WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX, XXXX XXXX 
Attorneys At Law XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX In XX/XX/XXXX, Said law firm, which operates as a debt collection agency, called our cell XXXX, numerous times asking for and leaving messages regarding an attempt to collect a debt in the name of XXXX XXXX. 

At this time, I called back informing them that there was no one here by that name, and to cease and desist calling per FDCPA 15 USC 1692, and the Collection Agency Act of Illinois. 

On or about XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, XXXX XXXX, with said law firm, again started calling and leaving voice messages for XXXX XXXX operating under supervision of the person who identified as DIR of OPERERATIONS XXXX XXXX in clear violation of the FDCPA and Collection Agency Act of Illinois. 
I can provide the voice recording upon request. 

When I called back the number provided by XXXX XXXX in voicemail ( XXXX ), and asked for a supervisor, I was shuffled around. I specifically asked the man on the other end who identified as a supervisor, If they were aware of the FDCPA, and specifically if they were a debt collector, or law firm trying to collect a debt on behalf of a debt collector. To this inquiry I was given no response. 

As a law firm specializing in debt collection practices, there is no excuse for the flagrant disregard for federal and state laws of which the staff of ARNOLD SCOTT HARRIS engaged in, or the deliberate attempt of his staff to conceal their identity and role in the illegal activities of what is an unethical attempt to prevent complaint filing.
On XX/XX/XXXX, I received an e-mail from XXXX  customer support that my XXXX account was accessed without authorization. Someone had made a purchase of an item and I was charged for it. XXXX secured my account, and I saw the purchase transaction on my Discover Card, which was completed via XXXX. 

I called Discover Card and notified them of this fraudulent charge on XX/XX/XXXX, and filed a complaint on-line with the message from XXXX as proof of my claim. On XX/XX/XXXX Discover Card reversed its decision to credit my account and kept the charge on my card, saying they have proof from the merchant that I indeed did make this purchase and was sent to my home address. 

