WillisBack/dataset-financial-user-claim huggingface dataset:
I 've been a customer of yours for years, and I tried to refi with you to drop my pmi. I was told you needed a an appraisal of the house and charge me {$500.00} for it but before I gave you my visa number I was informed that if the loan didnot go thru I would be refunded. I did not think there would be a problem because on XXXX and XXXX my house was valued over {$110000.00} but my appraisal came in at {$100000.00} Seriously? How can both internet cites be that far off plus homes around me recently sold over {$120000.00} ( see attatched ) so my loan did not not go thru and you only refunded {$170.00} of my {$500.00} Are you willing to lose a loyal customer who has always payed on time over the {$320.00} you still owe me? Here are home values close to me SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX sqft XXXX XXXX XXXX , XXXX, PA XXXX SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX XXXX XXXX XXXX XXXX , XXXX, PA XXXX SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX XXXX XXXX XXXX XXXX , XXXX, PA XXXX SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX sqft XXXX XXXX XXXX , XXXX, PA XXXX :
" As discussed previously, an FDCPA claim has nothing to do with whether the underlying debt is valid. An FDCPA claim concerns the method of collecting the debt. It does not arise out of the transaction creating the debt [. ] Azar, 874 F. Supp. at 1318. Footnote : See 15 U.S.C. 1692k ( governing civil liability under the Act See that XXXX XXXX XXXX ignored this fact and showed no proof, which is a clear violation of this : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Also this : 1. A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX. XXXX XXXX, XXXX Haw. XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Hawaii XXXX XXXX ( Hawaii XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX ), and XXXX of XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ). and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX. XXXX ). Letter from Federal Trade Commission ( FTC ) Attorney XXXX XXXX XXXX to XXXX XXXX XXXX stating that reporting a devt to a CRA constitutes a collection activity under 1692g ( b ). Several cases have relied upon the FTC letter as persuasive authority that reporting a debt to a CRA is a collection activity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX., et al., If this is not deleted by XXXX XXXX XXXX immediately by XXXX XXXX XXXX I will swiftly turn this over to national FDCPA, FCRA attorney XXXX XXXX for the potential FCRA/TDCPA violations which offer treble damages. Also this, was GAP INSURANCE refund deducted for what you and XXXX have reported to my credit reports ( i.e. false reporting ) and In Texas any holder attempting to collect on a motor vehicle retail installment contract must have a XXXX XXXX XXXX XXXX. You DO NOT
XXXX XXXX is the person who had a lease an apartment in XXXX, Ca in XX/XX/2013 for his business. Im not the person who in charge with the payment but I was only the employee that I came over off and on Then I sign the contract because they told me you are over XXXX yrs. Also I didnt know until Couple months ago when I received the news from XXXX and XXXX Please remove my name from the credit history ASAP.
I called to North Group Inc. Because I received a collection bill from them, after providing them with all of my information for their verification, even though they sent a letter to my home with the enclosed bill, I was told that my date of birth did not match, even though all of my other information was correct, after speaking with XXXX different people I was told that there was nothing they could do and the only help they can give me was by deleting my address from the mailing list which it will not really help me since I can not even dispute the debt since my date of birth does not match, so in 30 days the debt will be recorded to collections under my name and social, hence why I am making the complaint asking for help.
I went into  XXXX   XXXX   (    XXXX   XXXX   XXXX   ). On     XX/XX/XXXX     because  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.      Since  XX/XX/XXXX  I h ave not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all   XXXX   credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull on  XX/XX/XXXX  and in   XX/XX/XXXX  were  both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on  XX/XX/XXXX . There was no explanation on how or why my credit was pulled this time either. I had n't even been into   XXXX   XXXX   office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX   Attacked me tr ying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX  Inquiry be removed My my credit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  Ally Financial Inc   XXXX    XXXX    XXXX   XXXX , MN  XXXX  The inquiry was submitted on   XX/XX/XXXX   and on     XX/XX/XXXX  w ithout authorization or consent.      2.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on   XX/XX/XXXX   and again on   XX/XX/XXXX  . Both without authorization or consent.      3.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on   XX/XX/XXXX   and again on   XX/XX/XXXX . B oth without authorization or consent.      4.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted on   XX/XX/XXXX   Without authorization or consent.     5.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted on   XX/XX/XXXX .  Both without authorization or consent.     I am asking for these unauthorized inquiries to be investigated and removed. I also think it 's fair that the derogatory effect be removed. I would like all my points back.     I have contacted all the companies via certified mail and no one will respond.
This is a copy of a letter that was sent to Wells Fargo that explains the situation. 
XXXX # XXXXXX/XX/XXXXAttention : Customer Support, My loan has been reported late for 6 years now and I have never missed a payment. I have written letters like the one below and not had any favorable response. Please keep in mind my payments are auto drafted every XXXX weeks. 
The history is as follows1 ) XX/XX/XXXX my father was diagnosed with XXXX XXXX and given XXXX. 
2 ) I called XXXX XXXX to tell them I would miss some work and went through a lengthy telephone interview3 ) As a result of said interview I was told my next XXXX payments ( XXXX ) would not be drafted and they would be added to the end of my loan. 
4 ) Said payments were not drafted even though there was an ample balance in my account. 
5 ) Years later I discovered my loan being reported late every month yet my payments have been drafted every XXXX weeks on time and never missed. 
Please look at the payment history. You auto draft a payment every XXXX weeks on time and never missed. The only response I received from you is that I asked to not auto draft the payment and I would send it. This makes no sense. I have always had an ample balance in the bank and would not make this mistake. 

