WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX kept sending me bills for items I had already paid on or paid in full. I finally gave up calling them and sent a complaint to this agency. They then sent me a bill for the final, remaining combined balance. It was correct, so I sent in the payment of {$64.00} on XXXX XXXX, XXXX. Thinking it was now all over, I felt calm and went on with life. 

Yesterday, in the mail, I got a letter from " Sunrise Credit Services , Inc. '' on behalf of ... wait for it ... XXXX!!!! It is XXXX XXXX, XXXX!!!! They have an account number and balance of {$82.00} and give XXXX XXXX. XXXX where you have options on " if you pay by ... send {$62.00} '', which gives you {$20.00} off '', etc. It also declares you can use your " Tax Refund '' to clear up this debt ... Call us ... We 're happy to help! We can Grant Your Wish ''. Oh, and by the way, the last line says : " This offer will expire on XXXX XXXX, XXXX. We are not obligated to renew this offer! '' Not that I need this offer, but if I did, I only had one day to respond! Unbelievable these people! 

I refuse to contact them and deal with this again. It has been paid. If they put this on my CREDIT REPORT, I am going to explode! 

XXXX needs to get its records straight on how much people pay on their so-called " installment plans '' and when the bill is paid in full. Apparently their bookkeeping department is deficient and causing stress to consumers of the goods they advertise and sell. I thankfully kept ALL of my records from the time I ordered until I paid off the bill. Otherwise, I would have possibly been fooled into thinking they were correct! How many of our elderly out there are falling for the faulty billing practices of this phony give-a-way program? It should be investigated! 

Now, I am asking for your help with this bogus credit company trying to collect a debt that I do not owe. I appreciate any assistance you can give me in this matter as it is extremely frustrating and ridicules.
After looking at my credit report as i am trying to purchase  my 1st hom e i noticed This collection account w ith Trident Asset  management, I called them and sent a certified letter for them to validate it and I never received the proper validation. I sent in disputes with all  XXXX  CA and they came back verified but I never received verifiable proof of this negative event.
Hello, Wells Fargo is charging me for litigation fees they have incurred based on a violation by the XXXXXXXX XXXX XXXX XXXX. The problems are as follows : - the XXXX XXXX XXXX XXXX violation was resolved by myself in XX/XX/XXXX. My correction was accepted by the XXXX XXXX XXXX XXXX and there were no associated costs or penalties. 
- the first charge from Wells Fargo was in XX/XX/XXXX ; AFTER I had resolved the issue. 

- the first time I was informed by Wells Fargo that I was being charged for litigation fees related to this violation was XXXX XXXX. In this letter, Wells Fargo stated that the case was " still open '' and therefore they could not tell me the amount to be charged to me. Keep in mind, I had already resolved/ corrected the violation in XXXX and the case was closed with the XXXXXXXX XXXX XXXX XXXXXXXX . 

- On XX/XX/XXXX, Wells Fargo again wrote a letter but this time stating that the case was " now closed '' and sent me charges totaling {$630.00}. 
- I called and wrote to Wells Fargo about these charges and provided evidence that this issue was resolved in XXXX. 

- On XX/XX/XXXX, a Wells Fargo letter stated that I must pay their fees because my mortgage agreement holds me accountable for claims against the property. However, there were no claims or violations against the property at the time of the charges. Further, the dates of charges on the letter had errors and I again wrote to them. There was a new charge on this new correspondence which dates back two years for " attorney fees. '' - In a new correspondence, Wells Fargo again closes my case on the basis that the mortgage agreement holds me accountable for charges related to claims on the property. They failed to explain why one charge was dated back to XXXX. I still do not understand why I am responsible for costs that were incurred AFTER an issue was already resolved? 
This is unethical and unjustified.
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
Company failed to provide document bearing my signature stating I have a contractual obligation to pay them. I want this removed from my credit report Looking at my credit report back in XXXX of XXXX I saw accounts in collections and I never gave any company the right to share my information. One for {$58.00} which is listed on my credit report as account XXXX and another for {$92.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XXXX the XXXX XXXX requesting that they validate the debt AND show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills on XXXX XXXX XXXX with itemized records showing procedures that were performed stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I received revealed personal and medical information about me. I sent a follow up letter on XXXX XXXX requesting this information and they failed to respond within 30 days of receiving the letter. They are in violation of FDCPA and FCRA.
I reported to TransUnion customer service that my information has been involved in Unauthorized Hard Inquies on my credit report. There is five unknown Hard Inquies within a significant time frame. Customer service didn't nothing to resolve the matter. 

