WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX, XXXX XXXX - VP of Operations XXXX The basis for my dispute required to notify me prior to, or no later than 30 days afterXX/XX/XXXX, 2016 XXXX XXXX XXXX, XXXX XXXX - VP of Operationsfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, XXXX XXXX XXXX, XXXX XXXX - VP of Operations '' failed to give me my " MiniMiranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX, XXXX XXXX - VP of Operations failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve XXXX XXXX XXXX, XXXX XXXX - VP of Operations is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )
XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, OR XXXX obtained a Writ of Garnishment against my IRA account at XXXX. Even after they were provided with conclusive evidence that this asset is exempt from garnishment under Oregon law ( ORS XXXX ), they failed to release the Writ, preventing me from buying or selling securities in the IRA account, resulting in actual and potential losses as a result of their illegal garnishment.
A collection company named XXXX XXXX, called my place of work to attempt to collect previous balance owe on rental move out. I have disputed the amount of {$170.00} with property manager as that should have covered it from the security deposit. There were fees added that did not add up and now sent me to collection. This is highway robbery and not right.
I received mail at my new place of work, where I am a single sub-contract agent who does not get paid until the closing of a transaction. I called CBS and was transferred to XXXX XXXX. I tried to set up payment plans of {$25.00} which was my original agreement with XXXX XXXX prior to collection. I am a family of XXXX with {$XXXX} annual income. I tried to explain this to XXXX when she would not let me make a payment of {$25.00}. She was extremely rude to me and caused me a lot of distress with the things she was threatening me with. She told me that they had verified my new employment, " which means I have income and I have to pay at least {$300.00} a month or the balance in full otherwise they would sue me and come after me. And I would n't want to be responsible to more money after legal fees are involved, would I? '' That is rough verbatim of what XXXX said to me over my {$3600.00} balance with CBS. At one point she had me in tears when I tried to explain to her I did not want them contacting my new employer about my collections and trying to get me in trouble with my new job where I am trying to make money. I am a XXXX with no income coming in currently. I am only a few months in the business. She was very hateful and continued to threaten me with court and legal fees if I could not pay more than {$300.00} a month. Anytime I tried to explain that my annual income had not changed from the {$XXXX}, she would keep telling me they 've verified my employment. However, that does not mean my income has increased. 

I am trying to make my $ XXXX monthly payments the best I can. XXXX has me very afraid of being sued when I am trying my best to pay what I can. I am trying to be the best I can and I will continue to make my $ XXXX monthly payments if she would let me. 

It is not fair that I am not allowed by her to make a payment bc she does not feel it is enough money. Nor should I have to keep calling in hopes of getting someone different at CBS that may let me make my payment. I have asked to have a new case rep and they will not allow that either, even after I explain all of the distress XXXX XXXX has caused me.
You have got to XXXX kidding me?! I am complaining about Experian yet again! This is ABSOLUTELY RIDICULOUS!! I just complained a couple of weeks ago about my BK which Experian finally removed after maliciously trying to ruin my credit even further by trying to extend it an extra three years for no reason. So now they ( you Experian ) retaliated against me for complaining about you. You removed my BK finally but now in removing my BK you dropped my credit score by 30 points from XXXX to XXXX after removing my BK? So explain to me how that make sense? You removed a major negative item from my credit report and you drop my score 30 points for that? If you ask me that sounds like retaliation against me for complaining about you. Why would one 's score drop 30 points for having a major negative removed? Hello Federal Government, do you not see a pattern of wrong doing here? There is no reason whatsoever why my score should drop 30 points after having a major negative item removed from a report. If anything my score should have went up 30 points, I mean really!! Again maliciously, knowingly and willfully ruining my credit once again! I can't even believe I am having to complain once again. I am so tired of this fraud of a credit reporting bureau it makes me sick you just purposely try to ruin people lives. Sure I've missed some payments lately but I've been unemployed for over three month 's now and that would be the reason for that. It's like kicking someone when there down by what you have done by dropping my score 30 points as you have for removing a major negative item. So now because of what you've done ( Experian ) I have been turned down to rent an apartment for XXXX and now I may be living on the streets come the new year. THANK YOU EXPERIAN!! Federal Government please take action against Experian, that is not okay to do what they are doing to everyday folks like myself. I now can not move and maybe homeless. This is an OUTRAGE AND TARVESITY what you credit bureaus are allowed to get away with! So frustrated!! I can't even believe this!!
Hello, I recently did a pre qualify soft pull for citi bank But the application passed through my credit report as a hard pull. By the fair credit act if they can '' t prove that this report was a hard pull then they must delete this Item.
Americollect inc has listed collection accounts on my credit report. Americollect has not provided me with service details. Americollect inc is not licensed in the state of Florida to collect on debt.
Harley Davidson Credit XXXX # XXXX Dear Customer Service : My credit report reflects an account with Harley Davidson Credit. This account was closed and vehicle voluntarily returned before I filed a Chapter XXXX bankruptcy. It was agreed that XXXX XXXX would remove this report from my credit history upon return of their collateral, a XXXX XXXX XXXX XXXX XXXX. 

