WillisBack/dataset-financial-user-claim huggingface dataset:
Diversied Consultants has been in accurately and unfairly reporting an account which they claim I owe {$410.00} since XX/XX/XXXX. I attempted to resolve this matter by sending a letter via certied mail USPS ( XXXX ). The letter was received on XX/XX/XXXX, I requested validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Diversied Consultants failed to provide validation. In their response they provided an itemized document ( bill print out ). As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verication. Due to their Negligent Willfulness of Identity Fraud and  Diversied Consultants dismissive response, my next course of action will be legal. 

Not only are there numerous errors in Diversified Consultants reporting, conflicts of vital information exist in each of my individual credit reports. 

Laws I can potentially le suit for : 1 ) FCRA Section 623 2 ) US Court of Appeals, XXXX Circuit, No.XXXX, XXXX vs. XXXX XXXX 3 ) FCRA Section 605 ( c ) 4 ) FDCPA Section 809 ( b ) FTC  opinion letter Cass from XXXX 5 ) Metro 2 Compliance FCRA rules allow for up to {$1000.00} per violation. First Communities will also be liable for any court fees.
My mother passed away XX/XX/2014. Her checking account had been in both our names so that if she became XXXX, I could continue paying her bills. That is what happened in the last five years of her life. When she died, I left several hundred dollars in the account to cover any debts that I was not aware of. After a year 's time, I attempted to drawn-down the account only to be told that bank fees had XXXX-out the account. During that time, the bank had no communication with me other than to verify my mother 's death. I believe that at some point there should have been notification from the bank that the account was not showing any activity and the balance was being used up by fees. They say I should have received information at the time of becoming a co-signer regarding bank practices and fees. That had not happened and neither did my mother share any such information she had received.
I turned my XXXX XXXX XXXX into XXXX of XXXX on XXXX XXXX, 2016 in order to lease a new 2016 XXXX XXXX. The car that was turned in was in " as-new '' condition. 
The dealership inspected the car, then agreed to take the XXXX XXXX with the agreement that they would pay all remaining charges on the Lease, in order to get me into the new car. That included paying off remaining  payments and excess miles charges. I was never told how they would dispose of the car, but assumed they would sell it on their lot as a used vehicle. 
Eight months later I received a bill from Toyota Financial for excess  miles, damage to the car, and a bill for the remaining lease payments.
I have corresponded with Toyota Financial four times, as well as spoken to them on the phone, to clear this up but to no avail. They claim that the dealership never paid the excess miles, the remaining lease payments, and they turned in a damaged vehicle to them. They also claim they are unable to contact the dealership Since my dealings were only with employees of XXXX of XXXX, I contacted them to try to straighten this out at least three times in writing, and over the phone at least twice. 
No one in the Toyota Organization at any level has done anything to attempt to resolve this. This is a fraudulent attempt to extort money from me that is not owed.
In XX/XX/2018, I retrieved a copy of my credit report and noticed that AFNI had placed an entry on my report and did not provide me a dunning letter nor any notice regarding an alleged debt. To that end, I sent AFNI a letter dated XXXX.XXXX.18 whereby I disputed the validity of the alleged debt that they had placed on my credit reports. To date, I have not received any communication from them. I have never did any business with this company, never heard of this company and as previously mentioned, never received any correspondence from them. Being that I never received a letter from this company to dispute the validity of these erroneous accounts, these entries must be deleted from my credit report. Per FDCPA, AFNI as required to notify me of this debt prior to inserting it on my credit report and then allowed me 30 days to dispute the validity of such allegation. 

