WillisBack/dataset-financial-user-claim huggingface dataset:
Several debt collectors have repeatedly called me, my family, and friends in several states with calls at all hours. They are referencing payday loans from XXXX and XXXX. When I moved to XXXX for a new job, I did take out several payday loans for {$250.00} to {$500.00}, but those were settled between XXXX and XXXX. The collection calls started in approximately XXXX of XXXX. The have repeated called relatives, me, and disturbed a very ill friend in XXXX XXXX, XXXX at all hours which has been upsetting to all of us. 
The most frustrating fact is that none of the firms will share any information about the debt - when it originated, when I supposedly missed the payments, and what I owe now. 
XXXX firm asked for {$400.00} as a " restitution payment '' to settle XXXX debts and another asked for {$1500.00}. Again, no details are given. 
The loans were taken out online - and I 've never been contacted by email regarding a delinquency. 
The firms that have incessantly called me, my family, and friends across the US are : XXXX, Premier Recovery Group, XXXX XXXX XXXX, XXXX XXXX, and XXXX. 
The allegations are : " Theft by Deception '' and " Malicious efforts to defraud a financial institution. '' What 's ironic is that I work for a major XXXX and the staff here are advising me that this could be fraud, since no details are provided.
If these advocacy would just get out of my way I could pay but they keep putting their nose in the way, us bank that is ... It dose feel like being XXXX in both feet.. 
This is the only way they listen to any thing..
Tax Lien still showing on my credit report. It 's been over XXXX years. The tax lien was showing a property in another county that I have never lived in.
On XXXX/XXXX/XXXX I mailed dispute letters to each credit bureau and it is now XXXX/XXXX/XXXX and I still have not received any responses from any of the credit reporting agencies. It has been well over 30 days and a response is required. This is a direct violation of my rights and has impacted my XXXX XXXX negatively.
Chrysler Capital has charged me a late fee for 3 months in a row even after I presented them cancelled checks showing that I made payment on time. Have written them about this and they have just ignored me. Will not be doing business with them again
XXXX XXXX XXXX , XXXX is reporting a collection on my credit report that has been inactive for more than 7.5 years. I have requested that XXXX XXXX XXXX , XXXX show me the most recent record of payment on this collection and they have failed to produce this information. I would like this collection removed from my credit report immediately.
I filed bankruptcy XXXX of 2016 this debt was included in my bankruptcy and I have called and called only to be told that they have received my paperwork and to give them 8 weeks to resolve the issue and here we are over a year later and still has not been fixed!
I'm reaching out because I got a copy of my credit report and saw so many inquiries that are not mine. I dont know who is trying to run my credit. Can someone please have these inquiries removed from credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
I have been on Income-Based Repayment for several years, as I am a XXXX employee, and plan to use the PSLF program. I recently got married, which ( understandably ) increased my payment. I submitted my initial Employment Verification Form in early XXXX, and my loans were transferred from XXXX XXXX XXXX XXXX to FedLoan Servicing on XXXX/XXXX/XXXX. I was paying {$610.00} a month to FedLoan Servicing. When my IBR was due for renewal, I got a letter dated XXXX/XXXX/XXXX saying that if I did not renew my IBR, my payment " will increase to {$550.00}. '' Since this number was smaller than what I was paying on IBR, I cancelled my IBR and switched to Standard Repayment, expecting to pay $ XXXX. After my request was processed, my interest was capitalized ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) and my XXXX statement was then reduced to {$590.00}. I figured this was slightly higher than the letter stated since interest was capitalized. I continued to be billed ( and pay ) this amount in XXXX. However my XXXX statement says I owe {$690.00}. I do not understand why my payment now went up, or why it was {$590.00} for two months. I believe that I should be paying the {$550.00} as stated on the letter I received XXXX/XXXX/XXXX. I called FedLoan Servicing twice to inquire as to the different payment amounts. After being put on hold 7 times by the first person I spoke with, and still not having any answers, I tried again the next day. The second representative told me that the letter dated XXXX/XXXX/XXXX must have been in error. He said that I would have a lower payment if I re-entered the IBR program. However, I now have to pay an increased amount for the next several months as they process my application. Since I am in the PSLF program, this is money out of my pocket that I would not have otherwise needed to pay, but for their misinformation. I would like this resolved because increased payments, which I did not expect, is a hardship that is caused purely by the incorrect information provided to me by FedLoan Servicing.
XXXX student loans used to appear on my credit report. I called and emailed and asked for proof of the loan. I received correspondence that stated there was no original loan proof and the debt was removed from my credit report. About a years time went by and just last year XXXX XXXX XXXX XXXX appeared on my credit report stating I owe {$69000.00}. I have requested proof source and have not received anything.
Chase Bank refuses to send a debit card to my address of record in retaliation for filing a previous complaint lodged against a branch manager at a XXXX, Washington office. The XXXX branch manager had refused opening a checking account based on my race : He did not accept the reality there were XXXX living in former XXXX only areas. 