I was told that I could pay up by a Wells Forgo representative that I could pay the XXXX payments in question and they would drop the late payments and additional charges which I can do any time. However, my credit is a bigger concern. I asked for a letter from you stating this was an error so I can fix my credit and it was denied. I am asking one more time for help in this matter before I call my attorney general to report this as I am not at fault. This error has affected my ability to secure credit for my business. Your immediate attention is greatly needed. 

I am prepared to pay the payments in question, however I am not at fault for the late payments and interest. I have tried to resolve this on more than XXXX calls or letters and they keep telling me It 's my error, but is is not. My first contact was with XXXX XXXX which authorized a XXXX payment ( XXXX ) " skip a pay '' which occurred and then XXXX sold to Wachovia and the payments started to be reported as late.
CREDIT BUREAU COLLECTION SERVICE , INC KEPT CALLING MY CELL NO.XXXX, SKIP TRACING FOR FAMILY MEMBERS 13 TIMES ON MY CELL OVER THE PAST 7 MONTHS. ( SEE SCREENSHOT PHOTOS ). ALSO, TOLD THEM IN XX/XX/2018 THAT MY NUMBER WAS IN THE INDIANAS DON'T CALL REGISTRY, BUT KEPT CALLING. THEY HAVE VIOLATED THE FDCPA AND TCPA.
On XXXX XXXX, XXXX I applied for loan consolidation through studentloans.gov. Navient was my servicer at the time so they processed the consolidation. I selected all existing loans on studentloans.gov for consolidation. I didn't leave one out. I wanted everything consolidated. On XXXX XXXX I called Navient and spoke to XXXX to cancel the consolidation process due to error in selecting intended servicer. I had selected XXXX XXXX by mistake. I wanted XXXX to service my loans after consolidation. XXXX told me I had a loan summary letter produced on XXXX XXXX informing me of the details of the consolidation. I had 10 days from date of letter produced to make any changes. I was well within the 10 days. XXXX submitted a request to the back office to cancel the consolidation, and informed me I should get a letter in the mail once it has been canceled. 

I never got that letter. Instead I got a welcome letter from XXXX XXXX dated XX/XX/XXXX. They had processed the consolidation and completely ignored my request to cancel. 

The consolidation didn't include all the loans as I had originally applied for. 2 separate loans were later consolidated on XX/XX/XXXX. I don't know why this occured, outside of the original consolidation process, nor was I notified of it taking place until it was finalized. I had called 2 days earlier and spoke with XXXX to have the consolidation canceled and yet the isolated loans still were processed. 

I then tried to file a complaint within their site, but to no avail. I called on XX/XX/XXXX and spoke to XXXX, a consolidation loan specialist from Navient. She could not resolve my situation despite confirming my request made weeks earlier on XX/XX/XXXX. XXXX informed me she would submit another request to higher ups. 

