WillisBack/dataset-financial-user-claim huggingface dataset:
The nature of my concern : I received a call and voicemail from XXXX XXXX from XXXX XXXX XXXX XXXX XXXX stating I owed a debt on XX/XX/XXXX regarding a debt they were trying to collect. The FDCPA requires the collection agency to send me a validation of debt with the first 5 days of XX/XX/XXXX which XXXX XXXX XXXX XXXX has failed to do. I disputed the debt and as of today XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX has failed to send me an itemized bill, or validate the debt. 
On XX/XX/XXXX, I received two calls from XXXX XXXX XXXX XXXX from a number they have never used before and they failed to leave me a voicemail stating who they were. I answered another call from them and a lady stated she was from XXXX XXXX XXXX XXXX Pre-Legal Department. I notified her that I disputed the debt, and the phone call ended. 

XXXX XXXX XXXX XXXX XXXX has left my voicemails and called me on XX/XX/XXXX 2 voicemails on XX/XX/XXXX 1 vm on XX/XX/XXXX 1 vm on XX/XX/XXXX 1 vm on XX/XX/XXXX 1 vm XX/XX/XXXX This is despite the fact on XX/XX/XXXX I disputed the debt and per the FDCPA, XXXX XXXX XXXX XXXX XXXX was to stop all communication with me and collection efforts until they mailed me a validation of debt notification. 

Also on XX/XX/XXXX they violated the FDCPA by contacting me without notifying who they were, what there business was.
I filed a dispute against Bank of America Credit Card unit because I took my car into a repair shop and they did not fix it and then they tried to change me additional fees to fix the original problem. I sent several documents to Bank of America by fax and they said they did not receive them and the deadline for my dispute was expired. I filed a compliant with your organization and keep in mind the car repair shop issued a letter stating they did not repair the part of the vehicle that I originally requested repaired. Bank of America has put a negative comment of my credit profile in retaliation to the fact that I reported them to your organization. I recently ran my credit and it said the I filed a dispute of resolution. I have a right to contact you and request a fair and appropriate resolution and it is illegal for them to retaliate with the goal of destroying my credit score. I pay all of my bills on time every month.
On XX/XX/2019 I was alerted by Wells Fargo of fraud detection on my credit card. Because my credit card information has been compromised, I called their customer service line and was told that they would be cancelling my current card and sent a new one. 

They then gave me two options, receive the card in 5-7 business days free of charge or have it " rush '' shipped into 2 business days for a {$16.00} fee. I clearly stated that I wanted the free option. 

Checking my credit card charges later, I realized that they had in fact still charged me for rush shipping. I, again, called their customer service number of XX/XX/2019 and was told they would refund the {$16.00}. 

That card, however, never arrived. Thus, in the same phone call on XX/XX/2019, they again agreed to send me a new card and presented me with the free and rush shipping options. As clearly as is possible, I stated that I wanted the free shipping option. 

The new card recently arrived, and I have been using it without issue. I checked my credit card charges on XX/XX/2019 and saw that I had been refunded the original {$16.00} as promised. However, I WAS AGAIN INAPPROPRIATELY CHARGED THE {$16.00} FOR THE SECOND CARD. 

I was happy to resolve the issue with the company the first time, but since this has now happened twice, I believe there is a pattern to Wells Fargo 's behavior. If they are fraudulently charging me, they may be doing the same to other customers hoping that they do not realize the {$16.00} charge or hoping to falsely claim that the customer requested the rush shipping. 

At this point, I am hoping for more than just a second refund. I believe the CFPB should pursue investigation into Wells Fargo 's practices of charging customers for rush shipping that they did not request. 

I can provided additional information as needed and would be happy to do so. I appreciate your work at the CFPB.
EXPERIAN XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Investigation of Unauthorized Inquiries Dear Sir or Madam, I checked my personal credit report, which I paid for from your organization and I noticed unauthorized inquiries had been made. 
I contacted each of the following companies, who conducted each of these inquiries and requested proof that I authorized them to pull my credit report. No proof has been forwarded, therefore I asked them to remove the credit inquiry they placed to my credit profile. 
I request that you initiate an investigation into the following inquiries and have them deleted ASAP! 
1. ) XX/XX/XXXX XXXX XXXX ( I did not authorize my credit pulled by this company on this date. The only time I have ever authorized XXXX XXXX to pull my credit was on XX/XX/XXXX ), please delete this inquiry or provide me with a document showing my authorization to pull my credit at anytime in XX/XX/XXXX 2. ) XX/XX/XXXX XXXX XXXX - Again I did not authorize my credit pulled by this company on this date. The only time I have ever authorized XXXX XXXX to pull my credit was on XX/XX/XXXX ) 3. ) XX/XX/XXXX or XX/XX/XXXX XXXX XXXX -- - I never authorized them to pull my credit please delete this inquiry or provide me with a document showing my authorization to pull my credit at anytime in XX/XX/XXXX, Please delete this inquiry! 

