WillisBack/dataset-financial-user-claim huggingface dataset:
Hi and How are you? I was looking through my credit report this evening and noticed that there were new collection reported on my profile. I randomly called the company and talked to XXXX at XXXX XXXX XXXX. And he said that it's a medical bill that came from Penerick Capital Partners which came from XXXX XXXX XXXX. I'm completely confused because I never received any notices from any one of these companies and therefore, I need this removed due to FCRA and FDCPA violations. 

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Since XX/XX/2018, I have been called incessantly and at all hours by various representatives of Alliance One Receivables Management. I do NOT owe them nor anyone they claim to represent ANY balance whatsoever!
There is a unknown account listed on my credit file which I have disputed and received nothing no validation etc. Please help I do know what else I can do
Original mortgage through XXXX XXXX Mortgage XXXX. 
Received a NOTICE OF SERVICING TRANSFER on XXXX informing me that the right to collect mortgage payments was being transferred to Lakeview Loan Servicing, LLC XXXX XXXX, XXXX effective XXXX XXXX, 2015. 
I called and spoke with XXXX XXXX Mortgage during the last week of XXXX to verify that they would not be automatically taking the mortgage payment out ( since I had automatic payment with them ) for the XXXX payment and instead to issue payment to Lakeview Loan Servicing. 
To date, I have not received any written or typed communication from Lakeview. The first communication I did receive was a single phone call at night on Tuesday, XXXX XXXX, 2015 at XXXX, and that was just an automated message telling me to call back the same XXXX number the automated message was calling me from, but during business hours. 
I have called back that XXXX number twice now, XXXX times traversing their automated-menu to try to reach a customer service agent, and XXXX times the system hanging up on me before connecting me to a customer service agent. The automated message also gave me a website to use ( XXXX ), however I am unable to use this website unless I have a Loan Number, which I have not been provided. ( I only have the original Plaza Home Mortgage Loan Number, which is not valid within Lakeview 's system ) On the original NOTICE OF SERVICING TRANSFER received from XXXX XXXX Mortgage, there was an address and different XXXX provided. I have called this number twice as well attempting to contact someone, and both times, get hung up on by the automated system before actually connecting with a person. 
On XXXX XXXX it 's listed that " your new servicer must deliver a transfer notice not more than 15 days after the effective transfer date. '' - This has not happened yet. I have had ZERO communication with Lakeview besides automated systems. 
I understand that on http : XXXX it lists that there is a 60 day grace that they can not charge me for a late fee or treat the payment as late, however I do not trust this new company at all given their astonishingly poor handling of the transfer so far.
Suntrust allowed a debt collector to garnish my wages, even though my wages are from XXXX ( social security ). I informed the creditor, XXXX, that I was very ill and on XXXX. I lost my job because of my health, yet had been consistently paying the creditor, XXXX before I lost my job. I called XXXX XXXX XXXX ( creditor ) informing that I lost my job and was applying for XXXX. They refused to work with me. Suntrust never sent me a letter warning me of garnishment or to confirm my source of income ( which is an ETF deposit monthly from Social Security ). Suntrust allowed both my savings and checking to be put on hold and charge enormous fees for " holding '', overdraft, and a garnishment fee. They also admitted the creditor, XXXX could see my account and explain what charges were pending. How is this possible? The bank was negligent for not confirming that my income was from XXXX or prevent the collection agency from garnishing my account or if the garnishment was legal, ensuring that the limitations on amounts by law were legal ( they charged both my savings and checking accounts the garnishmen ( so XXXX charges for XXXX garnmishment ) than placed the accounts on hold ). I never received XXXX notice giving me the opportunity to show my income was from XXXX.
First point - this complaint has nothing to do with the content of my credit report from Experian. I filed a complaint previously and the response with a canned response about disputing the content of my credit report. Let me emphasize again ... .this has nothing to do with the content of my credit report or disputing the content of my credit report. 
Complaint : Experian lowered my FICO credit score because I requested a Security Alert and a Security freeze from Experian and from XXXX after the XXXX data breech.  There were no changes in my credit report or credit history. My FICO score should not be lowered because I requested a Security Alert and a Security Freeze.
I was told by XXXX university that my degree was accredited and would be accepted anywhere, I have been turned down by multiple jobs due to not accepting degree from XXXX. I graduated in XXXX 2009, have attempted to find jobs to fit my degree with no luck. 
I am now stuck paying back the loans, with amounts I can not possibly afford monthly, and never being able to use my degree.
