WillisBack/dataset-financial-user-claim huggingface dataset:
We locked our credit with all bureaus after the Equifax breach. We stored passwords from the other two bureaus and easily unlocked our credit while trying to buy a home. We did not have record of Equifax codes ( wondering if they snail mailed them the first time and we never received them ). After much time and labor, we reached them on the phone and qualified to unlock our own credit by having them snail mail us our passwords. The 5-10 business days during which they said our passwords would arrive has come and gone and we are not able to buy a home because of this. They caused the problem with the breach in the first place and now they are preventing us from buying a home.
Under the FDCPA 1692G which gives consumers a 30 day window to dispute a debt in writing AND 1692E which prohibits using false or deceptive means to collect the debt. 

The notice I received removed my right to dispute the validity of the debt through debt validation and debt verification two separate practices. The deceptive practices taken place would be from the collection company knowing the debt is not mine because of the school was notified the information submitted was fraud. Also the alleged debt gives me no option to contact the debtor to dispute only to pay the debt. The claim I am asserting is that the collection letter misguided me as the consumer. In addition to including the the missing absent statutorily required validity language, the collection letter also invited me the recipient to please call to discuss payment arrangements circuit court decisions including XXXX v. XXXX XXXX XXXX XXXX. from XXXX, XXXX XXXX XXXX XXXX XXXX form XXXX, these cases supports the current actions are improper and is in clear violation of the FDCPA 1692G and 1692E I would like the entire debt removed from ALL agencies which credit information or reports are supplies which includes data brokers. 

Proof of Complaint Case Number : XXXX I sent information to XXXX  XXXX university and the department of education Financial Aid department informing them the information was fraud and that I should have never been enrolled in their school and I should not have had a financial aid balance with the school. The fund we're rescinded and I was never given another call or bill.
I WAS IN THE MARKET FOR A SPECIFIC HONDA ACCORD COUPE. I WENT TO XXXX XXXX HONDA, AND SPOKE WITH XXXX XXXX XXXX, A SALES PERSON THAT I HAD DEALT WITH PREVIOUSLY. I ASKED HER IF SHE HAD THE VEHICLE I WANTED, SHE SAID YES. I ASKED FOR THE COST AND SHE REPLIED THAT SHE HAD TO ASK HER MANAGER XXXX XXXX. WHEN SHE RETURNED SHE STATED THE THE COST OF THE CAR WAS $ XXXX. I THEN ASKED HER WHY WAS IT SO HIGH AS I HAD RESEARCHED THE CAR, AND THE MOST THEY WERE ASKING FOR THE CAR FROM XXXX, AND THE BEST PRICE, WAS {$31000.00}, IF I 'M NOT MISTAKEN. I THEN ASKED HER IF THAT WAS THE BEST THEY COULD DO, AND AGAIN SHE HAD TO SPEAK WITH HER MANAGER. AFTER AROUND 15 MINUTES, SHE RETURNED AND TOLD ME THAT THEY WERE DISCOUNTING THE CAR BY {$990.00}. I ASKED HER IF THAT WAS THE BEST THEY COULD DO, SHE REPLIED YES, THE CAR IS IN GREAT DEMAND, AND WELL, NEED I SAY MORE. I ASKED IF I COULD SEE THE CAR, SHE REPLIED THAT THE CAR HAD BEEN MOVED, SO THAT NO ONE COULD SEE IT. I TOOK IT AT FACE VALUE. SO WE STARTED WITH THE TRANSACTION. NOW I HAD A DRAFT FROM THE XXXX XXXX XXXX XXXX, FOR THE BALANCE OF NEW CAR AFTER THE TRADE IN. THEY EVEN REQUESTED ASSURANCE THAT THEY WOULD GET THE LEAN RELEASE FROM THE XXXX, WHICH XXXX FAXED TO THEM, TWICE. BUT THEY STILL WOULD N'T RELEASE THE NEW CAR. WHEN ALL THE TRANSACTIONS WERE DONE, THEN THEY TOLD ME I COULD PICK UP THE CAR. WHEN I ARRIVED HOME, I WAS REVISING BY PAPERWORK, AND TO MY AMAZEMENT, THE MSRP ON THE VEHICLE WAS, {$33000.00}. WELL AS YOU CAN IMAGINE I WAS HIGHLY UPSET. I DID N'T CONTACT XXXX XXXX, THE NEXT DAY TUESDAY BECAUSE SHE WAS OFF. BUT I DID SEND HER AN E-MAIL EXPLAINING HOW I FELT, THAT ACTION I WOULD TAKE IF THEY DID N'T MAKE THE SITUATION RIGHT WITH ME. I FELT LIKE A COMPLETE IDIOT. HOW I LET THESE PEOPLE TOTALLY DISRESPECT AND HUMILIATE ME. I SERVED MY COUNTRY IN THE XXXX XXXX XXXX, FOR 20 YEARS, I 'M ALSO XXXX, AND THEY STILL SAW TO TAKE ADVANTAGE OF ME. WHEN I FINALLY SPOKE TO XXXX XXXX SHE TOLD ME THAT THEY HAD TO RAISE THE PRICE BECAUSE THE CAR WAS IN GREAT DEMAND, AT WHICH TIME I POLITELY HUNG UP THE PHONE. WHAT I REQUESTED FROM THEM TO MAKE IT RIGHT, WAS TO GIVE ME THE CAR AT COST, BECAUSE OF THEIR DECEPTIVE PRACTICES. FOR THEM TO RETURN THE DIFFERENCE BACK TO XXXX, WITH AN APOLOGY. AFTER THIS I RESEARCHED THEIR HISTORY, AND TO MY AMAZEMENT, THERE WAS ACTION TAKEN BEFORE ON THIS DEALER FROM THE ATTORNEY GENERAL 'S OFFICE, WHO I WILL ALSO SUBMIT MY COMPLAINT. I JUST WANT TO MAKE SURE THAT THEY DO N'T TAKE ADVANTAGE OF ANY ONE ELSE. THEY ARE A BUSY DEALERSHIP, I WONDER HOW MANY OTHER PEOPLE THEY HAVE DECEIVED. YOUR HELP IN THIS MATTER IS GREATLY APPRECIATED. THANK YOU
VIOLATED " FAIR CREDIT BILLING ACT '' AND FDCPA '' ... XXXX DIFFERENT COMPANIES DEMAND SAME PAYMENT OF FRAUD ACCOUNT XXXX XXXX AND NOT MY ACCOUNT. FORMAL FRAUD AFFIDAVIT FILED WITH " FTC '' CASE # XXXX AND WITH XXXX
Dear Sir/Madame : I'm writing to request that you look into the operations at US Bank. US Bank is the mortgage servicer on a home I own. Please review the following : 1. I believe, based on several personal experiences, that the bank 's processing center is intentionally holding over-payments ( payments with additional principal ) to artificially inflate the interest earnings of the company. 

