WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX is reporting the same debt with XXXX collection agencies on my credit report which is against the law ( FCRA ). They are reporting it with a company called XXXX IN, account number XXXX and Franklin Collection Services, account number XXXX. XXXX XXXX XXXX is trying to collect a debt in which I do not owe. I contacted the company explaining to them that they are charging me for 2 months of service when I had the service less than a month. I went to XXXX XXXX XXXX because they were one of the service providers that offered the discount for lifeline. The XXXX XXXX XXXX rep indicated that they can offer be a better service and did not provide my lifeline discount which was the reason I went to the company for lower rates which it did not pan out to be that way. I obtained the service with XXXX XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX because I called in because the equipment had not arrived and I am sure they can check there records of that. I switched my service back to XXXX on XX/XX/XXXX which was less than a month of service. XXXX made an error and assigned me at new phone number which was XXXX. But, when I went back to XXXX they were supposed to port my original phone number that I had with XXXX then XXXX XXXX XXXX but they did not. I tried to explain to XXXX XXXX XXXX as the party I spoke to said that you had to use our services because you had to have the phone for the internet. I tried to explain, that they XXXX had already gave a new phone number so therefore all my services were active with XXXX and when I discovered they had not ported my old number like they were suppose too, they ported it in. But I asked for someone in management to explain I was not using their service from the date of XX/XX/2016, was told someone would contact me, never heard anything and now I discover they have the debt on my credit reports with the XXXX collection agencies which is against FCRA and are suppose to be deleted by law. I have had XXXX in the past and always paid my bill and never had a negative circumstance and extremely upset they would result to this unfairly,
I have tried to obtain a modification from SPS who is now the servicer. For the past 3-4 years, I have had to deal with trying to modify my loan. I continuously send the bank everything they request for the modification and yet they have not assisted me or I was given a modification that just did not make sense! My understanding is that it should be should be affordable and the one they attempted to give me was at the same rate. It does not make sense that the bank would give me a modification that is at the same 7.46 % interest rate with a much higher balance, as the balance has not gone up due to the inordinate amount of time they have taken. It almost seems as if they stall since there is a little equity in my family home.
I could go on with the heartache this has created to our family. It is emotionally and physically exhausting to all of us. My parents as well have gone through a lot with this ordeal and their health is not the best. I had to file a chapter XXXX which in the end did not help. I then had to seek legal counsel to assist me with a work out with SPS and still the lender has been slow to reply. Why should I have to go through such lengths and costs and still may end up losing our family home?? We worked very hard to buy this home and we have tried very hard to keep our home. We are relying on a bank that does not seem to care since we have been working with them for, as I have mentioned previously, over 3 years with no resolution. Now it has been so much time, that we may not have the opportunity of a HAMP modification since those expired in 2016!
I am attaching my attorney 's letter that was sent to SPS which also details the circumstances we have gone through as well as other details of the situation.
Three years is a lot of time to have to deal with this, when the guidelines from what I understand is that the review should have not taken more than 30 days.
Thank you in advance for your assistance in this matter.
I have two hard credit inquiries I am disputing. The first is from XXXX XXXX, XXXX for a credit card from XXXX XXXX XXXX. The second is from XXXX XXXX, XXXX for a credit card from XXXX XXXX. Both of these were not authorized by me and were done by someone else fraudulently. I called XXXX XXXX XXXX to terminate the card and I have had no contact with XXXX XXXX.
XX/XX/18 Received phone call ( not robo ) from " XXXX '' who asked for me by name and left voice message asking me to call back regarding a person named " XXXX XXXX '' Asked me to call back at : XXXX ext XXXX. 

The phone # used to call me is : XXXX XX/XX/18 I called back using XXXX, spoke with " XXXX '' who asked for my account # or SS #. I told him I didn't have an account and wouldn't give my SS # over the phone. I asked what company : it was Ally Financial. I asked what the call was related to and he said auto loan. I said I didn't have an auto loan and asked what this was related to. He said " XXXX XXXX '' I told him I would report this and asked for further information. This is what I got is : Ally Financial XXXX XXXX, Manager XXXX XXXX XXXX XXXX, Minnesota XXXX Phone : XXXX Web : www.allyfinancial.comXXXX Email : not given He said he would remove me from his call list.
My fiance and I moved from XXXX XXXX, Texas to XXXX, Texas in XXXX. We had closed out the utility service and gave them a forwarding address. When we called and closed the account we had paid a final payment, and was told that the account was closed and that what we paid was the final bill. Because we are talking about purchasing a house, I wanted to check my credit report. I realized that there was a bill in collections. I immediately filed a dispute with XXXX and XXXX. I had never received any further contact from XXXX XXXX XXXX   after we had called to close the account. We were unaware that we even had an outstanding bill with them. Over a year later, they sold the bill to Credit Systems International. This debt has been in collections since XXXX. We have never received any notifications that we had a debt in collections. We have never received a debt validation letter notifying us that we had something in collections. XXXX immediately reversed the collections on my credit report, but XXXX is saying that they verified that the debt is mine. Three years later and I have never been contacted by this company via mail or left any type of voicemail letting me know that I had an outstanding balance due.
I am writing to contest the response given to me by Experian for a dispute I filed via the CFPB on XX/XX/XXXX. CFPB File # XXXX. 

