WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX of Harmon Law debt collection stated in letter dated XXXX XXXX, 2016 that if within 30 days, I dispute the debt, submit debt validation, or request info on the debt, that by law he is obligated to cease collections. Harmon Law signed certified return receipt XXXX XXXX, 2016 and failed to respond to debt validation, QWR, Dispute of charges. Rather than answer by law per his own letter citing the law, XXXX XXXX has gone to Commonwealth of Massachusetts Division of Banks with unclean hands, decieving the court indicating he has complied with the law conducting all procedure prior to advancing foreclosure, has illegaly obtained signature from the XXXX, on the Soldiers Relief Act, which allowed him to serve " Order of Notice '' to advance his illegal foreclosure. It is imperative that his behavior be investigated and stopped. He obviously KNOWS the law, because he had it in his letter to me, which is how I based my comminications with a 30 day window. I wrote to him immediately and he signed for my QWR Dispute Debt Validation within 48 hours! This ilegal aggressive attempt to take my property without regard for my rights is directly violating federal debt collection practices. He must be stopped. Please assist me on this matter
I continue to receive email notification that a new loan has been financed by this company. When I replied via email to this company and asked when this loan was financed and that they provide me with the documents because I am a victim of identity theft, they bounced my email off at their customer service counter and will not reply. 
I am calling this company today to see if they need a voice to connect to the complaint and maybe they 'll be more responsive. 
Additionally, they have asked that I pay upon this loan beginning next month at the rate of {$210.00} and yet they will not provide me with the particulars of the loan.
Every Day Im At Work Security Financial From XXXX Texas Calls About XXXX Times A Day For XXXX Of My Co-Workers ...
Global Credit And Collection Corp has been calling us daily sometimes XXXX a day for over a month now. When I answer it is a recorded message telling us they want us to call them about debt. We do n't owe any debt in collection? How do I make the calls stop?
On my Equifax report, there are multiple hard inquiries that I do not recall applying for. 4 to be exact. it goes in this order : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ( this one is also on my XXXX report ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( I 'm not sure what XXXX is ) XXXX XXXX, XXXX I have always been approved for the cards that I apply for. 
I have also had a cell phone financed through XXXX for over a year now, so I do n't know how that ended up on there. 
and XXXX XXXX, I have never heard of this company before.
To Whom It May Concern : This is the third time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 

My name is XXXX XXXX XXXX S.S. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT EMPLOYMENT INFORMATION IS : RESIDENTAIL APPRAISAL My current phone number is : XXXX XXXX The following phone numbers are not wrong please delete : ( 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 Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX HAVE RESIDED HERE FOR 3 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE this address IMMEDIATELY : XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX
I had repairs completed on a vehicle and was approved for financing through XXXX XXXX. I was told that the initial payment of {$40.00} was due at the time of signing, which was paid. The agreement signed for their company also indicates that this {$40.00} as in initial payment. However, the payment amount of {$40.00} was not deducted from the total amount due. When contacted, the company states this was an application fee. However, there is no documentation or notification that this was an application fee that would not be a payment deducted from the amount due. The company refuses to deduct this {$40.00} from the total amount due. On review of their website under FAQ, question XXXX asks about an application fee and the company response is " At the time of application, a small hold ... will be placed on your debit card. This will process as your initial payment at the time of signing. If you choose not to proceed, this hold will be released. '' No indication of any application fee.
I want Equifax, Experian and XXXX XXXX to add my employer/employment information to my credit report. I want the following employer/employment added to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CO XXXX, XXXX, Position : XXXX   XXXX XXXX ( XXXX XXXX Salary : {$300000.00}
I purchased a water softener for my home through Castle Credit Corporation and water softener was installed. 
I was charge {$4200.00} for the water softener in which it was a basic water softener. 
I was n't aware of the charges and l am on XXXX XXXX XXXX and Retired. 
I am on Prescribed Medications and a Military Veteran. 
The water softener was installed at my home at XXXX XXXX XXXX XXXX XXXX, Texas.XXXX. 
I am paying {$78.00} a month with high interest and finance charges of $ XXXXXXXXWater softener was installed around XXXX or XXXX 2015.l purchase my home on a VA loan and closed escrow on XXXX,2015. 
My account number # XXXX is not listed on my credit report with XXXX XXXX XXXX. 
