WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I received a letter from Cavalry Portfolio Services claiming that I owe them {$1000.00}. I responded on XX/XX/XXXX with a letter requesting that they validate the debt and they responded on XX/XX/XXXX with printouts of old account statements and a bill of sale from XXXX whom they purchased the original debt from. They did not provide an original signed contract as proof of debt so I sent them another letter on XX/XX/XXXX stating what they sent me did not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation and also this : " In the case of XXXX XXXX XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX  debt collection letter, XXXX  counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).

XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of XXXX at XXXX. Specifically, XXXX  claims that a copy of the consumer credit contract between XXXX  and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.

The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX  after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. '' However, they were still reporting the collection on my credit report and their response, on XX/XX/XXXX and XX/XX/XXXX to the letter I sent them on XX/XX/XXXX was the exact same printouts they sent me on XX/XX/XXXX.
I filed for bankruptcy 3-4 years ago, which I was recently discharged from. However, during that time they tried to contact me. I directed them to my attorney but then they decided to harass my aunt, who is my co-signer. She 's been receiving vicious calls about putting a lien on her house, garnishing her and my bank account. They never call me or send me letters, they always send them to her and they keep adding interest to my debt, which it was agreed during my XXXX-XXXX chart XXXX period, interest would not increase. My debt was supposed to be down to {$85000.00}, well now they say it 's over {$100000.00}.
Re Fifth Third Savings & Checking Accounts : I used a XXXX coupon to open checking & savings accounts with Fifth Third Bank. The initial communication took place over the phone on XX/XX/2018, providing the " offer code '' from the XXXX  coupon. The XXXX  coupon ( attached ) offered {$250.00} for opening a savings and {$250.00} for opening a checking, with specific terms. I completed the paperwork, sent the funds on XX/XX/2018, account was opened XX/XX/2018. On XX/XX/2018, I visited the branch at XXXX XXXX XXXX, XXXX ( XXXX ) XXXX. I spoke with XXXX XXXX, Manager, to close my accounts. Mr. XXXX processed the request with a cashier 's check for {$15000.00} : {$15000.00} initial deposit into savings ; {$250.00} initial deposit into checking, and {$250.00} to fulfill 1/2 of the XXXX XXXX offer. This was {$250.00} short based on the offer " get {$250.00} when you open a Fifth Third checking account '' plus " get another {$250.00} when you open a Relationship Savings Account. '' I unequivocally met offer qualifications but Mr. XXXX could not explain or resolve the deficiet. He stated the " paper '' received when the account was opened was required. I asked him if there were other " screens '' to view to validate my offer. He said " no, there is just one offer code stating {$250.00}. '' On XX/XX/2018, I provided the " paper '' and coupson. Mr. XXXX stated he had to process my issue through the disputes channel. XX/XX/2018, Mr. XXXX informed me the issue was resolved but required a Regional Manager sign-off. I later received an email stating the funds were approved for deposit into the account. 

On XX/XX/2018, I went to the branch. I received the {$250.00} and closed the accounts. 

My concern is there is an internal, purposeful process to reduce the liability owed to customers. The {$250.00} deposit for opening the savings should have been deposited after the deposit of {$15000.00} was maintained for 90 days in additional to meeting terms specified for the checking account. This deposit did not occur even though all conditions were met. Worse yet, Mr. XXXX had no means to validate I was owed the {$250.00} UNLESS I provided the paperwork ( attached ). I believe this is a form of theivery. The {$250.00} were my funds once I met the terms ; yet, the funds were refused unless I did the footwork to prove the funds were due. 

I submit this complaint so if this occurs to others who also submit complaints, the bank can be held accountable for not meeting it's obligation unless and until the member proves their standing. I should not have had to prove the funds were mine. If I had misplaced the paperwork, would the bank have refused to provide the {$250.00} that was officially my money after meeting the terms on the coupon? 