This item was disputed with TransUnion. I received a letter from them on XXXX/XXXX/2016, stating that the investigation was complete and that this collection was no longer on my file. I had applied for a loan on XXXX/XXXX/2016 and received a very high interest rate on my new loan. I asked my lender why the rate was so high and they stated that there was an open collection on my TransUnion account that was affecting my new interest rate. So I obtained my report on XXXX/XXXX/2016 and it still shows the collection that they stated ( on XXXX/XXXX/2016 ) was no longer on my file. I want this removed!!!
I took out a XXXX loan and I called Big Picture Loans and asked if this was a " payday '' loan, they stated no, They stated the Finance charge would be XXXX. I agreed to that thinking XXXX Time or over the first XXXX payments, I was not told it was going to be XXXX x XXXX payments for a total of XXXX. 
Nor was I told or had access to the truth in lending document until after I agreed and the document was uploaded to my acct. the annual percentage rate is XXXX the Finance charges will cost me {$2600.00} for a loan for XXXX the grand total would be XXXX
I received a letter in mail from an attorney saying I am being sued by Wells Fargo, it is dated and states a judgement was made for a time I did not have a Wells Fargo account.I had only recently heard of Wells Fargo and opened an account for my husband and I and for my XXXX, .I had no other Wells Fargo account before XX/XX/XXXX.I have proof of everything and the exact dates, it is quite lengthy.I was in an accident in XXXX and could not XXXX for years, I recently started XXXX  in XXXX of XXXX. It was shortly after from when I had opened a Wells Fargo acct.The lawsuit says judegemet was made against me years ago in XX/XX/XXXX. I have no idea what this is about, they said they would garnish all my wages and property and belongings, my family and I have been homeless due to the devastation from the identity theft and me being unable to work did receive any benefits.I was a victim of identity theft more than once and reported it to FTC, I was even a victim of identity theft in my whole background, a lawyer contacted me about the XXXX case that wrongfully accused me as well.Please help me I am finally recovering physically and awakened to these debts I did not make
XXXX XXXX XXXX is charged me for a television service that they falsely advertised and did not hold up their end of the bargain. I was signed up for all three services with them telephone, television, and internet. With this bundle package they were suppose to issue me a gift card for the first month of service and signing up with them for {$150.00}. I co reacted them on numerous occasions about the gift card to cover my first month of services and they never issued or acknowledged my complaints or concerns. I canceled the contract and they charged me and attached it to my credit report. I didnt have the service all of 2 months. I also paid the amount they were requesting to have the mark removed from my credit report and its still there almost 5 years later. My contract was canceled because I felt they lied to me and mislead me to order their services and didnt follow through with their obligations.
I utilized bill pay to pay my mortgage - check was scheduled to be sent on XX/XX/XXXX. On XX/XX/XXXX, I viewed my account and discovered that 2 checks were sent. I immediately called the bank to rectify the error and was told that there were 2 Bill Pay Accounts setup ( 1 Did not have the account number ) - which, I did not create. I was told that the 2nd check was returned and I would be refunded the return fee. On XX/XX/XXXX, I saw that the check was reprocessed and requested a stop payment however, on XX/XX/XXXX, my account was in the negative because the check was cashed. I then spoke with a bank supervisor ( who refused to give me any identifying information ) - who told me the check was cashed and there was nothing that he could do about it because " the computer made the decision. " I went into the local branch to speak to someone in person however, I was directed to " call the call center, we no longer deal with these issues at the bank. '' I submitted a complaint with CT DEPARTMENT OF BANKING On XX/XX/XXXX and was told that my complaint would be transferred to CFPB. I also submitted a complaint at Citizens online in XX/XX/XXXX- only to hear that this was my fault. Right now my account continues to incur fees because, the bank has refused to return my money.
XXXX  INFO SERVICES STATES THAT HARD INQUIRIES ARE A MATTER OF FACTUAL DATA, BUT DOES NOT VERIFY BY INVESTIGATION PER MY WRITTEN OR ELECTRONIC REQUEST
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX  XXXX XXXX
Despite the statute of limitations having expired in XXXX 2014, XXXX continues to publish derogatory reports to the Credit Reporting Agencies. Their collection agency, Jefferson Capital, has been told that their claim is time-barred, and they can no longer collect, but they continue to publish negative reports in an attempt to defame my credit.
I received a US Bank gift card as a wedding gift The card has expiry date of XX/XX/XXXX, and prior to expiration i checked the balance only to find that US Bank charges a {$2.00} fee per month after 12 months of card issue, so nearly 80 % of card value was gone well before the card expiry date No charges were incurred on card, no transactional work incurred by US Bank, and yet they are allowed to charge {$30.00} a year on every gift card that is not in active use?? That is absurd and higher than the interest rate carry warranted given that they also have charged the prepaid card buyer already for the card. 

