validation request. Now, PRA has decided to not only refuse to validate this debt, but they have refused as well to negotiate any kind of settlement on a debt they can not substantiate. I believe the actions of PRA to be in violation of many provisions of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and very much in violation of the Consent Order 2015-CFPB-0023 entered into between PRA and the CFPB on XX/XX/XXXX.
Midland Funding continues to report a duplicate account to all of the credit reporting agencies despite my efforts to get them to validate this debt. The original creditor is showing on my credit report and so is Midland. When I learned of Midland I asked them to validate the debt and they did not respond. This is a violation of FDCPA 809 ( b ). Since they refused to respond to my request for validation I disputed it directly with them and they ignored that and did not report that I had disputed it to the credit reporting agencies. That is a violation of FDCPA 807 ( 8 ). Basically Midland Funding is employing every predatory tactic there is to collect a debt that is beyond the statute of limitations. They also re-aged the account on the credit report. That is a violation of FCRA 605 ( c ).
XXXX XXXX XXXX has added fraud debt to my Credit reporting agency. This information is fraud and have not been validated. I have disputed this debt with XXXX XXXX and got no signed credit agreement showing my signature that I agreed to this debt. Midland has not sent me the signed credit agreement with my signature that I requested and by law when a account is in dispute no negative information is allowed to be on the consumer credit report. This debt was removed a while ago and no it has mysteriously ended back on my credit report.
I am trying to stop hard copy statements for my mortgage loan. My mortgage servicer is telling me that they can not stop them, as CFPB and " the law '' require them. I have no doubt that this is true, but I do think it is stupid. Is this actually required by the law, or was it just included in one of the implementing regulations? Can you give me any insight as to why the Government regulations are requiring the waste of paper and the increased costs of printing, postage, and distribution of something I do n't need or want?
Bank of America has represented to me multiple times and as recently as XXXX XXXX, XXXX the assigned dedicated single point of contact ( SPOC ) issued the Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) denial letters on appeal. This is in violation of MHA HAMP guidelines and the National Mortgage Settlement ( NMS ) enforced by the Consent Judgement Order of XXXX XXXX, XXXX. Just to be clear, the SPOC may not conduct reviews on escalated cases including, but not limited to, appeals and incorrect denials upon completion of an initial review. 

On XXXX XXXX, XXXX Bank of America represented to me my home and property has been sold on XXXX XXXX, XXXX. This must refer to the Trustee 's Sale at public auction of XXXX XXXX, XXXX. I have informed Bank of America of my continued property occupation and possession prior to the recording of the Notice of Trustee 's Sale ( NTS ) and sale date through a claim of right and by color of title, and virtue of property tax payments for sixty continuous months, concurrently. 

All previously mentioned resolutions are desired and mandatory. 

Causes of Action and applicable state and federal law : 1 ) Intentional infliction of emotional disstress. 

2 ) Negligent infliction of extreme emotional disstress. 

3 ) Fraudulent infliction of gross emotional disstress and stress. 

4 ) Intentional misrepresentation on a mortgage or Deed of Trust. 

5 ) Negligent misrepresentation on a mortgage or Deed of Trust. 

6 ) Fraudulent misrepresentation on a mortgage or Deed of Trust. 

7 ) Unfair, poor and deceptive practices. 

8 ) Mortgage negligence. 

9 ) Mortgage fraud. 

10 ) Modification negligence. 

11 ) Modification fraud. 

12 ) Foreclosure negligence. 

13 ) Foreclosure fraud. 

14 ) California 's Unfair Competition Law ( UCL ) Claim. 

15 ) Privacy Act. 

16 ) Racketeer Influenced Corrupt Organizations ( RICO ) Act. 

17 ) Real Estate Settlement Procedures Act ( RESPA ( enforced by Regulation X ) ). 

18 ) Truth In Lending Act ( TILA ( enforced by Regulation Z ) ). 

19 ) National Mortgage Settlement ( NMS ). 

20 ) California Homeowners Bill of Rights ( CalHBOR ), California Civil Code Section 2920 - 2944.10. 

21 ) California Business and Professions Code. 

22 ) Title 12 United States Code Chapter 28 - Emergency Mortgage Relief. 

23 ) Making Home Affordable ( MHA ) Act. 

