WillisBack/dataset-financial-user-claim huggingface dataset:
I received harassing phone calls at work and on my personal cell phone from a third party debt collector calling themselves " City Management Group. '' These people stated that I owed money for a payday loan from XXXX. This loan had already been paid off, but this third party debt collector was trying to get me to pay them for the debt again. My attorney sent the company a letter showing the debt had been paid. Their phone number is XXXX
My credit report is displaying a late payment record for a credit card account. XXXX  claims that no late report was issued to the credit agencies. ( See chat transcript ) I want the negative information removed, as the payment was not late per XXXX!
on XXXX XXXX 2014 I made a loan to avant inc. website is www.avant.com in the amount of {$3000.00} loan Id is XXXX. As of XXXX XXXX my pay off amount was {$1000.00} which I had already paid it and it was already taking off my bank account. However avant has not closed my account loan. I made several attempts to fix this issue with them but they give me a run around. I send them emails and called there customer service and no one has giving a resolution to my issue. XXXX. Please help.
Hi, I have previously submitted an issue I was having with Wells Fargo regarding modifying a loan. The previous issue was addressed and I attempted another modification. however, I was denied this latest modification based on the incorrect amount Wells Fargo used for my income, even though I spoke to underwriters and submitted paperwork to support approx XXXX a month in income. I received 2 denial letters in the mail on the same day, for the same loan, with XXXX different monthly incomes {$XXXX} and {$XXXX}, not the {$XXXX}. ( both were incorrect and off by over to {$1200.00}! ) ... I proceeded to appeal and explained the issue was later told that the appeal was denied due to not being able to find a program for me, ( they ran the incorrect number again ) not based on the incorrect amount that was submitted ... I spoke to underwriters prior to the modification to be sure that all of the income is correct and was able to be submitted ( {$600.00}. in financial contribution from my brother ( for my elderly mothers care ) was denied because he does not reside in my home ) other than that and using 75 % of the rental income ( which I did ), I was ok 'd with income which total was ( minus the unusable income ), approx {$XXXX}. per month. 
I did this modification with the assistance of New Jersey XXXX XXXX and they also ran the numbers for me to assure it was done correctly. 
I have tried to direct contact my previous point of contact from my last modification attempt, but I get rerouted to a reentry program. I have a sheriff sale on my house set for XXXX XXXX and I would like to try to resolve this issue with Wells Fargo and modify my loan with the correct amount of income before I lose my home. Thank you for any assistance you may be able to help me with, as I still wish stay in my home and raise my XXXX children. Regards, XXXX
XX/XX/2016 I contacted by phone Select Portfolio Servicing ( SPS ), my alleged loan service provider, to inquire about the process of applying for a modification of my loan under the Federal HAMP program. I chose to start the program and sent some original documents to SPS. Under this program, and the California Homeowners Bill of Rights ( CA HOBR ), I am protected from the loan servicer or loan trustee ( allegedly XXXX XXXX XXXX ) from initiating any activities scheduling a foreclosure sale or trustee sale while I am applied for inclusion in the HAMP. The servicer ( and/or trustee ) is prohibited from initiating or continuing any foreclosure actions while a HAMP application is being considered. This prohibited action is referred to as " dual tracking '' and is prohibited by one of the main statutes of the CA HBOR and HAMP. After receiving correspondence on XXXX/XXXX/16 from SPS specifically saying that they will NOT be scheduling a foreclosure sale once I was participating in the Modification Loan process, I was shocked to discover that XXXX had filed a " Notice of Trustee Sale '' on XXXX XXXX, 2016 with the XXXX County Recorder, a direct contradiction to what the CA HBOR and HAMP require, plus their own statements in their letter to me dated XXXX XXXX, 2016. In the letters they called out that I would have until XXXX XXXX, 2016 to complete all of the documentation required for the HAMP application. 
On a second note, SPS also sent correspondence stating that XXXX XXXX, with the title of Relationship Manager, would be my " single point of contact '' during the HAMP application process, as required by CA HBOR. I have been mostly unable to contact XXXX XXXX, and have been directed to other individuals at SPS, who without fail have provided misleading and/or contradictory information. This is in direction violation of the CA HBOR 'single point of contact requirement '. 
See attached documents that provide a view of how SPS and Quality Loan Services have violated CA State and Federal mandates. Below is a copy of the body of an e-mail that I sent out to XXXX XXXX. As of XXXX/XXXX/2016, the " Notice of Trustee Sale '' is still listed by the XXXX County Recorders. 
I have attached an email and other documents that I sent to XXXX XXXX on XXXX/XXXX/16 that display the points I am asking the CFPB to investigate.
Please delete the following incorrect personal information that is inaccurate. 

