WillisBack/dataset-financial-user-claim huggingface dataset:
RE : FCRA Violation / Unfair Business PracticesComplaint Against : AllianceOne Receivable Management XXXX XXXX. 
XXXX XXXX XXXX, CA XXXX XXXX, 2015RE : Account # XXXXMy name is XXXX XXXX. I would like to report a clear VIOLATION of the FCRA. I first made aware of AllianceOne Receivable Management, XXXX on XXXX XXXX, 2015. I received call from an Alliance Representative stating that they were the Collection Agency attempting to collect a debt. They stated that a letter had been sent letter. I stated that I had not received any information that I that I owed anyone. Nevertheless, I requested something in writing. The person I talked with on XXXX XXXX, 2015 the AllianceOne rep stated that the letters they sent was not a Certified Letter with a Return Receipt. 
On XXXX XXXX I received another call from XXXX. It was a follow up call. I told the rep that I had not received any letter. Upon reviewing my contact information. I discovered that they did not have the correct mailing address. I stated that I wanted something in writing. She said that she would have something sent to me. 

On XXXX XXXX, 2015 I received a letter. Upon review of the information I determined that I would pay the claim. I did n't want to hassle and waste my time, money and effort. Furthermore, I did not want anything to IMPACT my credit. 
However, just before I called AllianceOne I reviewed my credit and discovered a VOILATION. AllanceOne had already reported the Collection Account to the credit Bureaus. The date that was reported on my credit report was XXXX XXXX, 2015. 
This is a violation of their own policy in the letter that I received. The letter says, " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. " Thirty days from the time I received the letter would be XXXX XXXX. The actions of AllianceOne is clearly an AGGRESSIVE, UNLAWFUL and a VIOLATION of Federal Trade Commission guidelines. 

There actions have caused harm to my credit. They did not give me an opportunity to cure or make right the situation. AllianceOne is XXXX and I am XXXX. A BIG company like AllianceOne should be ashamed. Of course, they are not. It appears the organization like FTC are allowing these unfair and unlawful actions against consumers. 
Today, XXXX XXXX, 2015 I paid the Collection. The confirmation number is XXXX. They claimed that they would delete the Trade Line in 30 days. I am truly thankful that they will remove the wrongful reporting of the collection. It should have never happened. 
Think about it. Think about if it was your husband, wife, mother, father, brother ect ... what would you do. You would ask to compensated in some way for the harm they caused. The time, money and effort. Just write this letter is taking away time to make money for my family. 
What are the legal remedies against AllianceOne? What are the other agencies that I make a complaint? 

HELP!!!!!!!!!!!! 

XXXX XXXX. 

Thanks!
I filed a previous complaint against Seterus but after reading through a little more of the XXXX correspondence they have sent in less than a week, Seterus needs to back up and back off. They are sending extraordinarily aggressive, demanding, and unprofessional correspondence especially considering they do not have the facts of this matter and even more especially considering that I have no clue who this company is. 

The 'backing up ' is they need to introduce themselves and present me with information and documentation on who they are and under what authority and authorization they are contacting me. It sure could appear to be a scam when someone aggressively contacts you demanding thousands of dollars and making aggressive threats if do not pay it immediately. If it is legitimate, I would assume there should be documentation from XXXX as one of my outstanding issues with XXXX XXXX XXXX is they never provided such documentation and also were barking orders ... 

So once Seterus, or more like XXXX, provides that information, then Seterus can open up discussions and this is then we begin addressing the fact that the information they have is incorrect as already mentioned in the previous complaint. 