I also called XXXX XXXX to cancel the consolidation but they could not help me. They told me to call Navient. 

All Navient has done is spin me in loops. Give me the phone number to XXXX who would in turn have me call Navient to cancel the consolidation. I can never get anyone from Navient with authority to cancel or resolve my situation on the phone. All they have been able to do is submit requests to higher ups or back office, whom I never get any response from, ever. They have me wait and wait, for nothing.
On XX/XX/XXXX and XX/XX/XXXX I received XXXX XXXX XXXX has flagged your account as Collections.XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX XXXX Payment Status Collections Status Date XX/XX/XXXX Balance {$490.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX reported a new account on your XXXX  Credit Report.XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$490.00} Balance Date XX/XX/XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MN XXXX This company did not contact me prior to placing this on my credit. I have never had a XXXX account. Because my identity has been compromised by several companies to include XXXX credit bureau. I have requested a copy of the application along with whatever identification used. I would like this information removed from my credit until this issued has been resolved. This negative information on my reports is causing me a hardship.
I have contacted the company and they did nothing about it. CREDIT MANAGEMENT LP XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX CREDIT MANAGEMENT - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00}, {$260.00}, {$140.00}
I submitted a formal complaint against Ditech in regards to XXXX program and I supplied all information that they asked, which was proof of my 1st lien being modified under the XXXX and other document that support the XXXX modification. Ditech did n't consider my information that I supplied and replied that XXXX XXXX XXXX XXXX XXXX did n't reported my 1st mortgage being modified under the XXXX. Therefore, Ditech refused to consider reviewing my loan for the XXXX because of the negligence of XXXX XXXX reporting information about XXXX program. I believe Ditech is not servicing my appropriately and they are hinder me from receiving my opportunity to government assistance program in reference to my account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX CHASE MTG XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately.