CFPB should fight for consumers and remove pre-paid gift card monthly inactive fees - this is predatory by industry
Suntrust Bank did not notify me when a garnishment was placed onto my account by XXXX. I posted a deposit that was exempt from collections and they end up charging me a fee because of their failure to promptly notify me when the garnishment took place. I went to court and proved to the garnishment judge ( paperwork in all ) what had happen. Suntrust bank know that the garnishment will be removed off XX/XX/2015 according to the courts and they closed the account ending in XXXX before the XX/XX/2015 date. I just received a letter in the mail from Suntrust Bank ( which they have the wrong address on my letter ( I never lived at XXXX XXXX XXXX ) ). They have sent this wrongful debt fee to collection and damaged my credit score. My account with Suntrust was in good standing and it 's Suntrust fault they have not sent a notification when the garnishment was applied by the courts from XXXX. I do n't have a printer at the moment, but when I get one I will scan all my documents to prove Suntrust is in the wrong.
On XXXX XX/XX/XXXX I sent a certified letter to Transunion regarding incorrect personal information and unauthorized hard inquiries showing on my file. I have written and spoken to creditors, on the phone, only to be told that I needed to dispute with the credit bureaus. XXXX and XXXX ( XXXX ) even were not able to find an inquiry with my SNN in their system and told me to resolve directly with Transunion. 
On XX/XX/XXXX I received my annual credit report from Transunion with a general letter explaining what was the inquiry. No results of the investigation were provided. 
I was in contact with Transunion XX/XX/XXXX and XX/XX/XXXX ( if I am not wrong ), in an attempt to dispute hard inquiries currently showing on my credit file. 
I spoke to Customer Service Representative and Supervisors. They stated that I could not dispute inquiries, because they were factual. I needed to contact the company instead of disputing with Transunion. I explained them that some creditors were unable to even find those inquiries in their system and told me to call back to Transunion. The supervisor said that they would not investigate and I had to contact creditors if creditors would not investigate I had to leave it as it was. I asked her to provide everything she said in writing and she refused. I then informed her that I was told by the CFPB that I had a right to dispute inquiries directly with the Credit Bureaus, as well as, obtain documentation used in the investigation. Nothing happened. 
In the meantime, the discrepancies go unresolved, because the creditors and credit bureaus are not on the same page. I currently have the following inquiries to be disputed : XXXX Date- XXXX XXXX Date XX/XX/XXXX XXXX Date- XX/XX/XXXX XXXX Date- XX/XX/XXXX and XX/XX/XXXX XXXX Date- XX/XX/XXXX and XX/XX/XXXX I could not dispute the inquiries, because both the customer service representative and supervisor refused to initiate the investigation. I want all fraudulent and unauthorized information to be deleted from my credit report. 

I also sent them a letter that I have received fro XXXX directly ( not XXXX ) telling that these inquiries were not authorized but should be removed but Transunion did n't remove them.
i called about my mortgage settlement today and was told there was no settlement information available and to check on-line for news updates. After reviewing 22 pages of CFPB press releases/ reports, I found no information about the Flagstar settlement. 

I received a check in XX/XX/ 2017 as part of a settlement. I received a check previously as part of a settlement with Flagstar. I have received any further correspondence as a final or conclusion of the settlement. 

I have received about XXXX, so far. 

The phone number for the Payment Administrator is no longer in service. 

The assistant at CFPB was not helpful. 

Can I have an address, phone number or email address to get information of this matter?
On XX/XX/XXXX I initiated a balance transfer of XXXX to XXXX.with my American Express credit card. Since the payment didn't appear on my mortgage statement, I contacted American Express. American Express paid XXXX XXXX the XXXX.

American Express said they would investigate ( 3-6 weeks ). I demanded that the balance transfer be cancelled and my account cancelled. 

