WillisBack/dataset-financial-user-claim huggingface dataset:
I informed the agency contacting me regarding said debt that the debt balance was incorrect! I advised them of such in less than 2 weeks they turned around and simply send me a form letter saying the debt is valid without confirming or checking with the creditor at all! I informed them in writing on knowing that they were simply sending me a form letter without checking out my dispute! They then sent me another letter acknowledging my dilute! Five days later they send me the same form letter again saying this was a valid debt! Again violating the FDCPA. This company in question is Credence Resource Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
I have 2 store cards with XXXX XXXX and I lost my job on XX/XX/XXXX and havent been able to pay the minimum balance. On one of the cards I suppose to have the CC protection that would protect me if I lost my job. I talked to XXXX around XX/XX/XXXX or so to ask for some type of payment extension because I otherwise pay early or on time and I pay extra. They refused and now I get at least 25-30 calls a week from unknown numbers and numbers with area code ( XXXX ) and ( XXXX ). It has gotten so bad to where I had to block the number and now I have 31 voice messages.
I have received the results from previous complaint XXXX from TransUnion. In which it seems as though they are in direct violation of FCRA 623 ( a ) ( 3 ) -Responsibilities of the furnishers of the information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) 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.
( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). <P/>I have also not been forwarded any validation of this debt from the creditor to date. Which I have been disputing for over 8 months. <P/>I am in awe that I have disputed this with your establishment and have not received the adequate justice according to the law. <P/>I have retained a complete dossier on this creditor and complaint. I will next be notifying the Consumer Affairs Division in XXXX, MD should I not receive positive results from this second complaint. I have forwarded to you what I believe is substantial evidence that disputes were made and the appropriate remedies were not performed. <P/>I will again be forwarding to you the same documents and a NEW updated TransUnion credit report.
Disconnected XXXX XXXX Service. Paid the early cancellation fee on XX/XX/2018 of {$120.00}. Returned all equipment by XXXX with a receipt dated on XX/XX/2018. 

Received a collection notice from ERC dated on XX/XX/2018 that they are going to submit this bogus " Collection '' to the credit reporting agencies. and damage my credit rating.
The underwriter for our mortgage through Citizens Bank, XXXX XXXX, has deliberately been delaying our mortgage process. The mortgage application was begun in XXXX 2015. It is now XXXX 2015, and we still have received the clear-to-close from the bank. 
In XXXX 2015, XXXX XXXX finally informed us that there is a termite inspection requirement. She also made a false statement saying that the inspection can not be paid for by the veteran ( myself ) applying for the loan. This is in direct contradiction to federal law ( See XXXX XXXX XXXX ). After informing her of this law, she continued to insist that the veteran can not pay for it. 
Furthermore, XXXX XXXX waited until XXXX XXXX, 2015, to request the results of the water test, which was performed on XXXX XXXX, 2015, which were also forwarded to her at that time. The test consisted of XXXX XXXX and coliform. XXXX XXXX then requested that nitrites, nitrates, and lead be included in the test, again falsely claiming that this was required by the VA. I spoke with XXXX XXXX at the VA Home Loan Center, who confirmed that this is not a requirement by the VA. After informing XXXX XXXX that I spoke with the VA, she redacted her requirement. 
XXXX XXXX then requested a structural inspection of the property, once again falsely claiming it is a VA requirement. And once again, XXXX XXXX at the VA Home Loan Center confirmed that this was not required by the VA. After again returning to XXXX XXXX , she then changed her story and stated that the structural inspection is a requirement of Citizens Bank . I asked her why she did not inform us of this inspection at the beginning of the process, 3 months ago, and she did not produce a response. 
In the beginning of the mortgage process, Citizens Bank informed me we would close on our property in XXXX. I correspondingly made arrangements for my new employer to begin employment at that time. Since we still have not closed on our house, I have been driving XXXX miles a day between XXXX and XXXX County, paying tolls each way. We sold our apartment in XXXX, but since we could not move into our new house, the buyers of our apartment allowed us to continue dwelling there. They finally could not tolerate the delay any longer, and I am now living under my desk in my office, and my wife is living on a couch in XXXX. All of our belongings are in a temporary storage unit.
On XX/XX/XXXX Messerli Kramer ( MK ) sent a me a garnishment notice and started to garnish my wages. It was not until 45 day 's later that I learned that MK was suppose to include in their Garnishment notice an " Exemption Notice '' which would have informed me of my rights and I would have been exempt from the garnishment. By law garnishments must include an Exemption Notice, theirs did not. On XX/XX/2019 I faxed MK an exemption notice. They are still garnishing my wages even though I have legally notified them of my exemption.
Dear Sir/Madam, Good afternoon! My name is XXXX. I opened a XXXX credit card on XX/XX/2016 and spent more than {$3000.00} in next three month. Although I got the reward points, they are locked by Amex somehow when I intend to transfer my points to airline with excuse " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' Could you please ask Amex remove the lock so that I can book ticket with my points? 