Castle Credit Corporation contact number XXXX and fax XXXXXXXXPlease implement this complain in another category of credit.not Mortgage
We have been trying to work with Wells Fargo Home Loans for a few years to get a Loan Modification. We have submitted many documents and were represented by an attorney at one point. We recently received numerous phone calls from a real  estate XXXX XXXX XXXX stating that they represent the new owner. 
We never received any notice of a foreclosure sale concerning our home. 
We were under the impression that XXXX XXXX XXXX was submitting documents for a loan modification on our behalf. 
We do not know to do in a situation like this. We are being harassed by two real estate agents.
I have made 4 to 5 attempts to Obtain my Consumer Credit & Insurance profile for free from Lexis Nexis Consumer Reports under FACT ACT Disclosure following all procedures as detailed on Lexis Nexis website ; dob ( XX/XX/XXXX ) I have attempted via US Postal Service w proof of identity a mailed request to Lexis Nexis ; yet Lexis Nexis refuses to properly verify my id I have several consumer accounts and the XXXX other bureaus have mananged to verify my id, I am a victim of ID theft and even the IRS was able to verify my id ; why Lexis Nexis refuses to help or disclose my report I do no know as I have acted with integrity in matter pertaining to my request for my Consumer Report DOB XX/XX/XXXX
XXXX XXXX is the credit card for hundreds of retailers, and I have two active cards with them that are in good standing and are account I have had for a long time in good standing. I realized I missed my {$27.00} payment to XXXX XXXX XXXX  due on the XXXX or XX/XX/XXXX, and I proactively called into the XXXX number to let them know I would pay it on XX/XX/XXXX. So less than two weeks late. The girl told me there would still be a late fee, and I know that is the case. I called in around the XXXX or XX/XX/XXXX. Starting on XX/XX/XXXX up until now as I am writing, I have received THREE calls per day from XXXX XXXX, mostly all different phone numbers, but all saying XXXX. Maybe they are call centers all over with all different numbers. I am not answering the calls because they are calling about the {$27.00}, but I already called in proactively and set up a payment with them. They called on Sunday and on XXXX XXXX, too. I am thinking this is very very excessive.
My mortgage lender has misposted several of my mortgage payments over the past six months, crediting the payment to escrow instead of to principal and interest. I have contacted them at least 5 times to correct the error, yet they still show me as being in arrears in my payments despite assurances by their customer services personnel that the misposting will be corrected. Now they have reported me delinquent to the credit bureaus and my credit rating has dropped by XXXX points or more.
XXXX  XXXX XXXX card opened on XX/XX/2015 is with a credit of XXXX keeps showing up on my transunion in my age of credit. Transunion said they would remove it as it so it does not show up in my age of credit. This card is currently still showing up in my age of credit. 

I was told that this would be removed from my age of credit as soon as possible.
This company, ABILITY RECOVERY SERVICES , LLC was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report. Ultimately resulting in Defamation of Character.
I applied for a mortgage loan through Bank of America for the purchase of a home. I was approved and the rate was locked. In order to close the escrow, I had to liquidate large amount of investment in a brokerage account. One day before the settlement date, I was instructed to wire the funds to the escrow company and the arrangement was being made to proceed. Then the bank informed me that the loan is not being approved because they determined that I had a second home and I would have to pay a higher rate. I had a second home but it was going to be converted into an investment property and the newly purchased home would become a second home. However, this was all known by the bank from the beginning of the process as everything was disclosed on the application. As a result, I could n't proceed with the purchase and suffered a significant damage.
XXXX XXXX XXXX claims I owe more than {$150.00} for a router I had returned. ( XXXX XXXX XXXX XXXX XXXX acct. # XXXX final bill shows I am due a small credit ). Also erroneous reporting to credit bureaus has negatively impacted my credit scores and XXXX XXXX XXXX has turned the account over to collection agencies. 
