WillisBack/dataset-financial-user-claim huggingface dataset:
I received a major amounts of call and it would be a voice system and I would leave messages and never get a call back. The first time I received a collection notice was on XX/XX/XXXX for collection on an account that was discharged in my bankruptcy on XX/XX/XXXX. The debt was held by XXXX/ XXXX XXXX  XXXX . taken out on XX/XX/XXXX in amount of {$5200.00}. 
However this debt was included in my bankruptcy that has already been discharged as stated above. 

After I received the collection I called and spoke to a man named XXXX at ext. XXXX at XXXX XXXX. XXXX advised me that he was collecting on above account that was not paid. But he couldnt tell me the date the loan was taken for or the company who serviced loan, so he would forward info to my house. He proceeded to get nasty after I advised him that this debt was included in my bankruptcy and was discharged. I told mark per my lawyer XXXX XXXX at XXXX that any collection attempts should be forwarded to him. XXXX proceeded to tell me that once the bankruptcy was discharged they had a right to collect on debt. 

I then proceeded to call both XXXX/XXXX XXXX XXXX and was told that they didnt have any information on me in system. I was forwarded just Incase by XXXX id # XXXX from XXXX XXXX to their own collections department. Where I spoke to XXXX and she advised me that they didnt have such debt in their system either. 

So on XXXX at XXXX XXXX I put in a claim against Sentry Credit , Inc. to the XXXX XXXX XXXX claim # XXXX. I recently received a response on XX/XX/XXXX from Sentry Credit inc. Stating that our client received an OCC complaint from the consumer and we are waiting for them to respond before we respond to her rejection. May please get an extension on the due date of our response? 

I called OCC on XX/XX/XXXX at XXXX XXXX and spoke to XXXX id # XXXX said that I nor anyone on my behalf filled a complaint with the OCC. She checked under my maiden, married name and zip code for last 5 places I lived. XXXX was the one to advices me to file a complaint with your bureau because you cover all collection agencies. So I called your agency and spoke to XXXX id # XXXX who advised me after hearing my story to file a complaint online so I can include supporting documents. 

Attached you will find the documents that provide proof that XXXX/XXXX XXXX  XXXX. was included in my bankruptcy and was discharged with bankruptcy. I also attached a copy of my credit report showing that the status of the above debt was discharged and has a XXXX   balance.
RSH & Associates is not showing date of last activity with the credit grantor. I know this is more than two years old because I have not had any medical issues within the last two year.
I 've submitted multiple disputes to Experian in regards to collection accounts that XXXX XXXX XXXX has inserted into my credit report as credit tradelines. I provided documentation to Experian on different occasions and each time the accounts come back verified. I supplied Experian a copy of their own documentation showing how a collection account should be reported and they still have not deleted the inaccurate information. XXXX purchased delinquent charged off credits cards and are now misrepresenting themselves as a Debt buyer and my original creditors which they are not. I have no other option but to file a complaint with the CFPB and the XXXX Carolina Attorney General office. 

These accounts are reporting with payment history whereas there is no provision under the collections segment of a consumer credit file for debt collectors to report payment history profile dates and items. 

These accounts are reporting payment terms as well. Again information that should not be reported by a collection agency. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor, FDCPA 803 ( 4 ). This reporting is frivolous and inaccurate. 

Documentation attached.
Synchronicity Bank aka Care Credit has been handling my account in an unethical manner and I need assistance as they refuse to communicate with me to find a resolution. 
I opened my care credit account because of some urgent dental work that I needed done. The account I opened was a no interest for 1-year account. In opening this account, I received no mail, email or calls. This went on for a couple of months, to the point where I took initiative and reached out to them. They treated me very poorly in this instance and I was merely trying to handle this credit responsibly and avoid any interest. Even after this call I still received no communication. 
I reached after several more months, at which point I spent several hours on the phone as this organization had apparently entered my address, email and phone number in correctly in their system. Giving me no way to respond to or pay for this bill. I had to go to great lengths to have everything sorted out as to avoid any additional payments because a good portion of my 12 months with zero interest had run out by this time. 
Once this was settled I placed them on my auto bill pay through my XXXX bank account. Even though bills werent due until the end of each month I set up my account to pay at the beginning as to further ensure that I avoided any additional fees. 
Having never experienced any issues with a merchant that I paid monthly in this manner I assumed my account was set. However, I noticed on my most recent statement that the principal wasnt decreasing. I called on a few occasions and couldnt receive assistance because of their lengthy call time waits. 
Today, I was finally able to put in the time to wait to sort this out. I was informed for the first time ever that they were charging me a late fee because I was paying my bill each month 2 days prior to them posting my statement. Essentially, I am being penalized for paying my bill too early. So, they have now assessed me several hundred dollars in late fees because I have paid each month early. 
I requested to speak to a senior supervisor as the customer care agents ( who operate out of XXXX ) were thoroughly uncaring about this unethical and refused to help me. I was refused an opportunity to speak to a supervisor and I am now reaching out to the XXXX as I need help with this extremely unfair and unethical business and their crooked practices. 
I spoke to agent XXXX XXXX ID # XXXX today and I explained that this would be my recourse given their unwillingness to do the right thing. 