Thank you, XXXX
I received notification that one of my credit cards were over-utilized and Experian dropped my score by about XXXX points. It was in fact my son 's credit card and Experian put that on my profile. After disputing it, Experian deleted it but never put the points back. I called them on numerous times and every time was disconnected by Experian when requesting to speak to a supervisor. Also found numerous phone numbers and even employer names that do not belong to me.
Navy federal credit union. In XX/XX/XXXXmy auto loan thru navy federal was total loss. The auto was totaled and I filled and signed out all paperwork to claim as auto complete loss. I even went into a navy federal branch ans signed the title as a complete loss. I financed thru another credit union and nothing came up as a repo and was approved loan. After many years I leased an auto thru a credit union, nothing came as repo. Then in XXXX I am trying to lease another car and repo of the total loss pop up from XX/XX/XXXXand can not get approved for loan. I called navy federal and nobody seemed to care at all and talked to 7 or so people to help me but no help at all. Left 2 voicemails to have issue investigated by navy federal and no call backs at all. I called navy federal the next day and they did not have any info about my calling or anything. Finally talked to someone and they are finally taking a look at the issue. Very unprofessional of a credit union not caring about an error they made. The auto loan was closed in XXXX Of {$2200.00} and some how reopened as a repo and would like this matter taken care of due to navy federal not caring about it. Thanks so much for the help best number to reach me at is XXXX XXXX XXXX or email XXXX. 

Thanks XXXX XXXX XXXX
On XXXX, XXXX XXXX XXXX XXXX XXXX ) billed a Bank of America XXXX BOA ) credit card that was closed in XXXX XXXX. The BOA credit card account was also expired in XXXX XXXX. I called BOA to discuss and they stated they have no control over it as XXXX forced the transaction to go through on the 2nd occurrence after they received a denial the first time. XXXX was billing for an advance time period where service were not yet rendered. I did receive an email notification stating that if i did not update my billing information, my account will be downgraded. Thus the credit card on file will not be charged.
Hi, I will keep it precise in points : Please find my complaint details in points below.

+In XX/XX/XXXX I received a phone call from XXXX XXXX ( XXXX XXXX XXXX XXXX ) claiming I owe {$820.00} in the form of move out expenses.

+ I moved out of this society by the name " XXXX XXXX '' located in, XXXX XXXX, in XX/XX/XXXX.

+When I tried to get more details, she refused to share any details with me very rudely and threatened me that my credit score will be ruined if I do not go ahead with the payment.

+Although I bought me some time from her, asking her to get back to me in a few days after I double check with the Real Estate company involved, I was told that the company was taken over by some other firm.

+On my second interaction with her, I asked her to provide me with a legitimate letter head document with the details of the costs involved.

+She however went on to disagree with me bluntly and said if I can pay the half of the amount and eventually consolidated my doubts about the claims being false.

+She sent me a scrap document which has no credibility, no letter head whatsoever etc.

+I was a XXXX XXXX  at that point and could not afford to pay this false amount and I am sure that all the points they have listed on the document are not true and are subject to verification.

+I will attach the file she sent me which will give you an idea of this scam.

+I also searched online and turns out that a few more people have been a victim of this scam.

+This account is now on my credit score and is effecting me monetarily, I am facing difficulties getting loans and other credit related processes.