XXXX XXXX XX/XX/XXXX ( Unauthorized Hard Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Unauthorized Hard Inquiry ) XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX ( Unauthorized Hard Inquiry ) XXXX via XXXX XXXX  XX/XX/XXXX ( Unauthorized Hard Inquiry ) Respectful, Disappointed
In early XXXX I was shopping for a new vehicle. During this process multiple credit pulls were initiated and are now being reported without a permissible purpose of auto financing. I contacted the financial institutions initially on XX/XX/XXXX, when they failed to correct the situation I contacted the bureaus on XX/XX/XXXX. I also made an online dispute to Experian on XX/XX/XXXX and in two days they still responded stating that it was verified. They all responded that the inquires were authorized.

My credit score is being heavily affected because multiple ( predatory lending ) inquiries were initiated for the purpose of personal financing when I was actually shopping for an auto loan. These entries are being reported incorrectly and not one of these credit reporting agencies completed an actual investigation to validate this. 

XXXX XXXX is reporting hard inquiries without a permissible purpose for XXXX  ( XXXX  XXXX XXXX  XXXX  ) on XX/XX/XXXX and XXXX   XXXX on XX/XX/XXXX. 

Experian is reporting hard inquiries without a permissible purpose for XXXX  ( XXXX XXXX XXXX  XXXX  ) on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX. 

