WillisBack/dataset-financial-user-claim huggingface dataset:
I C System failed to provide any initial communication within 5 days of obtaining this debt that was originally was resold from another debt collector and is a violation of the Fair Debt Collection Practice Act, section 809. In addition I C System hasn't been able to provide any original application or verification obligating me to the debt in question. I C System must cease and desist all collection efforts until the necessary documentation is produced, and immediately remove this account from all 3 consumer reporting agencies if unable to do so.
I currently have a defaulted PRIVATE student loan that originated with XXXX XXXX XXXX. The loan was generated around 2003. After completing XXXX semester of school, I decided to join the military in support of XX/XX/XXXX. I am now medically retired and am XXXX. I am in the process of trying to purchase a home. After meeting with the mortgage company, it was brought to my attention that this debt is preventing me from an approval for a VA loan to purchase a home. The defaulted loan is reporting to only ONE credit reorting agency. I was also informed that the loan has since been sold to XXXX ( whom this complaint is being filed against ) but is being serviced by Allied Interstate. I contacted Allied Interstate to set up a payment plan and was told that they could not accept the terms I brought forward to them and would be unwiling to work with me.
On XX/XX/2019, I received a letter of explanation from Synchrony Bank regarding the privacy violation that I previously reported. 
This letter simply explains resolution of prior reimbursement and acknowleges that they had sent another customer 's letter to me ( XXXX XXXX, case # XXXX ). The letter simply expresses understanding of my report. 
At no time does the letter explain where my original response was sent or if MY PRIVACY was violated. Furthermore, at no time does the above dated response apologize for the error or even acknowledge that Synchrony bank made any errors. 
This is a bold and offensive way for a bank to respond after such an egregious violation.
At XXXX XXXX, I received a call from a collection agency call " Vision Financial '' the collector named XXXX XXXX, he was agressive and insulting. I advised him of the time and he stated that I was " refusing to take care of my debt and I am a DEAD BEAT '' 1. This company calls me once a week, and I have asked them to stop. I have limited minutes on a cell phone. I asked for an address previously to put this in writing, but have been refused. 

2. It is XXXX XXXX, it is wrong and against FDCA to be calling me at XXXX XXXX. 

This company has violated my rights. They have made aggressive and inappropriate comments such as " you are homeless, so you do n't have bills why are you being a dead beat? '' It is inappropriate, insulting,
Prior to my late payments that were reported to credit bureaus. I called to advise them that I was going to be late on payment XXXX payment. This was to avoid late fees. I always make payments on the XXXX of the month. I thought I was in good terms, because I was enrolled in automatic payments as well. Capital Onedid not call me leave a message or advise me that I had 2 missed payments. Which It was not true. I have been in good terms with Capital One. Now they have refuse to remove negative reporting to credit bureaus, can you please help
The hard inquires on my report I did n't request for them, have n't tried to receive no line of new credit, from credit cards are car loans are nothing like that I have over 10 inquires, have no clue where they came from,
Repeated robo/computer-animated voice calls from XXXX  (? ) for XXXX XXXX (? ), which we have never heard of, used, or owed money to. There is no " XXXX '' hospital (? ) where we live. We have excellent credit and have never had overdue bills anywhere. We have received but have not answered telephone calls ( and a number of voice mails ) from ( XXXX ) XXXX on the following XXXX dates/times as documented on our Caller ID : XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XX/XX/XXXX XXXX XXXX  ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX  ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX. It's time for this scam/harassment to stop.
On XX/XX/XXXX, I attempted to use my debit card and it was declined. I contacted XXXXXXXX XXXX and was told that they could only tell me that there is a garnishment and the Law firms name is Frank and Kramer. The woman at XXXX gave me the phone number XXXX to call. I contacted them immediately and left a voicemail stating that I dont understand because I never was summoned or court ordered or served. I then contacted my parents and was informed my mom, XXXX, has been paying a garnishment to Frank and Kramer out of her check each week in the amount of {$50.00}. I attempted to contact the bank again and asked for the court order/ case number. The young lady refused. I asked for the amount of the debt and was given a figure of {$3000.00}. I demanded an investigation. The woman referred me to call back when the garnishment department is in. I informed her that I asked an attorney about this and was told it sounds to be illegal unless I failed to appear in court after a summons. My father called XXXX and was told to come into a XXXXXXXX XXXX and request to be removed as a secondary on my account as I am XXXX and have lived on my own and my money is for my bills to live. XXXX informed him that they could not remove his name, refund the funds or make any changes. He contacted Frank and Kramer and was told they can take everything in my account because my dads name was on my account when we opened a student account in XX/XX/XXXX/XX/XX/XXXX with XXXX. In addition, they drained my sisters account too. From my personal account, Frank and Kramer took the following : on XX/XX/XXXX: - {$50.00} - {$2000.00} On XX/XX/XXXX : - {$250.00} - {$18.00} I now am left without any money to get gas in my car, pay my car payment, pay for groceries, pay rent, pay utilities, get prescriptions that are medically necessary, or pay any credit card bills or other bills. I have XXXX scheduled next week and have no idea how I will pay. My paycheck will be deposited tomorrow and I can not access it now. I am completely without a source of money to live.
