WillisBack/dataset-financial-user-claim huggingface dataset:
National Recovery Agency XXXX keeps calling my cell phone to collect a debt. I have no idea who these people are. I receive 4 to 5 calls daily, sometimes they hang up when I answer, other times it is a pre recorded message. I once talked to a gentleman and he proceeded to tell me about this debt I owe ( not knowing what debt it was ) all before verifying who I was and getting the information. I have requested numerous time to send me in writing the debt that I owe. When I talked to this man I asked him if they ever notified me by writing or sent me confirmation of the bill and he said they sent a statement XXXX of 2015. I then told him that was a year and a half ago and I have received nothing. When I asked why he had not verified who he was talking to before going into length about this bill and amount he hung up on me.
I filed for Chapter XXXX bankruptcy XX/XX/XXXX with XXXX XXXX Attorney : XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX Virginia XXXX, VA XXXX, XXXX : XXXX ). XXXX my creditors, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ), was included in my bankruptcy. XXXX XXXX Apartment 's representative, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, TX XXXX ) was notified of the bankruptcy filing as well. The Meeting of Creditors was held XX/XX/XXXX XXXX at the Office of the U.S. Trustee ( XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ). No creditors turned up to the meeting or filed to object to the discharge XX/XX/XXXX so the discharge was granted XX/XX/XXXX. 

XX/XX/XXXX, I noticed that the direct deposit that I received from my employer, XXXX ( also listed under XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX ) was short. When I went to work that same morning, I check my paystub online and saw that I was being garnished. The garnishment was listed under XXXX XXXX XXXX XXXX. I went to the court website XXXX and found that XXXX Apartments, represented by Sykes, Bourdon, Ahern & Levy P.C XXXX ( Address : XXXX XXXX XXXX, XXXX XXXX Virginia XXXX, VA XXXX Phone : XXXX Fax : XXXX ), was granted permission to garnish me. In fact, the website shows that they filed for this on several dates including XX/XX/XXXX ( after the filing date ) and XX/XX/XXXX ( after the date of discharge ). I immediately sent copies of my bankruptcy discharge paperwork to both XXXX and XXXX XXXX XXXX so that the garnishment could be removed. This would be the second time that XXXX parties would be notified by me of the bankruptcy filing. I was not notified by any of these participating parties ( the creditor, the creditor 's representatives, my employer and the payroll company ) that I would be garnished. I am still waiting to receive a copy of the order. 

