WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern : I am trying to resolve an issue with XXXX XXXX, XXXX ( also known as XXXX XXXX ). I am not aware of this matter that indicates XXXX XXXX became the servicer of this alleged account on behalf of purchaser, XXXX XXXX, XXXX. I sent a dispute in XX/XX/XXXX and in XX/XX/XXXX ; however, I did not receive a mailed copy of the verification information provided by the seller in XX/XX/XXXX or XX/XX/XXXX as stated. I comprehend the concept that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act ( FDCPA ). However, after reviewing the consent decrees that XXXX XXXX has received concerning their business practices from the CPFB and other reprimands from various judges, I am not aware if this alleged account in question remains collectible, due and owing to XXXX XXXX as servicer for XXXX XXXX. Furthermore, this alleged account in question is " Time-Barred '' if the information they are providing is accurate as stated. 

Any unscrupulous debt collector could possibly claim ownership of one 's alleged account and send statements generated by new technology as verification ( see attachment ). I find it reprehensible that a company could report negative information to someone's credit reports without proper ownership. Debt collectors must prove they have the right to collect a debt and establish an unbroken, valid chain of assignment back to the original creditor. I have seen no proof for a bill of sale, an assignment, or a receipt between the last creditor and debt collector ( s ) holding this alleged debt. I am entitled to know the chain of assignment for this alleged debt that specifies who/what was transferred and to whom/to where it was transferred if this information is reported in my credit files. In addition, I should have received correspondence from the original creditor if this alleged account was sold to another entity because it was allegedly charged off the original creditors books. 

I expressed a concern regarding how the alleged account is appearing on my credit reports, not report. Each one has different information reported monthly that causes harm continuously. I have contacted the credit agencies concerning XXXX XXXX 's credit reporting. I was advised that the 3 credit bureaus input information into their systems according to the creditor or debt buyer 's electronically sent information. 

XXXX XXXX did not respond to the various postings of this alleged account and its monthly changes and listings as other on some reports and collections on another report to the credit bureaus. In addition, Past Due, " Recent Balance, '' FP ( Failed to Pay ) or C ( Collections ), and Terms listed as 1 month are not permitted by debt buyers. This information continues to exist on all 3 credit reports. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). XXXX XXXX is not my creditor, and I have never signed an agreement with them or considered an alleged amount is accurate.
Fay Servicing Company is a sham. My account was sold to them back in XX/XX/XXXX I  believe, of XX/XX/XXXX. I turned XXXX on XX/XX/XXXX and received a letter from the tax office about my homestead exemption. I immediately sent proof to XXXX as requested. XXXX told me that my account would go down {$200.00} or more. I was glad as I am a single parent with a young child. My account was sold soon after, and Fay Servicing account manager gave me the figure of {$240.00} decrease. Therefore, I sent in the balance each month with the account manager saying they had to wait on the tax rolls. When the got the tax rolls, they continued to charge the full price, all the while sending me letters of foreclosure and several people came by my house placing embarrassing letters attached to my door. Certified letters were also sent, offering short sale. I the account manager over and over that I had no intention of letting Fay Servicing take my home. I had asked for help when they bought my account because I was one month behind. We decided on a modification all the while they threatened me foreclosure although I was sending the correct amount each month, I thought. In XX/XX/XXXX I was told the modification was denied because it had been too soon to receive another one. All the efforts that I had to put in and all the time I waited was a joke. So, in XX/XX/XXXX, I sent in {$1500.00}, but still got a demand letter and another person brought me a letter. I tried to pay more on the account, but they won't accept it and the account manager will not call me back. Also, they have an escrow overage that they kept telling me that was going to be sent, but I never received ( {$390.00} ). Other employees told me that my account manager had released the demand letter. I am also taking XXXX which I told the account manager and had to stop working.
The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed. Please and thank you! I hope you have a great day!
I have been a customer of Specialized Loan Servicing LLC ( SLS ) for the past ten years. My mortgage payment is due on the XXXX of each month. I typically pay it on the XXXX ; however, occasionally I must wait until the XXXX. The payment is not considered late until the XXXX, so this should not cause a problem. Unfortunately, each time I wait until the XXXX to pay, the company reports my payment as late. They have explained to me that their computer does not have the ability to recognize payments that come in on the day they are due. This is unbelievable and, if true, should be illegal.
Credit agencies XXXX, Transunion allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine its now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.
I was constantly getting harassed on my cell phone and at my former job by this company. Not only would they continue to call after being told to stop, they would call from a different number. They have called me from at least XXXX different numbers and over 100 calls. I paid this just to stop the harassment not even knowing if the debt was mine or not. When I actually looked into my credit and asked for debt validation, all I get is my name and an amount owed, which I have no idea about.
