WillisBack/dataset-financial-user-claim huggingface dataset:
Here is the THIRD written formal complaint/DISPUTE to US Collections West and XXXX at XXXX XXXX XXXX XXXX for encroaching my rights as a consumer with multiple violations of False and misleading statements and attempting to collect on a debt amount that is not owed. 
I am disputing the following : The lease was terminated early due to a domestic abuse situation with my ex that took place at the apartment. The apartments were notified and given a copy of the police report and protective order ( that the Town of XXXX filed for me ) and the collection agency was too. 
The date on my written move out notice was changed to a month later without my knowledge/approval/initials. 
The eviction mark on my credit report. 
EVERY outstanding charge ( which I have already requested an itemized break down in writing on XX/XX/XXXX and was told by the apartments the records were in storage! ). 

To further add, I submitted my first written dispute in XX/XX/XXXX and received NO supporting documentation or even a sufficient resolution/explanation to the dispute. On XX/XX/XXXX I was provided a print out of an email from the apartments simply stating we verified the balance is still due for apt # XXXX. Completely bypassing the detailed dispute letter sent in XX/XX/XXXX that included the points above I am disputing. 
Then, XX/XX/XXXX I receive a letter from an attorney retained by US Collections West stating I am going to be sued for {$2800.00} unless I dispute the validity of this debt in writing they will assume it is valid ( I just did this in XX/XX/XXXX ). So on XX/XX/XXXX I submitted in writing via email to XXXX and a XXXX XXXX XXXX, XXXX who on her email signature states she is the Assistant Community Manager to XXXX XXXX ( apartment complex we are discussing ) re-disputing these remaining charges who she told me the records were in storage and XXXX hasn't responded or even acknowledged they received my dispute and are working on a resolution. I paid {$1800.00} in XX/XX/XXXX that was advised by a representative US Collections West ( which wasn't even the correct amount and have emails to prove that as well ). I have tried to make this right, but both the collection agency and the apartment complex are violating many rights as a consumer.
On XX/XX/19 my work received a letter from XXXX XXXX  to garnish my wages on my federal student loans for XXXX! This is the same company who over two years ago had my loans and did a qualification program where I paid them for 12 months then I would qualify to go to a lender who would consolidate my loans and base my payment on my income! After 9 months they sold me and had no info on me including who the new lender was! Now they are trying to do the same thing! I do not want to deal with them
XXXX is reporting that I have two outstanding loan balances through Department of Education-Nelnet as of  XX/XX/XXXX. The accounts were closed as of XX/XX/XXXX. I have submitted two disputes ( once in XX/XX/XXXX and again in XX/XX/XXXX ) with information documenting both showing {$0.00} balance and both disputes have been denied. 

I submitted my Loan Summary/Mortgage Verification letter ( the only letter Nelnet was able to give me ) and my StudentDataDocument from the XXXX XXXX XXXX XXXX XXXX - both showing I have a XXXX balance for all my student loan accounts. 

XXXX  has denied both my disputes saying the information being reported is correct. They have documentation showing Nelnet " reported '' balances on my account on XX/XX/XXXX. Upon contacting the creditor, Nelnet, they are showing they have not reported anything to XXXX  since XX/XX/XXXX. 

When I call XXXX they say that Nelnet is still reporting ( on XX/XX/XXXX ) that they balances are correct. I have submitted all the documentation that I have showing the accounts are paid off. I don't know if XXXX is wrong or Nelnet is wrong but the information being reported on my XXXX  credit report is incorrect. The balances have been paid off ( on XX/XX/XXXX ) and should be removed from my credit report. 