Establishing a XXXX account with XXXX XXXX XXXX was for internet services from XX/XX/XXXX XXXX XX/XX/XXXX, and the contract was for {$44.00} per month discounted as I had previously purchased a XXXX router. Shortly afterward the router failed while under warranty and it was replaced. I sent the defective unit to XXXX XXXX XXXX per their directions and it was received by XXXX XXXX XXXX on XX/XX/XXXX. During the following months calling the XXXX XXXX XXXX XXXX department ( from XX/XX/XXXX XXXX XX/XX/XXXX ), they had to make an adjustment of {$7.00} overcharge from {$52.00} to {$44.00} each month as I was not renting a router. In spite of talking to their rep and providing the UPS tracking number, at the end of the contract period XXXX XXXX XXXX still claims I owe {$150.00} for a router I had already returned. Attached are confirmations of the equipment sent and acknowledgment from XXXX XXXX XXXX of receiving the equipment. However, due to XXXX XXXX XXXX actions the major credit bureaus have lowered my credit score and XXXX XXXX XXXX has forwarded the erroneous information to collection agencies.
This company has called numerous times asking for another person, I explain that person doe not live here and never heard of the person. They say they are taking my number off their call list but a couple of weeks go by and they call again same story different day. I do n't know this person nor have I any information on this person STOP CALLING ME
On XXXX/XXXX/16, I opened an account with Remitly in order to send {$200.00} dollars to a relative in XXXX. I choose 3 days for it to process which allegedly equaled to the company not charging for the service. A day later I received a mail that transaction XXXX XXXX XXXX XXXX was cancelled due to security reasons, a catchall phrase that entails providing additional bank or payroll information as other remittance companies have requested for me. Instead this Remitly company cancels the transaction and customer service is unable to disclose the reasons as to why not only the transaction was cancelled but my account with them closed, too. This was the vague explanation given by phone customer service representative and confirmed in an email in response to my query about the opaque ways in which this company is operating, see email below. It might appear that this company is quick to collect client 's sensible data, such as birth date, bank account information, but then invokes security reasons, which they are unable to explain for turning clients away, which raises questions as to the use of such sensible information provided to Remitly in good faith by customers in need of sending money to relatives. 
I write this because since this is a company that markets itself widely among the XXXX community, I am thinking that they are doing the same to nonXXXX speakers unable to report Remitly for their questionable practices clothed in security, anti-fraud laws, which could be easily explained to clients and could be fulfilled by gathering more information from them in order to carry out the service they promise to deliver. 
Thus, I am worried about the information Remitley collected from me, how are they going to use it since they closed my account, why are they so secretive about telling people right out about the reasons they take such unilateral decisions if remittance senders are all well aware that they need to provide sensible personal and financial information in order to support their families XXXX and trust such remittance companies, which in turn declared themselves unable to explain the reasons or laws they are basing themselves on to cancelled transaction and refuse the services they offer to clients. 
-- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX XXXXXXXXXXXX Today at XXXX XXXX XXXX Dear XXXX XXXX, Thanks for your email. 

We apologize for any inconvenience you 've encountered with this transaction. We have a robust and industry leading fraud detection system that helps safeguard our customers ' personal information. Unfortunately, we are unable to provide you with a specific reason as to why the transaction has been declined and we regret to inform you that your account was suspended for security reasons. We apologize, but we are unable to disclose the specific reason for this decision. This is due to our need to protect the integrity of our system. 

If you have further questions, please feel free to reply to this email or call us at XXXX XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX Customer Care XXXX XXXX XXXX XXXX XXXXXXXXXXXX | www.remitly.com
Two months ago I called the Savit Collection Agency asking for my husband account because he has a debt for {$2700.00} with this agency, this is a medical bill. I was calling to see if there was a way to pay less this debt. First of all a lady asked for my name and the relationship with this person. I told them my name and also that I was his wife. So after a month I was checking my credit report and I found out that my husband 's debt also appears in my credit report. I called them back and asked why they report his debt on my credit report. They said in New Jersey is legal to put a debt on both spouse, but my husband has this debt for almost two years ago and never appeared on my credit report, this happened after I made the call and they asked for my name and relationship. Now my credit score went down a lot because of this.
I was billed for my monthly payment of {$13.00} on XX/XX/XXXX ( a payment plan pmt. ) however, a payment {$100.00} payment was made on XX/XX/XXXX. The payment hit my checking account and was returned unpaid. I now have a {$30.00} NSF charge and you will probably charge me a NSF returned check fee of about $ 30ish ), with a possible negative reporting. 

Secondly, I have a negative credit reporting from XXXX for XX/XX/XXXX/XX/XX/XXXX payments which were e-checked from my checking account ( paid!!! ). I have been disputing that for the last six months ( even with the CFPB two months ago ), and that 's not fixed! This is a nightmare on my account. 

