WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of XXXX, I XXXX XXXX XXXX XXXX XXXX in order to pay for any outstanding debt owed on my part as I was pregnant as of XXXX of XXXX and would n't be able to pay any debts thereafter. I would n't be able to pay anything once I gave birth because my employer was a small law firm that offered no XXXX Leave or XXXX XXXX XXXX, therefore, once it was time to give birth and recover I would essentially become unemployed. It is now XXXX/XXXX/XXXX and I am in fact unemployed due to complications with my delivery that required a lengthy recuperative period. To my surprise, I have received a bill from a collection agency for {$4100.00} that is apparently owed to XXXX XXXX. I have several problems with this recent turn of events, first, I repeatedly asked the representative at XXXX XXXX if the bills proposed to me were complete, and she confirmed that they were, I do not have over {$4000.00} to give to anyone. I should have known something like this would happen, during the transaction it was apparent that they neither cared about my XXXX or dilemma even though I was trying to do the right thing. Second, I do not take lightly my private and proprietary data being sold to third-party organizations that I have no contractual obligation to. Who are they to share the very same information that they are supposed to protect under XXXX law? Third, I made XXXX XXXX well aware of my financial hardship, and they have made no attempt to adhere to the XXXX XXXX Assistance Law ( HFAL ). I have been offered no assistance nor have I been given an opportunity to negotiate my outstanding debt. Their subsidiary is equally ruthless, the collection letters make no mention of my right to dispute the outstanding debt. I feel that I am being mistreated by this XXXX provider and collection company based on my age and XXXX and existing XXXX disorder, I often have to visit the XXXX facility because I have an illness that they apparently are n't skilled enough to remedy ... it appears that these companies are more concerned with cashing in on my XXXX than trying to help a member of its community that is truly in need.
I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXXXXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/XXXX. In again resent the information to the credit Bureau onXX/XX/XXXX asking to verify this incorrect information. With out even looking into my concern, the resent me the same letter stating that it was verified stating that it was verified by a 3rd party consumer agency called XXXX XXXX. I then contacted XXXX XXXX on XX/XX/XXXXvoicing my concern ans and filed a dispute.. On XX/XX/XXXX I received verification from XXXX XXXX that the can not verify my Bankruptcy and it has been removed. I would like to have the judgement removed immediately due to the fact that it is not verified and not accurate information. Thank your for your support.
XXXX  has been non-compliant with removing the unverified account WELLS FARGO BANK CAR Date opened XX/XX/2014 which has been deleted by XXXX and XXXX. XXXX  and XXXX   have both completed their research and determined that WELLS FARGO BANK CAR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
IN REGARDS TO : EQUIFAX XXXX. XXXX XXXX XXXX GA XXXX I HAVE SENT LETTERS AND EVEN MADE CONTACT VIA TELEPHONE OVER A FRAUDULENT IDENTITY THEFT ACCOUNT THATS REPORTING ON MY CREDIT REPORT THAT THEY HAVE YET TO REMOVE. I HAVE EVEN SENT THIS LETTER TO THE COMPANY WITH NO RESPONSE BUT EQUIFAX SEEMS TO BEABLE TO VERIFY SOMETHING THE OTHER 2 BUREAUS XXXX AND XXXX COULD NOT.HOW IS THIS EVEN POSSIBLE? 

XXXX XXXX XXXX : NEVER RESPONDED TO THIS LETTER I SENT BELOW EITHER.THE ADDRESS I SENT THE CERTIFIED LETTER TO XXXX XXXX XXXX XXXX XXXX IL XXXX In accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX and the Consumer Finance Protection Bureau. 
. I have disputed this debt once before and never received clear uncut validty of the debt i reference ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute and was open fraudulently as I have stated before. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.
I initially went through XXXX to purchase currency and my transaction was denied 4 days after I submitted it. I called TD and they stated it is an issue with XXXX, but Ive since read that TD has been blocking virtual crypto currency. I just tried to start a transaction on the site XXXX and was denied again stating TD Bank is blocking you from enabling external transactions. This seems like theyre telling me I cant spend my money how I choose to.
Me and my wife both making the same household income requested credit from American express. We both filled out applications the same date for the same card. I'm denied, she was approved. I feel its discriminating here is why. She is XXXX & I'm American, she has no credit established & I have no credit established. I have a calculated risk score that is being used against me & she does not have any such score to be used against her. In all aspects of this we have the exact same credentials. Mine is on document in the U.S. and hers is not. The reality of this is that U.S. citizens are being discriminated on by our social security numbers and the 3 credit  minitoring agencies. XXXX are not applicable for this to be used against them. This is plainly discrimination. 