I simply want this company to do the right thing and remove the incorrect late charges on my account. I believe this totals {$340.00}. I want my billing adjusted accordingly. And if this has in any way impacted my credit I want that rectified. This would include notifying credit reporting agencies and providing me with documentation that proves that this matter was a mistake on their part and that anything on my record should consequently be removed.
To whom this concern.

Back on XX/XX/2010 I found a house at XXXX XXXX XXXX XXXX XXXX with a for rent sign in the window. I called the number XXXX  and a guy answered by the name of XXXX XXXX  and advised me he was with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that I could obtain the property if I could fix the home to suitable to live in and pay XXXX down and XXXX a month until I reach XXXX for the deed to be transfer in my name or I could opt to rent the home. Well it sound like a great idea at the time due to my living situation. So he forward me an application I completed it and he sent a notary to me to sign a contract then I sent him XXXX and I paid XXXX  for a few months then I went to call the number to ask some questions it was disconnected. Then I started receiving letters from different loan servicing companies. So I started to do some research online and found out it was a scam the taxes were not being paid and the contract was never filed with the state of XXXX as a land contract or anything. I started to read online reviews and it said to just follow the lender so as I am getting letters from different loan servicing companies which was about five I believe telling me to pay. I just started to pay seeing as if I just spent XXXX to fix up the home. Then the amount change when it went to XXXX XXXX XXXX XXXX aka XXXX XXXX so I stop making payments and been trying to fight my way out of the home with my good name in tack. Out of all the loan servicing companies who were collecting for whoever this lender is only one has reported to my credit bureau which is XXXX XXXX XXXX aka XXXX XXXX  they had reported this is a conventional loan mortgage, and it is close due to transfer with a XXXX  balance. I am in the market to try to obtain a rightful loan with a bank and I can not get any assistant from the XXXX HOUSING FINANCE AGENCY. Because its reported on my bureau I have a mortgage. Theres no deed with my name on it from the state of XXXX, I have no rights to obtain anything. This is fraudulent I have contacted an attorney who told me to move and walk away. But how can me when its reported to my credit report as if I had a mortgage. I been in contact with sortis financial and they will not remove this from my report they just keep giving a explanation its close as transfer to another lender who has not reported and told me to walk away. I keep disputing this with the credit bureau and only XXXX has removed the remark. Equifax and XXXX  will not remove this remark. Please advised
After completion of reinvestigation ( Report Number XXXX ), Experian failed to provide the Notice required by 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ). However, as a consumer, I requested that Experian, in accordance with 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ), provide a description of the procedure used to determine the accuracy and completeness of the information of the reinvestigation. Experian failed to provide the complete requested description, in that, Experian failed to provide the business name and address of any furnisher of information contacted and the telephone number of such furnisher. See attachment Experian_complaint.PDF ( Experian report XXXX XXXX, XXXX, my letter XXXX XXXX, XXXX, Experian reply XXXX XXXX, XXXX ).
I just submitted my complaint yesterday, case # XXXX. 
I went to the post office after dinner, there is a foreclosure notice from a law firm in NJ. I will try to attach it amd send it tonight. So I look to see when it was mailed, and there is no date on the letter. It is undated. Furthermore, we are told to respond within 20 days of the receipt of the letter. And it is undated? This getting worse by the hour. It is just a XXXX page letter. No date.
TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting ALL inquiries be removed XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
I wanted clarification on the OH installment loan laws. I recently got a {$400.00} loan but am having to pay back a total of {$2800.00} ( which includes a {$2400.00} finance charge ). Is this even legal in Ohio? I wanted to double check before I start paying almost {$3000.00} on a {$400.00} loan. Please help.
Experian is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. 
UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.
My job was eliminated on XX/XX/XXXX 1. Wells Fargo ( XXXX ) placed me on Forbearance program for 1 year 2. I regained employment in XX/XX/XXXX and requested a Modification 3. The first Modification returned with a first payment of {$25000.00} which I could not make. 4.The next Modification came back with a first payment of {$50000.00} and the 3rd {$65000.00} 5. XX/XX/XXXX I filed a Chapter XXXX paying the court monthly payments towards the arears. 
5. My position was eliminated again XX/XX/XXXX and I regain Part time employment in XX/XX/XXXX. No mortgage paid since XX/XX/XXXX 6. Consumer Link worked with Wells Fargo until they received a call in XXXX stating they were no longer going to negotiate with them because my home now had equity ( they were paid monthly for a total of {$2800.00} and I received {$970.00} back when XXXX refused to continue to negotiate. 
7. Several more bankruptcies were filed to keep my home out of foreclosure 8. XX/XX/XXXX, I signed a retainer with XXXX XXXX XXXX from XXXX XXXX, California ( retainer {$2500.00} ), total {$5300.00}. They have done nothing except collect documents from me and tell me I need more income. I have had two brief telephone conversations and no updates. 