This month, I sent a check on XX/XX/XXXX, including a {$1000.00} check from my XXXX XXXX  account as well as an endorsed check for {$2300.00}. On XX/XX/XXXX, I called to begin an inquiry into my lost checks, as the XXXX check had not been cashed. I called again on XX/XX/XXXX to follow up on my XX/XX/XXXX call, since I hadn't received information from the bank on the whereabouts of this mortgage payment. Still, the bank had no answer. I requested that a supervisor return my call with more information, but the bank stated they couldn't call guarantee a call in less than 48hours. During my conversation with the supervisor, I was restrained and extremely angry at the Bank 's inability to a ) find my money, b ) follow up with my request to find this money c ) inability to escalate this issue to sufficiently address my issues. 

As of XX/XX/XXXX, I noticed that my XXXX check had cleared. I called the Bank to find out why they hadn't let me know about the receipt of said money ( which had been allegedly ( per the date stamp on the cleared check of XX/XX/ ) on the day of the call. 

I am concerned that the bank is intentionally withholding overpayments. I also believe that the bank 's communication system is woefully inadequate. 

Finally, since this is not the first time that the bank has held checks for extraordinary periods of time, I am concerned about the application of principal. I have requested the math from the bank to ensure that the bank is not acting inappropriately, but I believe thay they are ... the last time that the bank had problems depositing my money, the bank claimed that the receipt date of mortgage payments does not have a material impact on principal and interest. This doesn't accord with how principal and interest works in my own financial analysis, and I am suspect.
On XXXX XXXX I did a cash advance from my XXXX XXXX in a ATM of my bank. The bank charge me {$3.00} for the withdrawal as if I was using a card from other bank. I did the claim explaining that the ATM read wrong my card. Representative said that fee is correct because is a cash advance. I told that it was n't the first time a did a cash advance that the fee does not belong. The ATM had never charge me when using a card from the same bank. I was aware of the {$2.00} fee that the bank would charge for this. They ended charging me {$5.00} for the transaction. Besides, they never gave a resolution to my previous dispute. 