Incorrect/Misspelled Name : XXXX XXXX XXXX Incorrect/Wrong Addresses : XXXX XXXX GA XXXX XXXX XXXX GA XXXX Incorrect Social Security Numbers : XXXX
My late husband got sick in XX/XX/XXXX ( XXXX ) and past in late XX/XX/XXXX. He was the main income provider.. I called and started paperwork to get a home modification and finally got the right paper work in, the was denied because the pool of investors had a cap on loan modifications and was not approving any more. I have a income now and I am on XXXX. XXXX my only income ) but want to start paying to keep my house but do n't know what to do now. Please help
OnXX/XX/XXXX, Conn 's Credit Corp. received a certified letter disputing 2 derogatory accounts on my credit report. I have NOT received any written communication from the company to date, however they have tried contacting my NUMEROUS times by phone, even after requesting they contact me by mail. On XX/XX/XXXX, I sent ANOTHER certified letter to Conn 's Credit Corp notifying them they have violated several FCRA and FDCPA rules. They failed to mark my accounts " disputed '' with the credit reporting agencies. The lack of concern to follow federal laws is very alarming. I have not to date received ANY signed contract to validate the debt. VERY ALARMING that this company feels they do not have to follow laws, and can damage a person 's credit without hesitation!
Hi, on XX/XX/XXXX, I purchase new windows including their installations from my local XXXX in XXXX, pa ; the purchased amount was {$7900.00}. 
I choose to take advantage of the free XXXX months credit that was offered at this time ; I therefore used my Home Depot Credit card to make the purchase. The Home Depot credit card is affiliated to Citi Cards to manage credit and payments. I had built in automatic monthly payments to repay the loan. 
The XXXX months credit expired in XX/XX/XXXX ; unfortunately because I am travelling extensively and I am not as alert as a younger person would be, I let pass the XXXX months free credit period. 
When I looked more precisely at my XX/XX/XXXX statement, I was astonished to see a balance of {$9500.00}, i.e. despite XXXX months ( free credit period ) plus XXXX months XXXX XX/XX/XXXX to XX/XX/XXXX ) of monthly repayments, my balance was {$9500.00}, i.e. almost XXXX % higher than my original purchase. THIS MADE NO SENSE TO ME!! And I called immediately Home Depot/Citi Card customer service and they explained to me that when the free credit period expires not only do they start charging interest BUT do it retroactively from the date of the purchase. I told them I would accept paying interest charges from the end of the free credit period and as a show of good faith and I immediately paid {$6000.00} which I estimated would be approximately the balance from the end of the free credit period plus interests less my continuous monthly repayments. 
I send them a registered letter asking them for leniency and understanding and asked my bank to stop paying the new coming charges ; they responded by asking to call them which I did on XX/XX/XXXX. Their position had not changed and they were completely inflexible, THE BOTTOM LINE AND THE LEARNING : THE FREE CREDIT PERIOD ( IN THIS CASE 18 MONTHS ) IS NOT A FREE CREDIT PERIOD IF THERE IS STILL A BALANCE AT THE END OF THE PERIOD AND THEY CHARGE RETROACTIVELY INTEREST FROM THE START, IE THE PURCHASE DATE. 
IT IS A SMART BUT DEVIOUS, ABUSIVE AND HIGHLY UNETHICAL WAY TO TRICK PEOPLE INTO WHAT THEY BELIEVE IS FREE CREDIT AS XXXX PEOPLE LIKE ME AND I AM SURE MANY OTHERS GET CAUGHT, FORGETTING THE XXXX MONTHS DEADLINE AND OVERLOOOKING THEIR STATEMENTS AND FINDING OUT THAY ARE PAYING INTEREST FROM DAY ONE. 
THIS IS A HIGHLY DISHONNEST " CORPORATE '' WAY OF ATTRACTING CUSTOMERS INTO A POTENTIALLY VERY COSTLY ADVENTURE. 
I WOULD LIKE YOU TO PLEASE 1/ - GIVE THE LARGEST VISIBILITY TO THIS SITUATION WHICH I AM SURE IS FAR FROM BEING UNIQUE AND 2/ BE KIND ENOUGH IF YOU CAN TO NEGOTIATE ON MY BEHALF WITH HOME DEPOT/CITI CARD A REASONABLE SETTLEMENT. 
THIS WILL BE BENEFICIAL I AM SURE TO MANY PEOPLE.
On XXXX I received notification that there were unauthorized changes to my account with USAA. I called USAA in order to alert them to the situation and had my information corrected. At approximately XXXX that night I received notification that my information was changed once more. On XXXX I called USAA multiple times in order to correct my information and file a fraud dispute. I even went as far as to request a call from the USAA call center manager XXXX ( never once receiving that managers call ). I filed the dispute successfully ( I thought ) and asked that my account be placed into a higher alert status. I called back later that night in order to try and gain access to my account, I was transferred back over to the fraud department and filled out another fraud dispute with them. During this secondary fraud dispute I requested access to my account and was told there was n't much they could do about getting access to my account because whoever took over my account placed a " CyberCode Token '' on my account and it allowed them to maintain access despite USAA 's efforts. Over the weekend ( XXXX XXXX and XXXX ) I made XXXX purchases with my debit card and began feeling as though things might be clearing up. On Monday ( XXXX XXXX ) I was called by XXXX XXXX of USAA 's fraudulent activity investigations department and was asked to submit my statement. After giving my statement, expressing my frustrations with USAA for the lengthy process, and expressing my disdain for the call center that constantly dropped call transfers and seemed to not have any ability to solve my crisis, I began to inquire about the activities taken place in my account. I was informed that multiple credits and debits had taken place and the imposter requested a replacement debit card. I was then informed that I was to receive a call the next day to receive notice if the investigator deemed me " at fault '' of giving my personal information to an unknown persons. On XXXX XXXX I received a call from XXXX XXXX and she informed me that her office believed I gave my information out for XXXX reasons. First, my understanding of her explanation of an account takeover scheme and second, a trend where MANY other USAA members have given out there account information. Now I can not speak for the MANY other members who may have been at fault here, but I can speak for myself and I did not give out my information to anyone. I have a XXXX year old girl, a soon to be fiance, and a son on the way. I have way too many responsibilities to risk it all by giving my information to someone else. Since being told I was at fault I have contact my local police department and the FBI in order to investigate this ordeal. I have been contacting USAA but still have n't been granted access to my account. It 's been a real nightmare and I would like a resolution please! 