My home was scheduled for Auction on XX/XX/XXXX at XXXX XXXX, I filed a chapter XXXX Bankruptcy at XXXX XXXX and notified their attorney 's office to stop the auction, and my home was sold in spite of the Bankruptcy. I was not notified by Wells Fargo that the Auction was not postponed I discovered that information several days later when I called XXXX to discuss options going forward since XXXX XXXX XXXX was doing nothing except waiting for me to get a job. I do have some income from XXXX and two retirements ; however, I do need to get at least a Part- time job. Unfortunately, even though I have two masters Degrees, I am XXXX years old, and it has been very difficult to find employment. 
I have spoken with WFHM Corporate and requested a written response explaining why the Bankruptcy was ignored and why I was not notified that my home was sold after I filed the
I got a two-part in 2000 and loan one for one for {$1200.00} the other one for XXXX I received {$1200.00} but not the XXXX then I receive documents that stated XXXX was refunded and XXXX was paid out which doesn't make sense out of the {$870.00} I tried to call and resolve the matter with no satisfaction.
I have received a collection on my credit report from Credit Management I have not received any mail allowing me to dispute the validity of this debt before they put it on my credit report. Once I have received that I will pay any debt in full once I have reviewed it.It needs to removed from my credit report until then.
I previously disputed an item appearing on my credit report as identity theft. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again. 

The disputed account is : Prosper Marketplace - Acct # XXXX ....
The US Bankruptcy court is reporting a Bankruptcy with my name. The US Bankruptcy Court told me that they do not verify or report this information to the Credit Bureaus. That information was pulled by a Third Party and they reported. After disputing directly to Experian to remove this from my report they stated that is was verified by the US Bankruptcy court and that is a blatant Lie. Therefore the Bankruptcy must be removed immediately from my Credit Report with Experian.
XXXX and Equifax state that they can not provide my free credit report online. XXXX says it is because " A condition exists that prevents XXXX from being able to accept your request at this time ''. And Equifax asks security questions that are not related to me in any way so I do not know the correct answers. 

I discovered the problem as I tried to get my social security statement online. When registering for an online social security account I was asked credit account questions that are not related to me. So I wanted to check my free credit reports for potentially wrong information. This is when I found that Equifax was asking the very same questions that the social security administration was asking. So I am blocked from my free credit reports from Equifax and XXXX and I can not open an online account with social security. 

BTW, there was no problem with getting the XXXX free credit report and there is nothing unusual in it. Somehow Equifax and XXXX have a system in place that results in wrong information. 

Because I can not see the information I can not correct it unless I send a written request with sensitive data through regular mail which flies in the face of protecting this very same data. 