The initial dispute was over a closed collection account on my Experian credit report for XXXX XXXX XXXX. My dispute and reasons for it are indicated in that case file. 

However, while Experian did respond, there is no indication in their response that they made any attempt to contact XXXX XXXX XXXX about the facts/information regarding my XX/XX/XXXX dispute. 

Instead, per the response, Experian relied on an initial dispute/inquiry into the situation that I had placed through them directly in spring XX/XX/XXXX. Their result at that time was unsatisfactory, hence my dispute via CFPB on XX/XX/XXXX. 

I find Experian 's efforts into my XX/XX/XXXX CFPB dispute unsatisfactory, as the situation warrants further energies and investigation on their part. 

Furthermore, I have made good faith efforts to resolve the issue directly with XXXX XXXX  XXXX - via phone and mail. XXXX XXXX XXXX has failed to respond. Just as they failed to contact me in XX/XX/XXXX about my outstanding balance, never giving me a chance to clear the final bill before it was reported to Experian in/around XX/XX/XXXX.
When I began school I received a student loan from Sallie Mae which is now Navient. 
I was told that my loan could be consolidated and I would not have to pay until I completed school. My loan was consolidated to a lower rate through then Sallie Mae. I was told that if I paid the loan amounts and was not late with any payments and remained in public service for 10 years and was never late my loan would be forgiven. I did this, I was never late and I worked and stayed in XXXX  work for over 10 years and am still working in XXXX work. I delayed retirement so that I could receive forgiveness and my balance would be forgiven, like teachers and other government workers as stated in the paperwork I received. I applied for forgiveness and was told my loan didn't qualify because it was the wrong type of loan, 15 years later. This is not right I was never told that certain types of loans and lenders would disqualify me for forgiveness. I had no knowledge in this. I understand that I am not the only one and that lawsuits have been filed regarding this fraud. I have contacted everyone I know to contact to have this issue corrected. Effective this month ( XX/XX/XXXX ) my monthly payments have tripled. I will not be able to pay this loan off and delayed retirement. The interest accumulated and now I owe 3 times as much as the original loan. There should always be a program or forgiveness when someone risks their life for the community. I am a spouse of a veteran of the XXXX and XXXX XXXX wars and have always done the right thing. Now you need to do the right thing. Retiring should always be given a reduced amount to pay. or forgiveness. I earned my education and used it for the good of the country. Stop this craziness I paid for most of my education but some of it I could not. I don't want to be punished.I don't want to be a used or ignored. I just want what is due because I followed the rules. Now you need to follow the rules.
I applied for a Home Equity Line of Credit XX/XX/XXXX. My home has been paid off since XX/XX/XXXX, My credit score is XXXX. I have been told by Bank America that there is a Lien on my property that's been there since XX/XX/XXXX. I initially had a 30 year FHA Loan thru XXXX XXXX   that was purchased by XXXX XXXX XXXX, that was later purchased by XXXX XXXX. On XX/XX/XXXX I refinanced my mortgage for 15 years with XXXX XXXX who paid-off my 1st 30 year FHA mortgage ( XXXX XXXX became Bank America ). On XX/XX/XXXX I paid off my mortgage with BankAmerica. I have since had a {$70000.00}, Home Equity Loan with BankAmerica paid-off, and a car loan paid-off Both XXXX XXXX XXXX  and Bank America have been negligent In the procedure they used in handling clearing out that old {$51000.00}. I never received paperwork from Bank America when they paid XXXX XXXX off, nor did I get paperwork from XXXX XXXX showing the mortgage was paid. 
In the Superior Court of XXXX County on Book # 1240, Page # 25 is  the amount {$51000.00}. Both banks have been paid. PEASE HELP ME.
I had originally disputed this debt on XX/XX/2018 directly with XXXX after sending two disputes to the credit bureaus. I went on the CFPB 's website and found a sample letter to dispute this account and request what was needed to dispute & validate the debt. 

