WillisBack/dataset-financial-user-claim huggingface dataset:
TILA, FCPA, FDCPA and Privacy act VIOLATIONS This is an attempt to validate a debt, against ALLY On XX/XX/XXXX and on XX/XX/XXXX I made the total payment for the remaining auto balance. Even though, being aware that I never received a loan and the bank is committing fraud per GAAP and TILA. My wife called XXXX XXXX on XX/XX/XXXX in the morning to confirm payment was received. She was told by your representative that full payment was received and a remaining balance is do to you. We will return the balance to you and I will send an email for them to release the lien. The call was also recorded. LOAN PAID IN FULL! XXXX XXXX loan and lien has been fully paid and satisfy. I have all documents from Ally as proof ( Ally Congratulations with Contract stamped PAID IN FULL, title and lease release. I have NOT seen any evidence to support any allegations to the contrary, and I believe no such evidence exists. Payment confirmation copies attached from ALLY website, 4 pages. Also, attached copy of letter from Ally Congratulations, title and lease release. Furthermore, copies from the credit Bureaus showing Ally account paid and closed. ACCOUNT AUDIT was sent out certified mail to the Title CFO XXXX, XXXX XXXX and CEO XXXX XXXX. Also via Ally website on XX/XX/XXXX ( attached ). 

You can contact me at above address and email me at XXXX. 

Ally is refusing to close the account and is still requesting payments. Also Ally reinserted negative loan information on my credit as owe and late. Please close this account # XXXX and remove information from credit Bureaus. 

VIOLATIONS of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ) TILA and Privacy act. 


I am requesting your assistance in putting an end to this matter before filing a lawsuit.
On XXXX/XXXX/XXXX, in the course of debt collection activities related to my account, Gatestone & Co. International Inc. ( the debt collector ) contacted a 3rd party via phone and violated the Fair Debt Collection Practices Act with the following actions : ( 1 ) The debt collector, without being requested to do so, voluntarily identified Gatestone Collection Company as his/her employer, a violation of 804.1, and ( 2 ) the debt collector stated that the purpose of the call was to collect a debt, a violation of 804.2, and ( 3 ) The debt collector, without my consent and without being requested to do so, voluntarily gave the 3rd party identifying information for my credit card account and the exact amount owing per the debt collectors records, a violation of 805b.
There is a bankruptcy on my transunion credit report in which transunion indicates they pulled the information from a 3rd party reporting agency. The courts have verified with me that they Do Not report to credit bureaus and therefore this item must be deleted from my report.
I had medical treatment with a doctors ' clinic and had in effect health coverage with a Medicare XXXX XXXX, Medicare XXXX. I was told I owed a CO-Payment amount by my health insurer different than the doctors billing service. I paid the CO-Payment the doctor asked for directly to the doctor. Later, Medicare adjusted the approved payment to the doctor, so I may have overpaid the doctor directly. The doctor 's office turned this matter over to collection with " Arbor Professional Solutions, XXXX XXXX XXXX ; XXXX XXXX, Michigan XXXX, XXXX who are adversely reporting this matter paid or overpaid in full directly to the doctor prior to collection. It should not be reported at all with the XXXX Credit Reporting Bureaus and is.
I sent my first dispute to transunion in Mid XXXX along with proper documentation supporting the correct balance of my XXXX XXXX account has been paid and has a zero balance. Transunion sent me my investigation results showing my balance is zero with file number XXXX on XX/XX/XXXX then on XX/XX/XXXX they put the balance back at XXXX for this XXXX account. I keep going back and forth with them and nothing is being resolved. I do not have this issue with XXXX or XXXX, transunion is the only credit bureau failing to report the correct information.
On XX/XX/XXXX at XXXX XXXX an unauthorized Charge was taken out of my account for the total amount of {$210.00}. I secured my account the same day and changed my password as well. I sent an email to Coinbase Support explaining what happened and they temporarily disabled my account. They told me on XX/XX/XXXX that once a security review was completed I would be able to access my account again but it might take 10 days. I have completed the all the steps on their review but still have not heard back from them. I have over {$20000.00} worth of virtual currency in my Coinbase account but until they unlock my account I can not access my funds. I need them to turn my account back on.
I obtained a copy of my credit report on XX/XX/18 for my personal purposes of ensuring that all account entries were reporting accurately. A week later, I received a notification from my credit monitoring subscription that 2 negative account entries were reporting on my report. To my dismay, I found that these were accounts with 3rd party collection companies that had in fact been deleted from all of my credit reports previously due to the fact that these companies were unable to verify the information that they were reporting ( See attached dispute letters ). I submitted dispute letters multiple times to both of these companies which resulted in the items being deleted. See attached credit report dated XX/XX/18 where my credit reports bore no collections. These account entries must be DELETED immediately. 