Additionally, the loan which I received from Harley Davidson Credit was very unfavorable and the terms of the loan made it almost impossible for me to be successful. My interest rate was XXXX % and my monthly payment was {$470.00} over a XXXX period. At the onset of the loan, I questioned the very high interest rate based upon my current XXXX income and my debt to income ratios. I believe Harley Davidson Credit provided me with a loan product that was unsustainable and knew eventually theyd be able to recover their collateral and sell it for almost the same value which I paid. 

I am reaching out to you to request assistance in removing this item from all three credit bureau reports. This item is a blemish on my record and I believe had my income been examined more closely, it would have resulted in a payment that was affordable or the loan being denied due to lack of sufficient income. Unfortunately, this item has put me into a category which has led other creditors want to extend credit at very unfavorable terms. 

Please do not hesitate to reach me if you require additional details or further explanation.
I was XXXX from XX/XX/XXXX - XX/XX/XXXX and while XXXX  someone used my identity to open up a DISCOVER credit card on XX/XX/XXXX. The account charged off in the amount of {$720.00} and is still reporting negatively on my credit report. I have fought with DISCOVER & all 3 credit bureaus to try to resolve this issue since XX/XX/XXXX. To date XX/XX/XXXX they are still saying its verified as mine. This is so wrong. I'm a man trying to get my life back together and really did not do what they are claiming " I '' did and its ruining my life. I keep getting denied for everything. I even sent proof of my final discharge paperwork. Please help me rectify this problem that is giving me XXXX XXXX
I checked my credit situation on  XXXX   XXXX  and noticed the dealership I had bought and paid in full a car from showed me as having a balance. I called the dealership and they blamed TransUnion. I then submitted a dispute on the   XXXX   XXXX   site and it showed that Transunion was to investigate ... 30 days later the whole company vanished from my report but that 's not what I wanted! I simply wanted the debt to be corrected since I have the title in my possession and there was no debt. N ow my credit score dr opped  XXXX  points and I have nothing positive to show on my report. I called TransUnion but they were no help telling me there was nothing they could do. Had this been investigated correctly this never would have happened. I am trying to enhance my credit and this really hurt me!
On or about XXXX XXXX, XXXX, after learning about the Equifax data breach, I followed the instructions provided by the company and visited XXXX. On that page I provided my ssn and it was confirmed that I was affected b the breach. I signed up for the free credit monitoring offered. The process could not be completed at the time ( Equifax issue ), so after XXXX-3 days I went back and completed the steps. On XXXX XXXX, XXXX I received an email from " Trusted ID Customer Service '' [ XXXXXXXXXXXX ] which read : " Dear XXXX XXXX, We recognize you may not have received your activation email for TrustedID XXXX. We apologize for the delay and assure you we are working diligently to send your activation email as quickly as possible. '' As of XXXX XXXX, XXXX I had not received the activation email. That same day, I went back to XXXX and called the customer service number listed there. 
