WillisBack/dataset-financial-user-claim huggingface dataset:
I moved out of house and more then a year later sent XXXX sent bill closing for {$110.00}. In fact, the new owner should 've been billed but nevertheless it 's a small amount. Unfortunately it was too late to be forwarded and I never received it. When I checked credit report it showed. I contacted customer service and paid invoice and still on credit report.
This complaint is against Wells Fargo Bank , NA, XXXX ( corporate capacity and/or trustee capacity - of an unidentified trust ), XXXX and XXXX. 
Documents recorded with false information, fictitious entities and incorrect information. No evidentiary support given. These documents were created specifically to foreclose and do not represent any valid underlying financial transaction. More information is attached in the exhibits, which include the body of the complaint and the recorded documents.
THIS AMT OWED {$8800.00} WAS TO BE PAID UNDER XXXX INSURANCE, WHICH I PURCHASED AND WAS PAYING FOR, AT THE TIME I REQUESTED THE LOAN. IN XXXX XXXX, I WENT OUT ON PERMANENT XXXX AND HAVE BEEN RECEIVING BENEFITS FROM SOCIAL SECURITY SINCE FIRST PART OF XXXX. THE LOAN COMPANY WAS NOTIFIED OF MY XXXX AND THEY WERE SUPPOSED TO SUBMIT A CLAIM FOR THEIR MONIES.
I was robbed and assaulted in XX/XX/XXXX and bank of america has not returned the fraud money of {$830.00} XXXX after the police have caught the suspect and investigation has been filed they have constantly lost paperwork and been =grossly incompantant. Theh have never contacted the detective or the district attorney who's numbers were provided in XX/XX/XXXX they never checked the cameras and have constantly made excuses.
I am victim of identity theft. An unknown person has been using my information to obtain credit. I notified Experian of this, as well as the furnisher of information, XXXX XXXX. I obtained an identity theft report from the XXXX XXXX Police Department as Experian instructed me to do. I sent a copy of this report to Experian as well as XXXX XXXX. The account was removed from my credit report in XXXX XXXX, then it was added back to my credit report in XXXX XXXX. I was never notified by the credit bureaus of the reinsertion as required under the FCRA. I have disputed this fraudulent account numerous times since then and Experian is claiming to verify the account. I am not liable for this account because I did n't apply for it and it is a result of identity theft. Experian is violating FCRA 605 B and I am considering court action.
No written notice ever received from Diversified Consultants, only discovered this was placed on my credit report by credit monitoring agency. They never sent me any correspondence so that I could dispute this claim.
I have already made payment arrangements, i still got calls from XXXX different agent telling that i only need to talk to them when i call back to make payment. They have call me and text me before XXXX. Everyday after making my arrangements
Paypal opened a credit card account without my knowledge on XXXX. I do not even have an account with PayPal. Someone charged {$1000.00} to this credit card account. I knew nothing about the account until I received a letter from a collections company ( XXXX XXXX XXXX XXXX of XXXX, IL ). I called XXXX XXXX XXXX and reported the account as fraudulent. XXXX returned the account to PayPal and XXXX Bank. I contacted XXXX Bank through their web site to report the fraudulent account and was referred to PayPal. I will contact PayPal once their call center opens to report the account as fraudulent.
I received a written attempt to collect a debt from XXXX XXXX  XXXX, TX on XX/XX/XXXX, dated XX/XX/2018. I spoke with the purported creditor, who confirmed that my account is current and in good standing and has not been delinquent, and furthermore, that they do not work with the company who contacted me to collect the purported debt. I called and spoke with a representative of the collector and their supervisor who would not provide any detail as to why this debt was owed, nor a professional license number.
The credit collection agency Credit Control LLC representing JH Portfolio has violated the FCRA by not providing documents to me in regards to this debt. Until   XXXX   XXXX   I was unaware of this creditor and upon finding out requested documentation through   XXXX   XXXX   XXXX   dispute. Upon not receiving the information requested, I contacted the  JH  Portfolio directly through the   XXXX   XXXX   XXXX   ( BBB ) complaint ID #  XXXX  on   XXXX   XXXX   XXXX   to remove this debt based on not being given the opportunity to dispute the debt in question.  JH Portfolio res ponded to my complaint on   XXXX   XXXX   XXXX   that they sent a letter to a previous address through Credit Control LLC since they are a passive debt collector and collect through external collection agencies. They attached a PDF of a letter supposedly sent on   XXXX   XXXX   XXXX    , however, I was unable to open the PDF.     Since they stated in their response to my complaint that Credit Control LLC is the collection agency responible for my account, I contacted Credit Control LLC on   XXXX   XXXX   XXXX    . I was told that Credit Control LLC is a third party collector for  XXXX   Portfolio therefore they d o not have any documentation. As such, this account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If Credit Control LLC does not have any documentation other than the PDF JH Portfolio provided to the   XXXX    ( i.e. signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Around XXXX XXXX, 2016, I went into a XXXX dealership to purchase a vehicle. In order to purchase the vehicle, I decided to go with the dealership for my financing. The dealership ran my information through several financial institutions and they informed me that XXXX XXXX provided the best overall rate for financing. Therefore, I decided to go with XXXX XXXX for financing in order to purchase my vehicle. On XXXX XXXX, 2016, I received a letter from JPMorgan Chase Bank , N.A . indicating that my application for vehicle financing with JPMorgan Chase Bank , N.A . was not approved because they do not offer financing to examiners/auditors that may review Chase. After talking XXXX XXXX, who is an examiner at the CFPB, she informed me that I should go forward with my complaint to the agency as Chase appears to be discriminating since I currently work for the U.S. Government at the U.S Securities and Exchange Commission ( " SEC '' ). For one, the SEC does not regulate banks. Additionally, I currently have XXXX bank accounts with Chase and an outstanding credit card balance with them, which I always pay on time. Finally, Chase could be discriminating against other U.S. Government workers such as myself. Therefore, I decided to file this complaint as I am not sure if I could have received a better rate financing through Chase and based on their discriminatory practice.
