WillisBack/dataset-financial-user-claim huggingface dataset:
NOTICE OF COMMERCIAL LIEN INTENT!! PRTFOLIO RECOVERY ASSOCIATES LLC HAS USED FICTITIOUS NAMES 3 TIMES AND VIOLATES FEDERAL CODE, note memorandum ; NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 3 counts. CEASE AND DESIST AT ONCE, THIS IS COMMUNICATION FROM LEGAL COUNSEL FOR THE PLAINTIFF, NOTICE OF COMMERCIAL LIEN COMMENCEMENT,
Lendmark Financial is trying to collect on a debt 2 times which they have already sold or transferred to another company, and will not remove from my credit report after my several attempts of disputing. They have multiple accounts on my credit report for same company, different dollar amoounts which is severely affecting my credit rating. XXXX of their reps from the company told me they would removed the account from my credit report back on XXXX XXXX, 2016 because they longer had my account or file.
I have had a XXXX ( mental health and physical health ) starting in XXXX. In XXXX XXXX of my Doctors ( XXXX XXXX XXXX ) stated that I was likely fully XXXX. In XXXX XXXX I was ruled by an administrative judge to be 100 % XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX XXXX Florida ( XXXX XXXX, XXXX. ) contacted these all of the federal student loan agencies but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease in XXXX as these directly impact credit scoring.
I am receiving calls from NAVIENT that are harassing and occur nearly every hour of the day. I must state that I have never had nor do I now have a student loan of any type in my entire life. That statement holds true for my wife as well. This ror-call will not allow me the option of talking to a representative to try and settle this harassment issue as they assume they have the right person merely by virtue of their call. This harassment has disrupted my family time, taken up space on my voice mail, and the number given XXXX will not allow me to proceed to a conversation with a live person. Again, I do ot possess a student loan. I have never even applied for a student loan. I want the phone calls to cease and desist immediately. I believe that this is a case of mistaken identity created by the shoddy investigative practices of a less than credible agency.
I talked to a rep a few months ago about my Chase Private loans and she said no more interest would accure on account and my payments would be $ XXXX month until account pd off. I told her I needed to discuss with my husband everytime I call back they are not working with me on an affordable plan I was recently offered. 
They are giving me options that are not affordable at all. I want what I was offered so I can start paying on these loans.
I purchased a cashiers check to secure a rental home for my family. After the funds were sent but before the check was processed, I was unable to reach the property management company and suspected fraud. I contacted Navy Federal and was told the check had not been processed and I could stop payment on the check by filling out an affidavit of loss. I did this right away and the funds were credited right away. 7 days later I receive a call from navy federal informing me that the check was presented for payment and the funds were deducted from my account. I explained the situation again and they refused to reverse thier decision. I tried to escalate this to a supervisor and was told the person I was talking to was a high as it could go. I have been a customer of this bank for 20 yrs and have never had an issue like this before. They lied to me and have refused to make it right.
What best describes my issue is that this company continues to report an account to my credit report that they no longer hold or have any rights to collect on. ( {$250.00} XXXX of XXXX ) They have stated that the account is not in their hands and they have no control over what happens to an account once it is no longer in their hands. Yet they continue to report the debt on my report as if they are the current creditor. If what they are saying is true ( as referenced in complaint/case number XXXX ) then why are they still listing themselves as the creditor and reporting to the bureaus. Also, the letter I received from the so-called new company, XXXX XXXX XXXX XXXX looks awfully identical to letters that Escallate uses. I found out from a government agency that EscallateXXXX are either affiliated/sister collection agencies or are the exact same agency using different names and possibly switch between each other to trick the consumer into thinking the debt is now with a new/different company. This complaint is specifically directed at Escallate. I have also contacted the Original Creditor and was told the account is still with Escallate, which again confirms deceptive representation and collection practices. So, I am requesting Escallate provide the date the account for {$250.00} was removed from them. The date and any additional info regarding when this debt was transferred or sold or otherwise removed from their care and when they no longer became the Creditor for this account that they state is out of their hands ( again refer to response in case # XXXX ).
The Bank discriminately closing, denying account access and being denied opportunity to open a small business account pursuant 42 U.S. Code 1983 and 15 U.S. Code 1691 ( d ).