Based on the correspondence received, I am very suspect that Seterus has violated rules and/or regulations as you ca n't just start flooding people with correspondence and making extreme demands and threats and especially without proper documentation too all aspects of the correspondence.
You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX XXXX XXXX XXXX from my credit report!!!!! 
XXXX card balance is not correct!!!! 
XXXX XXXX XXXX card balance is not correct!!! 
XXXX high balance XXXX is displayed and affecting my credit account is closed MUST BE DELETED XXXX BALANCE IS INCORRECT!!!! 
XXXX MISTAKE MUST BE REMOVED OFFICE RAN APPICATION THREE TIMES!!!! THET AGREED TO REMOVE IT MY ADDRESS NOT CORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the XXXX. System You must update my credit score!!!!
I was the victim of a home repair scam across state lines related to my home in XXXX, I live in XXXX. The company advertised an amazing deal for certain services and I gave them my credit card number so they could charge me when they completed the job. Instead they ran up my card over {$1400.00}. Double what I originally discussed with them and all of it despite not having finished a single project. All they did was send me ONE " before '' picture with them supposedly working and XXXX update of XXXX wall being partially painted. When I saw the charges I disputed them. XXXX responded by forging my signature on invoices and submitted to Citibank - they claim I was present at the time of sale to sign off on the work. This made Citibank say that my dispute was regarding the " QUALITY '' of the work done. There was not enough/NO work done to dispute the QUALITY. I submitted over XXXX pages of documentation to support my claim including : Proof of forgery of my signature including a police report, bank records showing my real signature ... And a Police Report number where I am pressing charges. 
Proof that we could not have been at the property at the time of sale ( as the merchant alleges ) because medical and employment records have me and my mother in XXXX Communications from XXXX themselves that they could not complete the job because of personal problems, backed up by phone records. 
A CERTIFIED inspection from a XXXX Licensed Inspection Company detailing that the work being billed was not done. Not that the quality as bad or in question ... THAT IT WAS NOT DONE. 
Invoices where I had to hire another company to do the work XXXX did n't do. Stating that less than XXXX % of the home had any projects BEGUN. 
XXXX and Realtor documents showing the home was pulled off the market for " repairs '' and kept off the market for an extended period of time, with emails from the Realtor informing me that work is not being done on the house. Repairs that were not done until AFTER another company was hired. 

I have phone recordings of Citibank Dispute personnel telling me I had one of the best documented cases of unauthorized billing they had ever seen. One Supervisor even gave me her personal email so I could send her my documentation directly vs. responding to disputes @ citi email. Yet, not once but TWICE Citibank has responded that the charges were " valid '' .... No, they were not! Forgery is not valid. Charging more and more often than authorized is not valid. Starting a job just enough to take a picture and convince me that work is being done and then NEVER ACTUALLY DOING IT is not " valid ''. This is not about the QUALITY of work, there is no completed work to judge the quality of. Citibank is protecting its interests in ruling the way it did, despite common sense and a preponderance of evidence.
First my mortgageisnot behind and hasnt been behind for a while now. Since XX/XX/XXXX my payments to my mortgage company Ocwen has been rejecting my mortgage payments and treating me as if I am not making payments. I was first told that it was a NSF problem, I didnt investigate it because I had an issue in the past where I had to shuffle my accounts and paid my mortgage on the wrong checking account - I took responsiblity for that error and agreed to the fees, etc.. My account had gotten behind and I used XXXX XXXX get my funds to Ocwen same day and apparently that is the only way I can submit payments since XX/XX/XXXX ( so I learned yeserday ). I was never informed of that unitl XX/XX/XXXX. I have been told it was returned for NSF, then I entered the wrong check numbers ( when they dont even request check # 's online ), then I am using the wrong account number. I suggested several times to them to check and see if my account has any flags and it didnt matter because as long as I have been a customer of Ocwen for many years and XXXX thing is clear, the customer service team ca n't help anyone. I advised the company repeatedly that my account seems to be flagged for no online payments, and every customer service person I spoke to advised me that is not true and continues to advise me to send my payment XXXX or XXXX XXXX. It cost {$40.00} each time to send money, then I am taking on another nsf fee of {$37.00} and my credit score is impacted by being reported late which hurt me when I purchased my new car recently. I have never gotten an XXXX on the phone so I am not sure if there is a language barrier becaseu the urgency of my issue is not being acknowleged or what is the problem but I have been told they would escalate and get back to me, I have asked for managers and I have been lied to that they are transfering me to a manager and I spent XXXX minutes with another representative. I am out of almost {$300.00} worth of fees and then my credit score hgas been impacted as if i am not paying my mortgage, when in fact I am paying it and they are rejecting my payments. I can not go another month waiting for them to fix this issue, I just cant afford to pay XXXX again. I need to speak to a managment level employee to resolve this issue once and for all. I ned Ocwen to provide me the same information every time I talk to them and answer why my account information is not accurate. The customer service number is manned by mindless robots who can not assist real problems. I sent an email to relationship manager and several online emails o Obudsmen. with no resoltion. It is hopeless. Is there anything I can do about this?
I have made several attempts to dispute hard inquiries on my credit report. Each letter ( 3 ) stated that I did not authorize the inquires on the report and asked them to Remove them. After 3 failed attempts, I sent out letters to all companies that I did not authorize a transaction with and they stated they did not have an account for me and sent a letter to the reporting agency confirming that it did not belong to me and a removal from my report would be a sufficient action. After waiting over a month for the inquiries to be removed, I called each company with said inquiries to confirm the process was complete. After being denied lines of credit due to excessive inquiries that were not authorized, I decided to file a complaint. The inquiries are : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I have had a Discover credit card for 10 years with a credit limit of {$18000.00}. I purchased a home in XX/XX/XXXX and part of my mortgage agreement was to pay off the remaining balance on the Discover card of {$3500.00}. When I closed on my house on XX/XX/2016, the title company handling my closing received the funds via wire to pay off the card and paid it off within 2 weeks. I then received a letter from Discover notifying me that my account was closed. I called them and they notified me that they received a letter along with my payment requesting for the account to be closed. I requested a copy of the letter and upon receiving it, saw that the title company had closed my account without authorization ( since that was n't a requirement of my mortgage lender ) and that the document had XXXX borrower signatures that were not mine. I called my mortgage company and they verified that the closing of the card was not a requirement and the title company was in the wrong. I called the title company and they admitted their error but said they could not help me any further. When contacting Discover, they forwarded me to a supervisor two times on two separate occasions and eventually told me that they would not re-open my account even though the document they received did not have my signature. I offered to send them a letter from the title company that committed the error and they refused that option as well. I contacted the fraud department at Discover and they told me the same thing. Since the account closed had a {$18000.00} credit limit, my credit ratio changed and therefore my credit score went down XXXX-XXXX points.
All three credit bureaus : Experian, XXXX and XXXX can not explain my credit Score while all scores are different. None of these bureaus can explain the Score process nor specifically why my credit score is being negatively impacted by their own records, due to " revolving credit not being established long enough ''. Their own records incidate my revolving credit has been established 14yr, 10 months. This was NOT reflected on my credit bureaus until I disputed a negative rating from XXXX, which was removed. Nearly immediately this Negative factor arose and no one will or can explain.
This Two Credit Report Agency XXXX and Equifax, has reported XXXX, XXXX Reported on CC  
Sent email and file a complaint towards the company also request the removal of the false information.