This unwarranted, undisclosed and illegal action has caused some financial issues to occur. My prescheduled car payment with XXXX XXXX Bank returned. This caused my bank, XXXX, to assess a return check fee in the amount of {$29.00}. XXXX XXXX Bank assessed a late fee in the amount of {$30.00} to my account. In addition to this scheduled payment, I still anticipated the availability of funds for other expenses. This action was completely unfair.
On XXXX XXXX 2016 I was contacted by Capital One 's fraud department in regards to my credit account. According to their representatives someone called them, verified all of my personal information, and attempted to change the billing address and email address listed on my account. This follows a separate fraud attempt about 3wks prior where someone had called attempting to add themselves as an authorized user to my account. The card they issued fraudulently was frozen, and I 've since closed this account and placed an alert in my credit file. I 'm troubled that Capital One would not provide me, as a victim, with documents and information related to this fraudulent transaction using my personal information as required under the FCRA. I asked the name ( s ) of the person who requested to be added to my account along with the email address ( es ) and billing address ( es ) they attempted to use but was told by the representative that I could simply file a police report using the case number they gave me. I find this unacceptable as without specific information the police department in my area is very unlikely to be able to follow up, giving this individual the opportunity to defraud me further or defraud other individuals.
Recently I decided to attempt to change my mortgage company. One mortgage company asked for certain information from SunTrust Mortgage. SunTrust decided to charge me for the expense they deemed necessary for faxing the information to the mortgage company. They added a {$15.00} fax fee to my mortgage payment!! I shrugged this off, mistake on my part. SunTrust has decided to add {$45.00} to my mortgage payment for next month. I was advised that the addition in the mortgage payment was for three separate fees for faxing. It has been my understanding that a mortgage payment was the amount that was agreed upon and one that has been signed by the customer!! In effect, this would constitute a breach of contract? I am saddened by the under handed ways that business are operating by!! The housing market in 2008 was proof that because of people that are not above board, we can have another crash in our housing system!! I can fax pertinent papers to you so that you can make an informed response. I thank you for your time and effort.
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file to verify the accounts I disputed. Being that they are past the 30 day mark and 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.
I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.
Collection agency can not provide information regarding original office where services were rendered. I have paid all debts in relation to the hospital visit on XXXX/XXXX/13
In XXXX my mortgage monthly payment increased dramatically, causing me a hardship which led to eventually not being able to afford a mortgage payment. XX/XX/XXXX, XXXX XXXX started a foreclosure process against me. Months later a different bank XXXX started to send me collection letters. Now, a company Seneca is requesting payment from me for my mortgage. In XXXX, I tried to do a loan modification with XXXX but it was denied. Then, in XX/XX/XXXX submitted XXXX other loan modifications which were denied without specific reason with XXXX. In XXXX XXXX, I submitted another application with Seneca but it was, again, denied for no reason, just day after the application was sent out. There is something wrong with the legality of this loan. Something tells me that this is a fraudulent loan.
An action was filed by United States CFPB against Regions Bank regarding overdraft protection - some accounts were charged overdraft charges when they had not signed up for overdraft protection services - the accounts had to be linked to a savings or other account that could be used to cover overdrafts. I did not have such an account, and did not sign up for that service, but was charged overdraft fees anyway- this occurred from XX/XX/XXXXto XX/XX/XXXX. in fact it only stopped when I learned of the action while online- I was never contacted regarding the action and did not choose whether or not to participate in the action. I have contacted customer service at the bank 4 separate times ; each time I was shuffled to other departments or referred back to my branch, who was unaware of the action, or was otherwise not taken care of. I was told to email the legal department, which I did twice, and I have not received any response from them. At one point I was told I could receive some of the charges, but then the customer service person refused to refund any of the charges.