I have been trying to work with customer service on multiple occasions to get validation of inquires that have been placed on my report. I have also attempted to contact some of the companies that are listed on my report as inquires but have had no success. The customer service reps have been unhelpful in assisting me in removing duplicate and inaccurate inquires and constantly transferring me to multiple representatives resulting in no correction. Please validate the inquires listed on my credit report or remove them within 30 days as some sure have been added in error or without authorization.
I have been attempting to use the hardship program with community bankXXXX credit card, since XX/XX/2016. I keep getting the run around and feel taken advantage of and disrespected. The company continually gives me false information or lies to me. I have called time and time again and they are not doing anything to assist me in resolving my problem. They just keep trying to get me off the phone and to wait longer. What is the problem? There needs to be regulation. My request is that I was told that I was supposed to have a hardship back date to XX/XX/XXXX, XXXX/XXXX/XXXX/XXXX/XXXX Late Fees need to be removed after 3 on time payments. I have been making on time payments every month since the auto payments were set up by the representative in XX/XX/2016. I was told that was the only way to be in hardship. I keep seeing that my credit report was showing late it said XXXX 30 days, XXXX 60 days, XXXX 60 days, XXXX 60 days. Finally in XXXX on the XXXX I spoke to XXXX ID XXXX she said XXXX was personally working on my account and would call me back ... She never did.. XXXX ID XXXX same day said the history needs to be back dated to XX/XX/XXXX. She said XXXX already was removed and {$130.00} will be removed in XXXX and {$20.00} more in charges and {$8.00} more in finance fees. She said the XX/XX/XXXX statement would show {$45.00} in late fees removed and {$21.00} in interest removed. They said I had to make 3 on time payments to have the rest removed ... this is their error I have made all on time payments since my account is on auto draft, I do n't know what part of that is hard to understand. XX/XX/XXXX spoke to Aeramis XXXX @ credit report needing corrected, she said she is escalating the issue and may reflect in XXXX or send a letter, Neither of these has happened. XX/XX/XXXX Spoke to XXXX XXXX he said the new statement on XX/XX/XXXX or XXXX will reflect a refund of fees {$130.00} and the other money was from another department so he ca n't see about it, he said the is doing an escalation about my credit report. XX/XX/XXXX called again because new statement does n't reflect any refunds either. XXXX XXXX had a very rude tone on the phone said it wo n't reflect until XXXX. Transferred to XXXX who again said XXXX her number is XXXX. I asked her about the escalation that XXXX said he was doing on XX/XX/XXXX she said did he transfer you to a supervisor? I said no she said then no escalation was done. She said she does n't see any records of any escalations. I asked her why people there keep lying to me? Why does n't anyone care? I do n't understand how this company is being allowed to do this or scam people. I should n't be treated like this as a consumer. What can be done to stop this??????
On XX/XX/2018, I discovered a steep and sudden increase in the interest rate on ly business account, from an already outrageous 14.99 % to 18.99 % in one month. I have been a customer with American Express since XXXX who has always paid on time. I spoke with several representatives who called themselves " supervisors, '' XXXX, XXXX and finally XXXX XXXX who claimed that I paid on time, that I did nothing wrong, but after " reevaluating '' my account, this spike in interest was fine. XXXX would not allow me to speak to anyone in a position above hers to resolve the matter.
I did an online money transfer with Western Union on Wednesday X/X/17 at XXXX XXXX. The amount was XXXX for the fee of XXXX. Total for transaction was XXXX. The transaction processed smoothly and a tracking number XXXX was issued. On Thursday morning the receiver went to a western union counter in Florida and she was told no such transaction existed in their system. I called Western Union and someone in XXXX told me they are authorized agents for Western Union and my bank was holding the money and I should ask the bank to release the funds. XXXX XXXX was very clear that the funds were sent from my account to Western Union. I called back Western Union and the man told me it is normal for all money transfers to be kept for several days. I was told there is nothing I can do or anyone else I can complain to. The funds would be available on X/X/2017. At no time during the online process did any indication of the money getting delayed appear as any type of notice. I asked to cancel the transaction so I can use another money transfer service and I was told I would get a refund of XXXX a minimum of seven days after XX/XX/XXXX. This entire experience smells like "bait and switch".