24 ) Home Affordable Modification Program ( HAMP ). 

25 ) Rosenthal Act. 

Continued in Desired Resolutions portion of complaint.
My Private Student Loans were serviced by XXXX XXXX prior to the 2014 split into XXXX XXXX and Navient. I repeatedly asked XXXX XXXX representatives to be enrolled in the 12-month rate reduction program, and was supposed to be enrolled in the program in early in 2014. However, when I contacted XXXX XXXX after the 3 monthly payments were made the representative stated that I " was n't eligible for that program, but I can make 4 weekly payments instead ''. I have NEVER been able to coordinate the 12-month rate reduction program with either XXXX XXXX or Navient since early 2014.
They keep asking for XXXX XXXX that doesnt exist in my household. They call me all the time even on Sundays after letting them know this person does n't live here nor do we know the person and each one will claim to remove my number but still bothers me.
I have sent  XXXX  several letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I sent t hem a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informat ion (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA legisl ation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .
I contacted the company that issued the debt to CMRE and they said they would contact CMRE to remove the debt owed, since it was off the books. However, CMRE still has not removed the debt from my credit report, thus financially hindering my credit abilities and is in violation of the fair credit reporting act. CMRE fails to return any of my phone calls or acknowledge my attorney 's letters. XXXX Adverse Accounts still remain on my credit report from CMRE Financial.
I tried to payoff my balance on the credit card. I am experiencing financial difficulty and therefore wanted them to waive off the late fee to make the full payment on the credit card, but they would not do that and they mentioned that they would not want me to close the card. I am really disappointed that for a very nominal amount of money I have borrowed they interests rate have 19.2 % XXXX and the credit limit was never increased and they interest I have paid thus far is more than the amount I owe. And on top of this they really do n't give any other options other than to make sure that they rip the customers off. They are definitely counting on people like myself who have to borrow money to make ends meet but is unable to make the payment due to various reasons.
I have reached out to the company multiple times stating to stop ACH payments because I am trying to get the account closed. I recently had an issue with someone attempting to use my credit and personal information. I have already placed credit freeze on all 3 bureaus and now attempting to close an account and open another. My bank can not close the account if their is charges pending. I have no money going into the account to avoid being a target of more fraud. I have asked to company to allow me to send payments via money order or cashier checks to continue to make payments however they are still withdrawing money from the account I told them not to. At this point I am going to advise my bank it is fraud and I want to report them from attempting to take money from an account I did not authorize.
Their Reps keep calling, they do not leave any message regarding the debt owed, who they represent, etc.
Experian report showed joint responsibility for a mortgage that has been assumed by my wife. I filed a dispute XX/XX/XXXX and received notice it was completed today. The item still remains on my credit report showing joint responsibility but with a note that shows I disputed it. I have documentation from XXXX XXXX explicitly stating that I am " hereby released of any financial obligation. '' That is not a description of joint responsibility for an account.
When I was reviewing my credit report I noticed a collection from XXXX XXXX company, I reached out to the credit bureaus to investigate its reporting to which it has come back verified, I then reached out to XXXX XXXX  I got no response I then filed a CFPB complaint on XX/XX/18 to which I got a response saying as follows " Company 's Response Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that the very same concerns were recently raised by Mr. XXXX in a previous CFPB complaint. As we advised previously, we can not locate the file in question with the information that has been provided to XXXX as part of the consumers complaint. We would appreciate it if Mr. XXXX could provide us with information on the specific account in question. If he could please upload to his complaint a copy of a letter with a XXXX  file number and/or a copy of his credit report, we would be happy to investigate the consumers concerns further. We trust this resolves your concern. 
Now I don't have any information to provide since I don't know what this is and since they couldn't locate the file i'm unsure how the credit bureus ever did a real investigation. Like what they refer to in the XXXX Vs Transunion lawsuit.
A decision was rendered by the XXXX XXXX XXXX XXXX wherein the proposed decision was a finding had been made that the bill for services submitted by XXXX was done so too late and as a result both myself individually and the insurance carrier was found NOT to be financially responsible. A thirty-day period was provided in which to object to the decision and no objection was filed by XXXX. As a result the decision was filed in XX/XX/XXXX. 