I contacted my attorney 's office about my situation, and on XX/XX/XXXX they sent a letter on my behalf to Discover Card regarding this fraudulent charge. On XX/XX/XXXX Discover again refused to credit my account, saying there is still insufficient information to overturn their initial decision and continue with the dispute. I have several attachments showing the various correspondences between myself, Discover Card, and my attorney 's office.
XXXX XXXX XXXX phone number XXXX has called my adult children multiple times, they also called an elderly neighbor but they have not called me. They have also called my daughters number asking for another person regarding me. My daughter has not lived a my address for 10 years and my son has never lived at my address. When I called the number left on my daughters voice mail with the reference number they would not tell me why they are trying to contact me unless I give them my SSN. Four years ago someone filed an income return with my SSN and it cost me a lot of money to get it resolved so unless I know the company and the exact reason I will not give my number out. Since I called XXXX XXXX XXXX they have continued to call my children and people I have no association with other than we live on the same street. I  have not received mail from them explaining why they are looking for me. The phone calls are multiple times during the day and everyday.
XXXX Acct # XXXX needs to be deleted and removed immediately from my Equifax credit report because I did not open an account with them. XXXX failed to send proof that I opened an account. Where is the contract that I signed to agree to the terms and conditions? Your company will not put any accounts on my credit report that I did not authorize. I will be filing a lawsuit against your company as well as reach out to my Attorney General Office.
In 3 successive days XXXX was taken out of my checking accounts by a company called XXXX and A XXXX credit card. This began on XXXX/XXXX/XXXX when I noticed 4 different deductions totaling XXXX. I called the bank and they closed the account and gave me new account. On XXXX {XXXX more was withdrawn from the new account of which only Bank of America had the account number. On XXXX XXXX  more was taken as a XXXX transaction by a private individual. They have now frozen all my accounts.
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED USBK COURT XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : CHAPTER XXXX BANKRUPTCY DISCHARGED Responsibility : Individual Debt Court Type : Federal District Plaintiff Attorney : PRO SE Estimated month and year that this item will be removed : XX/XX/XXXX USBK COURT XXXX CALIFORNIA Docket # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE I HAVE NEVER FILED FOR BANKRUPTCY PLEASE REMOVE IT OFF MY CREDIT REPORT PLACER COUNTY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE PLEASE REMOVE IT OFF MY CREDIT REPORT
The Company Ditech is harassing me with phone calls. They have stated in the past specifically to XXXX. That I was on a no contact list. They are still calling. They lied to XXXX. I have told them to stop. They continued to call. On the XXXX of XXXX I received two calls within 4 Hours. I have told them to stop and they continue. I have also sent them a cease and desist letter. In the past they have called my neighbor.
XXXX XXXX XXXX FAILED TO REMOVE AALL HARD INQUIRIES FROM TRANSUNION AS PROMISED.
As a single parent, I had no vehicle and my now XXXX brother helped me to purchase a vehicle to help me get back and forth to work to care for my kids. He assisted me with the monthly payments as well. When he was XXXX, I contacted Santander Consumer USA to request that my notes be lowered due to financial difficulty and to prevent having my vehicle repossessed because I could not afford it. It was enough knowing that my monthly notes were {$440.00} and my car insurance was {$380.00} per month because of my credit score being low. I had previously been through identity theft from a family member  who stole my information and made purchases and created bills that I had not been aware of, which resulted in no one wanting to give me credit. Santander denied my request to have my notes lowered or allow me to refinance the vehicle through another lender. I spoke with a representative who advised me that I could do a voluntary surrender of the vehicle and have all remaining debt waived due to my situation. At that point, I had lost my job because I took a week off for grievance and they denied my request and fired me. The rep told me that all I had to do was make a statement over a recording and I did so. They advised they would pick up the vehicle in a few days, which became a few weeks. The vehicle had been parked outside of my rent home and kept insured until they picked it up. Several months later I was notified that the vehicle had been sold and I was responsible for the remaining debt on it, which was {$11000.00}, in which I thought had been resolved due to the conversation with the representative. The account has been closed and written off but remains on my credit report and is negatively impacting it. I do not think that this is fair to myself, nor any other consumer and it is an unlawful practice of business. I cooperated with this company in every way and their vehicle was returned in like new condition as I received it, but because I no longer had any help with my car note and they could not find a way to help me, but lied and hurt my credit instead, I am now left to battle with getting this removed from my credit report.
I have asked my bank repeatedly to remove the overdraft protection from my account. They refuse to cooperate. Each time that the overdraft protection is used, it results in a {$35.00} fee. These fees result in insufficient funds for purchased which result in more overdraft fees. The cycle keeps repeating itself. I asked them to reimburse me for the fees as I do not want the overdraft protection. They refused to reimburse me because they reimbursed me for fees in the past. Any fees that have been reimbursed to me were done so as a result of their mistakes. I live paycheck to paycheck. I am paying bank fees instead of my bills. This is ridiculous. I 'm not asking for a lot. All I 'm asking for is for the fees to be credited back to my account as they should never have been incurred. My account has a negative balance right now and there are more fees that are going to be added to that balance. I get direct deposit. The majority of my check is going to be deducted instantly to cover this negative balance. Something needs to be done.
I paid {$140.00} minimum monthly payment on XX/XX/XXXX and {$270.00} on XX/XX/XXXX. 
-- -- -- -- -- -- -- -- -- - My minimum payment is {$140.00}. 
I requested the extra payment of {$270.00} be applied to the promotion that has a balance of {$510.00}. 
PLEASE APPLY BOTH PAYMENTS TO MY ACCOUNT TODAY. 
-- -- -- -- -- -- -- -- -- -- After both payments are applied, then the promotion with a balance of {$510.00} should have {$44.00} from the monthly payment & {$270.00} from the extra payment. 
-- -- -- -- -- -- -- -- -- -- - The new balance should be {$190.00} for the promotion that ends XX/XX/2019. The credit card company says I have to wait 2 months for these payment to be applied. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- I need this applied to my account now as I should not have to wait 2 months for payments to be applied. That is insane and I do not believe past payments were applied correctly during the wait. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Whenever I wait 2 months the payments are never applied correctly and then I get a late payment notice reported to credit bureau. 
-- -- -- -- -- -- -- -- - This card company does not like the promotions to be paid off early.
On XX/XX/2018 I used a XXXX to purchase a XXXX online. I received the voucher I purchased but was charged twice by XXXX for 2 different amounts : {$260.00} and {$290.00}. XXXX ( Suntrust ) claimed I authorized this and XXXX won't answer my inquiries. I did not receive 2 products or services. I purposely used this credit card so that if there was a dispute with XXXX, THEY would handle it for me. When I inquired about it, XXXX claimed ( case # XXXX ) that I had authorized the purchase and that was the end of it. I asked XXXX via e-mail ( the only way to contact them ) what I should have received for the 2nd charge but got no answers. I don't know which one to complain about, XXXX or XXXX. XXXX XXXX owes me a credit or XXXX owes me merchandise or a voucher for services. This is not the first problem I've had with XXXX.
1. Credit Burea has taken more than seven ( 7 ) months to investigate reported information on my credit report. Items such as accounts not mine, inquiries not associated with an active account.

2. Even after mailing notices and demand to delete/remove inaccurate and incorrect account informationn and inquiries, the bureau simple refuses to provide proof/evidence of it's investigation.