American Express refused to send me documentation of my demand and refused to cancel my account.
I was living with a friend and he went through my personal belongings and I found pictures of my ID, social security card, and my credit report on his computer. I checked my credit report and their was a credit card maxed out. my bank accounts have suddenly been closed due to fraud investigations. the banks tell me it is my fault for leaving my purse out in my own home where I thought it 'd be safe, but apparently it was giving him permission to go through my belongings. my signature has been forged on checks from his account deposited into my accounts and he is saying I did that. I ca n't open a bank account anywhere. I ca n't even get a job.
Keller XXXX Mortgage is advertising to consumers that they can guarantee lower rates, costs, and savings on their mortgages without any apr disclosure, or how they are doing it. This is simply not allowable. Please have them stop as they are deceiving consumers and not following the rules we as lenders all have to follow.
I made 3 payments of {$420.00} each on the due dates for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The website showed most of the payments each month went toward principal, however I called XXXX today because the dashboard was confusing - indicating my payment of {$100.00} was not due until XX/XX/XXXX ( skipping XX/XX/XXXX payment ). According to the Rep and Manager, their computer did not show any pay-down on principal. Rather, it showed only paid-ahead status and told me that I should've called to ask them to apply the over-payments in a specific way. In no way or form was it ever communicated to me that I needed to do this extra step ( and each month going forward! ). Also, it is extremely misleading to show a pay-down on principal only to be inaccurate when I called. A normal and reasonable consumer would think the website is accurate and continue making payments, which is what I did until today ( via AutoPay ). 

For example, my {$420.00} payment for XX/XX/XXXX showed {$300.00} to principal and {$110.00} to interest. The XX/XX/XXXX payment had {$310.00} to principal and {$100.00} to interest. The XX/XX/XXXX payment had {$310.00} to principal and {$100.00} to interest. 

The manager attempted to fudge the simple interest loan information and claim that I did not know what I was talking about and it did not matter whether I paid in XX/XX/XXXXor all now, the benefit would be the same. This is clearly not the case because if the remaining principal was lower in XX/XX/XXXX, I would've owed less interest for the XX/XX/XXXX payment, and so forth.
I went to ace loan to get a loan for a unexpected financial crisis and all was provided and qualified except for a copy of check they wanted from me which I asked my bank doesn't issue paper checks but will generate one and email it but wasnt an option so on the document I signed to file there was to options to verify and it was check or debit card verifications option which was stated on the form I signed and they refused to provide verification that way even though that was my option stated in black and white and then was told well that isn't an option in California I responded well it was false advertising misleading there should be verbage indicating that California is not incuded and even showed the employee there was no such description which should be illegal! And they denied my loan when clearly met all required income and docs except check and my alternative options that I was lead to believe i had I didn't have all of a sudden I felt profiled and it eas quite an embarrassing event she put me threw
I have asked the collection agency to provide me with documents the will confirm the debt. I lady kept cutting me off and was argumentative so I ask them to never call again until the can establish if I owe them. They continue calling 2 to 3 times a day. On Friday, XX/XX/2018, starting at XXXX pm they called me a total of 13 time back to back
I opened my account with Bank of America in 2008. At that point in time, I opened a checking, savings and credit card account. Since 2008, I have been a loyal BofA customer. I 've moved several times and always kept all of my accounts. In fact, I have often heard folks complain about BofA and defended them. Until today. On XXXX XXXX, I set a travel notice with BofA for all of my accounts, including my credit card. Since I opened my account nearly 10 years ago, I called to be sure that I would not incur any fees if I used my credit or debit card while traveling in XXXX for 4 days. I was assured that I was all set, I could use my card as normal and would not incur any fees. Great! 

Then I get home. I go online to my online banking to compare my receipts with my charges since there is an exchange rate in XXXX. To my surprise, every single transaction had a fee attached to it. Some as high as {$3.00} AND the hotel has not even credited yet so I am already anticipating one up to {$20.00}. So I think, well this must be a mistake I 'll give them a call. 

The woman I spoke to was absolutely deplorable. If I had a dollar for every time she told me " the fees are valid '' I would not have to worry about fees. I explained to her that I had called, that I was a loyal customer and I was simply wondering why I was told incorrect information and hoping that BankofAmerica would do right by me. She proceeded to tell me that I should have read the information given to me in 2008 when I opened my account and there was nothing she could do. This was, of course, after waiting on hold for nearly an hour and waiting then for her to " look up my account '' for 15+ minutes. I think it is disgusting that an institution would take advantage of their customers so much. She had the nerve to tell me " Oh yes I see fees, they are small but they are there. '' Minimizing my issue wo n't get you anywhere.
After having a checking and joint checking account with Wells Fargo for more than 23 years I received a letter from Wells Fargo in XXXX of this year advising me that after reviewing the account relationship they had decided to close my accounts. No reason was given and no one could give me any reason for this arbitrary decision. I am in my mid sixties and have not had any bounced checks or anything negative. I also have a very good credit report. This unilateral and arbitrary decision has harmed me and turned my life upside down. I 've had to stop automatic payments, deposits, etc etc. I think it 's disgraceful that a huge financial institution which engaged in fraudulent activities should be allowed to unilaterally close muy account. As a senior citizen I expected to be protected from harmful banking acts. Your help will be appreciated