It is a shame that XXXX and Equifax can not or are unwilling to get their houses in order. It looks like they are using the free credit report system to force people to subscribe to their own services.
I had an agreement to resolve my loan via " deed in lieu ''. 
The loan processor required me to vacate on XXXX/XXXX/15. 
They with held assistance until XXXX/XXXX/15.
Bank of America is approving authorizations on my card even though I closed the account. They claim that as long as a merchant continues submitting recurring charges, they 'd approve it. I do n't know how this qualifies as " closing '' an account.
I have told this company CBE Group multiple times that they have a wrong number and the will not stop calling.
On XXXX XXXX, XXXX XXXX XXXX XXXX added a debt in the amount of {$500.00} onto my credit file unjustly. I do not have a contract or legal agreement with the company and this debt does not belong to me. I disputed this item with Transunion and XXXX and the item was successfully removed since they failed to provide proof however they have placed the item back onto my credit file again and this is causing my credit score to decrease. I am in the process of purchasing my first home and this is affecting my ability to qualify for a mortgage. I called XXXX and Transunion to have this item removed again and they are refusing to remove the item again.
My wife and I bought furniture at XXXX/Ashley Furniture XXXX on XXXX XXXX, 2014. We agreed to a 20 month promotion with which we misunderstood the " no interest '' aspect for an initial total of {$10000.00}. We made a payment every month of at least the minimum required, including a {$5000.00} payment last week. It was the interest charged line item on our last bill of {$3700.00} that is the reason for this complaint. Yes, shame on us for not scrutinizing the fine print on the initial paperwork and the monthly bills, but, in our defense, we have never had a transaction like this. I can not believe that it is legal for XXXX/Ashley Furniture/XXXX to charge 28.99 % interest in accordance with their convoluted Finance Disclosure Form concerning Deferred Interest with Payments. We are in our XXXX worked as professionals all of our adult lives ( I am still working full time XXXX ) and feel that we have been taken advantage of because we are busy. This type of promotion is deceptive and fits the definition of usury.
Once I told them that chartity suppose to took care the bills they was very rude they will be hearing from my lawyer ASAP if everybody else was paid off why they still calling.
We have a home loan with Wells Fargo Home Mortgage. We are attempting to refinance our home with another company and when they ran our credit report, they found that Wells Fargo has not submitted our payment information for the last four years. When they call Wells Fargo, they admit there have been no missed or late payments but they refuse to submit the information to any bureau. This neglect has lowered our credit scores and prohibited us from getting a conventional loan. This is going to cost us thousands of dollars over the coming years.
XXXX the credit reporting companies. Calling them " bureaus '' only elevates their status to an institution, which they are not and should never be. 

I tried freezing my credit with TransUnion & XXXX, something I should n't have to worry about in the first place. Both online and automated phone systems are down, and TransUnion has begun obfuscating their freeze function in order to hock their XXXX security product, taking advantage of consumers. 

How the XXXX did this happen ... 

Step up you game, CFPB. I do n't seem many consumers being protected. Quite the opposite in fact. 

Please read the following to understand what hundreds of thousands of americans are currently experiencing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In Reference to Company Credit Acceptance Account Number XXXX   ... ..

In XX/XX/XXXX my transmission blew so the company Credit Acceptance would not offer any assistance so I had voluntary repo the company did not take proper action as the NC law states about repos Currently I have learned they sold the car in a car auction XX/XX/XXXX 0r XX/XX/XXXXhowever through theUCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered. I received no notices also they are reporting inaccurate information like this account is new this account is at least 8 years old which should have been deleted off my credit file which I am requesting that Credit Acceptance Corp Delete in the next 15 days such we all can agree they have not took proper action in notify me of the debt also did not send notify me when the vehicle was auction off and no notification when reporting on my credit file 5 days prior and reporting as if it is a new account. I have attempted to dispute with the Credit Bureaus at least 4 times I was susscessfully with XXXX but XXXX and XXXX it comes back as verity but not ( validation nothing with my signature ). I appericate the CFPB help in this matter.

Sincerly XXXX XXXX
U.S. Bank has been charging me XXXX overdraft fees, the XXXX overdraft fee is charged same day the purchase has been made and the second is charged XXXX hours after the account has been negative. The latter is legal, but not the XXXX charge because it is charged the same day. Not only have I had to pay additional fees the charges have in some instance made my account negative when it would not have been otherwise. I have also received overdraft fees when my account was not negative, the fees were waived, but it has happened on many occasions. In addition to this I have received XXXX overdraft charges for the same purchase, for instance XXXX charged would be stated as an " overdraft fee '' and the XXXX would be stated as a " negative balance fee '', a charge of which I have never received any direct information on. The last issue is that I have received overdraft fees that would increase each day following the initial fee, notices are sent through the mail, but does not show on your statement. I have not kept these statements for record, but others have stated that they have received the same type of fees.
I purchased a XXXX netspend card in XX/XX/XXXX.. I have n't needed to use it and also have n't received any alerts or statements. Today, XX/XX/XXXX, I logged into the online portal and my balance is gone ... months of " maintenance fees '' that I never agreed to and was never informed of either. 

This is not fair business practice!