I 'm tired of all the mistakes they are making in my account.
To whom it may concern.

Our company credit card Capitol One Spark account was cancelled do to not aligning with their company policy. Capitol One would NOT tell us what we did not align with. We called and our account is in good standing. No late payments at all. Capitol One would not tell us what the real problem was. We believe we were singled out because of these reasons. 
1. We are a pawn shop. ( # 1 reason ) 2. We are selling legal firearms.

3. We are a small business owner.

4. We are Republicans.

Would this be a form of discrimination? 
I'm not sure if there is anything you can do for us? 

Attached is a copy of the letter that was sent to us from Capitol One. 

Thank You, XXXX XXXX Manager/Partner XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX, Ia. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
My loan was transferred/sold from XXXX Mortgage of North Carolina ( Account # XXXX ) on XXXX XXXX, 2013 to XXXX Master Participation Trust ( Caliber Home Loans account # XXXX ). I Ca n't seem to get Caliber to send me the paperwork ( transfer/sale ) documents for this transaction.
All my hard inquiries on my credit report with no permission from me .i tried to dispute all of them and the results was all my hard inquiries was closed but, still appear on my credit report.
They wo n't let me in my account. I have tried to activate my card. I also called and been hung up on 3 times. 
I just got this account. What should i do?
Bank of America has stolen money from me for years, but now I have proof. 
I was sent {$200.00} and {$100.00} by way of their banking app and never received the money in my account. I have done this numerous times over the past year, and it has worked fine. But for some reason, now, the money is not coming into my account. I have already spent a few hours on the phone about this and they continue to tell me they do n't see anything. I have pictures from the individuals ' accounts who sent me the money confirming the money left their account into mine. I have given confirmation numbers for both transactions and the bank told me those are n't good for anything.
I am a victim of identity. My XXXX XXXX credit card : XXXX is lost/stolen. Someone cancelled my XXXX XXXX credit card account. I never called XXXX XXXX to cancel my account. There are some fraudulent and unauthorized charges on my XXXX XXXX credit card account. I want XXXX XXXX to send me a new credit card with a new account number.
XX/XX/XXXX I received notification that information on my bank accounts were changed - when I called ( XX/XX/XXXX ) I was advised that I need to change my online access and password, after having the escalated to XXXX XXXX ( Fraud ) he indicated that the change occurred because some one internal to Wells Fargo updated my information ( without my knowledge ) that triggered this alert. Stated that I did not want to change my user ID he indicated that he would look at it further and indicated that he would call me back at the end of the day. On XX/XX/XXXX I received a call back from XXXX XXXX - he had indicated that the issue is now that I have been identified as an individual where multiple attempts to access my account have occurred - no further details were provided - I was provided with a case # XXXX and advised hta I would have to get all my accounts replaced - inquired as to why I was not notified of this sooner - he indicated that they tried to contact me - ( advised I have not received an email or call ) it seems that Wells Fargo is the only ones that have issues calling my cell XXXX I receive regular texts from WF on my phone so the story of my cell not working is not accurate, I am also on call 24/7 so my phone does work. There was no valid response as to why I have not been contacted if this was such an urgent matter that needs to be addressed
XXXX XXXX XXXX with an amount of {$3200.00} Account is not mine, identity theft issue/fraud alert.
At XXXX I got notifications a XXXX transaction was made for {$240.00}, however I didnt make that transaction and my bank is holding me accountable for it even though I was dealing with a flat tire at that time! Also they said they cant help me. Well they are my bank they have to help me its a transaction to a unknown person Ive never met or heard of I think its unfair.that someone got a hold of my accounts
I have attempted to correct the late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that are inaccurately reported on my credit report. I have made numerous call and email requests for over a month and have also sent a letter in the mail. I'm continuously being ignored.
I have sent out validation letter asking them to validate al the information I asked for in my letter.They sent back a copy of a computer generated printout, that does not in no way abide in accordance with the fdpca. 