I hope you can hold this bank accountable if this is a recurring episode. I believe it's an intentional " mistake '' as many people would not have followed-up. The bank is then rewarded by their lack of sufficient documentation.
XXXX XXXX XXXX XXXX XXXX is calling me 10-15 times a day as well as visiting my brother, mother and landlord and harrasing them and telling them they must open their garage doors looking for a car that I no longer have due to divorce. They have left notes on the doors of my families homes as well as leaving threatening messages on my voicemail despite the fact that I have asked them numerous times not to continue to contact me or my family. Their debt collection activities are illegal.
I am supposed to be made aware of any adverse information before being a post on my credit report. I never received information about these accounts. I never received copies of the charges/bills prior reporting the information to the credit bureau. You are collecting accounts that were not authorized. I would like to know how you guys obtained my social security information. This is a very grave violation of my rights. 
My rights as a consumer are being violated causing me to get a low credit score, affecting my chances for financial opportunities. No account number or history was attached or given ; they have my social security information, the source of these accounts is fraudulent, they tried to take money from my bank account for a membership I did n't authorize My credit score went from average to very poor. 
These accounts were reported to my credit report on XXXX, XXXX, out of no where. 


1 ) Account Number : Not provided TRIDENT ASSET MANAGEMENT XXXX XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$56.00} 2 ) Account Number : Not provided TRIDENT ASSET MANAGEMENT XXXX XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Balance : {$40.00}
XX/XX/2018 I was in contact with Discover for a student loan. I did not create an account with their company.
I was interested in a car so I filled out an online request for more information. I was contacted not too long after and was told to apply for financing online for the vehicle on Saturday the XXXX. They told me they would be closed on Sunday so to call Monday. They ran my credit for a car that was already sold.
I received a letter from " Kingston Data and Credit International ''  stating that I owed {$200.00} to the health club " XXXX XXXX ''. I was a member of this club from XX/XX/XXXX - XX/XX/XXXX in XXXX XXXX, SC. In XXXX of XXXX I cancelled my membership in accordance with the membership contract I signed in XXXX of XXXX. The contract stipulated a year 's membership ( 12 months + a down payment ) after which the membership moved to a month-to-month basis. So after satisfying the 12 month requirement ( XX/XX/XXXX - XX/XX/XXXX ) and continuing my membership for 3 more months, I decided I did not want to be a member anymore. So after paying the month of XX/XX/XXXX in full, I notified XXXX XXXX in XXXX XXXX, SC, that I wanted to cancel my membership. 4 months later, I receive notice that I'm 4 months behind my membership dues and this " debt '' has been sent to collections, i.e. Kingston Data and Credit International. 