As such, AFNI should have provided me with an agreement that stated their authority to collect on this alleged debt, an agreement with the signature of the alleged debtor wherin he/she agreed to pay creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and and name and address of the bonding agent for collection agency in case legal actions become necessary. All requested document must be submitted to me in order for me to determine that the debt is indeed due payable to them. Should AFNI not be able to provide ALL documents, they will need to delete this erroneous, unverifiable entry from my report and send a letter communicating such. For AFNI to blatantly violate my consumer rights by placing this entry on my report  directly violates FDCPA.
I moved from my condo and disconnected my bundled tv through XXXX and XXXX and paid the bill off through XXXX & XXXX, however XXXX turned the amount I paid them to satisfy my bill into a debt collector. I 've contacted XXXX 8 times and they have where I satisfied the bill but have n't contacted the debt collector to take this charge off. I do not owe the {$340.00}.
I have a mortgage with DITECH. I came out of XXXX XXXX bankruptcy on XXXX XXXX, 2016 and DITECH was notified of such on XXXX XXXX, 2016. However DITECH still has my account under bankruptcy status preventing me from being able to refinance. I had my attorney send DITECH a letter requesting change in status but there was no response. DITECH refuses to communicate with me. I need the status updated.
my name is XXXX XXXX my social security number is XXXX my membership with XXXX XXXX XXXX is XXXX and my date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX i have XXXX XXXX in which i get a free credit score every month. my complaint is that theirs a system problem on my membership, when i see my credit score summary it keeps telling me that i have an account that 30 days late indicator but when i look at my credit report from experian or talk to a live rep in experian disputes department at consumer affairs department they tell me that theirs no negitive information on my credit report. i also address this to membership coustomer service several time along with experian consumer affairs department that their a problem with my XXXX XXXX membership number XXXX that every time i look at the summary of whats affecting my credit score it keeps giving me wrong information that i have an account thats past due. but when i look at my credit report it dosnet show any negitive account on file. also when other creditor putll my report through experian it also shows on their end that i have a past due account, then i have to have the creditor look at my creit report manully with out the score summary and they relized that they made a error and mannaully approve my appilcation, please take action against experian XXXX XXXX for damages, reason is that they havent fix the problem in their XXXX XXXX data base along with their core data base by removing that negitive indicator that show on my credit report in the XXXX XXXX  data base, im geting the run around with this XXXX XXXX XXXX  customer service tells me that experian disputes department consumer affair has to correct their data core main base that send the information to XXXX XXXX data base. but that not the case here, then when i call the other department at XXXX XXXX im going in circles here. this is affecting me when i appiled for credt, because when other companies pull my experian credit report it keeps telling them that i have negitive account, but i dont have any negitive account on file, and i should not have any at all. so please take action and have experian remove that negitive indicator thats showing in my score advantage summuray and XXXX XXXX summary too.
*Dates/Amount and the action taken by : XXXX and XXXX 2017 served papers by county sheriff at my residence/Of the estimated amounts of {$2000.00} and {$9000.00} : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX representing on/ trying to pursue a lawsuit on behalf of XXXX  XXXX XXXX XXXX XXXX . They are stating I own a debt and can not provide the proof that this debt belongs to me. I would like for state legislators to prohibit private student loan holders such as XXXX XXXX XXXX XXXX XXXX from obtaining judgments when they lack proof that they own the loans that are the subject of the lawsuit. This is very misleading and embarrassing. What I think would be satisfactory to this solution would be for this law firm and/or XXXX XXXX XXXX XXXX XXXX to either provide the original promissory note/or original documents/proof that this is my debt I owe and to stop further collection activity on me.
In XXXX XXXX, I had a business service agreement wthe an online company called " XXXX ''. For this service, I agreed tp pay {$59.00} a year which I paid the full amount using my American Express credit card. Shortly after I signed up for the service, I tried to reach XXXX several times in relation to the services they agreed to provide me. Each time I called the customer service line, I could n't go through. My problem was not addressed by the company at all. So, I cancilled the service. I did n't ask for a refund, but I absorb the lose. A year later, XXXX XXXX, XXXX, XXXX charged my American Express account {$59.00}. I disputed the charge stating happened and the credit card company ( American Express ) investigated the dispute and resolved the dispute crediting my account for the full amount. 

XXXX charged my American Express account for {$59.00} again. I filed a dispute stating the XXXX XXXX, XXXX email communication between the American Express and myself. They said they will investigat the dispute. On, XXXX XXXX, XXXX, the American Express resolved the dispute, credited my account for {$59.00}, and closed the case. 

Then, I saw the {$59.00} charge appeared on my account again. When I contacted them, they said that XXXX provided evidence showing the charge is legitimate and they paid the amount. The American Express does not have an answer why the charge is justifyed where there is no new agreement between XXXX and myself. The service agreement was cancilled three years ago, and the American Express credited my account for the same dispute and same amount a year ago.
I graduated from the XXXX XXXX XXXX University XX/XX/XXXX, with a Navient student loan that has accrued in interest while I was both in school full-time and looking for a job one year after graduation. I currently owe about $ XXXX, with payments becoming inconceivable after taking into account my necessary living expenses ( e.g. rent, utilities, food, medical bills ). 