I do not have a signed contract nor any contract with Enhanced Recovery Corporation. I have never done business with this company. I am not liable for collection from this debt from  XXXX   XXXX   XXXX . I am not responsible for this debt with Enhanced Recovery Corporation. I called and spoke to a very rude representative and I requested to speak to a manager. I informed them that I do not owe this debt and asked for removal from all of my credit reports immediately. I was told that they would send me a fraud packet and I would need to send that back before they remove this unauthorized, unverified account that has no validation.   They are reporting this account opening as  XXXX   XXXX ,   XXXX  . I was not aware of this attempt to collect a debt before now, I have not received any notifications from them. They had an address that does not and has never belonged to me in their database. I informed  Enhanced Recovery Corp.
I setup automatic payments with my mortgage company. These payments are setup to be withdrawn bi-weekly, resulting in 26 half payments, or 13 full payments, to be made each year. This is super convenient and I am satisfied with that. I am however concerned with the application of payments. Penny Mac withdraws these half payments themselves as I was told, during the setup process, that if I were to setup recurring bill pay payments through my bank, that when received they would likely be curtailed and this would require me to call EVERY month to have the funds reallocated. That sounded very inconvenient so I opted for their bi-weekly program. Although I find the process dated and silly at the dated technology abilities, I am overall somewhat satisfied. I do however have XXXX, in my opinion, very serious issue. The fact that they withdraw funds, like they did today, then hold the money for two weeks before there 's a benefit to the consumer seems a bit unfair, and frankly ridiculous. Questions ... where is the money sitting? in a bank account, accruing interest for the mortgage company? why do n't i see a benefit to that? why is n't the money applied to the account then? interest accrual, if i 'm not mistaken, it is based on the principal balance, is it not? so should n't the end result be seeing less interest paid over the life of the loan? unless it is not applied until 2 weeks after the company receives it ... I 'd like to better understand this and when I brought it up to their representative they told me there was nothing to worry about and that I did n't understand but offered XXXX explanation to remedy it.
I graduated in   XXXX   and promptly consolidated all of my student debt into an income-based repayment plan. My original consolidation loan with the Dept. of Education was sold to Great Lakes. For the past six years, Great Lake has refused to recognize that I have a consolidation loan. They say that " We have put you into a standard repayment plan. '' and then want me to sign up for a NEW consolidation loan. If I do that, the terms of my existing loan will be negated, which I do not want to give up. Great Lakes says they do n't have a copy of my original promissory note, which I do have a copy of and have sent them. They STILL refuse to accept my existing consolidation loan. My original student debt was {$60000.00}. In 7 years they have added so many penalties and interest that today (  XXXX   XXXX  ) I owe more than {$80000.00}. I will never be able to pay this off. They list my loans as defaulted, which mean I will never be able to buy a house, get a credit card, or improve my credit rating. This has RUINED me financially. I have attempted many times to talk to Great Lakes and sent them copies of my promissory note, but they refuse to abide by the terms of my consolidation contract. I tried the federal student loan ombudsman, but that was as a complete waste of time. I have lost any hope of ever repaying this or getting help to resolve the dispute. Great Lakes simply refuses to acknowledge that I have a LEGAL, BINDING, EXISTING consolidation loan and only wants me to sign up for a new, higher-interest loan with them. I 've given up and just accept the fact that I am financially ruined for life .
XXXX XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name XXXX XXXX.
XXXX is reporting a XXXX mortgage on my credit. That is not mine. They are trying to validate an outdated loan that is NOT mine as a charge off. Equifax continues to report this account on my credit yet they refuse to show any proof or validation. The have Not corresponded with me at all
Since XX/XX/2018 - Present this company claims to be National Bank of Omaha calls from phone # XXXX repeatedly starting at XXXX hangs up calls each minute after back to back 3x a day and they do this every single day even though theyre blocked they keep harassing.
On XX/XX/2016, I spoke to XXXX in the Late Stage Collections Dept. at Key Bank. I brought up the five following topics for discussion. He told me that his supervisor, XXXX, had the authority to address these topics and that she would call me " tomorrow, '' XX/XX/2016. The five subjects were : 1 ) Participation in the NYS Attorney General 's mediation program before the filing of a foreclosure action ; 2 ) my request for a stay of any legal action and forbearance of any legal process for some time for a stay of any legal action and forbearance of any legal process for some time, because 2 3/4 months had been " lost '' because of XXXX, Division Manager of Consumer Collections XXXX misrepresentation regarding the applicability of HAMP, and I had just received a loan modification application from XXXX on XX/XX/2016, and I needed to complete two tax returns as part of this application and would be without a car until at least XX/XX/2016 and would need some time to complete these tax returns and the application ; 3 ) sale of the loan to XXXX or XXXX to take advantage of loan modification and extension programs similar to HAMP and UP, since these programs expire on XX/XX/2016 ; 4 ) stay of the notice of acceleration letter ; 5 ) how we should handle adjustments to the loan account for counterclaims against Key Bank. 
I did not receive a phone call from XXXX on XX/XX/2016, as I had been promised by XXXX. I called on XX/XX/2016 and requested to speak to XXXX. I was told XXXX was unavailable to speak. I left a phone message for her to call me and, if I was not by the phone, to leave a message with the best time - or even better - a specific time I can reach her and I will call her at the time she specifies. I did not receive a phone call on XX/XX/2016 and have yet to receive a phone call from XXXX. The Wall Street Reform and Consumer Protection Act requires responsive communication from Key Bank. I will be sending a copy of this complaint to Key Bank Chairwoman and CEO XXXX and XXXX, Division Manager of Consumer Collections XXXX.
They called my family member saying they located me by location services what ever that means. I called and asked them to only send correspondents through the mail and to stop harrasing my family.
I was initially contacted by XXXX XXXX of FBCS about one week ago. He identified himself as a debt collector on a private student loan ( bar exam debt ) that I believe I settled/discharged with a different collection agency several years ago. This was the first time I'd heard anything about that loan in years. Nonetheless, I was very cordial with him and requested something in writing documenting the amount FBCS asserts is still owed. I provided an updated address. I have yet to receive any written communications, yet I have received daily calls from Mr. XXXX. 