Warm Regards,
Over the course of the months, I have had numerous issues with this company where one instance one of the collectors got out of character with me, but I've retain a attorney XXXX XXXX XXXX in  XXXX FL and we would like to settle alleged debt for {$1000.00} and have until the end of the month to pay.I will make payment via phone with my attorney as 3rd party to confirm my payment and I once payment is made will be looking for a settlement letter as confirmation.
AFTER REVIEWING MY RECORDS I FOUND A CHARGE ON MY CARD FROM XX/XX/15 DONE BY XXXX XXXX XXXX FOR {$750.00} I CALLED BANK OF AMERICA AND WAS NOT ONLY TRANSFERED 6 TIMES BUT WAS ON HOLD FOR  OVER TWO HOURS. THEN FINALLY SPOKE TO A VERY NICE MAN XXXX WHO WAS EXTREMLY HELPFUL HE TOOK MY FRAUD CLAIM AND EXPLAINED I WOULD BE CREDITED. AFTER A FEW DAYS I GOT A LETTER STATING THAT THEY REVIEWED THE COMPLAINT AND SAY THERE IS NO FRAUD, AND THAT IT IS TO OLD FOR THEM TO HELP ME! I NEVER GAVE THESE PEOPLE MY INFORMATION, AND AM VERY UPSET THAT I WOULD HAVE TO PAY FOR SOMETHING I DIDNT DO!
MY NAME IS XXXX XXXX I AM ON TITLE AND MORTGAGE BUT NOT ON NOTE BUT RECEIVED A RIGHT TO CURE NOTICE WITH MY NAME AND BORROWER XXXX XXXX XXXX ON XXXX XXXX XXXX XXXX  MA XXXX   carringtomn mortgage in violation of MGL 244 35 .right to cure received was only 90 day should gave been 150 day.carrington mortgage did not fullfill all guidlines ounder mgl 244
These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX one main XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXX I only applied to two lines of. Credit and neither run your credit score to get approval it 's secured credit card
Ocwen canceled my mortgage debt in the amount of {$490000.00} They sent me copy of the XXXX which I placed on my tax return and caused me to owe taxes. 

I applied for a modification with Ocwen in XX/XX/2016 at the begginning of my foreclosure case. I informed Ocwen since they canceled part of my mortgage for {$490000.00} that the modification should only be on the amount of {$350.00} and not on the original amount of my debt. 