Additionally, my complaint against Experian and XXXX  is that they allowed the re-insertion of these accounts on my reports and DID NOT notify me five ( 5 ) days prior to doing so which is a direct violation of my consumer rights. Further, I have received NO CORRESPONDENCE FROM XXXX XXXX OR XXXX regarding any additional information they have to support re-inserting these entries on my credit reports. The law mandates that 3rd party collection companies have 30 days to investigate the dispute and respond with their findings. Being that they were unable to do so previously, does not mean that they are at liberty or will to reinsert these same accounts because time has passed. Blatant violation of my rights. 

Prior to hiring an FDCPA attorney for these inaccurate entries and illegal re-insertions, I am demanding that both these account entries be deleted from my Experian and XXXX reports immediately and that I am provided a copy of the updated reports for my records.
I filed a complaint with the office of the comptroller of the currency in XXXX XXXX then I received a letter from OCC stating my complaint does not fall under the direct jurisdiction and that my complaint has been forwarded to CFPB. " Brief Description '' My name is XXXX XXXX XXXX and my social security number has been placed unlawfully in check systems since approximately XXXX Bank of America claim suspected account XXXX. I do not believe that I XXXX the account. The account was paid in full quickly I have made attempts trying to get my name out of check systems and to settle the matter respectfully with the bank ; that included writing a dispute letter, talking with bank representatives in person at the banking branch, and calling on the phone, they have refused to take my name out of check systems. I 've tried to open a checking account and or savings account several times and have been shamefully denied.. Please investigate this matter on my behalf, the depths of the long term harm as my social security number has been in check systems for many years. If your office needs detailed information regarding the incident please do not hesitate to me on my cell phone at XXXX -- Thank you, XXXX XXXX XXXX XXXX/XXXX/XXXX
I have attempted to apply for a loan modification with Bayview Loan Servicing LLC who had taken over my mortgage from XXXX XXXX and have submitted all of the paperwork as requested by them on XX/XX/XXXX of this year. When my loan counselor with XXXX XXXX XXXX XXXX XXXX and I called the following week to make sure that they had received the papers, they said that I needed to submit a letter from my Bankruptcy attorney stating that he no longer represented me, before they would even speak with me. I asked them why they had not told me this the week before to save time as the Sheriff 's sale is scheduled for XX/XX/XXXX of this year. They could not answer the question on this. I got the letter from my Bankruptcy attorney and emailed and faxed it along with a letter from me stating the same thing on XX/XX/XXXX of this year. When my loan counselor and I called back on Monday XX/XX/XXXX they said that they could not give us any information on the status of my loan modification application until all of the paperwork had been sent to the Legal Department for review. Consuming more precious time. I have lived in my house for the past 18 years with my daughter who is XXXX and do not want to be put out on the street now. All I am asking for is to have the opportunity to stay in my house with a loan modification from Bayview Loan Servicing LLC. which they have made extremely difficult and too time consuming in the amount of time left before the sheriff 's sale scheduled for XX/XX/XXXX. If not, I at least need time to find a place to live before then. I feel that Bayview Loan Servicing LLC is deliberately stalling the procedure in order to put us out. I am also emailing more documents on this to Consumer Financial Protection Bureau.
Received a email from 500 fast cash about over due balance and do not understand was paid last year They have never contacted me by phone and this email was from today
I have a automatic monthly transfer from my saving account to my checking account. On X/XX/2017 sufficient funds were not available on my checking account for this automatic in house transfer. Instead of canceling or delaying this transfer, the bank processed an overdraft protection transfer, from my saving to my checking account. Then it processed the automatic monthly transfer, sending the money back to my savings account, and then charged {$12.00} for the overdraft protection transfer. So monies went from my savings to my checking, then checking back to my savings, but {$12.00} was not, the bank kept that'l.
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I understand the transfers " worked as they were supposed to '' but this is an unfair practice and only hurts the consumer, to gain revenue. The bank needs to relook at this practice so that it helps the consumer, not the Bank.
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I am requesting the {$12.00} overdraft protection fee be reimbursed.