National Credit Systems is claiming I owe {$1000.00} to XXXX and reporting it to my to my credit history. I have never been told about this debt by either XXXX XXXX on the Debt Collector even though they have my phone number and address on file. I called the apartments and was told to contact the collection agency. I called the collection agency and was told the debt was sold to The Law office of XXXX XXXX XXXX XXXX XXXX, XXXX. I called the Law Office on XX/XX/XXXX at XXXX and asked to be sent written notice of debt with proof. It has been over ten days now and I am aware that under the Fair Debt Collection Act, I am entitled to this information 5 days from the date I was in contact with the collector. I would like the debt collector and Law Office to please correct the mistakes they have made. I have yet to receive any paperwork stating why I owe this debt, why it was opened 6 months after my lease ended with XXXX XXXX, and what my rights are.
On XXXX XXXX, 2016 I sent a wire transfer from my bank " XXXX '' in California via an intermediary bank " Bank of America '' to the beneficiary bank " BAC '' in XXXX. 
BAC would not release the funds because of incomplete information. After further questioning as to what was incomplete BAC supplied me with two emails showing that Bank of America in XXXX omitted the name and address of the intended beneficiary in XXXX. I am asking for a full refund of the charges involved because after I finally had the funds returned I needed to pay all the charges again. XXXX charged me {$40.00} and Bank of America charged me {$15.00} for the incomplete service. 


I have sent a certified mail with all the documents and received a form letter telling me to get XXXX XXXX to handle it. 

It is almost impossible to get thru to Bank of America and the wire transfer division is almost top secret.
I received notice from Cedars Business Services LL, ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ) for collections on behalf of XXXX XXXX XXXX XXXX when I was in XXXX in XX/XX/2013. I paid the traffic violation ticket when I got the ticket 5 years ago. I don't have any proof because this occurred 5+ years ago and now Cedar Business Services is trying to collect more from me. Also Isn't there a statute of limitations on this and how can a traffic violation occurring in another country placed to debt collections. I provided no consent.
I disputed a zero balance collection from Credit Protection, XXXX XXXX XXXX, XXXX TX XXXX. The debt was paid in XXXX of XXXX. I sent letters to ask for removal and received no response. I then disputed the amount with XXXX. When XXXX intervened, Credit Protection reported/updated my account as a new collection as of XXXX, resulting in a XXXX point decrease in my credit score. Even though the balance is {$0.00}, the incorrect date of last activity severely damaged my credit score. XXXX is also disputing on my account. The confirmation number XXXX.
Hospital attempting to collect charges beyond those that my insurance company has deemed allowable, based on their contact as a provider. This practice is considered " balance billing '' and is prohibited by law.
On XXXX/XXXX/XXXX I initiated a payoff of my Target REDCARD Credit Card ending XXXX. I have not used my card since that date and was under the Impression my account was in good standing, Target has hassled me since the card was opened in XXXX XXXX about the credit limit and paying the card down, every time the card was reduced by a substantial amount, Target decreased my credit limit affecting my credit score. I have logged into my account previously to make sure there were no residual payments or interest but I have not used the card since paying it off. 
It turns out that I was going to check my limit recently and found out Target closed out my Account without notifying me in writing thus drastically affecting my credit score and credit history with Target, this is something that Target should have notified me in writing that was going to occur and thus is hurting my credit.
I moved out from my apartment in  XXXX  2017. They said I paid them everything that I owed, and that I did not had a  XXXX  balance. I am extremely credit conscious, I pay my credit card off every month, I check my credit scores regularly and I have never missed a payment. Therefore, it was extremely shocking and frustrating that this collection agency, National Credit Systems Inc., placed a collection against me, that showed up on my credit report in   XXXX   2017. I was never contacted by either the apartment company nor the collection agency to be informed that they still thought I owe them money. They never called ( or if they did they did not leave a single message ) nor did they send me anything in writing. I would have dealt with this before it went to collections if they had.
As soon as I became aware of the debt,  XXXX / XXXX /2017, I contacted the apartment company,   XXXX    at  XXXX  in Maryland, to confirm that I did not owe them anything, which they confirmed. Please see the attached move-out statement showing a  XXXX  balance. Then I contacted National Credit System Inc to find out what I can do to get this taken care of. The manager at the apartment company said she sent the  XXXX  balance sheet to her point of contact at the collection agency, but never heard back from them. Meanwhile, the representative that I have spoken with daily at the collection agency says they have not received anything from the apartment company. Both companies informed me that they are waiting for the other to reach out to them, yet neither company has done so.
I also disputed this collection with the   XXXX    credit bureaus, but I am afraid if these two companies can not communicate, the collection agency will continue to show that I have an unpaid debt.