They will not properly validate the debt..
I reviewed my Experian credit report and there is XXXX unauthorized and fraudulent credit inquiries on my credit report that do not belong to me. The following unauthorized and fraudulent credit inquiries listed on my Experian credit report do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I want Experian to delete the unauthorized and fraudulent credit inquiries from my credit report immediately.
I recently pulled my Credit Report and saw many errors. I did not have knowledge of these two debts. They are not mine and when I attempted to resolve this issue with the creditors they only wanted me to pay and would not help me at all. It is very unfair that I have debt on my report that does not belong to me. Please help me to remove this so I can move forward. The creditors should be thrown into jail for how they speak to people and especially when it is not the individuals debt. Please Help! The last  two  accounts on my Credit Report that I have no knowledge of are an   XXXX   XXXX   company that states they represent  XXXX   XXXX . I have no knowledge of this debt and it should not be reporting on my Credit Report. The other is  XXXX   XXXX   XXXX . It also should not be on my Report Because THIS DEBT IS NOT MINE. I have tried and tried to work this problem out and have n't been helped yet! Please Help!! There are als o 2  accounts that are reporting on my report that are too old. They should not still be there. It is illegal for them still to be reporting and they are  XXXX   XXXX  and an account by the name of  XXXX . Thank you.
Thursday XXXX XXXX I logged on the XXXX website to see If my personal data had been involved in the hacker security breach. Clicking the " Check Potential Impact '' button automatically enrolled me in TrustedID XXXX. I was not given any option to decline this service and I did not agree to this. I do not want this service.
In XXXX, XXXX I was laid off and went on unemployment for nearly 9 months. My son XXXX in XXXX XXXX and as the sole provider I was unable to keep up with my financial obligations. I sought assistance with my creditors to keep my accounts in good standing. Many were helpful, some were not. Creditors that were not helpful sent my accounts into collections. Hence, this request for assistance with Messerli Kramer who is the representing attorney for XXXX XXXX. 
Once I found stable employment and got back on my feet I made every attempt to pay back all monies owed as it was debt that I incurred. Since XXXX XXXX, I made several attempts to reach a settlement with Messerli Kramer. I received many phone calls on my cell phone during the day at work which I could not answer. When I was able to speak with someone they stated they were an attorney in the collection department and were rude, insistent on immediate payment demanding of personal information such as finances and place of employment when I stated that I could not make immediate payment. I refused to give the information for 2 reasons, 1 ) it 's irrelevant/not their business and 2 ) I was fearful they would attempt to contact my employer. When I went to look up the individual that I spoke to I realized was not in fact an attorney. When I called back to discuss my account I asked him directly if he was an attorney, to which he promptly state, " No, and I never said I was. " I made offers to settle on their website which they stated they did not receive. When I submitted in writing their response was that their client " XXXX '' refused the offer which I believe is false based on the fact that XXXX XXXX offered me a settlement on another debt I owed that was 60 % of the original debt. Which I accepted. They aggressively pursued me by phone instead of in writing as requested, which I felt was an attempt to intimidate a deceive me. They threatened legal action every time. I stated I wanted to avoid that and resolve this. I upped my settlement offers and every time I did they upped theirs. They refused all payment terms I presented. I feel Messerli Kramer is now skirting the line if not crossing it. 
On XXXX XXXX, XXXX, 1 year later, I received a letter from the XXXX Court that a judge has been assigned my case. I was unaware that a suit had even been filed. I 'm now concerned that Messerli Kramer is attempting to seek a default judgement against me and will in turn garnish my wages and levy my bank accounts which will threaten my financial situation. 
I understand that they may or may not have done anything illegal but it is most certainly unethical in every sense. I 'm not attempting to get out of paying any debt I owe. I 've made fair and reasonable attempts to resolve this debt. Messerli Kramer, who represents XXXX XXXX has refused any and all offers and payment schedules. They are forcing me to pay what is now an even higher amount in full or go to court. I 'm uncertain why they refuse to work with me and I 'm seeking your assistance to resolve this as I feel they are forcing me into court or have already begun summary judgement proceedings.