Once your investigation is complete and you find my allegations to be true, please remove the unauthorized the inquiries and send me an updated copy of my credit report at the address listed below. If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, XXXX XXXX XXXX
On XX/XX/2018 I purchased a dining room set for {$380.00} from XXXX XXXX  XXXX XXXX. The next day I asked XXXX XXXX   XXXX XXXX for a refund. I never took the dining room set. On XX/XX/XXXX I did not see the refund on my Capital One credit card that I used to purchase the furniture. I called to complain to Capital One to tell them I wanted the charge removed from card. The Capital One representative said that until the store refund showed on my credit card account, she would put a credit on my account for the {$380.00}. The refund from the XXXX business did not show up until XX/XX/2018. On XX/XX/XXXX I look online at my Capital One account and saw that I had been charged again for the furniture on XX/XX/2018. I called Capital One on XX/XX/XXXX and asked them to remove the charge, because I did not receive the furniture. I talked to a supervisor and she also refused to take the charge off of my card saying that Capital One was only taking back the credit that had given me for {$380.00}. I told them I understood that, but that I still believed I should not be charged on my card for furniture I did not have.
I am writing in reference to a released tax lien that is reporting on my Transunion credit report as Docket # XXXX. The lien has been released since XX/XX/XXXX. I have filed numerous investigations in efforts to having this public record removed both by phone & by letter most recentlyXX/XX/XXXX and it came back " Verified as Accurate '' XXXX. This same released tax lien was immediately removed by XXXX after 1 investigation. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB in order for it to appear in your credit file. Transunion has not updated their information & per the new law the Released Tax Lien listed does not include all the required information & should be deleted from my credit report.
I recently transferred my loans from XXXX XXXX to XXXX XXXX in hopes of eventually pursuing public service loan forgiveness. After taking nearly 3 months to complete the transfer, Fed loans have incorrectly counted the amount of qualifying payments towards PSLF that I have made ( they count only 12, while my records show 28 qualifying payments ). I call them to discussed this and spoke with employee ID XXXX who stated that she agreed that it appears that an error has been made on their part, but states that it would take a minimum of 3 MORE months to correct.
I can not understand what about counting payments takes 3 months to do. I understand that these payments must be deemed " qualified '', but this company has already had my records 3 months. Now they want another 3 months. It can not possible take HALF A YEAR to correctly count payments, can it? 

I need to make life-altering decisions over the next few months that might be affected by my faith in this program 's ability to do what they have promised.
I XXXX XXXX had a Barclay credit card and I fell back in XX/XX/2016 and broke my XXXX and I was out of work for a long period of time and I am now getting SSA from the government / social security and I have a company that is taking me to court for this debt. they threaten to make me pay XXXX that I do not believe I owe and I now have court paper were they are taking me to court.
I filed for a short sale with  Shellpoint Mortgage Services  and they have continuously put me in a run around. I have supplied a buyer and they are still postponing the approval by stating it has to get approved by a supervisor, investor,  manager, etc. I have advise them repeatedly I may lose my buyer and they do n't care. They stated they have tried to call me which I can supply p hone records to show they have not. My lawyer has called continuously to see what we can do to move this along and they keep giving her the run around. I believe they are trying to push me in foreclosure even though have been approved for short sale and supplied a buyer. I have a  XXXX   XXXX  mortgage and they have extended this well past the 60 day approval process. I 'm in need of assistance badly.
I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX and graduated with a worthless bachelor degree that I have yet to use. As a matter of fact I had to return to college and pay out of pocket for a majority because my student loans were maxed out from XXXX University. This worthless degree cost close to seventy thousand dollars ( with interest ) and up until I returned to college to obtain my XXXX  I was not making anywhere near the amount that they wanted me to pay back for my loans. I barely had gas money let alone close to {$600.00} a month to pay back a loan for a degree that I can't even use. Any employer that I went to would laugh when I told them where I went to school and then proceeded to tell me that I was not qualified for the position. 