XXXX-no credit established= accepted American-no credit established = denied In my opinion its controled by our government to keep the poor from escaping financial ruins. If this is not racist, prejudice, then its for sure discrimination!
I despuied information with credit bureau XXXX/XXXX/XXXX XX/XX/2018 .. 
XXXX  has updated account information and removed from my credit file however XXXX/XXXX WILL NOT UPDATE INFORMATION ON MY FILE .. I HAVE ALSO REACHED OUT TO THE COMPANY ITS SELF AND THEY WILL NOT RELEASE INFORMATION AS IN WHAT THE CAR SOLD FOR AFTER REPO ETC..
I obtained a copy of my credit reports and discovered an account under Monterey Collections pertaining to a collection. I sent my first letter ( XXXX/XXXX/XXXX ) disputing this account and also requesting validation. They responded but did not provide a valid signature. I sent another letter on ( XXXX/XXXX/XXXX ) again requesting validation, however ; again they responded but without a valid signature. According to federal law, XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within XXXX days of my dispute, which they did not. I also requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The company sent me some papers showing my name typed in, which is not a signature. Anyone can type a name, so please send me proof of a signature that shows validation. 

I have retained a copy of their signature and date of receipts, as well as time-stamped copies of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Additionally, they have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]  Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Since  XXXX  of   XXXX  , I have been sending certified letters regarding   XXXX    XXXX  via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from  XXXX   XXXX  asking for clarity of my dispute, I could n't be any clearer. This is what I stated in my letters : Under the Fair Credit Reporting Act,  15 U.S.C. 1681g  I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.  <P/> If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required un der Section 611 ( a ) ( 5 ) ( A )  ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd parti es you are damaging my reputation and credit worthiness.  <P/> 
Under the FCR   A 15 U.S.C. 1681i, all unver ified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.
Discover card got me stiffed for over {$1700.00} My wife bought an airline ticket round trip from a thief travel agency She bought it ahead of time The agent issue a ticket and after the traveling date he cancelled the return ticket and sold it to someone else. He did that with more than ten people as she learned from the airline. She had XXXX coming back she had to delay her return 2 days and bought new ticket at the peak of the season one way was even more than the round trip. We had to dispute the charge I uploaded 36 Documents showing what that thief was playing around with a confirmed return tickets as a proof all what they did in the investigation that they asked the thief for a copy of the transaction I closed the account after being with them for 21 years we will stop taking Discover card into our business. She will close her account Once she 'll get the OK from The lawyer. By the way the other people that were scammed got their money back. 

Not recommended XXXX XXXX and XXXX are better
Our home ( primary residence ), as a result of XX/XX/2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per XXXX but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX Experian, XXXX and XXXX, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arizona XXXX
XXXX XXXX & Credit Bureau I sent out Validation letters to the three major credit Bearue for the last year. All I recevied back is the my accounts have been validated, so I called the lending institution which is XXXX XXXX  and asked them to validate the account ( last payment made ) by sending me the payment method ( credit card, check, bank paid from ) or anything that I purchased with that account. They are not able to validate the account so i'm writing this in the search for a correction on my credit report. 