This bill for XXXX has been continuously reported every month to the credit bureaus by XXXX through their collection agent XXXX XXXX XXXX XXXX as an open collection account. In fact, during the specific time frame in which the proposed decision and the final decision was filed, the collection agent XXXX XXXX XXXX   XXXX each time updated their reporting again reporting the collection was accurate. 

Despite several calls to the company, sending them copies of the decision, they have refused to cease reporting it as a collection. In fact, during my most recent conversation with XXXX XXXX XXXX XXXX on XX/XX/XXXX, I was informed by " XXXX '' after he spoke with his supervisor that even with knowledge of the decision, that neither myself or XXXX XXXX was responsible, he advised they intended to continue to pursue repayment from XXXX and while doing so they would continue to report it as a collection account in my name, but would mark it as an " insurance hold '' internally. 

XXXX XXXX XXXX  XXXX are knowingly and willfully reporting false and inaccurate information to the credit bureaus which is having a negative impact on my ability to both obtain credit and to obtain competitive interest rates, all while knowing a decision was rendered finding me not financially responsible.
A few months ago I recieved a collection call from someone who said they were with Phoenix Financial Services. I asked who is the creditor and what are they saying I owe. They told me I had a hospital visit back in XX/XX/2015 to a hospital in XXXX, TN. She still did not give me any specifics behind that. I told the representative, that I had not visited a hospital in XXXX, in XX/XX/2015. I had a visit earlier in the year but my bill was only {$60.00}. I asked the representative what was the dispute process and she told me I would have to talk to the original creditor. When I asked again who the creditor was, she told me she could not divulge that information. So immediately I thought this was a scam because I had not received anything in the mail from this company. The next thing I know, I get an alert saying a collection was added to my credit report. So i logged into my monitoring service and there was the Phoenix company again with a collection for {$760.00}. Still no communications in the mail had been received, i had not received any more phone calls from the company or nothing. Now I have a blemish on my credit with no information and no communication or opportunity to dispute.
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX claiming that I owe XXXX {$25.00} and an additional fee of {$25.00}. When I attempted to submit a dispute on their website with several different browsers, a " submission error '' was received. 

I dispute this charge because I did not make any purchase from XXXX or one of its merchants on the date in question ( XX/XX/XXXX ), I have not used handwritten cheques since XX/XX/XXXX ( and have not ordered any for my current account ) and have never had one numbered XXXX or anywhere near XXXX ( my chequebook was numbered from XXXX up ), I closed my original checking account on XX/XX/XXXX because I accidentally sent my financial information to a stranger online ( perhaps that is what this stems from ) and none of the accounts I use for online purchases show ANY attempted debit from XXXX on the XXXXXX/XX/XXXX, so please, correct your information.