I received a very vague response on XX/XX/2018 that did not address or validate everything that I requested. 

Even on the FTC website it states the following : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless  the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

This was clearly ignored and could be argued that it is a violation of the FCRA.
The medical bill owed does not belong XXXX. The debt is a hopital bill that belongs to XXXX Hospital. This bill was reported to, XXXX didffrent agencies meaning that I would have to pay double for XXXX bill that was reported twice.
I have a complaint against PayPal for unauthorized transactions, false directions, Invasion of Privacy, fraud and scam. 
XX/XX/2018 I was trying to access my api to set up payment on my hosting account. I called PayPal to find who the third party was that was using my account. The representative told m that my account needed to be updated first then he would take care of the api situation. The representative, he used the XXXX XXXX XXXX XXXX  to update my computer to the new PayPal program. He then wanted to test my bank account and credit card. The representative put {$430.00} into my bank account without my ok, then told me that the only way he could see if the account was active is for me to go get {$400.00} worth of XXXX XXXX Gift Cards and come back to read him the number on the back. 
I went and got the XXXX XXXX Gift Cards, came back home and gave him the numbers. I then asked about the api situation. Then I was told that I had to go through the previous process again. I told the representative that as long as I have been dealing with PayPal I have never had to go anywhere and purchase anything to prove that my account worked and that PayPal never tested any of my accounts over {$2.00}. I was told that if I wanted to straighten out the api situation that I would have to do what he said. I told him that I refused to go back to the store. 
So the Representative put his supervisor on the phone. The Supervisor went through the same drill and entered {$1000.00} into my bank account without my consent. I asked him why did he put that large amount of money into my account and that I did not tell him to do that. He told me to go get the gift cards or that I would get a lot of trouble. Still on the remote support, he order four gift cards from XXXX in the amount of {$200.00} each and told me to call XXXX and ok the authorization. 
In the meantime, XXXX emailed me about an unauthorized transaction and to change my password. I then started reading more emails. PayPal sent me an email saying the {$430.00} was a transaction error. 
Gift Card Scams from PayPal. 
The phone numbers associated with this event are : XXXX, XXXX, XXXX, and XXXX XXXX. 
XX/XX/2018 XXXX XXXX says PayPal tried to take {$480.00}. Unauthorized. XXXX shows the deposits and other transactions. 
XX/XX/2018 Received another email : transaction error or {$1000.00} and a minus {$1000.00} in my Paypal Account. Paypal is blocking me from reporting to the resolution center. I need to be refunded {$400.00} for the gift cards the rep verbally forced me to get and my account cleared as it was before this incident. 
Also, I was told by the supervisor that the only way I could return the money is by purchasing more gift cards. Which an email about a transaction error will follow.
I am being Charged for early terminaton fees on XXXX contracts I cancelled due to being mislead and I feel that XXXX also falsely signed another contract that they did not make me aware of they had me sign the 2 year contract with them using an electronic sign pad then told me that It did not take the first time and that I had to sign again they never told me that I was signing XXXX contracts they also told me that because it was XXXX special I was getting a Free speaker which they charged me XXXX for I would have never bought the speaker for XXXX if they would have told me the truth. When I called XXXX corporate office they said that the employee had been terminated and that they would credit my account XXXX but that they had my signature on the documents when I told them that it was fasley signed they also said that t was my problem I have had many complaints and all they can reaasre me of is that the employee was terminated and that I was not the only person this employee had done this to. I fell that I should not be reponsible for having to pay these terminatin fees due to feeling like they have violated my rights and in a sense commited fraud against me for copying my signature onto documents that I had not agreed to
I have disputed with all three credit bearues multiple times and some of the disputed come out verified and not removed I sent them mail of a identiy theft report via fax and mail also. They state they never receive it but I have proof of sending them it and they even keep adding collection but times care of some. On Equifax I haven't even received a response and they hang up on me on the phone. I just want my credit I never even had a credit card and I don't have an opportunity to build it. They are not helping me at all
I was mislead by XXXX XXXX and was under the impression that they were helping me to reduce my monthly payments on my federal student loans. Instead, they were charging me for services that I was unaware of, leading me to believe that my monthly payments of {$100.00} were going towards my federal student loans. I have been under this deception since XX/XX/2017 and I am in the process of requesting a full refund and cancellation of my membership with XXXX XXXX and XXXX XXXX XXXX
Three payments of {$840.00} were received by XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in settlement of account ; XXXX agreed to report status of account as " unrated '' to credit repositories. Credit dispute was filed with XXXX and was confirmed on XX/XX/XXXX. 