I applied for a conventional mortgage with Citibank to purchase a secondary residence costing XXXX XXXX I had liquid assets of XXXX that amount credit scores of XXXX a D/I of less than 20 % and current annual income of close to XXXX. My job was going away within 60 days with a written document payout of XXXX my annual base and 3 years deferred comp totaling XXXX the cost of the home and I was declined because I could not show I yet had a new job. I 'm starting my own business. I was told to pay cash I am also an XXXX male
After I cancelled my loan Navient sent another XXXX XXXX dollars to XXXX XXXX XXXX XXXX XXXX XXXX XXXX They will not remove this from my loan even though it was their error. I never attended this school.
This debt collector has intruded into my credit trade lines via a third party. They are in possession of my person 's nonpublic ( private ) data, which is a violation of the Social Security Act, Gramm-Leach-Bliley Act, Title 18 and the FDCPA U.S.C. 1962c ( b ) and Identity Theft with is a violation of the FTC. I never verified my person 's social security number and XXXX XXXX , XXXX has never obtained my prior consent to communicate with me FDCPA U.S.C. 1692c ( a ). 
I sent a Cerified Return Reciept letter to the companies registered agent in addition to a copy sent directly to this debt collector to include a cease and desist and removal of this information from my trade lines with an invoice for damages enclosed. I have given them the proper amount of time to contact me with regards to this and they have failed to do so.
This has been going on with the Wells Fargo since late XX/XX/XXXX early XX/XX/2018. 

The only thing that the company has addresses in full was why they used that specific appraiser. I am ok with their answer to that point only. 

They still have not addressed the mistakes and wrong information for the properties that are in the appraisal at all and in specific detail. By law Wells Fargo must have at least three accurate properties with correct facts in order to accept the appraisal which the full appraisal does not and only has one. If Wells Fargo does not fix the errors and incorrect information and data in the report and/or use the report and accept it then they are breaking the lending laws both federal, state and local. Wells Fargo must either correct the report or not accept it in order to follow all the laws and regulation that govern leading. 

Wells Fargo still have not addresses the lies that the company employees have done, i.e. said that they review information but did not and stated those facts on recorded calls. What specific steps did Wells Fargo do to re-train these employees and what improvements plans where these of these employees put on. It is against the banking laws to lie to a customer through the lending process. These happens during multiple stages through this application and have been documents on recorded calls. To resolve this matter Wells Fargo must go back and listen to every single call in full and confirm to me that they did that in writing and they then took appropriate action against the employees that lied. 

They had a legal team review this please explain in detail why Wells Fargo had a legal team need to review this if Wells Fargo did not do anything wrong.
Dear XXXX, XXXX school : XXXX XXXX, XXXX, Montana ; XXXX XX/XX/XXXX XXXX XXXX : University of XXXX XXXX XXXX XXXX ; graduating XX/XX/XXXX Unfortunately, I received my XXXX private student loans through Wells Fargo. Post graduation, the multiple loans were consolidated into XXXX loan. I worked for a few years and was able to easily make payments. However, upon attending law school, Wells Fargo informed me I would not be able to defer my payments during school. Now, I pay over {$280.00} per month for my XXXX loans. These payments are crushing. To get by, I have been forced to use credit cards as I have n't enough money to pay for necessities. I use my federal student loans from law school to pay for the Wells Fargo student loan and now all of my additional credit cards. The money always runs out at the end of the year, and I end up racking up late payments galore. If student loans were dischargeable, I would have filed bankruptcy. If my parents had not have co-signed I probably would have quit paying them, becuase I simply can not do it anymore. 
I am in the top XXXX of my class and receive excellent grades. I have a job lined up for after school. I understand the nature of secured and unsecured transactions. I understand my contract obligations. However, before law school I was less savy. Had I known about the miserable circumstance I would be in now, I never would have consolidated my loans. I definitely would never have received a loan through Wells Fargo. Wells Fargo is 100 % unwilling to help. Their customer service representatives inform me that my type of loan is one of the only types that can not be deferred. This is predatory and unfair. This loan has ruined my life. I work 30 hours a week in addition to going to XXXX in order to make these payments. I am going to work 12 hours XX/XX/XXXX so that I can hopefully catch up.