This debt being pursued is entirely false, and all attempts to resolve this with XXXX XXXX have not been effective. They have not even responded. All inquiries to the debt collection firm disputing the validity of this debt have been met with this statement, " Please be advise as per our letter XX/XX/XXXX we have directed you if there is anything else you are requesting or need to discuss you are to contact XXXX XXXX at XXXX. '' I do not deserve this so called " debt '', I dispute its entire validity. I have copies of my membership contract showing that I acted in explicit accordance with its terms. I do not deserve to have this " debt '' collections record show up on my credit report, which is otherwise XXXX.
I request to block merchant to charge from my account in XXXX 2015, My credit was closed in XXXX 2015. But merchant still can charge me from my closing account for past two month. Chase told me that I need keeping watching my account for future charge. My account was closed already.
I filed extra charging complaint against Bank of America XXXX Bank of America refused send and showed my rent check of XXXX with sad icons on check because of I do not like Oregon resident on Bank of America paper check, Please Release rent check with sad icons must release information to U.S. XXXX at formal requests to male attorney allows looking at sad icons at formal requirement meeting with me in confrontation.
My information was stolen from me I be having a hard time I 've been XXXX in my money I get Social Security benefits but Money 's been deducted out of my bank account which is was US Bank at that period of time and I filed a dispute on my transaction and noterized every single document but the thing was that US Bank supposed to grab me the money and when I called him the other day which was yesterday XXXX they said that that account does n't exist and they do n't see it but the thing is that you are the treasure your account with supplemental security deposit and how much money and a long. Of time when I was XXXX and I money just communicated in the account and I thought. Time when I got out of XXXX in XXXX I did file the dispute and I got granted but the thing is that you would think they would give me back my money and I 'm paying back everything back to the Social Security and now I 'm in the bed and I will secure a lot of money so I want to be able to get this information fix thank youXXXX
XXXX / XXXX /  XXXX   From :  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , IA  XXXX  To :  Navient    XXXX   XXXX    XXXX   XXXX , PA  XXXX  In regards to : Navient I,  XXXX   XXXX  is non-adverse, nonbelligerent, non-committed party, secure creditor with power of attorney general and Executor on behalf of  XXXX   XXXX     XXXX    ESTATE , is in possession of your recent voluntary submission of evidentiary documents.   Navient must herein provide a true and certified copy of the complete  audit trail o f all accounts of  XXXX   XXXX   XXXX . Furthermore, in order for Navient to validate this so called debt, please provide verification through audit certification of debt entry in accordance with   XXXX   XXXX   in accordance to  XXXX   XXXX   XXXX  and  XXXX  conventions I would also need a copy of your Tax Registration certificate.   Please do not provide a statement of accounts. I already have received these document. I am wanting to see the complet e audit trail of all account ( s ) from conc eption.   Failure to substantiate the claim, please settle the account immediately within the next 30 days.     Sincerely,  XXXX   XXXX
I do not know about this debt at all. It says I owe {$690.00} against XXXX XXXX XXXX XXXX apartment, however I do n't know of any amount which was due at the time of vacation. Property manager confirmed me I had ZERO balance in my account. After 10 months or so I came to know I have to pay this amount but they never provided any evidence of this bill was due. Due to this collection my credit score is highly impacted and would like to have removed ASAP.
I have credit monitoring and noticed a " collection '' noted with TransUnion. The information is as follows : XXXX account reported on XX/XX/XXXXXXXX account reported on XX/XX/XXXX ClosedAccount # 1 $ XXXXBalanceXXXX XXXX2 XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXXOpened DateXX/XX/XXXXLast ReportedIndividualResponsibilityPaid collectionThis information is completely inaccurate. I 'm not sure what it even represents and would like it removed from my TransUnion credit report
Due to Hurricane Irma in the month of XXXX, I was placed on a Disaster Relief Program by Discover personal loans. My payment for the months of XXXX and XXXX were differed to the end of my loan. I received a letter of late payment during the month of XXXX, I contacted them directly and asked if everything was fine on my account. They said they couldn't control the automatic letters but not to worry I was enrolled in the program and I was not late on any payment. On XX/XX/XXXX, I was charged {$240.00} ( My regular monthly payment ) as if we were back on track yet I continued receiving late payment mail. I contacted them multiple times regarding this matter, every time I was told my account was up to date. My credit was ranging the 700 's when I suddenly experienced a drop to the 500 's. I started receiving email 's from other credit lines informing me they had decreased my credit limit due to a delinquent account I had. I contacted Discover immediately, they told me " We apologize, we don't know how this occurred. We'll fix it right away. '' This exact same conversation I have had it with 4 different representatives yet nothing has been fixed. It's been 6 months. Discover has damaged my credit score, credit history, and my opportunity to use my credit during this time period yet they don't seem concerned or have any intention on resolving the matter. I have even spoken to supervisors and managers, same information was told, same results were given.
I purchased a XXXX XXXX vehicle from XXXX XXXX on XX/XX/XXXX. I financed part of the cost of the vehicle and my lienholder was assigned from the dealership to XXXX XXXX, XXXX XXXX XXXX XXXX CT XXXX. At the time of purchase, I got the interest rate I wanted and all was well. A few days ago, I received a letter dated XX/XX/XXXX from XXXX XXXX stating that they " regretfully inform me that they are not agreeable to handling the transaction due to information in the report at the " '' crediting agency '' XXXX XXXX XXXX. '' '' XXXX gave me a credit score of XXXX and XXXX gave me a score of XXXX. Because of the low score from XXXX, regardless of my great scores with XXXX, XXXX, and XXXX ; XXXX XXXX wants to raise my interest rate. I called XXXX XXXX to talk about this on XX/XX/XXXX at XXXX and the person I talked to does n't seem to be able to answer any of my questions. So it seems I cant do anything about it! It appears to me that XXXX ( who I never heard of ) is providing XXXX XXXX a much lower score that the 3 major credit bureaus only so that XXXX XXXX can raise my interest rate and make money off of me. I find this to be very upsetting and seeing that XXXX XXXX  cant answer any questions, I need some help.
I was told my Sallie Mae that I had to make account past due and wait for collections to contact me before I could try and change my rate. The only other option I was given was forbearance, which only makes the problem worse. I ca n't pay this loan and have enough money to start my life.
XXXX and XXXX they never responded to these and are still open and the description of what took place is very outlined and it was all and ceated by wells fargo they lied/remove/delete and added all kinds of activity please read all the explanations and they are trying to get away with everything and was created by them please look at the explanations and they also deleted all kinds of statements and added all kinds of activity that had nothing to do with me and created all these accounts. enough is enough
I have filed disputes and called equifax to correct my bankruptcy reporting. Equifax has continously reported inaccurate bankrupt information. I am led to believe this is intentional. They have mentioned on their response letter they verified information against  XXXX   XXXX . Why can these people not get my credit report correct? They have affected my ability o purchase a home.They are reporting me filing a chapter  XXXX  on    XXXX   XXXX      when this bankruptcy has been paid in full and discharged. According to FCRA, if someone is reporting inaccurate information, it should be deleted.
I have XXXX XXXX loans through Wells Fargo, and have auto-pay. I've not had a late payment in 15 years of paying. I went into a local branch on XX/XX/2018, to make an additional principle payment ( wrote that I wanted it to go toward principle on a specific loan, and pointed it out repeatedly to the bank teller. ) I have two distinct loans ( XXXX ) and ( XXXX ). Each has a different interest rate. I requested my additional principle payment of {$500.00} that day go to the loan with the higher interest rate ( XXXX ). I was told the local branch could not do that, and the student loan department was closed, since it was Saturday. I spoke with a Personal Banker to explain the payment I wanted to make, and she indicated she would look into it and get back to me on Tuesday, XX/XX/2018. I have still not received a call back from the local Wells Fargo branch. 