I called XXXX and Nelnet multiple times to get this resolved and they were unable to handle my request. I think it is ridiculous that CRA 's and creditors are able to report incorrect information about me and yet are unable to give me a straight answer via a simple phone call. These are billion dollar organizations and I am having to solve these issues from my kitchen table. These organizations should be held to a higher standard when it comes to servicing the people they are profiting from.
I asked for proof to verify this debt belongs to me, they have only sent me a typed up statement with a name on it, this does not verify that this debt belongs to me. The company has failed to send orginal documentation to validate and verify this debt is mine.
Received repeated phone calls concerning a XXXX account. Requested name and address of original creditor, copy of signed contract, delegation of authority, and a complete accounting / statement of payments, interest, and fees associated with the collection account. This information has not been received from the debt collector, yet I am repeatedly harassed with voluminous phone calls
My wife and I filed bankruptcy in XXXX XXXX. The bankruptcy was discharged in XXXX XXXX. A Wells Fargo credit card was included in the bankruptcy. Wells Fargo continues to report the balance is owed and payments are delinquent.
I filed for bankruptcy in XXXX of 2016 and it was discharged on XXXX XXXX, 2016. I have received several calls from a bill collector, XXXX XXXX XXXX, threatening me with legal action if I do not pay the balance on my XXXX credit card. They have threatened to garnish my wages and to send someone out to my house. The collector advised me that since he just " purchased '' the account, the bankruptcy does not apply.
I renewed the loan and the employee made an error and now I am being harassed by the company stating that I have XXXX loans which I was never told about until I stated receiving calls and threats. The vice president stated that if I do not pay due to their employees error that it will negatively affect my credit. I have the paperwork that states that my loan was paid out due to renewal.
XX/XX/XXXX I had a payment due with Navient and autopay was setup on wrong account. I was charged a NSF of {$0.00}. I paid this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I called too many times to count. Calls are r ecorded also. I  will never be able to pay off {$0.00} unless I pay entire balance and payments are not able to allocated to this {$0.00} only if What several reps over 5 months have told me. I also on income based repayment plan of {$0.00} but still have to pay {$0.00} each month. 
Navient is stealing money since no customer are able to get correct information and uncomfortably long wait times that you feel you should apply for a position with them since you have to put aside at least 3 hours for any situation.
After consulting with an agent Concerve collection agency, hoping to repay this loan, i was notified by my Employer about wage garnishment. 
this transaction begins XX/XX/XXXX and ended on XX/XX/XXXXA certification document was forwarded to my Employer about cancellation and released Yet still various notifications have been forwarded to me, in the same format of collections and wage garnishments. 
I have paid the amounts listed, but continued to received other notifications of owed monies and interest rates. 
Since paying off the principal amount, and also the second assumed debt, i have since received bills for cents amounts. 
This is creating an depressing situation upon my psyche as per when does this error and continued creation of bills end .Thank you.
Fedloan Servicing, a Department of Education Servicer stated that my student loan payments in XXXX 2016 and XXXX 2016 were returned due to " insufficient funds. '' This is not accurate since bank statements in XXXX, XXXX, and XXXX 2016 reflect the payment deducted from my bank account and never returned. In addition, there were zero insufficient fund ( s ) fees attributed to my bank account. I have provided full monthly bank statements to Fedloan Servicing and was told each time that the documentation was not thorough. My calls were escalated to a supervisor named " XXXX '' ( employee id # XXXX ) who stated all that was required was full monthly bank statements indicating all debits/credits including the deduction of my student loan payment during these months. Recently, XXXX stated the processing department would more than likely deny the bank statements since they did not include full account balances. The bank I use does not provide full account balances on their monthly statements. I provided the necessary documentation originally requested and have complied with all requirements. The bank statements for the months in question prove the student loan was deducted from my bank account and never returned. There are zero insufficient fund ( s ) deductions as well.
I am unemployed and applied for the Keep Your Home CA program ; was a few days late with my XXXX 2015 paymt to BofA when the online payment system asked for a reason I told them I was working with KYHC. They started sending me home mod./foreclosure alternative paperwork via overnight XXXX and calling me daily and sending me letters requesting documents. I repeatedly notified them of the status and progress with KYHC and was even told at one point I would only be called one time per month for a status check. I am called at least weekly by " XXXX '' and asked the same questions. I received letters from her ; most recently one stating they will be receiving funds from KYHC, but she still calls me on XXXX/XXXX/15 wanting to know when they will receive XX/XX/XXXX Mortg. pymt. I am current! I have been current. I am current on my now second mortg.! She claims the letter is auto-generated ; has no clue what is being sent from her own organization ; calls and sends letters constantly ; I am current, they will get paid as always ; Bof A will never get my property ; why do n't they spend their money playing their precious employees to spend their time calling people who are behind? Or is all of America on time with their mortgage? I reached out to Bof A 3 years ago for assistance when I fell behind due to taxes owed ; since I was not underwater, they made my HELOC a second mortg, my fixed rate a 40 yr mortg. and now I can not refinance ; but I obtain help from KYHC and I can not get BofA to leave me alone. I am current and they will not stop calling and sending me letters, that is harassment! They had NOTHING for me when I needed their assistance, what possessed them to flood me with calls and modification paperwork once I informed I was working with KYHC? Less is more apparently. I will lean toward keeping them uninformed in the future. I have zero trust in the BofA. I can not wait to get on my feet soon with a job, repay KYHC what little I will owe them, sell this property, gain the equity I have in it and never again allow BofA to carry a home loan for me!
HSBC Bank sent UNSOLICITED " Prescreened-approved Master Card credit card that advertised 0 % APR forRef. : Master Card acct # XX/XX/XXXX On XX/XX/XXXXmy referenced account was charged with {$18.00}. I called their Customer Service and to my surprise and dismay I was informed that it is interest on my balance of my card. I opened this account only because they UNSOLICITED, mailed me an offer with 0 % APR. Nowhere in that offer it was mentioned the interest rate for purchases but ONLY that 0 % APR on Balance Transfers only misleading me to believe that 0 % applies on purchases as well. This is a masterful technique to mislead the consumer to believe so by omitting the proper information and it is misleading, immoral and borderline fraudulent. After receiving my Credit Card, I again called Customer Service to verify that 0 % APR as well as its expiration date, in order to proactively protect my self from any deceitful, well by now aware of such practices through my past experience with financial institutions, and I was again notified of the 0 % APR, again with no disclosure or distinction to purchases. 