Now every month I receive a bill from Navient to repay my student loan. I am making {$300.00} a month payments and will be paying that for a good portion of the rest of my adult life. Apparently there was a law suit that I was not aware of charging XXXX with over charging students for worthless degrees. I have contacted the XXXX IA campus in the past to get nowhere. I even went to the campus to sell them back the books and they told me the books were worthless and that those books aren't even used in their curriculum. I was so proud of all the hard work that I had put into that degree only to get laughed at every time I applied for a job. Please do something about this fraudulent company who cares nothing about the students that have attended only about lining their own pockets. I am now $ XXXX in student loan debt. This reflects negatively every time I try to make a purchase. Its hard to get a credit card, buy a car, buy a house or even manage the finances with this much worthless debt hanging over my head.
I 'm concerned about the XXXX data breach, so I thought I should create an account with each of the credit monitoring companies. I started with XXXX. No problem. Transunion required a credit card number on step 2 to create an account. It said nothing about charges only that I accept by clicking continue. I assumed it was to access my credit information -- I mean, I was just creating an account. I finish and get a notification from my credit card that I have been charged XXXX!! I could n't believe it. I called immediately. They offered to cancel my subscription, they did. I made sure they refunded my credit card payment. They refused. I told them I just wanted to create an account and that no where on the application did it say ANYTHING about charging {$20.00}. I ca n't believe the deception from what should be a trusted source, especially give the recent data breach. I pleaded and they told me to call back tomorrow. I did n't accept. I asked to speak to a manager and she told me there were n't any managers. She cut me off and I begged for her not to hang up. The line went quiet but I could tell she did n't hang up, so I waited. At least 3 or 4 minutes later she came back on and told me she refunded my money. That has not happened.
On XXXX XXXX a investor representative from XXXX, Texas contacted me on my cell XXXX to alert me that my home was going to be place on a foreclosure for sale in XXXX County for {$260000.00} on XXXX XXXX. 
XXXX County Court Judge could be approving the foreclosure sale of my home, as Texas Laws are more in favor with major mortgage lenders and investors.

Round Point wanted me to more do VA Loan modifications and I just decline their offer, because of the sale of my home was unlawfully inflanted to get a high value in XXXX. 
New VA Lender will not reduce the price of my home to {$160.00} or $ XXXX in which on XX/XX/XXXX, this was suppose to be the price of the home and not {$240000.00}. 
My VA Loan is in fraud, scandal and corruptions and VA will not do nothing about it.

Now, New VA Lender Round Point Mortgage wants to put me in collection and ruin my credit and place on collections. 
I am XXXX XXXX and Retired and on Medical Care treament with XXXX XXXX XXXX in XXXX, California, since XX/XX/XXXX till XX/XX/XXXX. 
My home is not vacated as all my furnitures and personal property is in my house. 
Round Point is putting me out in the street with my XXXX status. 

Very Urgent Matters
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Quickenloans/Quickenloan XXXX XXXX, XXXX on my XXXX REPORT This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Quickenloans/Quickenloan XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX
I received a call on or around XXXX XXXX, 2015 from XXXX XXXX, Producing Branch Manager at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ohio XXXX. This was my initial mortgage lender under the name XXXX ( they later changed their name ). Shortly after obtaining the loan it was transferred to XXXX XXXX XXXX XXXX. I have been paying XXXX now for around 2 years. XXXX XXXX was calling to advise me that they were going to be taking back my loan from XXXX. He said he would be sending me the details. I have no current account information for XXXX only XXXX. I, later that day received an email that essentially just said " Welcome back to XXXX '' ( attached ). I have received no other communication from either of the lenders. Later in the month I received my regular statement from XXXX with no mention of this change. It is now XXXX and I have still received no notification of transfer from either lender, no date of when service will stop with XXXX and new service will begin with XXXX and no effective date of transfer, as required by law. I have no idea who I should be making my next mortgage payment to and I do not want it to be paid to the wrong party and not credited to my account.
Since   XXXX  , when my federal loans went into repayment, I have experienced long-term hardship creating difficulty in repaying those loans. Navient ( formerly operating as    XXXX   XXXX   ) wr ongfully steered me into multiple consecutive deferments and forbearances rather than into an income-driven repayment plan despite my having demonstrated a long-term inability to repay the loan. When I did ultimately apply for the income-driven repayment plan , Navient made th e process very difficult. It was also very difficult to reapply for the plan annually.  One year, when I reapplie d,  XXXX  took weeks to process the request even though I filed within their deadline and charged me as if I was not in plan. It took me many phone calls to have the situation rectified. I continue to qualify for, and remain on an income-driven repayment plan . [ Incorporating where applicable, by ref erence : complaints, arguments, and requests for relief from Consumer Financial Protection Bureau  v. Navient Corp., 3:17-cv-00101-RDM ( M. D. Pa. Jan. 18, 2017 ) ( Cmplt ). ] [ See attached spreadsheet for dates, amounts, and actions taken by me or the company. ]
I believe Nationstar has mismanaged escrow, misappropriated payments and is in possible violation of Sections 6 & 10 of the Real Estate Settlement Procedures Act ( RESPA ). 