Its banking representatives offer excuses rather than solutions. Back on XX/XX/2017, there was a bank request for a debit card with a seven to ten day estimated time of arrival. It did n't arrive by regular postal mail by XX/XX/2017, so it was necessary to call telephone banking to resolve the issue ; especially, since the building of residence has controlled access points, and the personal mailbox key belongs to the bank account holder. After speaking with XXXX customer service representatives by telephone, neither of whom were willing to provide any written documentation regarding the debit card, it was necessary to visit the local branch office. 

On XX/XX/2017, the helpful branch manager at the XXXX, Washington location ordered another card by XXXX 2 day expedited delivery with an expected arrival date of Monday, XX/XX/2017. The debit card never arrived. It was necessary to contact telephone banking services on both XXXX and XX/XX/2017 and express dissatisfaction with customer service because someone had intercepted the bank card during transit. A banking representative person in charge first stated the bank did not re-send the debit card to the address on record because of the account was less than 30 days old and it was bank policy not to send XXXX cards to the same address. When told neither the first nor the second bank arrived to the address on record, another banking representative claimed there was a change in address and the bank not be able to send a debit card for thirty days. I adamantly demanded to know who placed account restrictions and for what reasons because someone had internally flagged it ; in addition, I demanded to know what party made an unauthorized change of address without either my knowledge or consent because since I had made none. Then it was necessary to tell the banking representative person in charge that Chase bank will not send a debit card to my home address of record because it was participating in racial discrimination. 

Although both XXXX and XXXX have validated the address on file with Chase, the bank still refuses to send the debit card because of a previous negative encounter with the XXXX branch manager who made an internal complaint flagging the account for suspicion of fraudulent activity based on his claim the address on file was not valid. The branch manager had acted in a vindictive manner in retaliation for filing a formal complaint of racial discrimination with Chase executive offices.
I sent TransUnion a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. TransUnion received this letter on XXXX/XXXX/2015 ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXXAccording to FCRA XXXX XXXX XXXX XXXX sub-paragraph ( a ) ( XXXX ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA XXXX XXXX XXXX XXXX Sub-paragraph ( a ) XXXX ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
My husband and I had credit cards through XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. We received a judgment from First Resolution Investment Co for both credit cards stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to XXXX XXXX XXXX XXXX XXXX to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XX/XX/XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. We called First Resolution Investment who directed us to their lawyer at XXXX XXXX XXXX, XXXX who laughed when we told them we had paid this off and told us to prove it.
XXXX is reporting XXXX fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since XXXX 2017, and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are XXXX loans that I DID take out in my name but there are XXXX loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to XXXX back in XXXX 2017. After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until XXXX XXXX, 2017. Five months later, after requesting one to be sent to be beginning in XXXX, they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that XXXX is servicing these loans and they are rejecting my fraud packet. However, whenever I call XXXX they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on XXXX XXXX, 2017 and according to the packet credit reporting was to cease 15 days after receiving the packet, which was XXXX XXXX. They have yet to do so and had the nerve to tell me they ca n't because XXXX rejected the packet. XXXX does n't even know who I am when I call so how can they reject a packet? If anyone from XXXX actually bothered to called the XXXX number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!
I have an agreement in place with Portfolio Recovery Associates ( PRA ) to payoff my XXXX credit card with monthly electronic fund transfers from my personal checking account. I 've covered all monthly payments, as agreed, starting XX/XX/XXXX. In XX/XX/XXXX, notice the latency, I received a letter from PRA to " collect a debt '' and discuss payment options that I ignored because we already have an agreement in place with XXXX covered payments. PRA disclosed the debt to credit bureaus, according to PRA, to " report payments ''. Due this action, my credit score took a dive of XXXX points. PRA is unethical because they disclosed false information to the credit bureaus and tried to brainwash me explaining this was actually " helping me ''. PRA, explain to me why after XXXX payments, with no missing payments, you report the debt to the credit bureaus? After 3 years? How lame.
This issue remains unresolved, and I find it necessary to update the record to address concerns, about Specialized Loan Services ( SLS ), not covered or supported by documentation earlier. 