XXXX  is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 

All parties involved are fully aware that continuing to report this is a FCRA violation and defamation of my character by portraying me to look as though I'm applying for multiple personal loans from various financial institutions.
The three request letters that has been sent to the following organizations has resulted in little success. All letters have been mailed with copies of my ID and Social Security Card for verification. In my letters I've demanded Great Lakes to send me documents showing that the accounts on my credit report belongs to me and to verify the balance. I've also reached out to Great Lakes via email to fix the error. Great Lakes is violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. I have sent these letters in disputes to XXXX XXXX, XXXX, and XXXX  in the beginning of XXXX with the last letters being sent on XX/XX/XXXX. XXXX  has removed the account from my credit report while XXXX XXXX and XXXX  has sent me dispute result saying the account had been verified without correcting the error. However, I'm confused as for as how was Great Lakes about to verify with XXXX XXXX and XXXX  but wasn't able to verify the account with XXXX. Due to the information that I have and the fustating process I plan to seek litigation for relieve and monetary damages.
We continue to get calls XXXX and XXXX times a day from XXXX XXXX XXXX for a debt that is not ours. When I talked to the rep they claimed a debt from XXXX. I have never done business with XXXX and they continue to want me to give them the last XXXX digits of my social security number and date of birth, which I will not do as they do not even know who they are calling.plus once they have this information they can resell it to other unscrupulous debt collection agencies who could use the information when they make calls. Now when I answer the phone from them, they claim to have a system error or the call can not be forwarded but they continue to call at least twice a day I ask the CFPB to require XXXX XXXX XXXX to send me written notification of the claimed debt, dates, amounts, etc. Until they comply, I ask the CFPB to require they cease all contract via telephone.
I have raised a dispute with Experian for the late payment reported from XXXX XXXX XXXX XXXX is not correct. they are showing some federal reserve has stop payment in my checking account so the card payment was not successful. I contacted my bank XXXX and there is no stop payment. I reviewed the stop payment document federal reserve and the company name is showing XXXX instead of XXXX. this is different company name they are trying to use my checking account. NWFCU credit card is not showing any proof of the stop payment on their company name. I asked them this is different company why its not in your company name and they are not responding, for last 8 months I have very difficult time and they have reported late payment 60 days. the credit bureau I do n't know whether they have the skills to review what company shows is correct they agree on this. this is useless credit bureau and its not all favor to customer. they are supporting only company. They have obsoletely XXXX knowledge or they purposely doing fraud. i request consumefinance.org to take strong action and penalty on them
Good afternoon, I need your assistance please, I 've tried in good faith to dispute and request a refund for the faulty workmanship, substandard shoes and not the shoe size I ordered and I 'm unable to wear. I purchased two pair of shoes from XXXX in XXXX 2016, the shoes appear to have been made in a substandard factory still reeking of a horrible smell and the appearance of grease ( pictures attached ). It took approximately one month later for me to receive my order, I began initiating correspondence to them approximately two weeks after processing my order. After receiving the shoes, I attempted to resolve the dispute prior to engaging my bank. XXXX offered to refund only {$15.00} and later {$30.00}, which both were unacceptable for a {$150.00} purchase. I later contacted XXXX and I could not reach a resolution. XXXX determined that I was eligible for a refund ; however, I would need to return the shoes to do so. The cost to return these shoes to XXXX was {$170.00} more that the amount I had paid for the initial purchase - which was not an economically wise and equitable decision. I contact and submitted all required documents requested for the credit union representative. I later learned from another Navy Federal representative that the time to process a refund had expired.
<P/>
After failed attempts to resolve the matter with XXXX, XXXX  and Navy Federal I found your information to file a claim. It 's so upsetting for a company - XXXX to attempt to defraud me. After submitting my payment and not receiving my shoes timely, I began researching the company and noticed a number of unsatisfactory customer complaints. It is my personal opinion that this customer is defrauding others as well. There are no derogatory complaints on their website but noted on many other sites.
<P/>
I am hard working mother of XXXX and do not have money to give to anyone. Please assist me with obtaining my money for this fraudulent issue.
<P/> XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX our family got stationed at XXXX, we moved into a apartment in search of a home prior to our household goods being delivered. We found a home and on XXXX XXXX asked our lender ( XXXX XXXX ) what documentation was needed for a pre-approval, We provided the documents and had completed everything with the realtor paperwork ( contract ended on XXXX XXXX XXXX ), inspections, {$2000.00} in XXXX and were ready to order the appraisal. On XXXX XXXX we gave the lender the green light to order the appraisal. On XXXX XXXX or XXXX the lender said the appraisal was ordered. We received several emails and phone calls from our realtor regarding the status of the appraisal and on XXXX XXXX reached out to our lender and asked about the appraisal because we havent heard anything yet. The sellers, the sellers realtor and our realtor requested some sort of documentation/proof that the appraisal had been ordered and XXXX XXXX refused to show anything reflecting the appraisal had been ordered stating it was " against their company 's policy ''. On XXXX XXXX our deadline/end of contract we still had no information on the appraisal. Our lender claimed it had been ordered and again refused to show anything proving the appraisal was ordered. We really wanted this home so our realtor reached out to the sellers requesting an extension on our lender XXXX XXXX word that he would close on the XXXX of XXXX. On XXXX XXXX My account was charged XXXX $ for an appraisal fee by movement mortgage. The home was placed back on the market and we received a cancellation from the seller on XXXX XXXX due to the inability of our lender XXXX XXXX to be honest and his failure to fulfill the duties the job required him to do. XXXX XXXX we asked lender why my card wasnt charged for when the first appraisal was supposedly ordered. XXXX XXXX response was When the seller is covering costs we initially charge all orders to our account & then it 's applied at closing on settlement statement as a " cost '' & then paid by seller. When this one was re-assigned to the new appraiser there was obviously a chance of it going south due to seller backing out so it was then charged to you at that time in case it did n't close so it would n't be our expense. On XXXX XXXX I called the VA and asked them if they have any information of the 1st appraisal being ordered, the only information the VA had was when the house was purchased previously in XXXX and then XXXX XXXX XXXX when my account was charged.
