WillisBack/dataset-financial-user-claim huggingface dataset:
I have been disputing with Credence Resource Management against this inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I have no knowledge of an account with them and sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/XXXX, it shows that Credence Resource Management collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/XXXX, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months.
I seen this company on my credit report XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
Diversified Recovery Bureau, LLC calls me 2-3 times ever yday and leaves me " threatening '' voicemails stating they have my Social Security number and other sensitive information on " their desk '' and that it is imperative that I call them back immediately to resolve this matter. They never state what " this '' matter is when I call back yet demand that I give them my Social Security number and mailing address for ID verification. On  X/XX/2017   ,  XXXX   XXXX  from  Diversified called  me and once again refused to tell me for what debt and/or creditor he was calling in regards to. He demanded that I give him my Social Security number in order to verify my ID. I told  XXXX   XXXX  he could send me a letter on his companies letterhead, stating what " this '' matter was in reference to. Once I received the letter and was satisfied that it was in fact a debt that I owed currently or at one time, I would gladly call back and speak to him.  XXXX   XXXX  promptly cut me off while I was telling him this and once again demanded my Social Security number. I again told him to send me a letter in the mail stating what this phone call was in reference to.  XXXX   XXXX  at this point was got angry and sai d " Fine, t hen I 'll just mark this down as " Refusal '' and we 'll take it from there. '' I immediately asked  XXXX   XXXX  if he was " Refusing '' to send me the letter I asked for in the mail, but he had already ended the call.
Item XXXX ) First, The reason I am filing a Complaint against this XXXX XXXX XXXX is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than XXXX %. The interest rates on this loan is very high and some are well above XXXX % to XXXX % regarding this loan. And, this should not be allowed by law. 
Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any XXXX time. And, I have been paying on a total of ( XXXX ) XXXX loans for well over 9 months in succession with much difficulty. 
Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over XXXX % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this dateXX/XX/XXXX. 
Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via XXXX Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time during months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.
I get 1 to 2 calls per week from Portfolio Recovery Associates L.L.C. They leave no message. I purchased a new home a few months ago and got a new phone number. My credit rating is above XXXX and I have no outstanding debts. They have called from multiple area codes, XXXX, XXXX, and XXXX. I have returned the calls and only provided them my telephone number and asked to be taken off the call list because I do not owe any debt. All they do is request personal information that I am unwilling to provide. I have asked them to stop calling to no avail.
We have an account with Navy Federal Credit Union. While navigating around online, we decided to check out applying for a loan to buy a new car. Our lease was up in XX/XX/XXXX so we needed to get something else. We did the online application and received an approval of a loan for {$25000.00} at 3.6 %. So we started to shop around. We made a phone call to confirm the loan approval. We were never told that the percentage rate would fluctuate so drastically. 
On XX/XX/XXXX we found a used XXXX XXXX. We made a conscious decision to buy within our budget well under the {$25000.00} so our monthly payment would be affordable to us ( around {$400.00} a month ). Shortly thereafter we received paperwork from Navy Fed increasing our percentage rate up 130 %!!! We realized that it may be raised a bit, but from 3.6 % to 8.1 %?? When we called and confirmed the loan approval we were never informed that this ( 3.6 % ) applied to new cars only. We feel blindsided and upon calling Navy Fed they were no help to us. We would have never bought a used car for this price. We are now paying a extra {$3000.00} in interest charges. Making the car a ripoff!! It already has XXXX miles on it. We probably would have leased a new car or did something very different with the financing if we knew this information before signing for this car loan. Our question is why wouldn't Navy Fed tell us to call them before signing on the dotted line??? If it was a 5 % difference we would not have bought that car. 

We would love to just give the car back because the good deal we work so hard at creating just isn't that great. Any help you can provide will give us peace of mind that we tried to work things out with Navy Fed ... a wonderful banking institution, but this is creating a bad business relationship due to this car loan.
My loan was being brought up to date by the XXXX XXXX XXXX XXXX, ( I think that 's their name ) it was then given to Fed Loan servicing, this company never contacted me to inform me that they were now the company I needed to pay my debt to, they also reported to my credit report that I was late making the payments ( that 's how I found out about them ) I tried to rectify the issue and begin paying the loan, but they wanted me to agree on terms that I was not comfortable with, which included not informing the credit reporting agency that they made an mistake. I also have emails, where they state that they could not contact me, because they did n't have my contact information, they never notified me of the debt and have now ruined my credit!