As a result, on XX/XX/XXXX I electronically paid the amount of {$2800.00} effective due day. This amount paid off and in full my credit card account/balance re reference with the exception of the {$18.00} of the improper, deceitful, and fraudulent Interest Charge. This practice is not only immoral but illegal and I reserve the right to report this practice to the proper authorities and/or regulatory agency/ies. 

I sent to the Bank a registered letter disputing the charges due to deception. They have now sent me a bill with balance of {$37.00} including outrageous penalties and denying that they ever received my letter mailed to them registered Tracking # XXXX on XX/XX/XXXX. 

This Bank is practicing deceptive, illegal and immoral promotional practices to lure consumers in and charge outrageous fees.
I was given information from a Chase Credit Card representative regarding an interest charge which was false and contrary to the terms of my credit care agreement. A supervisor, on a recorded call, acknowledged that this information was incorrect, but would not fix the erroneous charge.
XXXX   XXXX   did n't replying in a timely manner to my initial letters, or have they to date after  4 c ertified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action (  or in-action ) on their behalf has resulted in a small claims action against their company in   XXXX   XXXX  .     As well they did not place on my credit report that I was disputing the account.     I also am filing lawsuit against  XXXX ,  XXXX   &   XXXX  for not investigating nor responding to me as well, and taking no action when   XXXX   XXXX   did not reply.
My membership rewards points are still frozen after I reach {$3000.00} spending in XX/XX/XXXX.
I 'm handling the estate account for my deceased domestic partner. I went to Bank of America on XXXX XXXX, 2016 to withdraw the funds from his account to transfer into the estate account. The helpful and friendly employee helped me submit my initial request and I was told I 'd hear something from them in 7-10 business days. I heard nothing from BofA in the following month. I went back on XXXX XXXX, to see what was going on. BofA generated a letter on that date, which was in the account computer files, accessed by an employee at the branch. I never received that letter from BofA by mail. The same employee helped me submit the rest of the paperwork that was now required. We sent the notarized documents via fax to the appropriate department and I was told I would receive a check in 7-10 business days. I heard nothing from them in the next 5 weeks. I went back today, XXXX XXXX. I worked with the same employee from the second visit. She said that the department was supposed to contact the XXXX XXXX 's Court with a question, but they had failed to do that in the five weeks between visits. She was appalled, helpful and very apologetic. I do not understand why it has taken 3 visits and more than 2.5 months to get this resolved.
In the beginning of the year i took out 2 auto loans one for a truck and one for a car from USAA. USAA accepted a payment on XX/XX/XXXX for the truck loan. On XX/XX/XXXX i set up automatic payments to be drafted out of a different account beginning in XX/XX/XXXX and then on XX/XX/XXXX they took another payment for the truck and on XX/XX/XXXX they took a payment for the car causing my bank account to hold a negative balance. and generating a non sufficient fund fee of {$25.00}. they refused to refund the {$25.00} or admit that their computer system made an error. I believe this is another example of fraud by a large bank to generate unnecessary fees against consumers.
Equifax is reporting a debt that I asked them to validate to no avail. A medical collection account # XXXX for {$210.00} It does n't even show who its from nor the name of the collection company. Please show me the contract bearing my signature, the last payment is incorrect and the amount is inaccurate. I 've asked this account to be removed previously according to the FCRA.
I was given a business check by a person who was supposed to buy an item from me. The bank cleared and cashed the check the following day ( I trusted the bank to know if the check was good or hold it if there was any uncertainty ). I deposited the check on friday XXXX/XXXX/2017 and the cash was available on XXXX/XXXX/2017. I assumed their was no problem with the check and procceeded to follow instruction of the buyer of this item. I then money grammed the remaining balance after taking out for my item to the person who was supposed to come pick the item up. Everything was fine on my account with {$60.00} something dollars in it to use cautiously because I am a XXXX single mom and need to use every dollar carefully. Around XXXX on monday XXXX/XXXX/2017 I received a decline on my card for a less than price that I knew was in my account. I immediately got in my vehicle and checked my account. It was XXXX! I called the bank immediately and asked them what is happening. The person I spoke to was very rude, I asked if I could speak to someone who understands whats happening and if they were available and I was told " I just told you what to do, I do n't see any reason for you to speak to the branch manager! '' I