I have just spoken to them again, and this time I was asked to fax the documents to the legal department. the customer service rep I spoke to said she would also file a complaint for me.
None of these options is what I need. I want to know why there are late payment remarks from professional finance after being on my report for nearly a year. Also after they were said to be charged off. This is the first time this has happened with these medical debts.. causing my payment history to go from XXXX percent to XXXX. Iv been build credit and up to this point it increases. Will they put more of the marks on updates??
The loan was opened XX/XX/XXXX, I have NEVER made a payment on the loan. They falsified payments, stating that I had made a payments in XX/XX/XXXX, I am assuming the reasoning was to keep the account open longer therefore it is still listed on my credit report. The account should have went into collections in early XX/XX/XXXX and should be removed from my credit report within 7 years, however, because they falsified the payment history the account remains long past it's time. I have disputed this information with all three credit bureaus numerous times and XXXX keeps stating " dispute resolved, customer disagrees '' but they have not changed any status on payments or provided proof of payments.I have been fighting this false information for years and I am unsure what to do in order to get results and have the correct information reported. Also, the loans ( 3 ) were sold to another company and I have agreements with that company. I am not trying to escape paying my debt I just don't understand how they can report incorrect information and refuse to fix it, and after selling the loan ( that account is also on my credit report currently in good standing ) I would just like this issue removed if possible, or corrected so that it will expire within the year.
XXXX XXXX was the credit card provider for the debt of {$1400.00}. The cc was opened XX/XX/XXXX. I went delinquent on this loan of XX/XX/XXXX. The delinquency was due to lost of employment XX/XX/XXXX and also separation. XXXX XXXX sold off this loan to Portfolio XX/XX/XXXX making my debt start all over again. I dont believe that i should wait another 7 years eith Portfolio The debt collection agency said it will stay another 7 years on my credit bureaus. This has to be unfair.
This complaint is against Equifax Credit Reporting Agency. Fraudulent transactions appeared on all three major Credit Reports. It is not mine so I wrote to all three companies and asked for removal. They all 'claimed ' to have investigated my request. Both XXXX and XXXX removed it as, " not able to verify account. '' Equifax said they verified it was mine. I wrote Equifax and asked how they investigated these fraudulent accounts and what proof they collected since no one had proof of the account. They never responded or provided proof. Ive been disputing for almost 6 months. I requested this information from Equifax a total of four times. So I wrote a letters to the collection agencies and asked what proof they had. They also had no proof. They sent a print out saying the name of the original company ( no address, nor phone, no email, no servicing address, no list of services, no explanation, no bills, no copy of contracts - nothing ) and a date. Since I still had no proof of a debt, I already knew they werent mine, At this point since they cant provide proof I request immediate deletion. Equifax has claimed to open several new reinvestigations yet nothing has been done. Equifax has not followed the laws in accordance with the FCRA.
Professional Credit Services for {$110.00}, and XXXX XXXX XXXX for {$240.00} are the XXXX Collection Agency these people have sent these accounts to. The balance of these accounts are from fees, interest, and what ever else was charged to these accounts. Original accounts were XXXX XXXX and XXXX XXXX. XXXX phones were turned on in 2012, and shut off the same year. They need to be removed from my reports.
I was provided provisional credits in the amounts of XXXX and XXXX for disputed transactions in said amounts which occurred on XX/XX/31, XXXX XXXX. I have not heard the status of the dispute as of yet, however, in the event the credits are reversed, please advise XXXX I require proof of their investigation and info showing I received anything from the merchant.
I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : XXXX  : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) Equifax : - XXXX Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft XXXX XXXX XXXX XXXX )
I recently opened a Chase checking account. I received a fraud alert from Chase about some transactions. I had never used the account at all. I never received my debit card or PIN number from them. Yet, there were 3 fraudulent transactions on my account. Two of them were at ATMs. I called Chase and opened a dispute. They denied my claim after only a few days. I dont think they even researched my claim. The charges are as follows ... 

ATM withdraw {$500.00} on XXXX/XXXX/XXXX ATM withdraw {$500.00} on XXXX/XXXX/XXXX XXXX {$52.00} on XXXX/XXXX/XXXX I DID NOT MAKE THESE CHARGES.
Chase indicated to me that they have decided to 'restrict ' my account and told me that I can not access the funds I currently have in the account, which is XXXX. I went into my local branch on XXXX XXXX and had a teller call an account specialist who indicated that my account was restricted ( meaning no money can go in or come out of the account ) and that Chase would be closing my account and sending me a check for my balance. The teller was told this would take XXXX10 days. I went back to the branch today XXXX after XXXX business days as I NEED my money to pay bills which are now late and charging me additional fees. I had another teller/manager call their 'back office ' and then told me that they can not give me my funds until the 'back office ' says it 's OK. I asked how long will that take, as I was told a max of 10 days and she told me they would n't / could n't tell her. I can still see the balance sitting in my account and this is putting me in a DIRE situation. I even have chase credit cards I ca n't pay because their bank wo n't give me MY money. If I were to do this and take XXXX of their money and tell them I 'll give it back to them ... ..'sometime ' ... I 'd be arrested. I do n't see how this is legal or allowed.
XXXX and Experian are refusing to move an obsolete account. I have disputed the account from XXXX XXXX account number XXXX, open XX/XX/2005. This account is reporting incorrect information including the account has been closed over several years and both bureaus are refusing to remove. When I contacted XXXX XXXX they inform me to dispute with the credit bureaus and when I dispute with TransUnion and XXXX they indicate XXXX XXXX verified. Well since I could not get a resolution, I requested that both organizations provide me with a Method of Verification, which includes the party who verified, address and phone number, so that I may obtain assistance with this removal in which neither bureau would provide me with this information, I do not understand why they did not. Again, I am requesting the removal of this obsolete account.
I have no idea who enhanced recover is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ XXXX XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.
CFPB # XXXX XX/XX/XXXX Consumer complaint narrative Lender and servicer are in violations of the CA HBOR. They acknowledged that they received a complete modification package from us. After a day, they decided to deny us for the loan modification. They never fully reviewed the loan mod package and never suggested and discussed with us the alternative options to prevent foreclosure. They made clear their decision to deny us for the loan mod is final and subject to no further appeal. They never stopped the foreclosure sale date while we are seeking for the approval of the loan modification option. Thank you. 