Letter citing " Pre-Legal Notification '' sent by debt collector, XX/XX/XXXX. Response made even date citing account resolution.
I financed a car from XXXX XXXX i recieved the loan through credit acceptance XX/XX/18. I went to register my car and the DMV said my car was a stole car my son was put in handcuffs and we were detained. I happened to have my financing paperwork with me so the officer seen that I didnt steal the car. The officer ran a check on the paperwork that i provided him with and found out that the car lot sold the car I financed to someone out of state. I contacted the dealership about the incident and they returned my down payment .I also contacted the bank to get the money i paid into the car loan they said that they would be sending me a refund check for the amount i paided into the vehical that was on XX/XX/18 now when i call asking about my check the bank reffer me to the car lot and vise versa. I asked if they could put track on the check and i get no help.
We have had a home equity account with Wells Fargo since XXXX. The 10 year period of the account is over in XXXX of XXXX. I spoke to a representative in XXXX about wanting to know what were Wells Fargo 's programs that I could possibly use to change my Home Equity account into when the 10 year period was up. I told the rep I wanted to know what all the fees and rates were. He said the only way I could get that was to sign a paper he would send me basically agreeing not to take anymore money from the home equity account. I was n't intending to take any more money from the acct so when I received the letter in the mail that clearly states " Request To Terminate Future Advances ( Home Equity Line of Credit '' and nothing else on this sheet of paper my wife and I signed it. XXXX3 weeks later we get a letter from Wells Fargo that our Home Equity Line of Credit XXXX XXXX XXXX was changed to a 15 year fixed rate mortgage at a 4.8 % rate with a monthly payment of almost {$2900.00}. We are XXXX retired and our fixed income comes no where near being able to afford this. We immediately called Wells Fargo and larged a complaint. We were told that we had agreed to a 15 year fixed rate mortgage during my conversation on the phone. I asked to hear the conversation that was supposedly recorded by them and they refused. I would never agreed to a 15 year fixed rate mortgage that I ca n't afford and the fact at the time I still had 6 months left on my Home Equity Account where I was paying {$1300.00}. Why would I agree to pay {$2900.00} rather than {$1300.00}?? 
Since that time I have had my complaint reviewed by Wells Fargo and they still insist I gave them a verbal OK to switch to a 15 Year fixed rate mortgage, WHICH I DID NOT!!!! 
I have refused to pay the new 15 year fixed rate mortgage monthly amount of {$2900.00} for the last three months, my credit rating continues to go down and no other bank will give me a loan because I am now behind on the 15 year mortgage that I was put into without my approval.
I am filing this complaint because Ditech Financial is unjustifiably holding my escrow overage of over {$500.00}. My mortgage escrow account was due for a yearly analysis XX/XX/2016. This was the procedure for prior years and was noted on Ditech 's online website. XX/XX/2016, I noticed that the analysis STILL had not been done. I forwarded an email to them and the next day the analysis was finally done. The analysis showed an overage on my account which was mailed to me. The problem, in addition to being one month late, was that I had moved just as this check was mailed to me. I waited for three weeks and when the check and analysis was not forwarded by my post office, I sent an email to Ditech instructing them to stop payment on the check and issue a new one since I believed either it was lost or was being returned to Ditech. The check finally arrived a few days later and I decided to deposit the check since I had heard nothing from Ditech in reply to my email. The check cleared and I assumed the matter was settled. However, Ditech withdrew the money from my account. When I called them in early XXXX, 2016, they said they had done what I had requested. In fact, I requested a stop payment NOT a withdrawal and I told them to reissue the check and send to my new address. So they did NOT do what I had requested in my email. The withdrawal occurred on XXXX XXXX, 2016 and as of XXXX/XXXX/2016 ( nearly two months ) I STILL have not received the replacement check. Ditech has no right to hold on to this money. I believe they are trying to float the money which is profit for them using my assets. This should be and may well be illegal. I have written them numerous emails trying to get this resolved. They, in turn, have done nothing except send form letters that they are " reviewing my written request ''. There is nothing to " review ''. They clearly have an obligation to give me my escrow overage money and are using stalling techniques to avoid paying me what they have owed me for over 4 months.