After talking to three different people, I was told that I had to sign up again at XXXX. I think it is deceptive for Equifax to represent that they are offering this service if they dont intend to. And their negligence continues to expose my personal information to identity theft. Equifax is not taking this matter seriously. Equifax should not need anybody to sign up for this since they already know whose data was hacked and they also have people 's personal information.
On XX/XX/2018 while talking with a representative who indicated they were a manager, I was trying to find a way to lower my monthly student loan payment as it was higher than what I could afford. The representative told me I needed to get a part time job, I let them know I had a young child and child care cost so much that getting a part time job would probably make me lose money. The representative then told me that I could save money if i applied for food stamps or other government assistance, I let him know that I made too much to qualify for those programs and I only gave no money because it all goes to pay those student loans. The representative told me that it was not their job to fix my mistakes and that I should have thought about having a child and choosing the career path I did before ever taking out student loans. I was appalled that my child was called a mistake and I was told my choices were stupid, I am not the one that  loaned an XXXX year old that much money for a XXXX  degree, I was not thoroughly prepped on what to expect from taking those loans out but instead I was urged to l! The representative said to this, XXXX years old is old enough to drive, vote and play the lottery, old enough to make those decisions and know the outcomes, thats your responsibility not ours.
XXXX is showing on my credit reports as 30 days late. I have never been 30 days late. I disputed with them and the credit reporting companies. The response I got back was it was correct we are not going to change it. When I paid my bill for XXXX it was due the XXXX, I paid on the XXXX and asked in the store about why it is reporting 30 days late. Store employee told me that their cycle is XXXX to XXXX, so if you have n't paid by the XXXX it is reported as 30 days late. I attached a copy of the bill and receipt when I paid. XXXX has reported to the credit bureaus at least XXXX times like this.
I have disputed the collection accounts with Equifax for several attempts, to no avail XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX They did not give me evidence or verification as to why they will not remove the accounts. The error has affected my credit score tremendously.
XXXX will not up date my account XXXX XXXX account to paid and XXXX balance. I paid This account off.
On XX/XX/2018, I reached out to XXXX, about why my payments were not getting credited, I was making payments and they would never arrive to my checking account. Upon verifying this issue with them we discovered that when my payment account was updated the account # was mistyped by 1 digit. I was told by XXXX in Customer service to attach a copy of my bank statement and mail it to them along with a letter of the call that took place and they would remove the late marks on my credit report and this was done in error of the account # from my payment account being typed wrong. 