In XX/XX/2018 I mailed a dispute to Trans Union regarding XXXX account with a balance of {$320.00} that I never owned. I contacted XXXX, and they confirmed that there was no debt with my name within their records. I am requesting that Trans Union does their job accurately confirm this debt doesn't belong to me and that that bureau remove this debt from my credit report.
This is from ten years ago, and not my debt. I straighten this out with the original company and they sold it. It keeps being bought by these little credit company. They change the date and harrase me and mess up my credit rating. They threaten to sue and have me arrested and call me a lair.
I was on the phone with Bank of America customer service for over an hour today trying to change the name they had for me on the computer to the name they should have had that was listed on the loan application they accepted. I did business with BofA 10+ years ago and funny thing is they had updated my email and phone number to my current one listed on the loan app but they did not fix my name or address. The loan dept told me they would transfer me to the online dept and they should fix it easily since all of my loan paperwork was correct. I got transferred and told the lady what my issue was and she asked my name to which I replied my current name and she said I 'm sorry that is not what is on the acct I said I know that is why I am calling and she said well I need you to verify the correct name so again I gave her my correct name and she said that was n't right and transferred me back to the loan dept. The loan dept then tried to get it changed themselves, it did n't work, she transferred me back to the online dept who this time told me I would have to go into my local branch to verify my identity. I told them there was no local branch and they transferred me somewhere else this time and after explaining my situation all over again the lady said we can do it through mail but I do n't have the papers I will have to transfer you back to the loan dept. Again I held but this time it was for 30 minutes and I just gave up because I am at work after all ....
There is an assignment of deed of trust on file with the XXXX County Clerk 's office that was filed on XXXX XXXX, 2011. The assignment of deed of trust has the incorrect property city and property zip.
Drivetime is a scam . Car b roke d own for the 3rd ti me on  XXXX   XXXX ,  2017  currently in shop but they will not cover repair. They are at fault car was falsely evaluated.
The debt is a mortgage. This debt was discharged in Bankruptcy Chapter XXXX in XX/XX/2017. Since then I have been in contact with two employees in the Mortgage Retention Dept. of New American Funding. I have also had monthly conversations with the company 's customer service representatives regarding this debt. I requested a deed-in-lieu from New American Funding to no avail. A deed-in-lieu would surrender the property and save the mortgagor time and money. They were unable to provide same as XXXX XXXX would not consider this option unless I filled out paperwork that was stamped " Loan Modification Application. '' I refused to apply for a loan modification on a loan that was discharged. New American Funding has agreed in telephone conversations and written correspondence that this debt was discharged and has been very sensitive to the laws and rules surrounding attempts to collect a debt that has been discharged. Until today. 
Today I received a call from New American Funding asking that I call them back. No reason was given. I called and the employee asked me to arrange to pay the balance due. I told her ( XXXX aka XXXX ) that this debt was discharged by bankruptcy court and she said that was the reason that the calls would now resume. I her that she was violating the law and either knew it or should know it and she repeated herself. I asked to speak to her supervisor and she said she would put in a request for him ( XXXX aka XXXX ) to call me-within 48 hours. I couldn't find out if she couldn't connect me or wouldn't. I made it clear that she/NAF was violating the law ( as I understood it ) by attempting to collect this debt. It feel on deaf ears.
My finance company refuses to automatically debit my banking account despite being authorized to do so. Their " policy '' is that it was past due. It was past due because they failed to debit the account before it became past due.
In my previous complaint ( ID FOR COMPLAINT SENT TO TRANSUNION : XXXX ), TransUnion failed to prove the accuracy of its investigating and its reporting of the Chapter XXXX bankruptcy information on my credit report. 
TransUnion failed to fix the problem because it did not delete ALL of the bankruptcy information it is reporting on my credit report. 
1 ) Pursuant to FCRA, Section 611, a credit bureau must directly provide the date, and name of the person at the court with whom TransUnion verified the Chapter XXXX bankruptcy information reported on my credit report. 
2 ) In its response, to the 2017 complaint number XXXX, TransUnion stated, we do not provide dispute verification responses received from creditors or court records. 
3 ) TransUnion DID NOT satisfy the requirements of FCRA, Section 611.

4 ) Therefore, TransUnion DOES NOT HAVE the LEGAL RIGHT to REPORT A CHAPTER XXXX BANKRUPTCY on my credit report. 
5 ) Pursuant to FCRA 611, TransUnion MUST DELETE such information from my credit report if it can not satisfy the procedural requirements of FCRA 611.

6 ) In this complaint, TransUnion must provide detailed verification information to support the accuracy of the Chapter XXXX it is currently reporting on my credit report. 
7 ) OR ELSE, TransUnion MUST IMMEDIATELY DELETE any BANKRUPTCY INFORMATION that it is reporting on my credit report
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately The following inquiry needs to be removed immediately : Creditor Name : Factual Data Inquiry fromXX/XX/2018 + XXXX XXXX   XXXX XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX