WillisBack/dataset-financial-user-claim huggingface dataset:
COLLECTOR CALLED MY CELL PHONE 16 TIMES IN VIOLATION OF TCPA, ALSO FAILED TO VALIDATE DEBT AND WENT ON MY CREDIT REPORTS IN VIOLATION OF FCRA AND FDCPA! ALSO, CALLED AND COLLECTED FOR XXXX XXXX TO WHOM THEY SHARED WITH ME IN VIOLATION OF DODD-FRANK ACT.
XXXX will not allow my XXXX account connect to my on-line XXXX checking account.
This complaint is regarding claim ( # XXXX ) I 'd like to dispute all inquiries made by XXXX of XXXX, TN. These inquiries were done without my authorization. It was only requested of me to apply for pre-approval with their, XXXX XXXX XXXX. I complied, was pre-approved for XXXX times the amount needed ( DocXXXX ), so there was no further need to continue inquiries. Plus, upon pre-approval, I was contacted by a salesperson from the dealership and provided with his contact info and in that email he said he 'd further discuss details of the loan. ( DocXXXX ) Since he did n't bother to contact me and display a lack of interest in selling me the vehicle, I sent him an email ( DocXXXX ) clearly stating I was withdrawing my interest.Though making clear in the email, that I should n't receive a denial letter from XXXX XXXX, since I was already pre-approved, though I did n't receive a denial letter from XXXX XXXX, I received a total of XXXX denial letters ( Docs XXXX ) from other lenders. Lenders, that I did n't authorize ( never filled out a credit app ) only a pre-approval to XXXX lender of which I was pre-approved.I purchased a vehicle on XXXX XXXX and was financed through XXXX ( DocXXXX ), yet I continued getting denial letters up until the XX/XX/XXXX.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

CEDAR FINANCIAL, ILLEGALLY TRYING TO COLLECT DEBT, ... IF NOT REMOVED PROMPTLY I WILL SUBMIT A COMPLAINT TO THE FEDERAL TRADE COMMISSION AND XXXX.
my name is XXXX XXXX XXXX i have XXXX mortage with sls with a 10.250 % have had this for over 10yrs i have tryed more than 2years fill out all kinds forms asky for the inerest to be lowered or refi they always say no why fill out forms if they were not willing to help the XXXX mortage is $ XXXX-was XXXX can you help with this i know the payment on {$150.00} -whn XXXX cause me to go bankrupt in 2009 i was late XXXX time now having to pay a little extra every month ths is a 30yr loan which i did not know until i went bankrupt if they new i could not get the adjustment why send form just say we can not help i need help please .this loan is not going down as it should.loan numberXXXX
I wrote Trans Union a letter on XXXX XXXX. In my letter, I identified several errors on my credit report that I would like them to investigate. Today is XXXX XXXX, I have received nothing back from Trans Union ; no response. They were supposed to respond within 30 days.
Since XXXX, I have continuously been a victim of identity THEFT. I have reported this to all three credit bureaus on a number of occasions. I contacted EQUIFAX on several occasions via CERTIFIED MAIL, their website, by FAX and by phone advising that I have no knowledge of the below accounts, I also requested VALIDATION of these remarks and never received validation. To date I still have frivolous accounts listed on my credit report as charge off and or as derogatory remarks. These allegation of having a charge offs or derogatory remarks on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character XXXX statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting. I am requesting that Transunion remove the below accounts from my credit profile IMMEDIATELY as this is a violation of FCRA and FDCPA. 
Date of Dispute : XXXX/XXXX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX Creditor/Agency Account Number on CR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Date of Dispute : XXXX/XXXX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX Creditor/Agency Account Number on CR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( Macys ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b )  of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Several collection agencies such as XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), Concord Resolution ( XXXX ), keep contacting my cellphone, work phone and even my employer 's number claiming i have an unpaid online payday loan. I asked for proof but never got any in the mail or email. They know all my personal information and tried to charge {$480.00} from my bank account as settlement. Fortunately, I was able to put a stop payment on it.
I ordered my credit reports from all XXXX agency 's. I noticed XXXX 2014 payment was showing late and I contacted Ocwen to see why and they said I did not pay it till XXXX XXXX, 2014. I began disputing this. I also hired XXXX XXXX for some stuff I was cleaning up on my report. I cancelled with them as I never thought to pull my bank statement to see when it came out of my XXXX account. When I pulled the statement online it is showing the money came out of my account on XXXX XXXX, XXXX not on XXXX XXXX, 2014. Ocwen is saying they can not do anything as far as updating my credit profile and I have my bank statement showing that it did come out of my account on XXXX XXXX, 2014. They said prior that if I sent the statement to the research department it would be adjusted. I called and they said there is nothing they can do.
In XX/XX/XXXX, Wells Fargo started the 6 years of horror for a Home Modification, which I fell victim to Wells Fargo Scam or Glitch? Lost my home of twenty years XX/XX/XXXX. Spent all my money on attorneys to desperately save my home. I did everything W. F. ask for in a quick and timely manner, it was a vicious circle. I always felt uneasy, scared, desperate, sleepless nights, weight loss, could not eat. W.F. was less than kind or sympathetic. Wells Fargo attorney actually called me a Liar and a Thief and stated it was the end of the road for me ( homeowner ) and the time in my home was over. Very Very unprofessional, heartless to say the least. Already filed a complaint about Wells Fargo. I want to be heard and not for gotten. Wells Fargo owes me and many others a home or the equivelent amount of money our homes were worth at the time W.F. foreclosed on us.
I was, briefly, a student at XXXX XXXX in XX/XX/XXXX. My student loan balance was taken on by XXXX XXXX XXXX XXXX. I was advised by a member of XXXX XXXX staff that I could temporarily defer payment on said loan due to financial hardship which I did via a 3 way phone call between the school employee, a XXXX representative and myself. At a time when I became able to make payment, XX/XX/XXXX, I made arrangements to pay an agreed upon monthly sum towards my balance with XXXX. As of today 's date, XX/XX/XXXX, my balance from XXXX  is listed as {$850.00}. XXXX XXXX. called my personal cellphone several months ago and stated that they had acquired my debt and I currently owed a balance of over {$5000.00}. I asked for more information and they were either unable or unwilling to provide me with the name of the company they had bought my debt from and they had no access to any of the previous payments I had made with XXXX. The representative from XXXX XXXX threatened me with imminent legal action unless I made immediate payment. They offered to take a substantially lower payment, on the spot, to wipe out my debt and I declined. Again, I was told that legal action would be pursued. I then proceeded to contact XXXX and they assured me that they still retained my debt and they had no knowledge of XXXX taking over said debt. They advised me to disregard the payment demand from XXXX and continue paying my loan off with XXXX, as I had been doing. I was content to follow this advice until I checked my credit report today and it showed an open account with XXXX XXXX with a balance of {$5200.00}. I do not believe this to be correct. I receive multiple phone calls on a nearly daily basis from a number I believe to be associated with XXXX XXXX. No voicemail is ever left. I would like the phone calls ceased and the account stricken from my credit report as I believe it to be erroneous. Thank you.
I called this company on XX/XX/XXXX to take care of a delinquent debt. The person I spoke to told me the agent handling my account was out of the office and would return my call XX/XX/XXXX. I received no followup on XX/XX/XXXX. I called them back XX/XX/XXXX and explained that I would like to pay the amount in full and never received a call back as promised. The lady told me that even though she was out of the office the amount of the debt continued to increase due to their interest policy and that she will not adjust the amount despite my contacting them in good faith on Tuesday the XXXX and she was out of the office. If I paid even a dollar less than it would be reported as settled not in full. I am willing and able to pay the amount but I do not like to be taken advantage of because of their employee being out of the office.
I went to the dentist to get a XXXX and they said I could do a monthly payment plan for {$1000.00}. As long as I made a monthly payment and paid it off within a year I would get no interest. I sent in a payment by check and they said that they did not get it. I sent it in timely as I work for the postal service. I had the money in my savings account so I did not have to open up this card but because it was free and did not want to use my monmey that was in my savings. But because they kept on adding the late fee charge I just paid it off in full. Mind you, paid it off in full minus the late fee/interest of {$450.00} they charged me. ANd now it is on my credit report for paying something off in full before the due date. I did the right thing by paying this off and paid what I owed ( {$1000.00} ) in the year time frame and I get this on my report that is not valid. I pay my bills on time and did not need this card. and it screwed me over and would never do business with chase ever again.
I am a co-signer on this loan which is now in good standing ; I would like to be removed from this loan ; as i am trying to purchase my first home. When I co-signed for this loan with my ex-husband ; I thought that I was still married. It wasn't until after I co-signed with him ; that I found out that I was divorced. He divorced me in another county ( 100 ) miles from me in XXXX County ; stating that he couldn't find me, which was a lie ; he had already started a new relationship. I found out by getting a call from his girlfriend that I was divorced now. If I would have known that I was divorced from him, I would have NEVER co-signed on that loan. The only reason why I was added to the loan was because he just started his new job and needed someone who was on the job for a longer period of time. When he left, he left me and my children with nothing, cleaned out all of the accounts, and we lost everything. I have worked really hard to build my credit up and pay off thousands of dollars of debt to get to a place where me and my children can finally get out this apartment. I am begging to be removed from this loan ; he has been on the job for 2 years +, and he's making payments on time ; and paying additional each payment. I dont drive the car ; nor have I ever driven it. I dont even know where its at. Please remove my name from the loan ; as I will not be able to move into my own home with this removal. What can be done here? Please, help me.
My name is XXXX XXXX, I was continually bullied on all calls made to me to collect a debt by Capital Accounts Llc in Tennessee. I was told I was a no it all after i requested a DNC and I was told I could n't speak with a manager. When I told them I filed a complaint with the XXXX I was told I was better than that. The gentlemen continued to bully me. When I filed a complaint with the company I never received a response. I am a debt collector also of a very well profound company and can not believe how I was spoken to. When I told them I planned on retaining an attorney the man " XXXX '' laughed at me and said well we 'll see .. Send that in writing.
Everything started around the end of XX/XX/2017. We met XXXX at an open house where we also met the agent, who would then became our real estate agent. We were working with somebody else but the agent made us understand that would've been easier to work with somebody she knew, and that XXXX worked for a really good company and that he could help us get the loan we needed to buy the house of our dreams. Everything started few days later : we provided him with info he needed to start processing the request for our loan. Short after that, he gave us the pre-approval letter, with the loan amt we were approved at, an appealing interest rate, a down payment amt.. Everything we needed to start shopping for a home. We found a home. Everything was going OK until he sent as the final documents, I believe it was the good faith estimate : but wait, a few information were NOT what we got disclosed at the beginning.. the interest rate went from 4 % to 7 % .... When we have requested explanation on why that happened, he told us that our case was different. I asked in how come this is coming up now at the end, when she knew that case was a little bit different.. At the point our communication broke up. He started by saying that we could sign docs with that interest rate, and 6 months later he could refinance me at a much lower interest rate, and that was good for me, as he would have been a much higher tax deduction. 
From that point we had to look for a new lender and honest one. 
P.S. At the beginning of the all process, I even recommended him in to a friend of mine and guess what? she call me a few days ago and without knowing what happened to me she told me that it happened to her too. 
Sorry, But I thought I was dealing with a shark, and I do not gamble my money and my happiness..
I have an acct with XXXX XXXX XXXX that is now in bankruptcy but in the comments it is stating charge off fixed rates which is incorrect it should state in the comments included in bankruptcy chapterXXXX
JP Morgan Chase Bank sent us a letter stating they had refused us small loan ( {$20000.00} ) with high interests requesting a collateral on my residence valued at {$750000.00} instead of an investment property worth {$500000.00} located also in California, instead of issuing the letter of withdrawal we requested as we ( not Chase ) chose not to proceed with their offer. 
By doing so, they attempted to damage my credit score of XXXX in retaliation for refusing their terms.
XXXX XXXX is out Utah. The representative never told me this would be a loan and monetary financial services never provide updates on balance. The school hardly ever return calls or keep up with you all alon. I just found out I have 8 percent student loan that was never explained to me I was told I cant the cancel the contact of the the loan even tho I want to with draw from the program. This is predatory lending against students who want to better their careers see XXXX  reviews and Montray has horrible review. I just want to get away from this school, stop paying on the I never agreed to Verbally ; not get my credit ding by Montray Fiancial. Please help and save students time energy and money. XXXX XXXX   lacks integrity and will ask to a positive post online about the school it is called bait and switch only if you need a extension in the course. 