I had a contract with  XXXX  that initiated on  XX/XX/XXXX . After having  XXXX  services performed, I noticed my lawn deteriorating. I reached out to  XXXX  and expressed my concerns. They blamed it on our lack of rain, although I had been watering the lawn myself and incurring the additional expense on my water bill. On  XX/XX/XXXX  I called and spoke with  XXXX  at  XXXX . I informed her that I wished to discontinue my agreement with  XXXX  because my lawn looked much worse than when I started. She assured me that my account had been noted and that no additional charges would be made. The area manager,  XXXX   (   XXXX  )  XXXX  called me on  XXXX  and said that he was sorry for the poor service that I had received and that he was going to come and evaluate my yard to see if there was anything they could do to win back my business. He said that he would remove the unauthorized charges from my account. As of today  (   XX/XX/XXXX   ),   I have never seen or heard from them again. I am now receiving collection notices from Transworld Systems for the {$230.00} amount. I have written to them explaining all of this, however they continue to attempt collection. I do not want this to tarnish my credit. PLEASE HELP
XXXX XXXX in XXXX collecting a debt that 's not owed in XXXX as stated by XXXX Insurance Agent XXXX XXXX in XXXX XXXX Auto policy on XX/XX/XXXX XXXX XXXX Policy # XXXX effective XX/XX/XXXX. 

XXXX auto policy # XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Policy effective XX/XX/XXXX in which l was still in living in XXXX. 
I moved to XXXX XXXX from XXXX on XX/XX/XXXX and l stayed at XXXX XXXX hotel in XXXX, XXXX until l purchased my new home at XXXX XXXX XXXX XXXX XXXX XXXX. I closed escrow on XXXX XXXX. 
XXXX XXXX insurance debt was carried over to XXXX XXXX XXXX. In which by law you can do that. 
XXXX XXXX in XXXX and XXXX XXXX XXXX are in Federal Violations. 
XXXX XXXX in XXXX are collecting debt through my mortgage company escrow XXXX XXXX XXXX XXXX in XXXX, XXXX since XXXX XXXX they also collecting through a collection company in XXXX XXXX . 
I am been Discriminated and Retaliated because of my XXXX XXXX XXXX and Military Veteran status and on XXXX XXXX Lifetime and l am Retired. 
l am taking prescribed medications for XXXX, XXXX, XXXX, XXXX, XXXX.
XXXX XXXX XXXX FAILED TO RE-INSERT ACCOUNT NOXXXX AND XXXX BACK INTO XXXX CREDIT FILES AND VIOLATED THE TERMS AND CONDITIONS OF XXXX.
2010 I modified a mortgage loan. Caught up XXXX payments w/ American General. They lowered my interest rate XXXX. After I got divorced, XXXX again I wanted to modify my loan thinking I could get a lower interest rate catching up XXXX payments. I got my signature notarized at my local bank and sent XXXX now Springleaf ) papers. Thinking they XXXX again lowered my interest rate cause my payments were lower. They had taken away seven years of payments and put it back to 20 years. I told them it was n't right and I did n't realize they took away 7 years of payments at XXXX a month and I 'd sue them. The next month Springleaf sold my Mortgage to XXXX.
inquiries were removed from my credit Inquires I recently checked my credit report and see that inquries have been reinsert ed and I was not given a 5 day notice.