Ocwen refuses to acknowledge or deny the cancellation of debt. Ocwen obtained the benefit of the tax write off when they send the Internal Revenue Service a XXXX and caused a taxable event to be attributed to my personal taxes. It is unfair that they are able to obtain a tax credit and still try to get me to pay the full amount of the original debt which they partially wrote off.
I got a phone call at my place of employment for a debt that was not mine. I am a XXXX XXXX and the phone call was recorded. Due to the nature of my job I am not to have poor credit. Now it appears to my employer that I do. The caller stated the person with the debt had a date of birth as XX/XX/XXXX. This is clearly not me.
In the process of obtaining a 7-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies. Contained therein was an account for Nissan Motor Acceptance under account number XXXX. <P/><P/>Vehicle purchase in XX/XX/XXXX - it was traded in without a single delinquency in XX/XX/XXXX. With that said, the XXXX, XXXX and XXXX credit reports each contained 1 single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/><P/>I disputed the erroneous late payment with Nissan Motor Acceptance, in addition to XXXX, XXXX  and XXXX. It was my contention that this account was never delinquent. <P/><P/>On or about XX/XX/XXXX Nissan caused this account to be " updated '' at the XXXX, XXXX and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/><P/>My credit score at the XXXX, XXXX and XXXX consumer reporting agencies immediately dropped more than 90 points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/><P/>I contacted Nissan, in addition to XXXX, XXXX and XXXX to report the error. Nissan Acceptance advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/><P/>I entered a dispute on XX/XX/XXXX with XXXX, XXXX and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.
I have entered into a Debt relief program and they instructed me not to make monthly payments. One Main Financial in XXXX XXXX, NE has called me at least XXXX a day at home for the last XXXX weeks and has now called me XXXX at work, I am sure those practices are not legal. I have told them last night to never call me at work again, so we will see. I have called XXXX XXXX XXXX and informed them of One Main calling me at work and they stated I needed to make a report through you and they were going to send them a letter to stop.
I was scammed from the Internet of {$40000.00} from my Former WELLS Fargo bank account including my credit Card. The bank did nothing to stop these professional scammers from taking the money out of both by checking account and credit card. They made me believe that they were putting money in my account so I could sent it to their in-need relatives in XXXX. IN reality they were removing all the money from my bank account. The bank has denied all my requests for help. Now they want me to pay them over {$10000.00} for credit transfers I did not make.
There is a public record entry that was placed on my credit report and I have been trying for over three months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get this inaccuracy rectified. This is my fourth attempt to dispute this item in which I have not received satisfactory results. 
On XX/XX/2017 I mailed a notice to TransUnion in effort to have the inaccurate item removed or for the credit bureau to produce written documentation ; in reference to how TransUnion has verified this erroneous public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request, I have spoken with various customer service representatives and 3 of the 5 informed me that the request/dispute is sent as a message to the courthouse and once the court verifies it, the information is sent back to the credit bureau. At that point, I advised the representative that I would like to cancel this dispute and they advised me that because the dispute was already sent to the courthouse, I will need to contact the court directly with my name and the case number. 
After seeking legal consultation, I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. 
At the point, I contacted TransUnion once again and spoke with another representative ; this time she advised me the information is verified by a 'runner ' who goes to the court house. I asked what information does the 'runner ' give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question ; as a result, I requested to speak with a supervisor. The supervisor advised me due to this being an ongoing re-investigation ; therefore no 'runner ' is involved. She advised me that they use a form which is sent r to the courthouse. I asked what type of form and exactly where the form it sent as the court clerk confirmed that they do not verify any information with the bureaus. Furthermore, I asked if she could provide me with a copy of this form. TransUnion refuses to give me any physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. I am requesting assistance in getting this ongoing issue resolve.
This is now the XX/XX/XXXX payment that has been misallocated, this is also my second formal complaint. It seems that the only way for my payments to be allocated correctly is by me filing formal complaints. The current issue is my auto debit since XX/XX/XXXX has been {$300.00}. Now, XX/XX/XXXX the auto debit only made a payment of {$270.00}. Not only was this the wrong amount, it was also not allocated correctly. My simple instructions for my payments were to apply the minimum amount due for each loan group and any additional amount should have been applied to group A, my highest interest bearing group. I want my payments to be allocated correctly, i want my auto debit to be the correct amount, i want all my future payments to be allocated based off of these simple instructions : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. 
2. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. 
Since this is now the XXXX time i 've had an issue i want assurance i will not have this issue again. This is federal money that they 're handling and misallocating payments has already been a hot topic for a " competitor '' company, XXXX.
Transunion had glitch in their system that violated the rights of their consumers under section XXXX 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.
I have a lease with US Bank XXXX, I moved to Idaho from Arizona, it took me 10 plus phone calls and 2 trips to mvd to finally get them to release the title to the state of Idaho. This process took over 2 mths. A month later my stmt shows a fee of {$25.00} for title transfer. I called US Bank, they read through my file and cust serv rep said since they put me thru so much of a hassle they would waive the fee. A mth goes by, my next stmt shows the fee again. Again I call same response, we are sorry we will waive the fee. Another mth goes by, fee still on my mthly stmt. I give up and wait until my lease is nearing term, I call again, now I get another cust serv rep mgr ( who I asked for ) I explain my situation, they said they can see all I went thru to get the title work transferred but the fee is legit since they did transfer the title to the state of Idaho. I told them they promised to waive the fee twice and it never got taken care of. Cust serv rep mgr told me they are not going to waive it unless I have a written stmt from them stating that they were going to waive it. This conversation escalated into myself getting very angry, the rep was rude and told me that they will never waive the fee now! I told her I will NOT pay it and they better not put anything negative on my credit report. I have a XXXX plus score with excellent credit, I should be a customer they want to retain but this is how they treat their sat paying customers? This is a scam ... ... ..
The first issue is that I closed my account and there is a XXXX balance that they will not return. 
The second issue is that I filed two disputes for products not received, they want to credit my closed account but yet they will not return the current balance. The current disputes are : 1, {$2400.00} - for door purchases, never received the product, order canceled but bill wad paid in full 2 {$120.00} - for door handle purchased, never received the product, order canceled, billed paid in full. 

So, in total this company has been paid {$3800.00} of my money and they will not refund it. When I call them, i get the run around and still my money has not been returned.
Interest was charged to my account during what I believed was a six month interest free offer through First Bank Card -- -First National Bank of Omaha . 

My first billing statement was issued XXXX XXXX, XXXX with the first payment due XXXX XXXX, XXXX. I paid off the entire balance on XXXX XXXX, XXXX. Later in XXXX I received a statement issued on XXXX XXXX, XXXX which had a balance of {$37.00}, the only charge being {$37.00} in interest. I contacted First Bank and was told that 0 % interest began the day I activated the account, XXXX XXXX, XXXX. I said I was under the impression that six months would mean six billing periods. They said, " six months is six months '' and that I had to pay the interest charge. I said I would pay in dispute so as not to impact my credit rating. 

I have researched other 0 % credit card offers and they typically refer to months and billing periods interchangeably in regard to their offers. I believe that the marketing of the offer by First Bank Card was deliberately vague and misleading. The fact that there was no interest charge on the XXXX XXXX, XXXX statement would indicate that six months is not six months since I activated the account on XXXX XXXX, XXXX.
got a phone call from gray cloud recovery XXXX claiming to be representing speedy cash. i called speedy cash and they do not have an account with XXXX. they asked for my debit card and also claimed garnishment