Today ( XX/XX/XXXX ) I have called XXXX XXXX XXXX at XXXX to close the account. I also called their lost/stolen line at their phone number, XXXX, which is a 24 hour 7 days/week line, due to suspected abuse, and all I get is, " THE CORPORATE OFFICES ( OR ) GUEST SERVICES ARE CLOSED. '' I called starting @ XXXX up to XXXX ( PDT ) ). What do I need to do to get all this corrected? SUE XXXX IN A CLASS-ACTION SUIT!!!
I received a 30 and 60 day late notice on my credit that was reported by XXXX. I disputed with XXXX and Transunion but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... two years since I requested it to be closed. XXXX is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that XXXX could have provided a coutesy removal of late notices but did not contact them in time ... XXXX is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX but XXXX XXXX was unwilling to proect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.
Between XX/XX/XXXX and XX/XX/XXXX I received multiple notifications about deletions, additions or changes in my credit report. I have disputed the validity of the alleged debt and account with this collection agency and still feel as though my consumer rights are violated. In Case # : XXXX the company responded dated XX/XX/XXXX they would cease and desist further actions. As stated above I received notification that changes to my XXXX and XXXX credit reports had been made. The changes were that the account was closed and removed from the XXXX report. As for the XXXX report heres where the problem is. The account was removed from the report, however it was reinserted without 5 day written notice as required the FCRA.
I have asked Equifax and XXXX XXXX XXXX and XXXX XXXX to send me information on this XXXX XXXX. This is supposedly the Dr I owe money to. I have never seen this Dr and they refuse to sent me information on this debt. I ask them how they can ] ] place something on someone credit and not have to verify the debt. The XXXX XXXX said they sent this back to the Dr as uncollectable and this XXXX XXXX too it over. Then they wont remove this from my credit. I want someone to send me proof of this debt and Equifax refusing to send me proof of this debt. Equifax has people that use a script and do not really answer any questions
On XX/XX/XXXX I signed a digital contract with XXXX XXXX XXXX to pay them a specified amount ( $ XXXX/ month ) for a total financed amount of {$1300.00} over the course of 3 years for services rendered by The Student Loan Relief Department for student loan debt reconsolidation. After calling multiple numbers provided for different departments and emailing different individuals from The Student Loan Relief Department since XX/XX/XXXX I have not been able to reach anyone. Student Loan Relief Department : XXXX XXXX, Enrollment Advisor, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, Quality Assurance Manager, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, Client Services, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, Enrollment Account Specialist, ( XXXX ) XXXX, XXXXXXXXXXXX One of the numbers that I was provided for The Student Loan Relief Department has since been changed to that of a department store. When I call the number on their website it will ring and then the call is ended. In XX/XX/XXXX I was alerted by my credit monitoring agency that my credit score had dropped a significant amount because I was not notified that my required repayment period had begun 90 days prior and I was never notified via telephone, e-mail or US mail, despite efforts to contact these companies prior to my credit score dropping. I contacted my original loan servicer, XXXX XXXX XXXX, at which time they notified me that Student Loan Relief Department changed all of my passwords and usernames for my profile which prevented me from accessing my account to get my repayment information for my loan. I was also granted a temporary forbearance because of above situation. I did not give them permission to access, nor changed my account with my original loan servicer, XXXX XXXX XXXX. I was finally able to get into contact with XXXX XXXX ( XXXX ) at Student Advisors ( I believe this is a company that The Student Loan Relief Department is affiliated with or they also conduct business under this name ) on XX/XX/XXXX. I requested that my account be cancelled because the promised services were not rendered ( student loan debt consolidation & public service loan forgiveness document preparation ). At this time I was told that a manager would contact me. On XX/XX/XXXX I called XXXX XXXX direct line and I have not been able to contact him since. To date, I have paid The Student Loan Relief Departments financing company, XXXX XXXX XXXX {$190.00} for services that they are not providing. I have since removed my bank account information from XXXX XXXX website so that they can not debit any money. I know that this will eventually end in my credit score being affected yet again because of missed payments. I have not been provided with the documents that The Student Loan Relief Department provided to the Department of Education on my behalf so it is not included below.