I was notified by my mother, who lives in Ohio, that she received a call from Mr. XXXX today. As there was no reason to contact a family member under the regulations, I believe he was in clear violation of applicable law. My location was given and known by Mr. XXXX, there is no court proceeding and in fact could not be at this time pursuant to statute of limitations, and I certainly did not agree in writing or otherwise. 

It is my belief that FBCS is engaged in unethical and unlawful debt collection practices. I'd like to notify this agency in hopes that it will protect other consumers.
I have a fraud alert placed on my credit file, that indicates anyone who runs my credit needs to call me and verify and that was not done that violates my right as a consumer I have reached out to the credit bureaus about this matter on more than one occasion to advise about my credit being pulled without my permission and nothing has been done.
Dear Sir/Madam The following companies bellow, have respectively put a collection notice for two different amounts on XXXX XXXX dated the XX/XX/2019 Claiming I owe this debt that I have no recollection, nor any business transaction with said companies. If this was an old dept that was from years ago, I would like to know why now? why does it show up on my credit report a week ago without any notice. I am in the process of buying a house and now my credit is damaged, down by 27 points due to this unexpected reporting. These two companies have to show proof of contract with my signature, that prove I have any direct transaction with them respectively. I never received any communications with them via mail nor have I received any phone calls discussing any old dept. To your knowledge there has never been any correspondence from original creditor nor these collection agencies, that show in writing any amounts due. This is the first time I see these collections that showed up in my records last week. I need these two companies out of my record as they have in my opinion broke some state laws or statutes. 