They call me repeatedly, although I 've told them time and time again I will pay them when I can, as I do not have a job, which is why I have n't been able to pay them in the first place. Soon after I bought the item, I lost my job and in addition to this, the item was stolen and when I filed an insurance claim, it was not until then that I was told that theft was not covered under the policy, something an in-store representative failed to mention although I asked her specifically was theft, loss etc covered and that I wouldnt not purchase the item ( s ) if this was not the case and subsequently, I was told a very assuring yes.
I just received my credit report from transunion and it has a list of my past addresses however there are XXXX addresses on there in states that I have never been.Upon further research the XXXX addresses are not businesses but single family homes.
I live in south florida which has been declared a federal disaster area. when i called wells fargo to advise them that as per federal i am entitled to a 3 month deferment on my mortgage payment with my mortgage being extended for an additional 3 months beyond my XXXX maturity date. XXXX id # XXXX at there Iowa center gave me a bunch of bs about having to reach out to the investors on my HARP refinanced loan. i then spoke with her supervisor XXXX XXXX in Iowa who at least was concerned about this. she then transferred me to XXXX XXXX in escalations in Iowa who said the only thing she could do was open a case and she did not even want to do that while i was on the phone. She said i should trust them to get back with me. You might want to note that this is well fargo the company who was illegally charging yearly flood assessments, force purchasing flood insurance supplemental flood policies from companies they owned when they were escrowing and paying current flood policies, they also open 100 's of thousands of unauthorized accounts She had no information other than 24-48 for some one to perhaps call me back.
I am disputing a claim that was processed and paid on XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX XXXX, GA. I have concerns with inflated cost of service and fraudulent activities. I had a XXXX procedure done on XXXX XXXX, XXXX at XXXX XXXX XXXX. When I sat down to register for the test with a hospital employee, I was informed that if I can pay for the XXXX in cash it would only cost me {$500.00}, if not, they will submit the fee to my insurance company for payment. I advised the registration clerk that I did not have {$500.00} cash and to please submit the fee to my insurance carrier, which is XXXX XXXX XXXX. I also advised that I had a HRA ( health reimbursement account ) with a balance that will cover the {$500.00} cost of the XXXX. I then signed off on a form that stated I am waiving the option to pay with cash and require the hospital to bill XXXX XXXX XXXX ( HRA account ). XXXX XXXX XXXX filed a claim with XXXX XXXX XXXX for {$4200.00}, which is an inflated amount from the initial {$500.00} ( cash ) I was quoted during registration. The claim was processed and paid by XXXX XXXX XXXX on XXXX XXXX, XXXX for {$530.00}, leaving a high balance of {$2000.00} that the hospital is stating I owe them. I have had several XXXX in my lifetime and never been billed over $ 2K for the procedure. I would like this matter reviewed and investigated because at the time of the XXXX in XXXX, XXXX XXXX XXXX was a brand new facility and I am not sure if they were trying to get customers to pay for their equipment by inflating cost of service. I believe they purposely submitted the claim to XXXX with an inflated price of {$4200.00}, which I feel is a fraudulent request because the fee was initially {$500.00} if I paid by cash. What is really the difference between paying in cash OR paying with my HRA account? It should still cost {$500.00} either way. Why did the cost of the XXXX go up by 7 times? Anyway, I should not have to pay the hospital an additional {$2000.00} for a XXXX that they told me cost {$500.00}. They did receive a payment of {$530.00} ( additional {$33.00} ) from my insurance carrier ( XXXX ), covered by my HRA. This means that they were paid in full and I should not have an outstanding balance. They inflated the cost of the XXXX so they can gauge additional funds from XXXX and from myself, which is fraud.
I was contacted by Diversified Consultants, Inc. ( DCI ) on multiple occasions, several times a day in XXXX of XXXX for a phone or internet service item that is in question. On XXXX XXXX, XXXX, prior to sending the debt validation letter to DCI, I contacted the company ( XXXX XXXX XXXX ) that DCI  claimed they were collecting the alleged debt for and after several transfers within the company, I was told by customer service representative at XXXX XXXX XXXX, XXXX, that they had no information on any debt or monies owed to XXXX XXXX XXXX in my name. That same day, on XXXX XXXX, XXXX, I sent a formal request for a detailed list of the charges for the alleged debt via XXXX ( Tracking # XXXX ) which was received by Diversified Consultants on XXXX XXXX, XXXX at XXXX XXXX., DCI did not respond to my lawful request within thirty ( 30 ) days as required by law, however they still chose, one month later, to report the alleged debt to all three major credit reporting agencies, XXXX XXXX and XXXX. 