Thank you very much for reading, sorry if it is n't well written.
NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.Despite my three previous requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re- investigations, you stated that you " verified '' that these items are being " reported correctly ''? You still have not identified WHO in your COMPANY VERIFIED the accuracy of these accounts or HOW they verified them? I 've yet to have received a SIGNED contract between me and the alleged company. As previously pointed out to you, XXXX XXXX Dictionary,  6th Edition, XX/XX/XXXX, defines " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party ''. At this time your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this this they must have 1st hand knowledge of the alleged account ( s ) and all that has transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you ca n't properly " Verify '' the accuracy of any of the disputed accounts. Please be advised that Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section617 if the UNVERIFIED items listed below are not deleted within 10 days. A copy of this complaint along with the three others will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with the Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all the unverified accounts listed below immediately & provide me with a copy of updated and corrected credit report showing that these items have been deleted.
XX/XX/XXXX an Income Driven Plan was discussed and filed. Payments were dropping from {$860.00} to {$520.00} approx. 

XX/XX/XXXX, Called XXXX the website said I would hear back by XX/XX/XXXX, next day it said I would hear back by XX/XX/XXXX, then it said I would hear back by XX/XX/XXXX. I had not heard a word since XXXX XXXX. Agent on the phone said nothing had been processed ; could not find my info. He said he would do a temporary deferment and charge me {$5.00} to process my IDR and I would not be billed for XX/XX/XXXX/XX/XX/XXXX and would get my new payment billed by XXXX due date. 

XX/XX/XXXX I made the {$5.00} payment agent had asked for. 
XX/XX/XXXX I received a separate bill and paid ANOTHER {$5.00} for processing. 

XX/XX/XXXX I get a bill for {$890.00}. NO IDR INFO ON MY ACCOUNT OTHER THAN A RECEIPT OF FORM ON XX/XX/XXXX. 

XX/XX/XXXX I called again and was told to disregard the bill for {$890.00} that the IDR was processing with a rush status and I would get new bill in 48 hours. I asked for an email or letter stating that I was told to disregard this bill. XXXX said she would send me an email that day so I could prove our conversation. 

XX/XX/XXXX No email or info received from XXXX. I called again and the agent verified a rush was put on my account. He told me to wait until Monday, XX/XX/XXXX, and I would have my new payment bill. He said this would replace the XXXX bill for {$890.00}. 