I called in to Capital One on XXXX/XXXX/2015 requesting to have a lower interest rate. They advised me that a lower rate was not available so I was going to cancel my card. They transferred me to a Supervisor who advised me that I had some upgrade options available. She presented me XXXX offers. They did tell me that I was eligible for a upgrade, they told me I could switch to the Visa Quick Silver Rewards or the Master Card Capital One Venture Card. I asked what the differences were and they advised me. They told me that they would remove the annual fee and advised that the Quick Silver Rewards would be a Visa card and I went online and looked online and saw it there and was like ok I will switch to the card with the hopes that some day by switching I could get a lower rate as it looked like online the rates for the Visa version were or could be lower so I made a decision based on that rather than the venture card. So I selected the Visa option. I was specifically advised that it would be a Visa Rewards cards and I would receive a new card in the mail and my old card would stay active until the new one arrived. I called spoke with Supervisor who explained it would not be the Visa because the minimum credit line for the Visa card was XXXX and the account number would not change and once again no lower interest rates available for the card I had. I explained I was told card would be switch to the Visa version, I adv that this is not correct I advised that my decision to accept upgrade was based on it switching to Visa and to which I was told too late now and there was nothing that could be done and it could n't be reversed. ( Bait and Switch ) Spoke with XXXX or XXXX XXXX in the Executive Customer Relations Office and he was of no help and told me there was nothing that they could do even though they did confirm that the call had been reviewed and XXXX was confirmed that is what I had been offered. He offered me a XXXX adjustment to my account and another XXXX rewards credit which I did not accept as a final resolution to this issue and advised such. They are not willing to honor what they have already confirmed was offered and that I agreed to. They are pulling a " Bait and Switch ''. They know they messed up and are not willing to fix it!!
Loan # XXXXI purchased property approx on 2007 with a pick pay payment finance by XXXX as my primary lender then ; loan was sold to Wellsfargo. Since then I have been trying to requested Wellsfargo to help me modified my loan due payment increment constantly. I hired an attorney to help me with modification process and it still pending ; nothing happened yet. i had been trying for the last XXXX times and lender refused to help. Also was forced to filed ChapterXXXX Bankruptcy to save my home and nothing happened. Lender refused to help me or place me on a better affordable payments and instead my monthly payment increment more and more. It makes very difficult for me to keep my property. I have been cooperating with lender since then but lender is putting me on the spot to loose my property.. I need your help since I do not know what else to do anymore ; I feel that this is a case of a predator lender overcharging me more that even property is worth or I can afford. I have been trying very hard to make payment but Wellsfargo is refusing to help me. If is anything you can do to help me i will appreciate much! I need to keep my house or a lease requested the lender to place me on a affordable modification program.. i am afraid of losing my property that I have been working so hard to keep it. Please help me.
On XX/XX/2018, I received my second notice from XXXX XXXX that my Credit Score has dropped 30 points at a second Credit Bureau in the past week and I'm not sure as to why, the account in question has never nor is it currently behind. The Creditor says that they submitted the amount that is currently due this month and before I could pay it on XX/XX/2018, XXXX and XXXX   has dropped my credit Score by 30-60 points and I would like to know why? A Rep a XXXX said that it is because I exceeded 30 % of my total approved limit for that particular card and that Creditors do not want you to exceed that  amount because they feel you are in debt and you can't pay it back. I understand that, but, shouldn't I at least get a chance to pay it before I get a penalty? We had a situation with my car this month and I put the one time  charge on my card not knowing that I would suffer a penalty, isn't that part of what you get these cards are for? I wouldn't normally complain but this policy doesn't make sense, the bureaus say that this limit is designed to stop you from defaults but, if I have a low limit card ( say about {$3000.00} ) and it goes over a {$1000.00} I get a penalty. They say that you are High Risk of not paying it back but, if I have a card that is limited to say {$11000.00}, I can charge $ 3200+ and I'm fine and I'm doing a great job ( credit Wise ), even though I'm at a greater financial risk, Why? The government needs to have the bureaus explain this to consumers before you get this penalty. The Bureaus need to explain who and how these limits are determined. The bureaus are setting the limit on what you can use in any given month, SHOUD N'T THEY BE THE ONES APPROVING THESE CREDIT CARDS ALSO? What is the point of a creditor giving you a limit, if the bureaus aren't going to let you use it? The Bureaus have the power to destroy a persons life in seconds, but, once they give you a mark, it takes month to years to try and straighten it out, Why? The bureaus say that my credit standing is excellent, but I have a risk and usage level of only 30 %, Why? This is submitted as a General Use Statement and if you request further documentation, I can provide it.
Midland Funding is currently reporting XXXX collection accounts to all XXXX credit reporting agencies. This is not my account. The accounts ( XXXX, and XXXX ) that were sold to Midland Funding are not my accounts. 

The XXXX and XXXX accounts were reported fraudulent/stolen and I was told they were closed when I originally discovered them. For some reason they were reopened and sold to Midland. I was never made aware of it. 