On XXXX/XXXX/XXXX, XXXX XXXX XXXX ( XXXX ) transferred the mortgage loan to SLS, effective XXXX/XXXX/XXXX. See Exhibit A. 

On XXXX/XXXX/XXXX, Specialized Loan Services assigned the mortgage loan number, xxx. The notice set forth unpaid principal at {$440000.00}, uncollected interest at {$2000.00}, escrow /balance at $ XXXX, and outstanding fees that totaled {$910.00}. See Exhibit B. 

On XXXX/XXXX/XXXX, SLS sent the Notice of Servicing Transfer effective XXXX/XXXX/XXXX. Exhibit C. 

On XXXX/XXXX/XXXX, I paid SLS {$3100.00}, on loan # xxxx, for initial payment due XXXX, XXXX/XXXX/XXXX. See Exhibit XXXX SLS applied the XXXX/XXXX/XXXX payment to a debt claim of {$3100.00}, allegedly due, for XXXX mortgage payment by XXXX. 

I disputed the SLS payment to XXXX, immediately. To date, XXXX has not submitted a proper bill in any amount for any outstanding claim of debt. XXXX ceased communicating with me after XXXX found errors and adjusted the online loan transaction history. 

On XXXX/XXXX/XXXX, after discussion with SLS, I disputed the payment to XXXX, in writing. See Exhibit E. 

On XXXX/XXXX/XXXX, SLS sent a demand for {$10000.00}, due XXXX/XXXX/XXXX. Exhibit F. 

On XXXX/XXXX/XXXX, SLS sent notice of changes to the mortgage interest rate and payment to take effect on XXXX/XXXX/XXXX. SLS states that the interest rate stayed the same for six months and that period ends XXXX/XXXX/XXXX, so the rate and mortgage payment will change. See Exhibit G. 

XXXX made a change to the mortgage interest rate effective XXXX/XXXX/XXXX. That change included an increase in the interest rate and payment that, contrary to the SLS claim, has not stayed the same for six months. SLS must know that this new debt claim violates the ARM agreement much like SLS knows that collecting disputed debt from me on behalf of XXXX is wrong and beyond the scope of the agreement. XXXX must be held accountable to justify the claim and not simply allowed to rely on a third party, SLS, to collect a disputed claim without proof. 

On XXXX/XXXX/XXXX, SLS sent a Mortgage Payment Delinquency Notice. Exhibit H. Five days later, on XXXX/XXXX/XXXX, SLS sent a second delinquent notice demanding {$3900.00}, including {$3100.00} Monthly Payment, {$910.00} in Fees /Advance, and {$110.00} in Suspense Balance. See Exhibit I. 

The fees listed by SLS are not legitimate. Again, SLS is attempting to collect on a claim that XXXX made during my Bankruptcy and hid from the Court when filing a Response Notice To Cure Final Payment on XXXX/XXXX/XXXX. XXXX admitted, in writing, to making errors in servicing the loan including overcharging my escrow account for 19 months. XXXX adjusted the loan account and failed to submit a written demand for payment, including fees, and SLS does not provide sufficient details, proof of claim. 

On XXXX/XXXX/XXXX, I paid SLS {$3100.00} for XXXX. See Exhibit J. 