Please see to it that remove the collections from all three credit agencies for failure to validate a debt that the alleged company they claim they are collecting for has no knowledge of.
In XX/XX/XXXX, we suffered extensive water damage to our home. The damage was estimated at over {$45000.00} by a professional restoration company. The restorative process revealed that the house had extensive termite damage estimated at {$30000.00}, which was not covered by the insurance company. In XX/XX/XXXX, the insurance company issued us a check for the water damage only ( {$32000.00} ). The check was made out to my husband, myself, and Chase Mortgage Bank. I called Chase Insurance Claims Dept. for instructions on getting their endorsement on the check. They told my husband and I to endorse the check, send it in and they would send us a Chase check in the mail with my husband 's and my name on it for the amount of the check. Needless to say, that never happened! We submitted the check to them for endorsement as they instructed and they never sent us the funds. They held the funds in an escrow account. I inquired frequently about the check, only to be given the run around, asking me for more information. We put the house on the market opting to do a short sale and Chase agreed. We finally got a buyer and closed on XX/XX/XXXX @ XXXX. I continued to inquire about the insurance check and was told on XX/XX/XXXX that they needed a letter from the restoration company stating that we had a zero balance. They said that was the only thing holding them up from releasing the funds and we should receive it in 7-10 business days. We still did n't receive it. On XX/XX/XXXX, Chase left a voicemail on my house phone and on my cell phone trying to set up a house inspection. The next day, I called them back to inquire about the check and they said they needed to do set up a house inspection and then they would release the funds. They were oblivious to the fact that the house had been sold and that they signed and agreed to it. Clearly, the departments do n't communicate with each other. So they put me on hold and took me through some different people. Then, they said we gave up all rights to that check when we sold the house. They produced a form with our signatures on it dated for XX/XX/XXXX saying we signed away all rights to any insurance claims, escrow funds, or any funds associated with the property address. This was the first time either of us saw this form ( attached ). Access code to this form is XXXX. The printed names were clearly not our hand-writing, but someone tried to make the signatures resemble in some ways. We did not come in the day before closing and sign this form. It was not present at closing on XX/XX/XXXX.
Consumer portfolio services calls repeatedly thoughout the day within 10 minutes of the previous call. I understand a debt is owed but I feel the number of calls per day is considered harassment
I have asked to close my account several times. When I call, despite hold times over XXXX minutes, I get transferred among groups. I tried XXXX times last week to resolve this. I have also emailed XXXX XXXX XXXX ( SVP, Customer Experience ) on XX/XX/XXXX and XX/XX/XXXX with no response.

I want to close my account because of the poorly performing website ( endless error messages ) and even worse customer service.
Hello, on  XXXX  my statement closed and I was supposed to receive over  XXXX  US Bank points. I worked hard in meeting the minimum spend to receive the  XXXX  bonus points. Then on  XXXX  I logged in and my account was closed. I was told I used cash equivalents but I just shopped at my local grocery store. I received no warning and terrible customer service.
Please delete this account from my report on all XXXX credit bureaus. This account has been paid since XXXX 2016 and shows inaccurate information reported there after in my credit reporting.
They have called and not left a message 4 times today alone. Three calls from XXXX and once from XXXX. When I called both numbers back and complained about their harassment, they got verbally aggressive and loud talking over me and then hung up on me.
TransUnion has deleted and corrected my credit report and then reinserted these inaccurate items that they previous deletions without any warning and are causing me to losing my financing.
I bank with Key Bank. I do not have overdraft protection.it was my belief if a check were to try to go through, and funds were not available, the check would be returned. I had a check to a payday loan ( should have been returned and they said I could do a payment arrangement when it was ). The bank paid the check, over drafting my account XXXX. This caused me to get XXXX I 'm return check fees, and additional fees because the acct was overdraft. I called and was told, " we can pay anything we want, we wo n't do a pay, ent arrangement, you can not pay it and we will eventually turn it into collections, in the meantime you will contain to get fees. '' So basically the bank can choose to pay a check and them collect XXXX of dollars in fees!
I checked my credit report and saw a few fraudulent accounts on my report. The acounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5700.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3200.00} OPEND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6400.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX  XXXX / {$2800.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$2900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$1100.00} OPENED XX/XX/XXXX ACCEPTANCE RENTALS XXXX {$1900.00} OPENED XX/XX/XXXX XX/XX/XXXX
My state tax lien is being reported on my XXXX & transunion credit reports. The reporting does not abide by the XXXX lien reporting rules, there is an incomplete social security number and no date of birth.
I have a closed account with American Express. I have been making my monthly payments. XXXX is now harassing me at work. I contacted American Express and although I am making payments directly to them they said there was nothing they could do.