Mismanagement of Escrow Upon receipt of my Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX, I learned that in XXXX XXXX Nationstar made an extra annual payment for my home owner 's insurance, 6 months prior to it 's due date ; the annual payment was previously made in XXXX XXXX. In so doing, Nationstar plunged the balance of my escrow below RESPA required minimum equal to XXXX of total annual escrow disbursements. 



Prior to the receipt of the Annual Escrow Account Disclosure Statement, I was not notified of this untimely payment nor advised of the potential imposition resulting from the significant increase in my minimum monthly payment for XXXX ; an increase to compensate for their mismanagement. Of further concern is the projected annual disbursement for XXXX includes yet another annual payment for my home owner insurance in XXXX - this will make 3 annual payments for 2 annual premiums in a 12 month period. 



RESPA Section 6 My initial correspondence to Nationstar on XXXX XXXX, XXXX requested an explanation for the extra payment made from my escrow and why I was not previously informed. I requested a copy of the invoice from the insurance company for that extra payment and wanted to know what effort was made by Nationstar to validate those charges prior to making that extra payment. I also requested the name of the person managing my escrow. My request was acknowledged XXXX XXXX. 



After hearing nothing, I sent a 2nd written request XXXX XXXX, XXXX, a XXXX request XXXX XXXX, and a XXXX on XXXX XXXX. It has been more than 60 days and Nationstar still has not complied with my request. This is in direct violation of RESPA Section 6. 



Misappropriation of payments Nationstar records the last payment on my account was received XXXX XXXX, XXXX. They do acknowledge my payment of XXXX XXXX, for the month of XXXX, but it is not allocated to my account. In addition my payment for XXXX sent on XXXX XXXX is still not acknowledged as being received. Regarding this matter I have corresponded on 4 separate occasions : XXXX XXXX and XXXX XXXX, XXXX and XXXX. I have also provided Nationstar with Proof of Payment from my bank. My payments are sent electronically. 



In addition to being in violation of RESPA, these actions represent a significant breach of consumer confidence. My hope is that Nationstar will repair this breach and work to rebuild trust with this consumer. I do not relish having to manage the company whose primary role is to manage my mortgage and escrow. This is my home that 's on the line. It is my credit being victimized. It is the future financial security of my family at risk.
Equifax and XXXX are reporting incorrectly that I am 120 days past due on several student loans with XXXX that have a {$0.00} balance and {$0.00} past due. This is harming my credit score and it is obviously impossible to be past due on something that does not have a balance due.
TransUnion has made no less than two requests for ID information, yet after providing the requested information they have yet to respond which puts them far past the 30-day provision as per CRA rule ... Please see their request and my response ... 
Disputed items below : ACCOUNTS XXXX XXXX INQUIRIES XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$9000.00}
My HSBC business accounts were closed by the bank in 2013, so I personally and specifically asked them to close my personal accounts as well. Last month, I received a statement from them for an open credit card account. It had no billed amounts or balances but it showed the account still open. I 'm concerned that an open account with no activity might pose a security risk and I do not wish to take responsibility for that. Also, it could cause trouble for me if I choose to take a mortgage. Should they choose to close it, it could impact my credit at a time that I need it.
I have tried to re fi with  Chase and  they have left me no option but to sell or let the house go back to them. At  XXXX   years old, I can not take this variable. While I did sign for it 10 years ago, they bought it from Wa Mu for   XXXX  on the  XXXX  so now they have a free ride. I now have a lawyer to go with me thru the sale or foreclosure of this property. If they give me reason, I will file a lawsuit for damages. They are ruining my credit along with my ability to live a serene life under their bogus loan.
I had a fraudulent charge of {$320.00} for XXXX on XX/XX/XXXX. I noticed this charge when it was pending and immediately contacted my Branch Banking and Trust Company to let them know that there was fraudulent activity on my card. The canceled my current debit card but said that since it was posted they couldn't do anything about it and told me once it posts to call back and report it as a fraudulent charge. I also tried contact XXXX XXXX at this time and again on XX/XX/XXXX, but since I don't have an account with them and they are not my cell phone provide they said they can not help me and to contact you. 

I received a letter from BB & T bank saying they investigated the charge and are saying it is a valid charge so they are going to reverse the provisional credit and I'm responsible for the charge. They are only open during the week and I received the letter on Saturday but they are basically saying that they found it was not an error and I am responsible for the charge. I did not incur this charge nor did I authorize anyone to use my account to make this purchase. This is absolutely a fraudulent charge and someone used my account without my permission.