On XXXX XXXX, 2015 I received a letter addressed to me stating that my Navy Federal Credit Union ( NFCU ) account was restricted due to transaction activity conducted on my personal account and that the activity conducted does not fall in line with NFCU 's underlying acceptance of risk. The letter instructed me to proceed to the nearest branch to withdraw all funds and close the accounts. 
I in turn went to a local NFCU branch in XXXX, VA on Thursday, XXXX XXXX to withdrawl all funds and close my accounts. However, upon arriving and speaking with a representative, I was told that my account was locked and even she could not withdraw the funds due to my account being under investigation. The branch had me speak to a security specialist, whom directed me to call her back the following Friday, XXXX XXXX to check the status of my account. 
I in turn called the security specialist on Friday, XXXX XXXX. She told me that there was a letter in the mail to me and to await the receipt of the letter. 
On Monday, XXXX XXXX, I received a XXXX letter from NFCU dated XXXX XXXX, 2015. This letter stated that after NFCU reviewed their records, it has been determined that the activity conducted on my personal account does not fall within their underlying acceptance of risk and for that reason, my personal account will remain restricted from use indefinitely and that I am to visit my nearest branch to withdraw all funds and close the accounts. 
On Monday, XXXX XXXX, I again visited a local branch in XXXX, XXXX After waiting for over an hour with my wife and newborn child, I was again told by the branch representative that the account was still locked and she was unable to withdraw the funds and close my account until the account was unlocked. She in turn called the security specialist whom was unaware of the signed letter sent to me dated XXXX XXXX, instructing me to visit the branch and withdraw my funds and close out my account. The security specialist then told the branch representative to fax her a copy of XXXX the letters I received, in addition to a letter written by me requesting to withdraw all funds and to close my account. The latter was not a requirement of either letters I received, but I sat there and did as I was requested and hand wrote the letter, signing and dating it. 
All in all, I have no issue with NFCU wishing to close my account, but I do take issue with the fact that they have sent me not XXXX, but XXXX signed letters from their Senior Vice President of Security Department, instructing me to visit my local branch to withdraw all of my funds and to close my account. I have wasted too much time with this matter and have done what has been asked of me. They are withholding funds that are legally mine which they 've instructed to permit me to withdraw. 
I do not know what to do, but this institution clearly does not know what it is doing.
On XX/XX/2016, I sent a letter to Experian complaining about several inquires that were showing on my credit report. I sent them a letter from XXXX XXXX for a XXXX XXXX inquiry that I never made. In the letter from XXXX XXXX they agreed to remove the inquiry and notify the credit bureaus. Experian still shows this inquiry despite it being over 90 days old and requested to be removed by the creditor. See attached letter as proof. I believe Experian is violating my rights in delaying the removal to purposely keep my score. I demand the inquiry be removed immediately without any further delay.
I previously received a wage garnishment letter from my employer for XXXX XXXX XXXX for an auto repossession. This occurred for 6 months then I received a release of garnishment summons XXXX XXXX. When I was paid on XXXX/XXXX/XXXX and a garnishment amount was on my check, I received contact information from my HR department I knew my debt was paid based on what was owed. On XXXX/XXXX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I explained my check was garnished previously and was not notified and it started again. I was told they won a judgement against me and that my spouse was notified of it in XXXX. She gave me the name of my son And asked me if he told me. I told her that was not my spouse and i was not served. Then she advised me the judgement was XXXX which after 6 months garnishment has XXXX balance and interest which by law they can charge. I stated they never notified me, they garnished my check. I need the amount owed to avoid interest. She stated I could pay {$1200.00} to be put on a plan with them to come from under the settlement. I am learning this was a legal action that had a court date that I did not attend in XXXX. Then the amount she gave was XXXX with a balance of XXXX plus XXXX to pay them to set up a payment plan. Not only was I not notified or properly served on the initial Legal Action in XXXX XXXX, but this garnishment is from XXXX XXXX, and I was not notified again.I provided them my address and then was told I Will be notified they garnished my check XXXX/XXXX/XXXX and the balance is XXXX for " now ''. 
I was not aware how garnishment occur. I did not know it was a court hearing. 
I was never properly notified or served concerning a legal action. They disclosed my information concerning my debt without my consent. 
My FDCPA rights was clearly violated my this company.