"I have paid XXXX bill on time i have copy of receipt, I proof of bill paid cash on XX/XX/2017."$XXXX payment.
On XXXX XXXX, I notified XXXX XXXX that a {$100.00} payment had been made to my mother 's closed credit card account. ( I made a mistake in my electronic bill paying system. ) Since she was deceased and I had closed the account upon her passing, they requested a copy of her death certificate and her will showing me as executor. 

That information was faxed on XX/XX/XXXX. ( In subsequent conversations, they confirmed receipt of this information. ) To that fax I also attached a letter clearly and specifically requesting the refund and that the check be made out to me since the estate had been settled in 2013. 

Calls to Customer Service on XX/XX/XXXX and XX/XX/XXXX yield no results -- agents were unable to give me a status and reluctant to allow me to speak to a supervise. 

On XX/XX/XXXX I finally spoke with a supervisor who told me the check had been mailed that week ( approx. XX/XX/XXXX ) but it had been made out to the estate, in direct contradiction of my written request. She told me she would stop payment on the first check and reissue another check correctly made out to me and not the estate. 
I did receive the incorrect check a day or so after this conversation. I destroyed it since payment had been stopped. 

As of today, XX/XX/XXXX, I am still waiting for the correct check. Calls to the credit card issuer are transferred between departments, including closed departments. No one, including supervisors seem motivated or empowered to resolve a long standing credit balance request. 

Even considering the involvement of a closed account, it should not take over 3 months to process a refund request.
Just refinanced home IN XXXX 2017. Other companies keep on calling to refinance with them. Checked my credit report on XXXX XXXX, 2017 without my permission.
I submitted a written request to have PMI removed from my account because the LTV was at XXXX % and would drop below XXXX % with the next scheduled payment. I received a letter and form from the bank with instructions on how to remove the PMI. One of the options was to pay the remaining principal balance of .1 % along with a Certificate of Value fee. I completed the form, selected the option to pay the principal down to XXXX % and the COV fee, and mailed it along with a check for {$480.00} for " XXXX XX/XX/XXXX, the check was cashed by the bank. On XX/XX/XXXX, the bank charged a payment that included PMI. I contacted the bank on XX/XX/XXXX and XX/XX/XXXX to find out the status of the request. The phone representative stated that the PMI request was denied, but could not provide any additional information regarding why the check was cashed, why the request was denied, or why I was not notified. Additionally, the bank could not confirm if the funds from the check have been applied to account, or simply taken by the bank despite the rejection. 