Thank you and may the XXXX be with you.
Bank of America OverDraft Items fees ', XXXX Putting consumers into more debt and or taking their hard earned money. Bank of America rearranges accounting to suit their needs. They also should not charge if deposits are made to the account within XXXX hours, fees ' should be reversed, especially if a consumer calls and requests assistance. Email notifications of low balances do not occur at times for up XXXX hours after. I made deposits on so many occasions on the requested fee reversals.
Opened an account with Chase bank XX/XX/XXXX Everything was fine got approved got my temp card, ordered checks made deposit on both checking and saving account. 
2 weeks later Notice i wasnt able to use my card to purchase anything after I activated my card Call XX/XX/18 they stated that they closed my account without noticed - they refused to tell me why no explication or no rsolution to fix the issues ... I feel I have the right to know my history or atleast why they denied keeping my account open with chase.
This complaint regards to a undelivered account opening bonus promised and also confirmed by Citibank.
They keep calling all my family members and parents and telling them to tell me to get a lawyer and should not be going over my business with all my relativesWhen they call my cell never leave a message they threaten on the phone using scare tactics - and asked them to not call family members but they do and family members just hang up on them
I just checked my credit reports as of  XXXX   XXXX   17 and only  partial information was fixed. The request for the removal of 30 days late was not take off. Transunion had fixed their information around  XXXX   XXXX   17 and  my score and account were fixed. However, it has since been reverted back to 30 days late for some reason even though all the information shows it was n't late.  XXXX  updated their information on  XXXX    XXXX    17 ex cept still showing as 30 days late.   I am requesting 360 resubmit the request for the 30 days late be removed and the current status to reflect CURRENT or PAID AS AGREED. Never late.     I request this be done immediately as a future loan is pending this correction and is causing serious headaches for me. I have wrote t he President of 360 again t o make him aware of this and to see if this will be fixed quicker as well. I understand   360 will have 15 days, however, i need to have this done in the next 7 days as my future loan and home depend on this. I am also requesting 360 refund the {$39.00} I paid to check this correction via   XXXX   since the corrections were not completed correctly.     This references previous CFPB submission Case number :  XXXX
Equifax involuntarily released my, and millions of others, private information. This could potentially have a severly negative impact on my financial well being in the future since I am no longer in control of any of it. This happened in early XXXX, 2017 but could linger for years looming over me and others knowing we have been compromised.
CHEXSYSTEMS IS REPORTING A ACCOUNT FROM A DEBT COLLECTER ( XXXX ) .THAT FILE HAS BEEN DISPUTED AND CLOSED, WITH XXXX. XXXX IS NO LONGER, AND THE OTHER XXXX COMPANIES, XXXX XXXX SYSTEMS AND XXXX CALLERS XXXX DOES NOT HAVE IT ALSO. THEY DO NOT SHOW IT BY MY ACCOUNT NUMBER OR MY SOCIAL SECURITY NUMBER. I AM TRYING TO HAVE IT REMOVED, SO I CAN JOIN A CREDIT UNION.THIS SHOWED UP AT THE CREDIT UNION.ON BEHALF OF CHEXSYSTEM.
Many months ago I was contacted By " XXXX '' whom are taking actions by suing me for debts I can not pay. I had agreed to settle on a payment plan which was going well until I lost my job and was not able to continue to payment plan. I found out XXXX XXXX XXXX and XXXX were order to cease business operations due to unethical business practice. Being the only working provider in the household is quite hard to keep the lights on. I work XXXX jobs and ca n't afford to keep current on many other expenses that are coming due. I came to found out that " XXXX XXXX XXXX and Associates '' is now operating under " Cooling and Winter, LLC '' whom are now continue to sue me and threaten to seize/ garnish my wages and will continue to do so until I have nothing left. My wife and I have attempted to contact them regarding my situation and they still do not care of what financial troubles we are experiencing.
I XXXX XXXX, entered the Wells Fargo branch located on XXXX XXXX XXXX, XXXX, GA XXXX around XXXX. I am a XXXX bank customer attempting to deposit my personal check paid to the order of my mother XXXX XXXX for {$800.00} who is a Wells Fargo customer. I wrote deposit only and her acct # in back of the check due to the fact she lives in XXXX and is not able to endorse the check in person. The teller at the window advised me that they are no longer excepting checks that are not endorsed by the acct holder themselves. This policy is unknown to me and there is no signage anywhere in the branch that has such a policy written. The service manager advised me that they only except cash when you are not the card holder. This is very inconvenient for those who do business and need a paper trail. Checks are how I pay my rent. I called another Wells Fargo branch who was n't aware of this stores policy. I also spoke with the service manager XXXX XXXX who advised that they could simply not accept the check. the branch manager XXXX XXXX advised she would double check policy but never called me back for an update. The lead teller XXXX XXXX could also not tell me why this policy only applied to this branch. If this is Wells Fargo 's new policy, they should apply it across ALL locations and make non customers aware. Now it sounds like an all cash business if you do not have an account with Well Fargo. I feel we are being punished for Wells Fargo ability to detect fraud. their lack of loss prevention should not fall on customers whether we have an acct or not.
Over the weekend, I received alerts that a new collection account was added to both my XXXX and XXXX credit profiles. When I checked the alerts, it showed that MIDWEST RECOVERY SYSTEMS had added the collection account but I never received any notification concerning this, which I believe is illegal.
I have repeatedly provided IQ Data with my bankruptcy paperwork, and XXXX with the paperwork required. This was on my bankruptcy in 2008 and has been discharged. No matter how many times I tell these people this has been discharged they will not saying it is an open collection and will not remove it from my credit report. The people are rude and aggressive and I have had enough.
I did not apply for any mortgage online. I have disputed this with XXXX XXXX and XXXX XXXX   twice and they are not working with me. I have also disputed this with Equifax credit reporting agency and they have refused to take it off of my credit report.