I 've recently contacted the company to explain my situation in hopes of cutting my interest rate from a staggering 11 % to a lower rate and more affordable payments. It took me three days worth of phone calls to finally reach a representative by the name XXXX, who explained that there was a 'special program ' which I could sign up for if I switched to Auto-Pay, and my interest rate would be reduced to 7 % with payments of {$350.00} ( this is quite a difference from their projected {$550.00} loan payments that they were expecting me to pay them ). When she explained lowering my interest rate, I felt temporarily relieved, but my doubts began to resurface when she decisively finished the phone call with a last statement : " I will continue to contact you to ensure this program takes effect after three payments have been made through your account, but I can not guarantee its approval based on your application. '' This is also the same representative who, after receiving an e-mail specifying that I would be able to look into postponing payments due to economic hardship ( e.g. previously stated medical bills ), explained she was n't " sure who sent that e-mail and why it was sent to you ''. I find it highly distrustful that their e-mails and representatives are showing myself and other possible Navient clientele misleading information. ( I still have the e-mail in my logs as proof -- this e-mail is also the reason why I persisted in contacting the company about postponing payments. ) As of XXXX XXXX, XXXX, I 'm expecting written documentation to be sent to me via mail detailing the specifications I reviewed with XXXX over the phone. I also have a phone log, confirmation number and a clean credit history to back myself up in case there are any disputes over this new agreement, or an amount higher than {$350.00} shows up in my bank account. As of XXXX XXXX, XXXX ( my payment due date ), I 've checked my bank account periodically throughout the day, but no payment has shown up as of XXXX. I would have called the company today to verify a payment would be processed, but the phone line is not available on Saturdays. Nonetheless, I 'm still keeping periodical records for both personal and legal accountability. 