Because I am in an active Chapter XXXX Bankruptcy, XXXX XXXX XXXX seems to ignore and do not comply with my request and my attorney consent letter. Just in 2018, I have asked on several occasions by calling ( XXXX ) and asked for the lender name for my mortgage loan, verification and history of payments. I have waited over a week for the requested documents and no documents were sent to me. I called back and was read the Attorney Consent letter but still I have not received the requested documents. I am trying to refinance and every time I start the process XXXX XXXX helps me lose out on refinance opportunities.
I have been receiving several calls from this number for several months. The calls are random and have to consistency. They sent me a letter in XXXX with an account number and their phone number. They claim to be a debt collection agency through XXXX XXXX. They called me today, XXXX XX/XX/2018 asking for payment of the debt. I told them I'm disputing the claim and they are to contact XXXX about the debt. I told them they sounded fraudulent and they said I can call XXXX myself and talk about the authenticity. I did such, and they are not associated with that phone number. I did have a debt with them, which I paid through XXXX personally.
I have a fraud alert on my credit bureaus. I applied for XXXX and XXXX XXXX. Both use XXXX XXXX. I received letters from XXXX XXXX referencing both accounts and I had to called them. They verified all the information with me and I thought everything was solved. d. Today I revieved a letters from XXXX XXXX saying they could n't verifiy with Equifax. on both XXXX and XXXX XXXX. Equifax is more than aware of my identiy. Ihave faxed and mailed my SS card and my drivers license. ( that complaint you will be receiving also ) Can someone help me withg getting all of my information correct with Equifax?
I have been my sister 's legal guardian for over 5 years. She turned XXXX last week on XXXX XXXX, XXXX. We tried to register her online with SocialSecurity.gov to receive her benefits ( because her mother is deceased, she gets benefits ). When we were asked security questions, we answered none of the above to all of them. She does not own a house, have a mortgage, a car or a credit card. She just turned XXXX and by law you can not obtain any form of credit until you 're XXXX. We received a message stating because she could pass the verification process and we answered the questions incorrectly, we could not register online. We went ahead to try to obtain a credit report via XXXX and the same thing happened. We are not stuck at a stand still. We ca n't obtain a copy of her credit report to dispute what is on there.
I had already sold my home  and Vanderbilt Mortgage had been contacted by the closing company for the payoff. It is a cash sale. On the   XXXX  of  XXXX    XXXX   a young woman named  XXXX  called me on the phone stating I would have to pay  XXXX  on my loan or they would start foreclosure next week and I would be responsible for legal fees I got a foreclosure letter today on the  XXXX  and discovered I had until the  XXXX  of  XXXX   XXXX  to bring it up to date.
In XXXX, I financed a XXXX Ford Fusion for 5 years with Santander Consumer USA Company. I paid a down payment of {$1500.00} and a monthly note of {$420.00} for 36 months. After paying for 36 months, ( which was 3 years later ) the Balance was ONLY {$3000.00} less than the Initial Financed Amount. I WAS IN SHOCK!!! HOW COULD THIS BE? The car was financed for {$18000.00}, THIS IS A RACKET OR SCAM. In XXXX, XXXX, I traded my Ford Fusion for a new vehicle. During this process of trading my Ford Fusion on a new car, I was told that the PAY off on XXXX XXXX was more than {$15000.00}. The car only Cost {$18000.00}. And after paying a REGULARLY monthly payment How can the PAY OFF BALANCE STILL BE ALMOST AS GREAT AT THE INITIAL FINANCING OF THE CAR BEFORE ANY PAYMENTS. My monthly payment was {$420.00} EACH monthly. And ON Several Months I paid {$440.00} or more. This is interest Gauging or Unfair and Unlawful Interest to the Consumer. I also was then told that the car was financed for 72 months instead of the 5 years. And How Can The Pay-Off be more than {$14000.00}. When I Disputed it and talked to several Managers at Santander I was Told " This is the Pay-Off on the Day in Question, IT IS MORE ON A MONTHLY PAYMENT SCHEDULE. THIS CRAZY! I HAVE NEVER BEEN 30 DAYS LATE. AND NOW THEY HAVE SENT NOTICES STATING I OWE THEM WHEN I DO N'T. AND THEY ARE REPORTING FRAUDULENT, ERRONEOUS REPORTS TO THE CREDIT BUREAUS STATING I HAVE BEEN MORE THAN 30 DAYS LATE WHEN I HAVE NOT! THEY NEED TO CORRECT THEIR RECORDS AND THE CREDIT BUREAUS REPORTING, STOP ASSASSINATING MY CREDIT AND REFUND ME ANY MONEY WITH INTEREST THEY TOOK DUE TO FRAUD AND ERRONEOUS INTEREST GAUGING TO THE CONSUMER. ALSO THEY ARE PROBABLY PRACTICING THIS FRAUDULENT BEHAVIOR WITH XXXX OF CUSTOMERS. IT NEEDS TO STOP AND DESIST!