XX/XX/XXXX, a week + 1 day later. Still no info from FedLoan.org. Called and finally got to an " escalated loan manager '', because they refuse to let us speak to management. She says the same story as the lies I lived thru the last 3 months. Now I wait another 48 hours for her to put a " rush status '' on processing my IDR. HOWEVER, she is forcing me to pay {$890.00} for the month of XXXX because it takes 2 billing cycles to process. I told her this will be the 4th billing cycle and they still haven't done their job to process my IDR so this is not my fault. She does not care, holding me responsible to pay {$890.00} until they decide to finalize my IDR. 

Hoping they won't lose the form, or fail to process it again, I am filing a complaint. I did inform her that I am one of the few who are honestly trying to repay my student loan. I had it on deferment last year due to a XXXX and now have been trying to get my payments finalized since XXXX. They are such a stressful agency, failing to do their job, taking 4 to 6 months to process ONE FORM!!! It is unbelievable our government agency for student loans would do this to people, much less adding stress for XXXX survivors. I indeed tried to get this finalized in XXXX to avoid such stress induced situations from their office Please help. I'm XXXX, recovering from a XXXX last year and trying to work when I can as well as pay my account. And employee # XXXX has the nerve to insinuate if I'm working then just pay the {$890.00}!!!! I do believe the agents handling my account are breaking consumer protection laws by their comments and reluctance to do their jobs and process things ... blaming it on the consumer, etc.
TODAYS DATE :  XX/XX/XXXX  ATTENTION DISPUTE DEPRATMENT : AFNI  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition  on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence  ( 1 )  In general No perso n ( comp any ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under se ction 1681c-2 of this  title has resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the    pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under secti on 1681c-2 of thi s title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX  Telephone Consumer  Protection Act Liti gation, Case No.  XXXX , in the  U.S. District Court fo r the  XXXX   District of  California Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
On XX/XX/2018 I received a promotional email message saying I am eligible for a credit line increase to my Best Buy store credit card provided by Citibank NA. I was approved for an increase of {$1500.00} after filling out the information I was told to provide on the online form. Nowhere in the process I was told there would be a hard inquiry to my credit report. 

I have credit cards with other creditors and a hard inquiry has never been done on a line increase. Considering the increase was promoted to me I assumed there was due process on their end to provide me with the proper details of the increase. I would not have requested an increase if I was told there would be a hard inquiry. This is the 2nd hard inquiry from City Bank within 6 months, I opened my account on XX/XX/2018. 

After checking my credit report in XX/XX/2018 I found out that Citibank NA issued a hard inquiry. On XX/XX/2018, I called Citibank NA retail card department at XXXX to attempt to resolve the issue. I was connected with XXXX in the retail account verification department. After explaining my situation to her she connected me with XXXX of the Management department for Best Buy Credit. She understood my frustration with the process and told me there is nothing she can do but explained to me that if I called and spoke with an agent rather than doing it online I would have been able to avoid the hard inquiry. This was not promoted to me as an option. The only option I was aware of was the online process. I never signed off on a hard inquiry. I was never asked nor did I give permission to have a hard inquiry done on my credit report. I believe I was not provided with all the options. 

I have attached a screenshot of the credit line increase screen. I does not explicitly say there will be a hard inquiry in the process.
I have previously complained about my mortgage lender BOA XXXX and XX/XX/XXXX both times they pretended to correct the reporting on my tradelines and did change them some only to add more incorrect reporting later on. Per ftc ruling no tradeline can show derogatory marks over 1 month past the filing date.They also transferred the servicing to XXXX XXXX and XXXX XXXX XXXX, who also placed deogatory marks on my tradelines.They have marked them as charge offs on the tradeline which is an additional derogatory beyond discharged in bankruptcy.In XXXX vs. XXXX the cras agreed to specific coding but they continue to violate the law.I dont care if they can identify me at this point i look forward to XXXX XXXX XXXX CALL I also would like to add that at no time have i missed a payment before during or after bankruptcy but this lender continues to try and ruin my attempts to rebuild my credit!!!!!!!!!!!!!!!!
Equifax responded that adverse information remained for seven years from last activity. They are not using the correct dates for last activity on the following : XXXX/XXXX Account XXXX activity XX/XX/XXXX per their records. XXXX Account XXXX-last activity was XX/XX/XXXX, NOT XX/XX/XXXX. No activity occurred in XX/XX/XXXX. XXXX Account XXXX -- last activity was XX/XX/XXXX, NOT XX/XX/XXXX. No activity occurred in XX/XX/XXXXand note duplicate account as double reporting. XXXX XXXX-Account XXXX-last activity was XX/XX/XXXX per their records. No activity occurred after that date.