FRAUDULENT INFORMATION ON MY CREDIT REPORTS : US XXXX COURT-XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX OF XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX   XXXX Show Details XX/XX/XXXX Automotive XXXX   XXXX Show Details XX/XX/XXXX Banking XXXX   Show Details XX/XX/XXXX Automotive XXXX   Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX FI Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX XXXX AF Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX Show Details XX/XX/XXXX
I had recently applied for a mortgage loan and was denied. I was troubled by the results because I had recently hired XXXX XXXX to help me in repairing my credit score. After getting denied I asked to view my credit report. So online I viewed it and noticed some disturbing information. Experian has had a lot of errors that has affected my credit for a long time. 
In the personal summary, the XXXX main problems are as follows : The social security number is completely wrong. As well as the names listed. However, I do know the person that is listed on my report. It clearly states that the name on it is XXXX XXXX who indeed is my son and it is also his SSN on my report. 
Which means they are looking at his history and not minds. Also I wondered why was my application for numerous things always being denied and yet it never hit me til now. Because I know my credit should n't be at a poor status even the other credit monitoring companies have a differential in score.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Now it 's been shown that their site to determine whether or not an individual has been impacted is randomly generated. So currently, since I am not able to properly enroll with the site for several more days, there is no actual way for me to know if my information was stolen.
I disputed an incorrect date on XXXX XXXX with Transunion for the XXXX XXXX account listed on my credit report, and a month later XXXX XXXX sent me an notification that the XXXX XXXX account has been deleted off my credit. This dropped my score 117 points. I contacted Transunion and they said they sent a letter to XXXX XXXX on XX/XX/XXXX and due to no reply back after 30 days the account was deleted. I 've contacted XXXX XXXX numerous of times and even reported this problem to bbb.org. I have been getting the run around since XX/XX/XXXX and no one seems to not know what to do. FInally in early XX/XX/XXXX,  someone responds to the bbb complaint and says they re loaded my account information in e-Oscar and the credit companies should see it. I contacted Transunion only for them to tell me that they ca n't see the account in e-Oscar,  and I need to tell XXXX XXXX to complete an re insertion by contacting Transunion marketing services. I was told this by a male rep. I contacted XXXX XXXX to relay the information and they tell me they contacted marketing services of Transunion and tranunion is telling her that XXXX XXXX was never an account on my credit. This is so frustrating, for 2 months I have been on hold to accomplish some life goals, because my credit is holding me back all because of XXXX XXXX. Please help me. I will attach the reply from an XXXX XXXX manager on bbb and I will attach the payment history in e Oscar, and I will attach a screenshot of the notification of the account being deleted.
Chase Bank Card Services, XXXX. XXXX XXXX, XXXX, DE XXXX ; RE : Acct # ending in XXXX sent me a bill for XXXX XXXX {$99.00} ( which I had not ordered and an {$85.00} annual fee which I did not want and through a series of phonecalls on XX/XX/XXXX 2017 with Chase and XXXX we addressed. In XX/XX/XXXX2017 we spoke by phone and as a result you sent to me the fraud form which I completed and returned, on XX/XX/XXXX2017 and I include a copy attached. I assumed it had been resolved to everyones satisfaction. Specifically, XXXX waived the Chase fees at XXXX p.m. on X/XX/17 for the late fee and interest and at XXXX p.m. and on X/XX/17 for the annual card fee, while XXXX at XXXX conceded the {$99.00} fee was fraudulent at XXXX p.m. on the same date I thought it was resolved. A bill arrived in late XX/XX/XXXX so I mailed a letter to you on XX/XX/XXXX 2017 which you did not respond to yet you continue to bill me despite this being previously resolved in a series of phone calls on XX/XX/XXXX 2017 :
I applied for a refinance with Elend and they took my credit card number and assured I would not be charged anything until the process was complete. They ordered an appraisal and charged my account before I was approved. They then tell me they may approve the loan in I took cash out. They just wanted to charge me more and make more money. They will not credit my account. They lied about it to get me to give them my account info. They said I ordered the appraisal.