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : CHASE MTG XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
I went into California Check Cashing located at XXXX XXXX XXXX XXXX in XXXX XXXX, CA on or about XX/XX/XXXX to get a quote for filing my XX/XX/XXXX income taxes, as they have filed them in the past. I was unsatisfied with the quote, mainly because I was told to sit down and without a question of deductions and/or questions about taxes ( earned income ), the clerk called me up and wrote a quote on a post it note to inform me of the amount that I should expect to receive. At that time, I asked the clerk how could she estimate my taxes without asking for any information, then I asked for another employer to complete the transaction. The clerk telephoned XXXX, the store Manager and then I was told to come back the next morning to have my taxes finalized. I expressed that I did not wish to have my taxes filed at that time. On XX/XX/XXXX I went into XXXX XXXX to get another quote for my taxes and was told at that time that I could not file because my taxes were already filed. I immediately went to CA Check Cashing and was told indeed that my taxes had been filed. XXXX, the XXXX was in the office and offered to Amend the taxes that were fraudulently filed. I am very upset because I am out of the opportunity to see if the tax preparer had filed for earned income tax credit and other deductions ( student loan interest ). I am still unaware of the amount of fees charged by them. Please help me to receive the proper justice for this horrible oversight.
XX/XX/2017 I was hospitalized due to old military XXXX XXXX issues I was un aware va would not cover the hospital visits I have tried to work with the company and the va and I just am going threw medical issues and financial Hardship at this time and can not pay.
I received a 0 % interest promotion with Best Buy for 18 months. It was explained to me that after 18 months, if the balance was not paid off I would start paying interest. It sounded like any normal credit card to me. It was NOT made clear that the interest would be charged on the entire original purchase at the end of 18 months. As such, I had gotten my balance from almost $ XXXX down to {$170.00} by the end of the XXXX month, and as it was XXXX time, I decided to pay the remaining balance off next month, as I had other purchases to make for the holidays ( in other stores ). I did not think it would be a big deal to wait to pay the last amount next month. Next thing I know I get hit with an interest charge just over {$400.00} on my Best Buy Card. They had sent out a notice before the final payment stating they were going to charge me interest, but did n't state how much or explain that it was interest on the entire original purchase. I had only made that XXXX purchase on the best buy card. I had not been delinquent in my payments in any way. What is the worst part is that I could have paid off the remaining {$170.00} at the time, but I was unaware of the severity of the impending interest charge, and chose to make other things a priority. Had I known I would not be in this situation.
Equifax - the data breach this year is unacceptable - and with the company refusing to acknowledge the breach until recently shows a blatant disrespect for the people they serve.
Equifax refuses to unfreeze credit despite repeated attempts to do so. Possibly confusing me with my twin sister.
In the latter part of XX/XX/XXXX my wife and I applied for a Lowe 's credit card. I then received a letter from Synchrony Bank, XXXX XXXX XXXX, XXXX FL in which I was told that my part of the application had been rejected. My credit score is around XXXX and I owe nothing to anyone except a small mortgage. All my bills are paid on time. My annual income is about {$20000.00}. Apparently the XXXX credit agency had a hand in this decision.
A collection of {$2400.00} with XXXX XXXX XXXX that had an initial collection year of XX/XX/XXXX has been added to Experian Report again. Now it is showing as a recent collection from XX/XX/XXXX and I believe this is a Debt that had been removed from my credit report back in XX/XX/XXXX due to the collection agency not being able to verify and validate it was my debt. This debt was initially put on my credit before i was even notified and i fought it then and it was removed. Now it has popped back up 6 days ago in XX/XX/XXXX without any knowledge to me this was still an ongoing issue. I do not want to contact them again due to the harassment i dealt with then but i do feel that i should have been notified. I feel as they violated my rights by adding it back without notifying me at all and i want it removed. I have lived in the same home for over a year and had the same contact information longer than that ( Phone, Email, ect. ) Please have them remove this as they were not  able to validate then and this should not be an issue with peoples credit that they are able to just add collections whenever they feel like it. This is Illegal activity alot of people deal with.
I received a XXXX gift card as a birthday present. Upon use of this XXXX gift card for {$150.00} the card was declined. I called the number listed on the back of the card and spoke to a representative who proceeded to tell me she was unable to find the card number. I then provided the serial number from the back of the card and she did pull up my card. She then proceeded to tell me she was sending me a replacement card and I would receive it within XXXX14 business days. I requested expedited shipping and this was not offered or provided. I requested I speak to a supervisor and during the extensive hold she placed me on the call was answered and immediately disconnected. I then called back and proceeded to speak to another representative who stated she was " resolving my issue ''. She confirmed the card had been sent and stated it would only be up to 10 business days and requested I be placed on a brief hold while she " resolves my issue ''. After 45 minutes of hold time with brief interludes of " Thank you, I 'm still looking into this '' ; I requested I no longer wait on hold and requested a call back from Incomm corporate. She stated this call back would occur within 48hrs from approx XXXX XXXX. This callback never occurred, I then proceeded to call them today XXXX since no callback had occurred. They then told me I need the receipt or I need the store to print the receipt that they can find in their electronic journal and XXXX of my utility bills within the last 30 days. They provided me with an email address of XXXXXXXXXXXX with a reference number. I then called the sender of the gift card and found the purchase location to be XXXX in XXXX, RI and date. I called this XXXX and spoke with a customer service representative that stated she had numerous transactions from that date and wo n't provide me with a receipt without myself or the sender being there in person even though I have the serial number and and card number. I then again contacted the purchaser/sender of the gift card and he will be returning shortly to ascertain this document. I did want to start a dialogue with you about what seems to be going on here. From my simple research on XXXX gift card and incomm I found quite a few stories all leading to essentially theft of the funds purchased. I am working the get the receipt requested but since it was a gift I did n't receive a receipt with the card. Seems their strategy is to delay and make it extremely difficult to get the funds purchased. Case after case found with a simple XXXX search. I believe their is some larger fraud occurring here. I hope to pursue this complaint through the CFPB to some resolution with incomm.
In 2012 i had full Medicaid due to XXXX. The hospital apparently did not provide their XXXX   dept this information. These bills were sold to XXXX XXXX XXXX. I have disputed with them. Equifax has continued to allow these bills to remain on my report even though i have disputed with Equifax as well as the company. Equifax allows companies to put whatever information they want on credit report but refuses to remove or correct when there is an error.