I am filing this complaint because PHH refuses to remove PMI from my home mortgage despite the fact that I meet the requirements of the Homeownership Protection Act of XX/XX/XXXX. I have paid down my mortgage to XXXX % of the loan, have a good record of payment and compliance with the terms of the mortgage, made a written request, and paid for the COV to show that the value of the property has n't gone down. The property is not encumbered with liens ( such as a XXXX mortgage ). Since I meet all these conditions, PHH must grant the request to cancel the PMI.
I had an auto loan with a company called Blackhawk Auto Loans. After only 2 month of paying on the vehicle it got totaled. After insurance paid for the amount it was worth there was a {$600.00} balance remaining and I sent a check to them the same week to pay it off. After just trying to get a loan again for a new car they were n't able to because Blackhawk Auto Loans took a very very long time to process the check it shows that I left my auto loan unpaid for over 4 months. Now Blackhawk Auto Loans are no longer in business and the phone number they provide to get information about the company that bought them out is out of service. I can not find anything to help me fix this and my credit is terrible now.
On XX/XX/2018, I called in to close my XXXX XXXX XXXX XXXX card as the annual fee had come due and I was not interested in keeping the card open for another year. The account was closed with no problem. I received an e-mail on XX/XX/2018 stating that not only did I have a past due balance but that I had been charged interested on the annual fee. I called on XX/XX/2018 to resolve the issue and was told that even though I closed the account they were still going to charge the annual fee and were still expecting me to pay this. This makes no sense to me as I shouldn't have to pay a fee for an account that I no longer have open. Additionally, Synchrony is no longer running the XXXX XXXX XXXX XXXX card program AT ALL after XX/XX/2018 anyway so there wouldn't even be a full year to use the card.
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4.  ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An  itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX   Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
My checking account with bank of America was purposely overdrawn because the bank would process a check ACH and deduct the amount from my balance. Then a paper check would come through and they would back date it to before the date I wrote the check. This would cause the ACH check to over draw my account and I would be charged a XXXX dollar fee even for items that did n't overdraw the account. I am now so far in the red I am threatened with legal action
My concern is how the student loan repayments are calculated in an income driven repayment plan. I recently re-enrolled in an income based repayment plan with Navient. After doing so my student loan payments doubled what I was paying originally. I have contacted Navient and asked them if there is anything else I can do to lower my payments and they informed me that if I come out of the income based repayment plan that my payments would be higher. The only way for them to factor in only my income is for me to file my taxes married filling separate. I am trying so hard to manage my current student loan payments that is higher than my monthly mortgage payment and am wondering will there ever be a day any time soon when student loan repayments will be based solely on the income of the individual who has the debt and not the household income? Without me having to change how I file my taxes. After I pay my student loans I am unable to contribute anything else to my household. I am the only person paying back my debt, not my husband and certainly not our XXXX year old daughter. I understand the effects of having bad credit so I am working hard to ensure that I am not late or default on my student loans. I have even adjusted my tax deductions so that I could come home with more money to assist in taking the pressure off. I am asking, praying for some type of relief and pray that one day soon someone will hear my concerns and that of others and say maybe we need to rethink this. I appreciate you all taking time to read my concern. 

Thank you in Advance.
The disputed account has been given ample time to validate their position of maintaining a collection account on my personal credit profiles. It is now time that I request a division of the Federal Trade Commission known as the Consumer Financial Protection Bureau to demand accountability. I have never paid on any account to this organization. This company obtained my personal information from a debt pooling service. There was never a legal assignment or transfer of ownership. FTC XXXX XXXX XXXX XXXX ( 2009 ) stipulates XXXX criteria f a legal collection process : 1 ) The debt must be within the resident jurisdiction of legal collectability 2 ) the ownership transfer must be in hard copy documentation, backed up upon request and 3 ) the individual must be given ample notice or 30-days that the legal collection could be posted on a person 's credit report is not rectified within said 30-day notification. In this matter, the collection company failed on all three criteria. The CFPB needs to monitor and sanction XXXX XXXX XXXX, and a " Cease & Desist '' must once again be administered against this company for such illegal collection practices.
While reviewing my EXPERIAN, EQUIFAX AND TRANSUNION credit report, I noticed an unauthorized and fraudulent inquiries conducted by ALLY FINANCIAL ( Tel : XXXX ) on XXXX/XXXX/2016. I did not authorize employees of ALLY FINANCIAL to review my credit report for nay purpose at any time. Further, I personally contacted this company and requested that they provide me with any signed documents authorizing them to review my report within 5 business days and they have failed to do so in clear violation of my Civil rights under FCRA and PRIVACY RIGHT. As a direct result I have continued to suffer irreparable economic loss due in large part to the gross negligence of ALLY FINANCIAL acts and Omission.