On Wednesday, XX/XX/2018, I logged onto the Wells Fargo website and found that, not only did my extra {$500.00} payment split between the 2 loans, it did not all go toward the principle. I was charge {$24.00} in interest on loan XXXX, and {$24.00} in interest on loan XXXX. My normal auto-pay comes out on the XXXX of every month, just like clockwork for the last 15 years, and I make clear at the time of the extra payment that it was an " extra payment for principle only. '' So, it appears Wells Fargo is blocking me from : 1 ) Making a principle payment 2 ) Paying off the highest interest rate loan first 3 ) By default, collecting all of the  possible interest they can on my loans, and trying to extend my payments as long as possible. 

I've tried many times over the years to make a principle payment, and have been met each time by Wells Fargo with the same attitude : " There's no way to do that. '' Now that they have finally been reeled-in by the government for unfair business practices, I'd like to point out that they are unwilling and/or unable to process a principle payment on a specific loan, which I believe to be against the law.
I obtained my credit report and discovered multiple errors. I send a letter to XXXX  stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XXXX/XXXX/XXXX and it was signed for on XXXX/XXXX/XXXX. I received a letter back stating they had verified this using a third party ( XXXX ). I sent a second letter on XXXX/XXXX/XXXX and it was signed for on XXXX/XXXX/XXXX, stating that I was requesting the information that they used to verify the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not prove and documentation to me as verification. I mailed my third letter on XXXX/XXXX/XXXX and it was signed for on XXXX/XXXX/XXXX. I called XXXX and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. I mailed a fourth letter on XXXX/XXXX/XXXX and it was signed for on XXXX/XXXX/XXXX. This time I provided a letter that I received from the U.S. Bankruptcy Court stating that they do not verify information with credit bureaus. Once again, this proves that XXXX has failed to follow the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
I have given XXXX multiple attempts to follow the laws and even called them so I could discuss this with an actual person. 
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

Any help in this matter would be greatly appreciated.
I am having an issue with the Experian website in trying to upload an amended police report that I have made on XXXX XXXX 2015. I picked up the report on XXXX XXXX 2015 and it shows the original report filed on XXXX XXXX 2015 and on page XXXX it is the amended report from XXXX XXXX 2015. I am trying to upload the police report because there is fraudulent information on my credit report that is reporting there is multiple fraudulent inquiries on the credit report with XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX XXXX on XX/XX/2015, XXXX Card on XX/XX/2015, XXXX XXXX XXXX XX/XX/2015, Colorado XXXX on XX/XX/2015, XXXX Colorado XXXX on XX/XX/2015, XXXX Bank on XX/XX/2015. One of these inquiries resulted in a Fraudulent account with XXXX XXXX union Account # XXXX to be established fraudulent in my name.