This is also in regards to active case no. XXXX with your agency. My vehicle was repossessed on mothers Day of this year. It was repossessed illegally because I was unaware that it was in jeopardy of being repossessed and I was not sent a Notice of Intent to Repossess from the GM
I had a federal tax lien withdraw from Equifax. My  XXXX  score was  XXXX  I requested and paid for an updated version of my  XXXX  score and it went up  XXXX  points only  XXXX  what 's wrong with that picture a negative item that was paid was removed and it impacted the score practically nothing Are they playing games with the consumers?      XXXX  17  tax lien was removed  XXXX  17  paid for and updated score at  XXXX
On XX/XX/XXXX I had purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX located in XXXX XXXX, MD. Financed with Bridgecrest Account # XXXX. Up until XX/XX/XXXX I had issues with my XXXX XXXX XXXX and finally after jumping through hopes with XXXX and Bridgecrest it was offered to me that my vehicle would be bought back from me with out taking a negative hit to my credit. I eventually got a XXXX XXXX XXXX Bridgecrest financed again Account # XXXX. My interest Rate went up because what I finally found out after calling with Bridgecrest and XXXX is that when they bought my vehicle back even though I had made every payment on time they would have the credit Beauru to delete my on time payments that I had worked hard on and know when I bought my new vehicle my interest rate went up because of my credit score. SO I am out the 6 months of onetime payments I had paid towards my other car and my credit score is unchanged or worst. I was never told that my credit score would change like that after switching out into a new vehicle.
Experian is not reporting account # XXXX with the correct limit. I have XXXX XXXX Credit Card with a XXXX limit. This is information is not being displayed and is affecting my credit score. Please have Experian to fix this issues ASAP.
I found a " collections '' status on my credit report for a medical bill. I received XXXX bills from the physician 's office and paid via check on the XXXX bill. The check was not cashed but I received no further communication from the physician 's office. I contacted the Collections Company and told them that I had not received a letter or phone call from the company. Upon further investigation, I did not receive a letter but I did have XXXX missed calls from their unknown number ( no voicemail ). I do not feel that this is sufficient contact and I believe that they should have sent a letter if unable to contact via phone. I had extraordinary credit, no late payments, prior to this incident and I paid the outstanding balance immediately on the phone with the collections agency.
FIrst source advantage has repeatedly called me about an " important business matter '' concerning someone who is not me. I have told them that I am not the person they are looking for and to stop calling me. They have not stopped calling and have called my work several times as well.
XX/XX/XXXX - 4 calls to cell phone ( XXXX, XXXX  XXXX, XXXX ), 1 call to work phone XX/XX/XXXX- 4 calls to cell phone ( XXXX, XXXX, XXXX, XXXX ) 1 call to work phone, also called my place of employments main number and demanded that the secretary give me a message
I have a credit card through Wells Fargo Bank. I reached my limit and came to a payment agreement with them that I would no longer be able to charge on my card. They are taking automatic deductions from my checking account. However, once they started doing that they stopped sending me statements in the mail. I tried opening an online account so I can keep track of the account and the site would not allow me to do so. I called them to ask them to help me set up an online account and they told me that because the account was " over charged '' and had been closed, that they would no longer provide me with or allow me to open an online account. The only way they offered for me to follow the progress of my payments was to call them monthly and they would tell me what my balance is. Can they take money from me without giving me a written method of following the account? For all I know, the money could be going to another account or being put into someone 's personal account. I want to be able to open an online account so I can check on the balance and make sure my money is being applied to my account.
I talked with personal loan rep at Frost Bank and completed application by phone. I have excellent credit and they called back claiming they were unable to open my XXXX XXXX file. I contacted XXXX XXXX and they claimed there was nothing wrong with my account and no freeze was placed on. I called Frost Bank back and they have not provide reason for denying my loan request. I requested to speak manger but have not heard back from them and they have not given a reason for denial other then claiming they was unable to open XXXX XXXX.
When I signed up for this credit card I was told and reassured several times about certain " service protection plans '' I paid for monthly would cover me in the event of any accidents or unexpected short comings. Job-loss and unemployment protection was XXXX of them, I paid my bill monthly and kept it current. Then my employer unfortunately had to closed down and I was left unemployed. Still continuing to pay with what I had to give, I was under the impression by what the company representatives previously told me, that my protection plans I was paying for since day XXXX would kick in for me. I apparently was wrong, not only did they use misleading tactics to get me to pay for a service that was more money out of my pocket but it did absolutely NOTHING that they had previously told me that it would do, or cover! This is beyond unethical and morally corrupt as a major company to be misguiding its customers for profit like they did me. At the end of the day I could not afford to keep up and instead of taking care of the issue like the " service protection plan '' promised they sent me to several debt collectors until ultimately being sued for it, having to pay several other fees in addition to the debt.