Due to the amount of horror stories and illegal activity I 've read about, my qualms with cooperating with this company have not ceased. If a 'missed payment ' shows up on my record and affects my credit score, I will be taking all necessary measures in order to disprove their allegations.
JP Morgan Chase failed on my loan refinancing and my loan modification. JP Morgan advised me to pay off my credit card and close it in order to refinance it. It took over 130 days to come up with a no decision. Workers left the company that were working on the refinancing. Proceeds from my loan refinancing and loan modification were to be used to pay off credit card and have extra money from refinancing.
XXXX keeps reporting an auto account that has been discharged in bankruptcy, which I have disputed more than once, among other accounts. Furthermore, my score has dropped XXXX points for no apparent reason and is inconsistent with the other XXXX major credit reporting agencies, XXXX and Experian, by about XXXX points. Also, they report things that are old enough to be removed at this point. I filed bankruptcy in XX/XX/XXXX and in XX/XX/XXXX my old debt was discharged. I have only two credit cards at present, both of which have consistently been pain on time. I would like XXXX credit reporting on my account to be investigated, because my they are seriously impacting my credit score in a negative way while I have been working diligently to repair it.
My mortgage was bought by NationStar/Mr Cooper. My payments were automatically deducted from my checking account with my previous lender and this migrated to the new lender. The problem is that each month the new vendor deducts the money from my checking account on the XXXX of the month but sends me a letter dated the XXXX which says that I have not paid, and suggests ways that I can pay, which cost more money. This comes across as a scam, they are just trying to get more money.
In XXXX 2015 my husband went on XXXX, the year before we had a modification, we were not prepared and 3 months went by when i called Suntrust they said we no longer offer repayment plans you have to pay it all. Well, we did not have all the arrears then since my husband was in XXXX. His process lasted until end XXXX and in XXXX they dismissed his case and went back to normal pay by then i had already submitted a workout package to Suntrust. They went ahead and recorded and XXXX and by XXXX NOT even do we were under review, telling we will postpone. Then mod gets denied and they tell me that we no longer aqualify for any workout because of our previous mod ( which was never explained that if we got that mod and there was a change of circumstance we will not qualify ) Everytime i call i get told we have a sale date but send a package for review, then i get told no you dont qualify, i feel there is dual tracking and nobody really knows what to tell us anymore. All i have been asking since last summer is for a repayment plan since we are back to normal and im making enough money to cover the payment and the arrears in a repayment plan i even offer them to add to back of the loan and do a balloon payment. our goal was never to loose home, in XXXX when we got the XXXX my wife lost her dad which put my family at more stress. We have worked with Suntrust and provided all the documents required 3 times already and honestly not sure why. I am a XXXX from XXXX XXXX with 20 years in and i have proposed several solutions to them to help and now the only solution is {$28000.00} or foreclosure, to my understanding CFPB is her to help and at this point i have no other than to ask for help. My family loves our home i did not get sick on purpose life happened and now i am trying to take my house out of foreclosure, when Suntrust can clearly see i can afford it and will repay them. We pay the home insurance on time all the time and keep up the house and take care of the home, we have {$7000.00} saved to start repaying all we need is a chance to get cought up. 
Thanks for your help XXXX
We sold our Arizona home and settled our outstanding loan balance. At the time the real estate taxes debited from our escrow account by LoanCare had not cleared with XXXX County ( {$1500.00} ) and so we had to pay the full amount at the time of settlement. We informed LoanCare that their check for the real estate taxes was never cashed and requested a refund. I tried following up with XXXX county to expedite the return of the funds to LoanCare, but as LoanCare had written the check, the county tax department could not help me. I gave LoanCare the details to follow-up with XXXX county on XXXX XXXX, XXXX. I followed-up with LoanCare customer service numerous times by telephone ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and three times on XXXX XXXX, XXXX ). Each time I was told their tax department is handling it and I would receive a call back. Each time I waited 20-45 minutes for a customer service representative to answer the phone. I 've asked several times to speak to a supervisor, but am put on hold and then disconnected. I simply want the funds owed us returned, but regardless of how often I call I make no progress on receiving the money owed us by LoanCare. Please advise how I can proceed, as I need the funds to pay my bills.
I have had a XXXX XXXX XXXX XXXX credit card since the late XX/XX/XXXX/early XX/XX/XXXX having originally received an APR rate of ( if I recall ) 6.99 % given my excellent credit rating & payment history. Over the years, this APR has  gradually increased to its present APR of 8.24 %. I received a mailed notice that, as of XX/XX/XXXX, my APR is being increased to 13.24 %, an increase of 5 % points or approximately 60 % increase! When I called XXXX XXXXXXXX XXXX customer service, as well as their Retention/Loyalty division, I was advised that my credit rating & payment history remain excellent ; that there is nothing negative in my file that would cause the increase. The phone rep noted that XXXX XXXX has been " reviewing all lower APR customers '' & " bringing them up to the current APR rate charged to other newer clients ''. The phone rep said he has been getting a number of calls from longstanding, excellent cards holders complaining of these huge increases. I asked if I was being penalized for not having as much usage on my card this past year [ since I had a newer, 0 % APR Chase Freedom XXXX card that I had been using but, since this attractive rate is now completed, have returned to my XXXX XXXX XXXX card use again. I asked XXXX XXXX XXXX to reduce the upcoming increased rate to a reasonable % increase ; I was told my upcoming rate of 13.24 % APR is " still a better rate than our new clients get & also means your excellent credit allowed you to till get a better rate than some other long-term clients are going to receive ''. The phone rep also noted I tend to pay most, if not all, of my monthly balance off so, historically, have paid little interest [ a point I feel has NOTHING to do with the principle of the matter which is a credit card company ripping off excellent clients ]. THIS IS A RIDICULOUS INCREASE AT ONE TIME for a client with EXCELLENT credit history, FICO score, etc. How in the world is Chase allowed to justify this & do this -- a 60 % INCREASE OVERNIGHT for no reason other than they wish to make more money from longstanding cardholders. I wish to lodge a formal complaint & have your bureau investigate this action by Chase [ & no doubt, many card companies who have longstanding clients that pay very attractive APR rates ].
During my 4 years in school, I took out loans through Sallie Mae -- Federal Subsidized and Unsubsidized loans, as well as a private " Smart Option Student Loan '' ( 1 each year ) to make up the difference in tuition and living expenses. My father was the co-signer. 

Since I graduated in 2013, the interest rate on my " Smart Option Student Loans '' have increased drastically. When I graduated, they ranged from around 5.5 % up to 8 %. Today, they are 9.875 %, 10.875 %, 9.375 %, and 11.125 %. ELEVEN PERCENT on a STUDENT LOAN!! 

I called Navient to see if I could refinance or lock in a lower interest rate. They told me these rates are federally set and they can't do anything about it. In fact, they told me the best thing to do would be to pay it off! SERIOUSLY?! I have even tried to remove my father as the co-signer and they told me my income was not high enough to remove him from my account. 

I've spoken with my personal banker at XXXX. Because it's a " student loan '', they can not touch it. So I'm stuck paying ridiculously high interest rates, with no hope of refinancing because " student loans '' are federally backed.