Her are the two companies in question. 
Creditor Information *Creditor Information CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Collection amount {$1200.00} *Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Collection amount {$580.00}
On XX/XX/18, I received my regular email stating that I have a installment payment coming up on XX/XX/18. I asked the Representative for a payout balance and was told that the amount was XXXX. I have been making my payments of XXXX since XX/XX/18, which is over {$1100.00}, that has already been paid on my loan borrowed amount of XXXX. This means that I have not paid but {$8.00} on my principle and the remains of the {$160.00} was applied to the interest. The installment plan is for 14 months at {$160.00} bi-weekly. I will have paid over {$3000.00} on {$700.00}. This should be consider illegal. This company is using illegal tactics and practices by making it hard for the consumers to payout there loans out. I would like to see this company brought under investigation for unethical practices. The customer service representative told me that there call center is located in XXXX XXXX and there office is in South Dakota. So I was speaking to someone outside of this country. The FTC has a law enforcement warning for companies contemplating similar tactics. Its always bad business to engage in deceptive and unfair practices. I have been receiving advertisements in the mail from this company. I needed help at the time and I thought this was a reputable company. This company should be penalized and stop for unauthorized hidden fees. Consumers should have rights against these scam companies. ( XXXX XXXX ). 

Thank you for allowing my voice to be heard. 
Consumer
I have been using the PNC Bank mobile app to deposit funds into my account for years. Now PNC has updated their mobile app. and the requirements to use the app are an incredible invasion of my privacy. 

If I do n't agree to their requirements, I am not allowed access to my accounts on my mobile phone. 

When I inquired in the bank about this horrendous invasion of my privacy, I was told, " Well, just do n't us the app. '' That response is unacceptable. 

The requirements are wholly unreasonable. 

Here is what I get when I open the app : " 1. Optional Allow PNC Mobile to access this devices location.
2. Required Allow PNC to Make and Manage Phone Calls. This permission allows PNC to use unique phone information like your SIM ID and phone number to help protect you.
3. Required Allow PNC Mobile to access photos, media and files on your device. This permission allows PNC to assess you device for vulnerabilities against unauthorized account access to help protect you.
For security reasons, your access to the app will be blocked if you do not accept the required permission requests. '' I have talked to other people who bank elsewhere and the same requirements are being applied to their bank 's mobile app. 

Banks have no right to make phone calls on my phone or to manage my phone calls. They also have no right to access my photos, media, or files on my phone without express specific permission. 

Not even the police or FBI have a right to do these things without a warrant. 

What can I do about this? What can you do about this?
I have a loan being serviced by Great Lakes that has been sent to collections. I have been unable to afford any payment options they have offered. They have put me on a rehabilitation plan where I pay {$5.00} a month to get out of default. However, they sent me a letter that states I can only get out of default if I sign a letter agreeing to allow them to charge me a 20 % fee ( of the total balance ). My loan is over $ 100XXXX so this fee would be over $ 20XXXX. I explained to them that this would put me in much worse shape than even before. I feel this is unethical and not in the best interest of their consumers. They are simply making the debt so large it becomes impossible to pay. They are using a collection agency XXXX The contact I have spoken with is very rude and and told me I have no rights to negotiate while my loan is in default. Your help is looking into this unethical practice would be greatly appreciated. Thank you!
I submitted a dispute to both XXXX and Experian online after receiving notification of an inaccurate collection via the XXXX credit monitoring service I subscribe to. After carefully following the online process and uploading HSA statements showing payment to the healthcare provider that the third party collection agency was purporting to represent, Experian informed me that they were not able to handle my case via the online service, that that I would have to send in my dispute via post. XXXX appear to accept my online dispute. However, upon using their " check status '' functionality to confirm that my online dispute was being processed, I received a screen in forming me that " The information [ I ] provided does not match [ XXXX ] records so [ they ] are unable to process your request online. '' I receive the same message when I try to resubmit my online dispute. 

I feel that the credit bureaus -- XXXX and Experian -- are making it unduly hard for me to challenge inaccurate reporting by the collection agency. I pay for credit monitoring to help make it easier for me to monitor and protect my credit rating. However, it seems as if Experian and XXXX want to obstruct or discourage consumers from submitting disputes that they would then need to research, in the hopes that they will get frustrated and give up. This practice is not fair. It should not be more expedient for third-party collection agencies and creditors to post inaccurate information to my credit report that has real and damaging impact on my personal finances, than it is for me as a consumer to challenge inaccurate or dubious reporting. The fact that they both waited until after I filled out the online forms and uploaded my supporting documentation before informing me that I would not be able to submit an online dispute is especially frustrating. What criteria are Experian and XXXX using to determine who is eligible to submit online disputes, and who is not? Should n't all consumers have the right to dispute inaccurate information on their credit reports through a means that does not unduly burden them? Should that means be the same for all consumers?
a credit report was submitted into XXXX that was not mine ( if there is a social security number that comes along with that report then they should have verified it to see if it was mine ) on XXXX/XXXX/2012 from XXXX XXXX XXXX XXXX in XXXX. under the original Creditor : XXXX XXXX XXXX, Account number XXXX. I checked with the Collection Agency and I was told that it had a different SSN under the same name. The supervisor told me he would clear that up three weeks ago, but I did not see any change in my report.