Financed a vehicle from XXXX XXXX with Ally Auto. Last payment was in XXXX 2015. The bank has still not sent a copy of the Lien Release to KS Dept of Revenue / Titles and Registration. Vehicle was involved in an accident and totaled. XXXX will not settle claim without Title. Contacted customer service on XXXX XXXX and was told it would be faxed within 24 hours. It still has not been received to date.
We had a XXXX mortgage with HSBC.We received a Cancellation of Debt from XXXX dated XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. Months later we received another copy of Cancellation of Debt which was dated XXXX/XXXX/XXXX. This form said it was corrected and stated the debt discharged was XXXX.The first discharged {$24000.00}. We heard nothing from XXXX or XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. At this time we heard from Ditech Financial LLC. 
Ditech claimed we owed $ XXXX+with late fees. We were able to get a loan modification on our XXXX mortgage due to my being forced to retire due to health issues and we could not afford our XXXX mortgage monthly payments. We are still struggling with our monthly mortgage payments and we heard out of a 4yr. silence that we owe for a XXXX mortgage. There is no way we can pay this back on our current fixed income.
On XX/XX/2018 I called Wells fargo Dealer Services to make a payment of {$140.00}. I was told by the representative that my account was in repossession phase and that they would not accept my payment. I asked to speak to a manager. I told him that I had made arrangement to pay on XX/XX/2018 but I was working and could not make it into a branch. 
He told me that Wells Fargo would not accept less than {$500.00} and it had to be iaid in 7 days ( He never specified weather he meant 7 business days or just 7 days ) On XX/XX/2018 my car was repossessed. I called into Wells fargo Office of the President and created a case on XX/XX/2018. I have been told on XX/XX/2018 that the person handling my case " isn't there '' so it had been passed on to someone else. I am losing money per my inability to travel to work now.
About two weeks ago I merely started an online application with First Progress, a XXXX secured credit card company. I did not finish the application. I did not make a deposit. I did not fund a secured card. I did not open an account. I did not receive a credit card in the mail. Yet I found out that First Progress intends to send the private and personal information in the application I did not finish to the credit reporting agencies. This is a breach of privacy. Especially since I did not finish the application, did not make a deposit, did not fund a secured card, did not open an account and did not receive a First Progress secured credit card in the mail. When I finally managed to find an actual working phone number for First Progress I explained the situation and I was told that they will forward my information to " only the XXXX major credit reporting agencies '' anyway. The XXXX time I called I asked for an email address to contact them about a serious privacy issue in writing, and I was told that First Progress does not have a customer service email address but I could have the number to someone else to see if they knew the email address because " they 're, uh, they 're like corporate. '' That number turned out to be a fax number. I called back, got nowhere and ended by informing them of my decision to file a complaint.
I filed a dispute regarding some late payments being reported on my credit report by XXXX, pursuant to FCRA 623a2b regarding furnisher must provide updated information as it becomes available. I provided the updated information along with a written dispute requesting that my credit report be updated to show that my accounts were placed on a forebearance to cover the date if thd delinquencies and the CRA still failed to properly investigate or retify my report.
I was in the hospital of XXXX XXXX. located in XXXX De. I suffered XXXX ( XX/XX/XXXX 2009 ) at the time. 
XXXX XXXX requested an independent ( someone who is not assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned to my case. Prior to seeing XXXX XXXX, he called me on the telephone, where he became extremely rude and lets just say unprofessional. He followed that phone call up with a visit where I told him : " I do NOT want your services. '' I shared this with him prior to any verbal exchange when he came into my XXXX room. He persisted that he attend to me ; I let him know under no uncertain terms did I need nor want his services. He was fired. Despite my directive to him and the fact that this incident occurred 6 years ago, I found out recently that a XXXX dollar bill had been assigned to my credit report through XXXX XXXX XXXX XXXX. 
This collection agency is : A1 Collection Service XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, N.J. XXXXI feel this action is unjust and completely unwarranted. 
I do have documentation from XXXX that supports my claim and would be glad to submit that if needed. 
The phone number to XXXX XXXX 's office ( according to the internet ) does not appear to be working.
I have continued to dispute this on my report for years. The company ca n't show me proof of a signature or delivery of any goods or any payments made.
Submitted a complete package to BB & T asking for assistance with mortgage, in letter dated XXXX XXXX from BB & T and received on XXXX XXXX by mail, BB & T in effect asked us for updated financials and an additional piece of information - a letter of income contribution from wife of income shown in bank statements in package. 
Today, Friday XXXX XXXX we found out that on XXXX XXXX BB & T sent a motion to the court asking to schedule a foreclosure sale by looking at the court docket, we were not even noticed. We found out because someone came to the house telling us that they were made aware that we wanted to sell the house, we said no, who told you so. In following up on what this visitor said we looked at the court docket which showed that a motion was sent to the judge asking to schedule a sales date, we were not even noticed by BB & T. See a copy of the court docket showing a motion sent to the judge asking to schedule a sales date. 