On XXXX/XXXX/XXXX, I paid SLS {$3100.00} for XXXX. See Exhibit K.
I got a Wells Fargo notice on my bank account that said my new card was on the way. I wrote them back and asked them what was up because the account number did not match mine and I did not request a new card. After two emails, the customer service rep told me that my account was " At risk for unauthorized transactions '' and they changed all the account numbers. I went through my account and had no unauthorized transaction up to date, and demanded why they thought I was at risk and why they changed everything without my knowledge and without my permission and they will not tell me. To me it sounds like they 're hiding a security breach, but I 'm super XXXX, I 've had the account numbers memorized for years and they go and change it without even telling me.
On or about XX/XX/XXXX I went to the local Sun Trust bank to open a CD. I was referred to the investment Rep, XXXX XXXX, to consider their " Sun Trust Index-linked Certificates of Deposit ( SILC ). I was given some paper work which I read and was told that the SILC was only available until the end of the month. I was not told and no where in the paperwork did I find any info indicating that they would charge a surcharge for opening the account. I opened an account for a {$50000.00} six year CD with a guaranteed return of 5.5 % at the end of the term but that it could be higher based on the XXXX XXXX XXXX. In early XXXX I received a statement indicating that my account with a settlement date of XX/XX/XXXX had a value of only {$48000.00} and a cost basis of {$50000.00} as of XX/XX/XXXX with an unrealized loss of {$1500.00}. I questioned XXXX XXXX as to what happened to the money. He said it was due to fluctuation in the market which I told him was impossible to have a drop in the XXXX of exactly 3 % on the day of the transaction. He later changed the story which he has changed a few other times and now says it is in the document that there would be a charge but he still will not tell me where in the document this info exist. In XX/XX/XXXX I received a XXXX for the {$410.00} interest but no mention of a fee. I obviously had to pay tax on the {$410.00}. It appears that they treat the income similar to other stocks or bonds but not the cost basis. I feel someone needs to review where those funds go. I have never heard that a bank charges for opening a CD.
I am attaching proof that i filed a complaint with the florida office of financial regulation-division of consumer finance. The company XXXX XXXX, XXXX, is a company that isn't licensed to collect in the state of Florida, I verified the license thru the Florida website and this company name or any variation of the spelling is not listed at all. I even called that same office and asked them to verify that was search for that company license was correctly done. I was informed by the rep that my search was done correctly and they did not show that company not having a license. They also informed me that Northland group put in for a name change, to XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Norhtland Group informing me that I owe a debt and need to work out a settllement. My complaint is 1 ) they are not licensed to collect in the state of Florida as XXXX XXXX, XXXX which is who contacted me in writing, and 2 ) they are issuing Fraudulent allegations, stating that I owe XXXX XXXX, XXXX, and they aren't even operating under their correct name. This is clearly a FCRA violation.
The company Jonathan C Frank and Associates at the phone number XXXX has repeatedly contacted my parents at their home number AND personal cell number about a matter involving me that is " an urgent legal matter ''. I have no idea how they got my parents contact information but they have been harassing them and that is a violation of my privacy. Also, they have called my job as well and I have had to explain this to my HR dept. They contact my parents on XXXX XXXX, XXXX XXXX and XXXX XXXX. They contacted my job on XXXX XXXX and XXXX XXXX. They do not say what the matter is regarding only to say " It is an urgent legal matter ''. Like I am being wanted for XXXX! I have discussed this with my credit lawyer and he said we could sue but its best to just report a complaint first and see if that helps. Any help is appreciated.
I got 3 infractions/citations in XXXX, OR original fine amount {$780.00}. Due certain circumstances I wasn't able to take care of it and then by my personal neglect missed the chance to deal with it within a year as per court statement. go turned over to collections with all the fees new balance of {$1500.00} Per court statement I can only settle with collections agency on monthly payments or pay in full to the court house. Neither one of them refuses to negotiate the debt. one of the reasons I could't take care of it is that I did not have {$800.00} to satisfy it and especially now {$1500.00}. It got turned over to XXXX XXXX XXXX   out of XXXX, OR. Collections agency attempted to collect over {$1800.00} plus tried to charge interest rate. Court 's clerk stated that they can not charge any additional fees nor any interest as it is already built in into new owed balance. I need help to renegotiate the debt and at this time i'm willing to settle for original owed balance which is {$780.00}. this whole incident was caused by as what officer thought I crossed intersection on yellow light. It's unbearable punishment. My driver licence is suspended because of it and I can't support my family without it. Where is the fairness in this. and i'm at fault only because I didn't take care of it in timely manner.