Thank You.
In applying for a loan modification, Bank of America, I was told XXXX would be contacting me to help with the application form and any other paperwork needed for the process. I was sent someone, XXXX XXXX, 2015 who went over the docs and said he would be sent the next day XXXX. I called BoA on XXXX, and asked if they had received the paperwork and they had not, but that they fully expected them to be there in a few days. I kept calling for three weeks and no one could track where they were. I was anxious because the paperwork contained tax papers and copies of my bank statements. When I asked BoA to verify that the person was indeed who he said he was and legit, they had no idea how to track who had showed up. I left a message at XXXX. and a few days later they called verifying that the papers should have gotten to BoA. I spent several hours following up to no avail. Finally after three weeks, I was told me papers had been received, but they could n't tell me what the delay had been and where they had been. 
In the meantime, my request has gone to underwriting and they are again asking for additional docs, which could have been sent the first time around. 
I feel there 's a game being played in which I 'm given the run-around. 
Three years ago I had been given a modification, and there were many attempts to send papers, poor follow-up and no coordination between departments. It seems to be a strategy to make it really difficult and place arbitrary obstacles so one is discouraged from continuing. 
I had also followed up previously as to why I received the particular type of modification they gave me, and have never received any explanation.
I am a   XXXX   XXXX   XXXX   . I am counting on Public Service Loan Forgiveness in a few year s.     I have done everything right. I consolidated under the Direct Loan program, and do Income Based repayment ( IBR ) while having to file my taxes " married filing separately '' each year to keep my payments down while I wait for PSLF. I have jumped through every single hoop required to participate in this program.     In    XXXX   XXXX  , I se nt in a certification signed by my employer which indicates I have been employed a t this 501 ( c ) ( 3 ) sin  ce   XXXX   XXXX  .      In response, my servicer s ent a letter stating that they are only counting 7 of my last 12 payments toward PSLF.  They have provided no explanation of why these are n't qualifying payments. I called, and no one  at Fed Loan Servicing ca n tell me anything.     They also claim that some of the payments were made before  Fed Loan  started servicing my loan, but can not tell me WHO would be able to give me credit for these payments.     In  XXXX , they said they would investigate this. I heard nothing, and called back in  XXXX   XXXX . They told me to be patient. I called again on Friday and was told that they still ca n't tell me anything and to give it more time.     I should be able to get a straightforward answer as to the REASON why a payment does n't count. But Fed  Loan Servicing do es n't provide any information or answers to borrowers.     Please help!
On Monday XXXX XXXX, 2017, my home insurance company XXXX XXXX XXXX XXXX contacted me and informed me that Ocwen Loan Servicing , LLC contacted them stating that my home was vacant and unoccupied. XXXX XXXX contacted me immediately and we started looking into the matter further. They then stated that Ocwen Loan Servicing , LLC was listed as the mortgagee on my insurance paperwork. Ocwen is NOT my mortgagee and my house is not vacant. XXXX XXXX Bank is my mortgagee. On XXXX XXXX, 2017, I received documentation from XXXX XXXX to provide to XXXX XXXX stating that they were the mortgagee. XXXX XXXX did no see anything in their system showing that I changed who the mortgagee was. XXXX XXXX also looked into the issue and there was no indication that Ocwen has been a part of my mortgage at any time since purchasing the house. XXXX XXXX ( XXXX ext XXXX ) was my XXXX XXXX case worker.
I am writing both in general, to suggest a new consumer protection, and specifically to complain about a company called XXXX ; please forward this email to the appropriate office for possible further action against XXXX. Years ago, I agreed to a recurring charge in order to watch their video products. For over a year, I have been trying through every means possible to cancel the recurring charges on my credit card. I have repeatedly used their online forms and followed the steps listed on their website, to no avail. I tried calling the company ( finding the number was a research feat in itself ), and further got no action. I have repeatedly contacted the credit card company to cancel the charges, and I think the current options for this situation are too limited. Because the charge is so small, generally the credit card company credits my account and essentially pays the bill themselves. I need to do this each month. I was told that XXXX might even find me after getting a new credit card through the same bank, and resume charging me on the new card. It 's incredibly frustrating that my only option seems to be to repeatedly contest the charge each month, with the result that my credit card company rather than myself pays these thieves. 

I think this situation is very common, and I believe new laws and policies need to be pyut in place to help consumers and to make it impossible for this egregious behavior on the part of companies to continue. It should be possible for consumers to permanently remove recurring charges from their credit cards, without the consent of the company involved. This would shift the burden of re-establishing a financial relationship to where it belongs : back to the company that made it impossible to cancel recurring charges. I write to urge you to make this happen. Companies like XXXX should not be able to succeed in garnering money from recurring charges when they make it impossible for consumers to cancel the charges.
I have had billing issues with Synchrony bank XXXX XXXX cars. I have always made my payments on time never been late. I called in XXXX to get my regular balance for this card, not any of the promotional balances was told I owed XXXX, so I paid that in full, I have them telling me now that I owe XXXX and they charged me a XXXX late fee, I have XXXX promotional balances, No INTEREST, that have not expired, I have talked to so many people and supposedly a manager XXXX yesterday and there is a charge out of ohio for XXXX that I did not put on there, and no one knows anything, I think they are using under handed ways just to get money
I received a phone call from someone identifying themselves as an Investigtor and that they were trying to contact me regarding my brother. It was a debt collector. I do not even have contact with my brother and this company is calling me on my unlisted phone number which my brother does not even have and I do not know how they got it. They are now continuously leaving messages on my cell phone.
I wrote Financial Corporation of America company twice asking them to send specific verification of the alleged debt, In response they evaded and/or avoided my debt verification request in an attempt to collect money they allege I owe them. I have no contract with Financial Corporation of America. 
A final letter mailed from FCoA Corp., that they will not respond to my verification because 30-days had past. Please let the record show that they only mailed me an original creditors bill and a copy of the outpatient care consent form I never received or gave my initials next too. Also, while under heavy med, # XXXX was not read to me, first time seeing this.
13 months ago I took out an FHA home loan through Wells Fargo. We were in a hurry to close on the home because we had a baby on the way and wanted to be in the house by the time he arrived. After being treated extremely disrespectfully by our Wells Fargo home loan representative we finally closed on the house. In a hurry to get into the house we did everything necessary to expedite the process. We went through the FHA program for our house, but there were serious issues that were never addressed, and should n't have passed FHA guidelines. We had peeling paint all over the place, a huge horizontal crack in the foundation of the basement, along with a bowing wall which indicates major foundation issues. Beyond that we have a support beam that is significantly sagging. All of these issues have been present since day one, and only after researching FHA loans did I come to the conclusion that these should have all been fixed. My opinion is that the Wells Fargo representative was solely looking out for himself, and would do whatever was necessary to accumulate another sale. Ultimately I am worried about the structural safety of the building, and I am left wondering why none of these issues were considered a red flag for the lending institution.