Company has responded to the consumer and the CFPB .... 
XXXX Hello CFPB, Above was the complaint I submitted last yea against FCI Lender Services and the lender. Specifically, the reasons they denied us of our loan modification application last year were " due to our income and multiple properties. '' and that their decision was " final and without further appeal. '' The fact of the matter is we have only one additional property ( our original home ). And, regarding my income, I was on medical leave mostly during the months of XXXX and never got paid with XXXX XXXX XXXX until end of XX/XX/XXXX. 

Anyway, after I wrote the above complaint to CFPB, I remember receiving a letter from FCI Loss Mitigation department that the denial was actually due to the fact that the loan modification package was submitted less than 37 days before the sale date and the first denial letter by the lender was only a courtesy. 

By the way, upon receiving the first denial of the loan modification package, I filed my first bankruptcy to save our home from foreclosure ... There have many many issues in the bankruptcy courts until the present times. 

However, on XX/XX/XXXX, we submitted another loan modification package to FCI Lender Services. After a week, we again received a denial letter stating that " our lender is unable to offer a Loss Mitigation Assistance Program because the loan modification request was received 37 days or less prior to the scheduled foreclosure sale date of XX/XX/XXXX. '' My question is, which one takes precedence ; the CFPB rules or the XXXX California Homeowner Bill of Rights stating that loan modification should be reviewed upon receipt of the package even at the day of the foreclosure sale? 

Please, advise. 

Thank you, California Veteran
Account XXXX XXXX XXXX Account # XXXX opened XX/XX/2008 is being reported as a adverse account with a past due status the account is now current and is in good standing with no balance due.
I was involved in an accident in the vehicle on XXXX/XXXX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to GM Financial by XXXX XXXX XXXX XXXX per a phone call on XX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, GM Financial has reported my account as being past due for 30 days to all three credit bureaus.
I got an email that my info may have been accessed in the big hacking incident with Equifax. I tried to check with them on their new site made for this incident and all it told me was to check back on XXXX-XXXX-17 to enroll in the check service. Equifax has n't told me if my credit and personal Info was fraudulently hacked and their website to check it did n't even tell me that.
My identity was stolen resulting in unauthorized ACH attempts on my checking account. XXXX XXXX closed my checking account due to it having a negative balance from the identity theft. I called to have this resolved and they said since it happened over 3 months ago then they can not launch an investigation. They also said they can remove the negative information from my report if I pay the negative balance, they said they are not concerned about my identity being stolen they just want their money.
As of XX/XX/18 HUNTERSWARFIELD is still reporting on my credit report after it has been removed and deleted. Hunters warfield has been reinserted on my credit burea and has to be removed due identity theft. This debt doesnt belong to me and shall be removed under section 609 under fcra.
I found a {$3000.00} collection notice on my credit report, but it is not mine as I have never had a XXXX account. I notified Amsher on XXXX XXXX, 2016 through their website, but I did not receive a response.
Recently, I discovered a check misfiled in my safe. It is dated XX/XX/XXXX,  drawn on Bank of America. When I visited with Branch manager at local Bank of America, I was told to obtain Letters of Testimentary, which I did. When next contacting bank President, I was told that Banks were only required to keep records for 7 years, that she couldnt help me. 

I would like to ascertain where this money has gone. I am XXXX years old and need the money. Can you help me? 
Thanks for any help you can provide. 

XXXX XXXX XXXX XXXX XXXX