told her I need to and can you please have her call me. The following day the branch manager was as equally rude explaining only that I am responsible for that balance and that I need to wait until the XXXX and there 's nothing I can do. They said Im not allowed to shut my account down to prevent further fraud. They are expecting my direct deposits ( only income source for the month to support my daughter and I ) this month to go towards their lost balance. I asked about opening a different account and basically the rude first person and her branch manager were standing there in front of me with their arms crossed. I made other calls and have been to the police, fbi and banks. Meanwhile before the check is even deemed fraud on the XXXX they have taken out about six or more and continuing overdraft fees of {$38.00} all circling around this deposit. This is a very upsetting event for me all the way around. I 've had to put my life on hold since the day I trusted the bank to be more knowledgable and helpful in an event. I did n't think for a second the bank would cash something that even has the possibility of being suspicious and trusted them to carry through accordingly. The poor attitudes and unwillingness to help from the staff and even branch manager are very hurtful on top of a crises. After this is settled and they rack up more than their share of my and my daughters living I will never do business with them again!
While looking at a bill statement from XXXX XXXX, I noticed a " debt protection '' fee added on. Such a feature was never discussed, advertised or offered to me when I applied for the card years ago. The online customer rep could n't cancel the " debt protection '' fee and referred me to a phone number to call. I called and managed to have the " debt protection '' " service '' cancelled but could n't get a refund for years of unnecessary billing for a service I was never offered or signed on to.
I could afford it any longer. I defaulted on it. The company is XXXX cash advance. They are rude and threatening me and with legal actions. They called my son and said that he was on the application which is not true. I told them to never call my son and they said i had not rights to call and make demands, who did i think i was and so forth. I called and got the name of the company. Delaware XXXX. XXXX XXXX XXXX XXXX De XXXX fax XXXX XXXX XXXX i want them to stop calling my son
XXXX XXXX - Credit card taken out in my name that I was unaware of, charged thousands of dollars to, paid by my business account with USBANK without my knowledge.Have reported to local law enforcement, company fraud division, FTC. 
XXXX credit card - Credit card taken out in my name that I was unaware of, charged thousands of dollars to, paid by my business account with USBANK without my knowledge.Have reported to local law enforcement, company fraud division, FTC. 
USBANK - Business account illegally opened without my presence, had a party unrelated to the company on the account who was in fact the one who had opened the account. A total of XXXX in fraudulent charges to this account. Only recently discovered this when an investor was looking into purchasing my business and began questioning all of the non business related expenses. Have reported to local law enforcement, company fraud division, FTC. 
XXXX XXXX XXXX  - unauthorized signer wrote XXXX check to a friend. Have reported to the bank, local law enforcement and federal reserve.
Hi, I filled out my information for an application for XXXX XXXX and then canceled without submitting the application. I then got noticed that my XXXX credit was pulled on XX/XX/ and then again on XX/XX/. Please remove these two inquires being reported on XXXX.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Since it has gone well past the 30 day time frame and the company can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to, " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Good day and a happy XXXX holiday to all of you ... 
I am being defrauded by my bank-Bank of America via a direct deposited check paid monthly by one of my renters-directly to me. He lives in XXXX, XXXX and uses the XXXX in XXXX. My B of A banks are down here in the XXXX XXXX XXXX. They have cheated me before. But this time, on XXXX XXXX, the XXXX had sent an electronic check to the B of A and it was endorsed and stamped as received and a copy sent back to said bank and to my renter. I never saw that money. I got into it with B of A reps. yesterday and they promised to credit said amount that apparently went through their " bill pay '' system and they did n't know what happened thereafter? That evening the amount of {$500.00} was credited to my account. And here we are a day or two later and the money has disappeared once again from my account. B of A is trying to cheat me out of money they received/took/deposited somewhere and credited to the other bank? 
Please help as this is totally overwhelming and my account can not handle this missing rent check. Same said property needs a well repaired & I can not do it without said money. The renter is elderly and can not understand what is going on? 
many thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX