WillisBack/dataset-financial-user-claim huggingface dataset:
The FAIR DEBT COLLECTION PRACTICES ACT IS CLEAR, and the law firm representing Wells Fargo Bank NA is in clear violation of it. 

On approximately XX/XX/XXXX, I received the attached letter from the Law firm XXXX XXXX XXXX, advising me they were commencing foreclosure action on behalf of Wells Fargo Bank NA and informing me they are required to comply with the FDCPA and Colorado FDCPA. XXXX Exhibit A ) They stated that if I disputed the debt, which they listed at {$460000.00}, they would assume the debt valid but if I disputed the debt within the required 30 days, they would mail to ME evidence of the debt, along with the name and address of the original creditor. 

On XX/XX/XXXX, I sent the attached letter via certified mail, return receipt requested, and the law firm received that letter on XX/XX/XXXX. XXXX Exhibit B ) In my mail this week I received the attached " Combined Notice - Mailing '' from the XXXX XXXX XXXX XXXX stating that on XX/XX/XXXX, a " notice of Election and Demand '' was recorded as the result of actions undertaken by XXXX XXXX XXXX. ( Exhibit C ) I have not as yet received any formal notification of a required Rule XXXX Court hearing related to foreclosures in Colorado. 

The formal notice from the Public Trustee, however, indicates that the law firm has initiated an action to collect a debt ( foreclosure ) without providing ME any validation evidencing the debt as required by law. I repeat : I received no correspondence from the law firm concerning validation of the debt AS REQUIRED BY LAW. 

I have enclosed the pertinent sections of the FDCPA and highlighted appropriate sections related to 15 US Code 1692 as outlined in a report provided by the FTC and listed and directed to by the CFPB web site. ( Exhibit D ) I have also included sample copies of notes that have been left on my front door by representatives of Wells Fargo every month, for several years now. Wells has denied ordering the notes be left. I am represented by an attorney and believe each note is a FDCPA violation. They are regularly left the XXXX of each month. The notes have changed, but the issue is that they always say to contact the Mortgage Servicer. 

809 Collector notification to consumer providing for the notice, and verification requirements. 

809 ( b ) if the consumer disputes the debt, or any portion thereof, the debt collector will mail certain documentation TO THE CONSUMER, including the name and address of the original creditor. 

813 XXXX a ) If the debt collector fails to comply with ANY provision, the collector is subject to damages. 

813 XXXX 1 ) ( a ) any actual damages sustained by such person as result of such failure ( i.e. loss of home ) 813 ( 2 ) ( a ) and XXXX 3 XXXX additional damages up to {$1000.00} plus legal and attorney 's fees as determined by the court. 

814 grants administrative enforcement ability to require that the FDCPA is complied with. 

As such, the law firm of XXXX XXXX XXXX has clearly violated numerous terms of the FDCPA and must be held accountable, along with client Wells Fargo Bank NA as well as start over after obtaining and sending to ME the appropriate verification documentation, if it exists.
I could not find a reason in the drop down window however, this is regarding my attempts to set up payment arrangements with a debt collector. 

On XXXX XXXX 2015, I pulled my credit report due to a Statement of Reason I received from the Consolidated Adjudications Facility regarding my security clearance. I contacted XXXX the creditors, Sentry Recovery and collections. I spoke with XXXX XXXX on XXXX XXXX 2015. During this conversation, he requested that I pay at least {$1000.00} down before he could set up a payment arrangement with me for the XXXX accounts his company holds. I told him that I could not come up with that amount and I would have to call him back. 

I was referred by my command to seek the assistance of a financial counselor XXXX. On XXXX XXXX, I spoke with my counselor and she attempted to reach XXXX XXXX three time. Two times, messages were left. I returned to see my counselor on XXXX XXXX to attempt to contact XXXX XXXX and again we reached his voicemail. On XXXX XXXX 2015, I returned to see my counselor and this time she made contact with XXXX XXXX. She explained that I was needing a payment plan arrangement and that if, in the future, I have an increase in household pay, I will contact him to adjust my payment plan accordingly. His comments were unprofessional as he told my counselor that I would never call him again. At that time she informed him that he was obligated to entertain a payment arrangement with me and that if he did not, I would be contacting the CFPB. He changed his demeanor and requested that we submit by fax a request to begin a monthly payment plan. I did this and the fax was sent and received by his office on XXXX XXXX 2015 XXXX. 

I have again returned to see my counselor on XXXX XXXX 2015, as it has been 7 days since I faxed the request. He has not responded. We attempted to contact him and reached his voicemail and she left a message.
I have been been repeatedly called by alliance one on a blocked number. I have recorded a few times this has happened and also notified them that they ca n't call me on a blocked number.
Today I called FedLoan, my servicer, about a payment question. When I mentioned the lump sum I made in XXXX 2017, to reduce my principal and by default the interest, he said it was being held in a " paid ahead '' folder. The lump sum was {$9000.00} which would significantly reduce my accrued interests, if applied. My account summary displayed the lump sum as if it had gone through, I did n't know it was being held anywhere. 

Basically, each month a portion is taken from my " paid ahead '' folder and applied to my loans rather then applying the whole payment right away. That way FedLoan can keep accruing more interest. I had my " paid ahead '' folder removed that I did n't even know existed. There was no email or clarification of this. Maybe in fine print somewhere, but these type of practices need to be made significantly more clear.
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX  : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX ALL ANY OTHER 30 DAYS OLD ON MY CREDIT REPORT ...
I backed a project on XXXX XXXX/XXXX/15 with a proposed delivery date of XXXX. To date I have yet to receive anything despite requests for refund. I turned to Chase bank to dispute the charges on my credit card and was told that due to the time lapse I would not be able to receive my money back. Nothing is in place for crowdfunding which leaves consumers such as myself empty handed. I was not asked for supportive documents, proof of my attempts to contact the company whom I backed. Chase essentially looked at the date of the transaction and denied my dispute instead of looking out for the customer.
My Capital One credit card has been charging me late fees, and interest when I increased the amount that automatically comes from my bank account. I had increased the amount to make sure that I would not have any problems with late fees and other charges against the credit card. I notice that in XXXX and XXXX the amount changed back to {$100.00} when I purposely increased amount to {$120.00}. When I checked my credit card statement it shows {$100.00} instead of {$120.00}. I believe that Capital One changed the amount of my automatic payments so they can charge me interest and late fees. 
I was paying late fees on {$1.00} over the amount of the auto payment. A late fee and interest was {$38.00} dollars. This month it was {$38.00} for over the auto payment amount of {$5.00} dollars. This causes my credit card amount to increase in interest and well as late fee charges.
On XX/XX/2013, I had a terrible fall and XXXX I did not have health insurance at the time, so this accident amounted to about {$120000.00} in medical bills. I was out of work for approximately 9 months total ( XXXX ). Consequently, I became very behind on a lot of bills and eventually was forced into bankruptcy. I had tried SO many times to EITHER get my payments deferred or get a temporary relief from payments due to XXXX. My XXXX filled out the proper paper work for me, stating it would be at least 6 months until I could work full-time again. Navient REFUSED to give me ANY kind of relief. They would not let me have any lowered payment or deferment " because my loans were consolidated after the cut-off date '' they 'd imposed. They refused any time of XXXX help. 
This is not all. Of all of the creditors that called, Navient was the most persistent. From XXXX until " quitting time '' at about XXXX EVERY DAY. Even the hospitals ' collection agency was not as persistent! This, in addition to trying to not XXXX so I could heal, was horrible! In fact, my XXXX is STILL not healed after over three years! 
As they were part of the bankruptcy, the Trustee gave them a payment of approximately {$3000.00} so they are telling me that I do n't have a payment for awhile. I do n't think that it 's a coincidence that they 're doing this just as their company is under scrutiny and law suits?!
After submission and verification of all the information there is no way to either file a dispute nor check on the status of a dispute. I enclosed a screenshot of TransUnion 's dispute page. I contacted TransUnion in this regard and it appears that their overseas customer service incompetent and worthless. It didn't resolved anything.
I spoke with a bank representative from USAA on XX/XX/2018 who asked me about 2 attempts to use my debit card in another state at a XXXX, and a XXXX XXXX that USAA blocked. I told them I had not been outside of XXXX, SC in the last few months. They stated no problem, and that they would put a fraud block on my account, cancel my debit cards, and reissue them. 

I noticed on XX/XX/2018 that fraudulent charges had posted to my debit card authorized XX/XX/2018 totaling {$3400.00}. Upon further review, I found that a fraudulent telephone transfer was made through someone impersonating me in the amount of {$4600.00} which posted to my account on XX/XX/2018. I do not make telephone transfer deposits, and I do not think I've ever made one. 

I am a Social Security Administration employee who was included in the data breach a few years ago.
I want to put a complaint in about XXXX. They called me with an offer to tansfer my high rate cards for a lower interesr rate.Aman describing himself as XXXX XXXX gave me the offer then transferred me to a person who identified himself as XXXX XXXX.I thought it sounded like a good deal, but then they told me it would cost me over $ XXXX.I told them I could n't afford that so they then offered an amount of $ XXXX.I then agreed to take the offer. The next morning I had second thoughts because it sounded like a scam so I called them back and told them I wanted to cancel the offer, but days later I received a check in the amount from my bank charge card account.The money was credited to my bank charge card and they in return sent me a check for $ XXXX.XXXX XXXX  XXXX is the company my bank charge card comes from. I spent hours and hours at my bank trying to figure out where to send the money to whomever it came from, but XXXX would not take it.I 've spoken many times to XXXX trying to find out whose money it was. They wanted to know how much it was but I refused to tell them because I di n't trust them.I now get statements from XXXX saying I owe them the money but it was not my right spelled name on the statement and it was an account number I do n't have.They said they would continue to bill me until I payed them {$4000.00}. They have the account number ending in XXXX which I do n't have.Please help me! I dont know what to do!..
I do not agree with XXXX Chase accounts listed on my personal credit file. I prior put a complaint against this agency due to fraud our office and just because there was signed checks this agency stated they were validated. I would like to request again verification of last activity a payment was made and also copies of initial contracts verifying these accounts were personally guaranteed as I do not agree. This is now the second time requested and I have the right to request and receive. 
Chase # XXXXChase # XXXXChase # XXXX
Hi I am sorry, I didn't open the credit card account on the XXXX and I have not received credit card and I didn't order and I didn't use the XXXX credit card never Please check my credit report and fixed. 
I can't open the other account and I can't co-signer for the student loan application for my husband and he can't give the loan. We are very very nervous and very very sorry for the incurrent credit report. 
We are very Physical and financial losses because XXXX report is incorrect.
I filed chapter XXXX bankruptcy in XXXX XXXX, XXXX. I completed chapter XXXX bankruptcy in XXXX XXXX XXXX. After chapter XXXX I did a mortgage loan modification with XXXX XXXX Mortgage. I started a new loan on XXXX XXXX, XXXX up until now. The dispute I have is that all major credit bureaus are reporting my mortgage loan information except for Experian Credit Bureau. I have disputed this item with Experian Credit Bureau and have let them know XXXX XXXX is reporting my information to them and they response is that XXXX XXXX is not reporting my current mortgage loan to them. I have repeatedly since XXXX XXXX, XXXX have asked to investigate and they repeatedly is blaming XXXX XXXX Mortgage. This is hurting my credit score and preventing me from getting credit from other lenders.
harrassing me constanty for past one year. even though after i sent signed letter to claim that i need more details. the debts showed up on my credit report without justification.
I made a payment within 30 days it was on XX/XX/2018. I paid by check on XX/XX/2018. My payments are due on the XXXX of each month. XXXX  and Equifax are showing that I'm late for XX/XX/2018 payment. 

I've disputed the first time this happened in XX/XX/XXXX with XXXX. Instead the company just updated the information, not actually investigated. Then on XX/XX/2018 it happened again. 

I gave copies of receipts showing payment history. For both XX/XX/XXXX and XX/XX/2018. 

Per Fair Credit Reporting Act you can't place any item as derogatory on your credit report if it's not 30 days late. 