I sent a validation goodwill letter to both XXXX & Capital originally dated on XX/XX/XXXX asking them to verify the late payments that are showing on my credit report since I never been late on any of my payments. Since I did not hear anything back from them within that 30 day time period I sent them no response letters to each creditor XXXX and Capitol One and I sent Section 609 letters to each credit bureaus dated on XX/XX/XXXX and XX/XX/XXXX asking them for proof of the late payments that were being reported on my credit report. After I sent that I received a response from the credit bureau and each creditor. My response from the bureau included a copy of my credit report : XXXX  sent me an update in which they changed only in regards to XXXX not Capitol One, but XXXX and XXXX did not update anything. I received a letter from Capitol One and XXXX stating they need information from me such as the letter and copy of my credit report in which I sent. Furthermore I sent both creditors what they wanted this included a form from XXXX verifying my personal information and Capitol one requested I provide them a copy of the letter they sent with my credit report showing the late payment and then both creditors sent back letters stating they will not be updating anything and I need to provide more information completely ignoring my request.
I have contacted the company several times about validating the debt or to remove the debt from my credit reports if they could not validate the debt. They have removed the debt from my other credit reports but not from my XXXX. I have sent numerous letters for them to remove and they have not.
XXXX XXXX - Citi Bank has not applied the payment sent on XXXX. The check has cleared the bank but the account has not been credited for the payment.
I started this process in XX/XX/XXXX when I pulled my credit report and seen all of the student loans listed. Some to XXXX and some to Department of Ed with incorrect balances and incorrect late payments. I started on my journey of trying to get those corrected and disputed with the credit bureau and has been unable to get any assistance the accounts just come back as verified. I contacted both the department of ed and XXXX and I have yet to hear back. All of my loans were closed and refinanced in XX/XX/XXXX into one loan. I was in school off and on through the years getting my degrees and never was our of deferment due to being in school. I have been unable to get any feedback on those late payments for XXXX when I was in school before my loan was sold. The Department of ED shows I have 7 accounts with the same account number of XXXX and 3 with account number XXXX. Some of which show a balance which they should not because all of my loans were consolidated. They all show different open dates even though they were transferred from XXXX at the same time. All of the accounts listed under XXXX show a balance of XXXX and the account numbers with XXXX show a balance of XXXX. I reviewed all accounts with XXXX and I have only ever had one account with an amount of {$5200.00} and only one with {$3100.00}. I am not sure what is going on. they still show balances. Show charged off with balances even though I looked on the XXXX and all of my loans are through fed servicing now. Even though they show charge off they also reported a 120 day late for XX/XX/XXXX even though they were sold at that time. This is all confusing and I have gotten no where with getting any of this fixed. No help from the credit bureaus or the company or the ombudsman from the company. I have yet to hear back on any of my disputes on these issues.
The company name is XXXX XXXX. They sent me a letter about an alleged debt. I wrote them a letter back and sent it certified mail asking them to validate the debt and mail that to me. As of XX/XX/2018, they have called my phone number 3 times ( I will not answer them, I have told them previously not to call me ). They have called both of my daughters, my husband, and my sister. Each time they are looking for me and they get upset when they tell them that the number they called is not for me. I am waiting for them to validate this alleged debt and then plan my next course of action but I will not speak to them and for them to call everyone in my family multiple times a day looking for me does not sit well with me. To me that is harrassment since they were told previous to the letter they sent me to not contact me.
I paid the full balance on my secured XXXX card. It 's an account that is secured by my equivalent available credit. The account was in good standing and there was no late payment. After I paid it off, XXXX quickly closed the account on me without any notice by email or letter. I called to inquire and was informed it was closed. I was not given a reason. I was given a number I could call to ask why. I was told that my money would be returned to me in XXXX to XXXX weeks. This is an unfair practice. If the account is secured, I should be repaid immediately. After all, it is my money and not theirs. In addition, why do n't they provide advance notice of their plans to close? I understand they reserve the right to close accounts, but for secured accounts they need to adjust their practices since it is the consumers ' money and not theirs.
Tower Loan continues to run a hard inquiry on my credit without authorization every three months. I have no knowledge of this company or any application for a loan ever.
I submitted an FTC Affidavit with report number, an FTC Complaint number to TransUnion and the Reporting Agency has failed to properly investigate fraudulent accounts on my credit file. I have submitted the same information to substantiate my claim of ID Theft numerous times to no avail. The following account ( s ) are not my mine and were opened without my consent, knowledge, authorization and were opened under fraudulently ; XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 


Per my rights as a victim of ID Theft I demand that these accounts be properly investigated and removed from my credit profile. The FCRA ensures that TransUnion reports 100 % accurate information. I also would like to see any consumer contracts and/or information contained in my credit file submitted as verification by the above referenced debt collectors and/or creditors per section 609 ( a ) ( 1 ) ( A ).