This shows that there is no intent by BB & T for us to be fairly examined for alternatives to a foreclosure sale. Their sole intent is for us to be foreclosed on.
OnXX/XX/XXXX, I authorized a payment of {$420.00} to be debited from my checking account at Huntington Bank for my car loan on XX/XX/XXXX. On XX/XX/XXXX, I transferred {$300.00} from my checking account to this installment loan account, with the understanding that I would only have to pay another {$120.00}. on XX/XX/XXXX, I discovered that my checking account was overdrawn by {$420.00} or so. I contacted my bank and was told that I would need to speak with someone in Collections on Monday XX/XX/XXXX. I spoke with two or three Customer Service Representatives on XX/XX/XXXX, and they all concluded that I would have had to contact my bank prior to XX/XX/XXXX to stop the automatic payment, because their system recognized the {$300.00} that I transferred over as an additional payment, and the {$420.00} payment had already posted. My problem is that I did not have an additional {$420.00} available in this account when this payment posted, and they are saying that they will not refund the money. I am unemployed at the moment and have rent due this week. I have already faced eviction due to the same issue XXXX weeks ago.
I do not owe on a  XXXX   XXXX  collection bill,  XXXX   XXXX  is my current service company and I always pay my bill on time and have active service. This is inaccurate data
I HAVE SUBMITTED COMPLAINTS TO XXXX OF UPSTATE NY CONCERNING THE BAD BUSINESS PRACTICES OF XXXX. THEY HAVE NOT SENT ANY DISCLOSURE CONCERNING A DEBT I DO NOT OWE AND HAVE NOT EXPLAINED WHY THIS COLLECTION AGENCY XXXX XXXX. ARE REPORTING FALSE INFORMATION ON MY CREDIT FILE CAUSING ME FINANCIAL HARM.
I was called by a collector but they refused to give me an address or the representative 's last name. They threatened to prosecute me for fraudulent activity and had information from a loan with " XXXX XXXX XXXX ''. The payment was over double what I had borrowed. They also said someone was coming to my house to deliver a " package '' after calling my employer and daughter for my address. I was intimidated and knew I did owe money so I released my personal checking information and authorized an immediate {$500.00} withdrawal and {$380.00} installments biweekly for XXXX more installments. They refused to send me anything in writing and said I would have the transaction ID. I only have a toll free number and was informed the company was located in California. Do I stop payment on the next installments? I am very uncomfortable and fear this is a fraudulent company. Nothing about the lending institution or collector is on my credit report.
I explained to  XXXX , Equifax, and  XXXX  that i do not recognize any of these inquiries on my credit report. I am writing to dispute the following information in my file. I recently received a copy of my Equifax,  XXXX , and   XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insuranc e C. Employment D. Court Order The following credit inquiries are r elated to none of the aforementioned permissible  XXXX   XXXX   XXXX   XXXX  .   XXXX   XXXX   (  XXXX   XXXX ,   XXXX    )   XXXX   XXXX   XXXX   (  XXXX   XXXX ,   XXXX    )    XXXX   XXXX   (  XXXX   XXXX ,   XXXX   )
Wells Fargo is refusing to delete my MIP insurance even though I have met the requirements according to HUD. My LTV is under 78 %. I have had my home for over 5 years. They are saying I was late in XXXX which I was n't, I was on FHA trial modification. I have spoken to several of their employees in the last three months and also received in writing that my MIP would be deleted effective XXXX/XXXX/XXXX payment, they have also confirmed this over the phone in which the manager yesterday confirmed both. I was also affected by Hurricane XXXX and I am now on a relief plan for the month of XXXX.
United Consumers Inc. sent me a notice stating that I owe {$150.00} to XXXX XXXX XXXX XXXX, however they are refusing to provide me with a bill. I have asked to cease collection activity until the debt is validated and they refused, which is a violation of the Fair Credit Reporting Act.
On XXXX. XXXX sent a representative to my Dad 's home for an inspection. I did n't provide my social security number to the representative. I check my credit report monthly. There is Hard credit inquiry made by the company which has affected my credit score. I 've called the company multiple times. I spoke with a few resolution associates. I was told emails were sent to manger and the representative XXXX.They all told me that my credit could not have been checked without providing my social. I spoke with the rep XXXX XXXX multiple times about this. He told me he and his boss are working on it. Its been1month I left messages with no response. The inquiry is on Equifax