I requested a thorough investigation. The fair credit reporting act states that if there are any inaccuracies or invalid on your credit report it should be removed. As a result this inaccuracy is hurting my credit score drastically.
I was victim of fraud but TD Bank is treating me like I was the perpetrator instead of the victim. I fell for an elaborate scheme that promised work from home. I cashed a check that cleared. I have learned the hard way clearing does n't mean the money has been verified. Days later TD Bank said the check was fraud but the money was withdrawn and paid to the " employer '' for equipment to work at home. Now it is my responsibility says both banks involved. TD has shown their true ways of business by caring more about themselves then their customers. I 've been a customer since it was called XXXX XXXX. This is my first issue and they treat me like garbage. I have called and called dozens of times and not one person has called me back. They promised to work with me because my direct deposits go to the bank and they would help by setting me up with a payment plan so I can live and also pay them back for being a victim now the responsible holder of {$3400.00} check. Not only have they lied to me about helping me. After calling so many more times, hey have applied my full paycheck to the amount owed and now tell me they wo n't help me by giving me any money but to add insult to injury they wo n't allow me to open another account without paying off " my debt '' to them. They also decided to pour salt in the wounds and " blacklisted '' me and have prevented me from opening up any other account with ANY bank. I am by far disgusted by this treatment and will not stop until some action is taken against the bank or have been provided with some assistance. Disgusted!!
I received a call regarding a debt which is not valid. The debt collector stated, and repeated, then confirmed that if I did not pay this debt I do not owe, or provide information from my insurance company, they would file a complaint with Washington State Department of Licensing to have my license suspended.
We filed for a home affordable modification with SPS -Select Portfolio Servicing and were approved we made our trial payments on time in the amount of {$1200.00} for all XXXX months they were due. Now XXXX comes and our XXXX payment after trial payments is due. According to our Modification paperwork we had no escrow shortage and the payment due was to be {$1200.00}. I called to make the XXXX payment today and I am told my payment amount due is {$1500.00}. So called back to question the payment and I was told that this was unusual, XXXX XXXX XXXX whom I spoke with stated that normally the XXXX payment is the payment agreed to in the modification and usually they do an escrow analysis about two months after the XXXX payment is due. It could possibly change how much I owe, but not til about XXXX or XXXX. He researched our documents and could not find any reason why our payment changed and also said there was no analysis done and that we received no paperwork to show any changes which according to RESPA I am to be made aware of in advance. Now I was told to make that payment of {$1500.00} or my modification would not be finalized. This is not what we signed a legal document stating and I want to get help to see if they are trying to scam me or get more money than owed. Can you please assist.
MOHELA continues to cancel my autopay ( 3 times now ), which increases my interest rate 0.25 %. They claim that my bank issues a stop notice after the autopay has been drafted. My bank has no record of these " notices '' claimed by MOHELA, and MOHELA has refused to provide proof of the claimed notices. Again I continue to pay from the same account on single payments with no issue after my autopay is cancelled, and the next month my autopay works after I re-signup for autopay which is then cancelled after payment.
My son hurt my credit .He started to rob me when my wife died in XX/XX/XXXX. I had perfict credit. My wife kept he in check. 
However, when she died he wante every thing from. 
He forced him self into my Home at XXXX XXXX XXXX. 
He forced me out of my own home and now I live at my camp at XXXX XXXX NY for the past 4-5 years now. 
He XXXX XXXX XXXX, the animal we call him lives on XXXX XXXXXXXX in XXXX NY XXXX. Phone is his XXXX XXXX XXXX XXXX. 
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The animal 's name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Make him pay all the bad credit he did to me in XX/XX/XXXX Just a few months after my wife passed and he did so much dammage to me over and over. He is classafied as a XXXX Lirer ... 
The XXXX XXXX XXXX  he opened in XX/XX/XXXX and ows $ about XXXX dollars. I did not do any of this. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XXXX I hope you can get me some help if, you can.
The account is fraud. it has been removed from all other credit bureaus and the collection agency failed to validate the debt in timely fashion ...
On XX/XX/XXXX I sent a letter to Transunion informing that there are several unauthorized credit inquiries on my report and that they should be removed. To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX Inquiry Date : XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 4. XXXX Inquiry Date : XX/XX/XXXX 3. XXXX XXXX Inquiry Date : XX/XX/XXXX 4. XXXX XXXX XXXX Inquiry Date :XX/XX/XXXX 5. XXXX XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX 6. XXXX XXXX XXXX Inquiry Date :XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This is not my account when I called the company they were very rude and said I needed to pay this or else
I have directed overpayments through the Navient website. I have clearly made the correct election to over pay a specific loan. The options on the website allow this but after I make the payment the following statement shows the directed overpayment to the specific loan has been spread among other loans despite my direction and the website directions I have chosen. I have spoken with Navient on several occasions over my repayment and they have said that they are not sure why " the computer has made that mistake '' and that they are looking into it. I have on more than one occasion asked for Navient 's assistance. I have had them walk me through making the payment to assure it was done correctly only to find the payment was spread among other loans despite having their assistance. The loan I am overpaying is the highest interest rate loan I have. It is a GradPLUS loan at 7.8 % interest. I want to direct all of my overpayments to this loan and their website says that this is allowed. I have confirmed this with Navient on the phone. Despite my direction Navient continues to take my overpayment and allot it to lower interest loans. The loan acrues $ XXXX/day. I want to reduce this and pay the loan off quickly. The blame a computer error. The account history application shows an inaccurate record of my payments in an allocation different than I have directed.
XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, MA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$3500.00} Comments - Payment History 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