Please help please help.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX-XX/XX/XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows :
I won a case against a XXXX in XXXX. The judge ruled I notified the company in enough notice and was due a refund of the security deposit. The company sent the account to collections. I contacted the company and submitted disposition of the case. Hunter Warfield informed me that it does not matter what the court of law rules. They are in XXXX and I will be sued and taken to jail if I do n't pay. I can not understand how a debt collection agency state they have more power than the courts and they do not have to abide by the judges rule. This is a direct violation of FCA and illegal.
I received a credit card in the mail at home which is described as a replacement credit card and along with the credit card with my name was another credit card in the name of another individual for the same account. This other individual is not a member of my household and is the name of someone I worked with 10 years ago. The credit card also is a membership card for Sams Club. The membership cards that are authorized by my under my account are for myself and my wife. This recent mailing of credit cards did not contain a credit card for my wife but included a card for this other person with the exact same account number. In the mailing there is no contact information for Sams Club or its credit card issuer and only a phone number to activate the new credit cards. I did not want to activate the cards I wanted to report this error and potential fraud on the part of this former co-worker. As there was no contact information included within the credit card mailing I found a phone number on Sam 's Club website and dialed that number. After navigating my way through voice mail XXXX I finally was at a point where I was on hold, still on hold to report this fraud and cancel this card and get the name of this other person off of my credit account. I have now been on hold for 35 minutes attempting to report this fraud. My complaint therefore is twofold, first Sam 's Club is making it very difficult to report fraud by hiding its contact information and secondly once you have a phone number, you are left on hold. Secondly I want this other person removed from my account.
I received a prepaid debit card for a purchase I made from XXXX XXXX. The card is from XXXX and seems to be issued by XXXX ( in conjunction with Blackhawk Network ).

The card was misplaced and when I found it, it had expired about two months previous. When I tried to activate the card, it said it was expired, so I'm trying to get a new card. The card may be expired,  but the funds are not ( as it clearly says on their website ). I am unable to log onto the website to request a card, and their automated voice system also declines any attempt to access it. 

I would like a new card. This is the agreement on their website : XXXX XXXX XXXX   Specifically this section : Post-Expiration Card Issuance Fee The Card will expire on the date on the front of the Card. However, the funds do not expire. After expiration of the Card, you may request issuance of a card with the remaining balance, minus a card issuance fee that will be deducted from the remaining balance. The Card must have a remaining balance in excess of the card issuance fee to be eligible to request issuance of a card. For specific card issuance fees please see log in or see below.
I have disputed this item twice previously and advised this was not my debt and I wanted to see the contract from the original debtor. All I keep receiving in the mail is a general statement showing how much is owed and who it is owed to. They refuse to send me the documentation I am asking for and I have no knowledge of this debt. The debt has been placed on my credit report for all 3 credit bureaus. I would like this debt to be removed unless they have a valid contact from the original debtor showing I signed or authorized this account.
My spouse and I signed and submitted my request for the REPAYE program on XXXX/XXXX/2016 electronically through XXXX. The request reference number is XXXX. As of XXXX/XXXX/2016, my loan servicer FedLoan Servicing still has not put me on the REPAYE program.
While on business travel in XXXX, I attempted to withdraw cash from an ATM. The ATM retained my ATM card and the interface screen indicated that my ATM card was being held for security purposes. Later that night, I checked my account and discovered that multiple ATM withdrawals had occurred in the course of the several hours after I attempted to withdraw funds. I immediately called Chase and informed them that fraudulent activity had been occurring on my account. In subsequent correspondence with Chase, I learned that my ATM card had been used ( or attempted to be used ) at over 30 different ATMs throughout XXXX that evening, with at least 15 of such attempts resulting in amounts withdrawn from my checking account. Chase later disputed my claims of fraudulent activity on the basis that there wasn't sufficient evidence of fraudulent activity -- notwithstanding that my ATM card had been used ( and attempted to be used ) at over 30 different ATMs throughout XXXX in a single evening. I believe that Chase is attempting to shift its burden of protecting against consumer ATM fraud to its customers, and is negligent in its handling the basic indications of ATM fraud.
Hi sent certified letters with in the last three months to all three credit bureaus and have not received a response.