Midland has never sent me a letter advising me of the debt ( which would be disputed because they are n't mine ), nor have they called.
I have been in a dispute process since XX/XX/2017. The law has not been followed, instead broken, by the credit bureaus while the paying creditors have unlawfully submitted entries on my credit profile without my consent. The law clearly states that my original signature on an original creditors agreement is the only proof that can be provided showing my permission to access and report payment activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

The disputed XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX   account number XXXX and XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX have not provided the documentation that is required by law showing my original signature. XXXX, XXXX, and Transunion are not in compliance with the above referenced laws therefore I demand full removal of these accounts as well.
The Wells Fargo website ( https : //www.wellsfargo.com/mortgage/tools/faqs ) indicates that in order to lock an interest rate on a mortgage application the following is needed : " You can lock anytime you locate a property, or start your refinancing process, up until ten business days before the closing. 
You can select a specific length of time for your lock, usually 60 days. '' I emailed my processor on XXXX/XXXX/2016 ( Thursday ) and expressed interest in locking my rate since I already located the property I wanted to purchase. ( My processor had told both my husband and I that he can be reached by phone or email. ) I got a response from him on XXXX/XXXX/2016 ( Monday ) that I would need to provide the purchase agreement and sign the Intent to Proceed notice in order to be able to lock my rate. The reason I feel this is not fair is because had I known that those two pieces of information were required from me I would 've had that sent over on Thursday ( XXXX/XXXX/2016 ). I think it 's wrong to have two different conflicting pieces of information communicated to me as a customer. If Wells Fargo truly requires the purchase agreement and the Intent to Proceed disclosure in order to lock a rate then that needs to be explicit on the Wells Fargo FAQ page instead of the " anytime you locate a property '' response that is currently on there. This is deceptive to have this type of language out there. The website response is costing me thousands of dollars on my loan because I was at a 3.5 % when I emailed my processor and by the time I got a response the rates had spiked to 4.1 %. I feel that due to Wells Fargo 's negligence I am owed the 3.5 % interest rate on my mortgage loan since the information I had read on the website was not accurate. Also, if this happened to me, it can happen to many other customers so I think they should fix this or have the process updated to truly be when a property is located.
On XXXX XXXX of XXXX, I filed chapter XXXX Bankruptcy. In the XXXX XXXX ... I notified all my creditors, including SECURITY FINANACE ... .located in XXXX , GA. But for some reason they continue to call me and harass me, not only on my account. But XXXX others accounts of individuals .... who I had referred to this institution .... Things had gotten so bad that I had to file a complaint against the branch manager of this location .... ON Tuesday XXXX XXXX, XXXX, cause she ( Branch Mgr ) had called me on Monday the XXXX of XXXX .... Demanding that I come into her office and make a payment on someone else 's account ... .. I only know her by the name of XXXX, but her illegally debt collecting practicing have reach its limitation with me .... The individual, few months ago, gave me copy of another individual credit report that she had ran ... ..
In the wake of Equifax 's gigantic data security breach, I tried to order my free annual report from Equifax through XXXX. After I completed the order process, Equifax displayed a page stating that my report could not be delivered online. But XXXX shows that I received my Equifax report, even though I did not. Equifax 's performance adds insult to injury, because now I have no way to examine my report until next year, unless I pay this seriously compromised company.
XXXX has continued to falsely report that I owe them membership dues when in fact the membership was cancelled. On multiple occasions I called XXXX to inform them that I should not be charged any dues per my cancellation. XXXX has failed to identify a confirmed cancelled member and has continued to try and collect false debt from me. This is consumer fraud and XXXX should be reported to the XXXX for their illegal business practices.
From my XXXX XXXX profile I saw that I had an outstanding debt for a company by the name of Caine & Weiner in the amount of {$350.00}. I sent them a request for debt validation letter on XX/XX/2018, it was delivered via XXXX on XX/XX/2018. Caine & Weiner failed to respond to my request for information within 30 days therefore I assumed the  debt was not valid. I sent them a request to have the item removed from my credit on XX/XX/2018. Caine & Weiner instead sent me a bill with none of the information previously requested in my debt validation letter and they have not sent me anything stating that they will be removing this item from my credit. The debt collector did not comply with FDCPA 15 USC 1692g Sec. 809 ( b ).