3. I personally contacted the Bankruptcy Court Clerk in XXXX Texas who confirmed that it does not verify any bankruptcy filing with any third parties or credit bureaus. However, in their report regarding each my demands to delete the information, they state that the bankruptcy has been verified as accurate. This is a lie! It has been more than 15 days. It has been more than 30 days. It has been more than seven ( 7 ) months in the year of 2018.

4. I have personally given all three ( 3 ) bureaus my consent to delete/remove negative information by phone and in written form.

5. As of today, I pay XXXX and XXXX  for credit monitoring. However, they will not provide me with any credit scores for their company or the two others. The reports have said " NO SCORE AVAILABLE '' for more than four ( 4 ) months now.
I am writing now in hopes to receive your help. Presently I am working on examining my credit, paying down my balances, and working toward greater credit worthiness. You play a very important part in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX XXXX XXXX XXXX ) on XX/XX/2017 and I am writing this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.
US BANK, As Trustee, Successor in Interest to XXXX Bank, NA, as Trustee For XXXX Mortgage Trust XXXX XXXX XXXX, MN XXXX XX/XX/2016 QUALIFIED WRITTEN REQUEST XXXX : Acct # XXXX / XXXX To Whom It May Concern : This request for information is submitted pursuant to Regulation X XXXX under RESPA. This request is not duplicative of any prior request for information on the above referenced loan account ( XXXX ). 

We have received correspondence indicating that a certain XXXX was consulted and named as a " Foreclosure XXXX '' representing US Bank, As Trustee etc. in a foreclosure matter in New York. Please provide the following information within the time frame pursuant to applicable regulations : 1. Is XXXX an employee of US Bank XXXX XXXX? 
2. If so, How long has she worked there? 
3. What is her official title? 
4. What is her job description? 
5. What training is required for her title designation? 
6. Provide the name of the department or division she works in. 
7. Provide the name of the department or division head. 
8. Is XXXX XXXX authorized US Bank to participate in a foreclosure action? 

Thank you for your cooperation and timely response. 


Yours truly, XXXX Cc : Consumer Financial Protection Bureau
My identity have been stolen I 'm XXXX, My XXXX opened and applied for things in my name and ruined my credit, I cant even get out of XXXX XXXX XXXX XXXX help .This is making me XXXX and I really need this fixed I recently saw more inquirys on my credit and I need all these removed my XXXX is currently being investigated please help me fix this she recieves all my mail before I get it again I just need this fixed
I am the cosigner on this loan. Current balance {$10000.00} reported XX/XX/2018. 

AES/XXXX has changed the payment period of this debt with the primary debtor by deferring payment start date for repayment. I declined to agree to the modification. Changing the starting period of the loan payment schedule by several years without my consent is a violation of the loan agreement that I co-signed. 