2 Months later, nothing has been updated. They have my account locked from making payments online thru their website and i either have to call it in, or use online bill pay from my bank.
On XX/XX/XXXX our home was sold at XXXX in a foreclosure auction, I filed Bankruptcy at XXXX XXXX XX/XX/XXXX ; and Since XX/XX/XXXX XXXX , My dad 's  mortgage company Nationstar , and myself, until Now I have been in an Assumption/ Modification process. 
Nationstar which is now Mr. Cooper had all but cured our Bereavement/ Hardship concerning our dads sudden XXXX XXXX XX/XX/XXXX when they agreed formally to work with me In XX/XX/XXXX after refusing to accept partial payment or negotiate a payment plan it was all or nothing when we were just 3 months behind ( back in XX/XX/XXXX ). 
I was very meticulous in getting and sharing any, and everything requested by Mr. Cooper and then later XXXX XXXX requested documents all while allowing me to : Open Probate XX/XX/XXXX Restart My XXXX XXXX XX/XX/XXXX Qualify Financially ( provided 6 months bank and P & L statements From XX/XX/XXXX - XX/XX/XXXX ) Renovate/ remodel our home From XX/XX/XXXX -  XX/XX/XXXX I was really wandering why it was taking so long for an approval I was aware that some sort of comradery and teamwork was going on so I did n't think for a moment that Mr. Cooper would inadvertently sell without giving me an opportunity to provide more document ( s ) from the court ; especially since I 've been in compliance since the sale dates first started being postponed. 
As a Leader in Our Community, and a great lover of people one of my Biggest Failures is not Finishing what I start, Please help me to Finish the Good work that has begun even by allowing us to Remain In and to reestablish that good name that our Dad Begun with us In This HOUSE over 56 years ago! 
Thank you, XXXX
XXXX stores had an exclusive deal with XXXX XXXX for a store credit card. XXXX decided that they wanted to do business with Citi bank and not longer XXXX XXXX. I never authorized XXXX, XXXX XXXX or Citi bank to send me an unsolicited Credit card. I received a Citi bank credit card in the mail today. I never applied or authorized this transaction. I am under the understanding that it is illegal to send sombody a line of credit via credit card without exclusive authorization from the potential card holder.
Citi/XXXX cards is 6 months past due and according to company the debt has been charged off. The last statement received had a due date of XX/X/17. I called the company before the due date to request a payment solution as stated on the statement. The company representative stated during the call that there was nothing they can do with the account since it was under review. Apparently, during a review Citibank will not discuss payment solutions or even take a payoff over the phone or web. My only option was to send a check to a company address and hope for the best. I escalated to a manager to speak with internal contacts. They refused to provide contacts to assist with a payoff plan in order to have the issue settled before the due date. I can provide the statement as backup to this complaint. I do not think an account should be locked out and possibly sent to an collection agency if the customer is seeking to resolve the issue at hand.
I reviewed the XXXX credit report I had ordered on XX/XX/XXXX and I saw an entry from XXXX/XXXX. I contacted XXXX   on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information on this item has been updated. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter.

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If XXXX has deleted it and I sent you information, then it is Trans Union obligation to maintain accuracy. Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( Transunion & XXXX ). Transunion nor XXXX didnt provide it. As I believe all of them are still using E-Oscar to verify when that has been ruled not to be verification. I also wrote XXXX/XXXX on XX/XX/XXXX and they never responded as well. With no response to me how is it that this is still verified. What were they getting that I wasnt that XXXX refused to share with me the information that was in my credit file showing where they did a full credit investigation as I requested by law. 

All this correspondence I will be including for you as well. I am including the letter I had asking them to remove that as well.
Received XXXX calls from D & A Services LLC with messages to call regarding a debt. I called, thinking this may have to do with an identity theft issue that I suffered in XXXX. However, after calling and providing my cell number ( which was the number the collection agency called ) the agent asked if I was XXXX XXXX. I advised that I was not and they obviously had the wrong telephone number on file if that was the individual they were looking for.
My XXXX XXXX on XXXX/XXXX/2016 was canceled and was rescheduled for XXXX/XXXX/2016 at XXXX that was rescheduled for XXXX/XXXX/2016 at XXXX That flight was good to go and l took it. 
do to these cancelations l had added cost. 
XXXX {$89.00} XXXX {$90.00} XXXX {$25.00} XXXX {$85.00} XXXX {$100.00} XXXX {$35.00} These were all additional cost that l had to cover out of pocket do the the cancelations that l had to endure. 
for a total of {$420.00}
I purchased a home in XXXX XXXX in XXXX XXXX. In XXXX I asked that my mortgage company escrow my real estate taxes. My monthly payment was {$3300.00}. At the end of XXXX XXXX, I received a call saying my mortgage account was past due. I have my bank automatically pay the amount due every month. Apparently the escrow amount went up and caused my monthly payment to increase. I asked what the issue was and I was told that taxes had increased. I knew this to be untrue. Then they told me that before taxes were only paid once a year and now they taxed me twice a year. This was also untrue because LA always charged taxes twice per year. After 45 minutes on the phone, I learned that the escrow calculation was grossly inaccurate and now I 'm paying double for the next year - almost {$1000.00} more per month. This company 's procedures are inadequate, cause economic hardship to consumers, and the company 's customer support and inadequately trained and deceptive to consumers.