I ask to be removed as the co-signer on this debt since the contract has been altered without my written agreement.
The beginning and current balaces due for XXXX XXXX XXXX are incorrect. The lendor is showing an original loan amount of XXXX. This amount is incorrect. The XXXX is not correct amount loaned at the time of purchase. The amount shown is the base purchase price for the vehicle and not the entire loan amount which included Taxes, Warranties, Insurance and original down payment. Also the current balance shown dies not reflect the correct balance as XX/XX/2019.
please find attached ( upload ) letter from the creditor for which they have approved to remove the inaccurate delinquency from my XXXX XXXX XXXX # XXXX, equifax and XXXX are the only ones who are reporting this inaccuracy, i have already faxed the creditors letter for which they have approved to remove the late on this account, but they are not responding therefore i decided to file a complaint and need yoiu help to do so. thank you for your cooperation in this matter.
Company is trying to collect on Capital One Credit Card XXXX that was forgiven by Capital One and I paid taxes on the forgiven amount. Company is also trying to collect on a XXXX credit card and sent a summons to my home without a court date and I was never sent anything with their intents to prosecute. After having this company use illegal collection practices, I do not wish to deal with them and refuse to pay debt I do n't owe.
XXXX XXXX 2017, I was notified by my line of credit that I was behind {$49.00} and once I paid that amount I would be up to date. Then I was threatened that my line of credit was 33 payments behind and that my house was going to go in foreclosure. They told me I had to pay about {$8000.00} to bring the account current but I was not shown any documentation. I was so scared that I would lose my house and I paid most of the money, but then they closed the loan amount and transferred it to another department in Bank of America and now no one wants to tell me what is going on. I need my credit to be cleared because I need to refinance and put everything in one loan. I have called several times and no one seems to understand.
I was an Orchard Bank customer in good standing with a {$500.00} secured card. In 2013 Orchard Bank was acquired by Capital One. I now have an unsecured card and I am in good standing with Cap One. I contacted Capital One to find out about the {$500.00} from my secured card. They said they have no record of this. As I looked for commecnts from others regarding this situation on the web I see there are others in the same predicament. I am still pursuing Cap One to make this right.
TransUnion is reporting all obsolete student loans. I have attached the credit report with all of the obsolete loans displayed. I have requested for the old student loans that are too old to be in credit file to be deleted numerous times but yet the organization refuses to delete. I have attached a copy of my credit report with the obsolete student loans and again requesting for the immediate removal of the old loans. It seems they are re-aging. I have asked TransUnion to request opening of student loans and payment history of each which would support that all loans meet the criteria of being too old to be on file.
Equifax last month according to XXXX was showing my credit score at XXXX, today XXXX XXXX 2016, Equifax is showing my credit score with XXXX at XXXX. 
I had no negative or bad items in the past 24 months to cause this change. When I contacted Equifax , they had no response.
CELCO has started to harass me with letters and phonecalls after I already paid my debt, I called them and I said that the debt has already been paid, then they sent me a letter in the mail stating " based on your phone call and your promise to pay '', while I have already paid. They still send me mail, even though I called XXXX which confirmed that I no longer have a debt since I paid my debt in full. 
In addition, during my phonecall with them today, she inquired about CELCO 's fees despite my repeated attempts to prove to her that I had paid. I have also informed them that will file a complaint due to the excessive amount of stress I was subject to, despite having paid.
I have been a customer of TD bank for almost a year now. I have been withholding my comments for some time now. However, it seems that their overdraft practices border on predatory. I used to work in the banking industry and I recall how most banks handle their deposits. Usually, the bank processes the deposits first before processing the debits, no matter what time the transaction occurred, as long as it was the same day. This is not the case with TD Bank. They process the transactions at the time they occurred and let 's say I were to make a deposit after I noticed a charge was over drafting my account, they process it last so they can charge me an overdraft fee. I am very disappointed and I think with a little digging you will find that their overdraft policy violates some consumer protection laws. This weekend I received 4 overdraft fees, two of which were for transactions under {$1.00}. The amount was in my savings and I had earlier signed up for overdraft protection. Not only did they not take the money from my savings, they stated that I never had it. At the time of the trasanctions I had the funds, however, they charged me a {$15.00} " service '' charge and dated it for the 11th. The charge showed up this morning. That charge caused 3 overdrafts.
I am the co-signer on 3 separate student loans obtained by my husband. All of these student loans are now part of the XXXX XXXX XXXX XXXX XXXX { XXXX }. Each of these loans are also now part of a lawsuit brought on by your bureau. A consent order was agreed upon in relation to said suit. I believe my husband and/ or I qualify under the regulations set forth by the consent order. We have not been contacted however regarding our qualification. 
Our loans : XXXX XXXX, XXXX, XXXX. 
XXXX filled a lawsuit against us on XXXX. 1. ) This date was past the state of Tennessee 's statute of limitations. Due to incredible financial pressures and job loss, my husband and I filed for bankruptcy in XX/XX/XXXX. Once the XXXX received the formal notice of the bankruptcy, they obtained a voluntary dismissal of the lawsuit. 2 ) In XXXX I was contacted by XXXX XXXX XXXX XXXX law firm and told XXXX had been awarded a new judgement and were seeking a payment plan or else they would follow through with wage garnishments already approved by the court. I questioned the law firm concerning the new judgement and wage garnishment, as I had had no further contact from the XXXX  since the voluntary dismissal of the lawsuit. However due to the bankruptcy my husband and I had just gone through, foreclosure, and moving in with relatives, I thought maybe the information had somehow not made it to us. Having experienced much hardship due to prior financial difficulties, and having been told by bankruptcy lawyers that there was NO way to EVER be relieved of student loan debt, even private student loan debt, I set up payment plans. I have been paying on these loans since XX/XX/XXXX. I was unaware and NEVER informed that these would fall under the statute of limitations. 
Once I learned of the lawsuit by your bureau ( the CFPB ) I called XXXX XXXX XXXX law firm in XX/XX/XXXX to ask to receive a copy of my original promissory note, as well as all documentation of sucession of ownership from that promissory note to the present. I was told they know nothing about the CFPB lawsuit and that I could not get a copy of the original promissory note, etc. I stated I would not be sending another payment until I received this information. I was told that I would be the one in violation of my payment agreement I even referenced your bureau 's lawsuit and consent order and stated that I thought they were violating the consent order by not providing me the requested documents. I have received no documentation as of today XX/XX/XXXX. I have however, been contacted multiple times informing me they have not received my XX/XX/XXXX payments and that I am the one violating the payment agreement.