WillisBack/dataset-financial-user-claim huggingface dataset:
I have complained to equifax and XXXX in the past about this issue and no credible investigation was ever done and it is my belief that title 15, chapter 41, sub chapter 3, section 1681c-2, subsections a and b were violated as defined under the United States Code! I have filed all the paperwork I was required to, opened a case with my local police station, and informed equifax and XXXX of an identity theft issue. Under the code, it states that equifax and XXXX are required by law, to block the information within 4 business days of the first notice, and I have sent many along with 300 different documents relating to this issue to prove that both the debts from XXXX XXXX XXXX and XXXX or XXXX XXXX or whom ever the second company wants to be called, were not mine. Equifax and XXXX are in violation of this code because they never blocked the information that occurred as a result from identity theft, even after multiple companies removed their information after finding my accusation of identity theft credible and even XXXX found my evidence credible and blocked XXXX and XXXX XXXX XXXX from appearing on their report. <P/>Now subsection C does give Equifax and XXXX the authority to remove a block and put the information onto my report if they can reasonably determine that there is an error in my request to block the information. This section can not be claimed in this matter as first, they never blocked the information within the 4 days as required by the US code. Second, there is no way they can reasonably determine that there is an issue with my request as I am the only party who has offered any evidence that my identity was stolen and Equifax and XXXX themselves have admitted that they do not request and proof from the company that requests to put damaging and false information on my report. After reading the US code, I am demanding equifax and XXXX block XXXX XXXX XXXX and XXXX from my report until they are willing to provide the information that can reasonably contradict mine or I demand the CFPB hold Equifax and XXXX in violation of the previously stated United States Code that was voted into law by the United States Congress. <P/>I will add that Equifax and XXXX should have all my previous evidence on record and it is their fault if they do not, ignorance of the law is no excuse for violating the law.
Pioneer Credit Recovery XXXX XXXX contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls have totaled more than 10 per day. 

We have orally told them that we are not allowed to take personal calls on business lines, and we have submitted a prior written complaint bearing Case number : XXXX. 

Please do not call any of the following numbers as they are all owned and/or operated exclusively by our business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We will file suit if these calls do not cease.
I have never lived at, owned property or received mail at XXXX XXXX in XXXX, Arizona.
My XXXX contract has been never renewed they do not have a signature on file to continue this service and as of today 's date I have on numerous attempts ask them to send the contract they said they have. They have renewed the contract themselves without a signature and continue to bill me fees for anything regarding their own upgrade or update of their alarm. Sometimes the system would work and there are days when it would not. I called them on numerous occasions to fix their system. They advised they would finally show up and that I would not be billed. Unfortunately they did bill me for up keep of their own system in charges that were more than {$500.00} in up keep they would not put batteries in their system to update nor would they update smoke detectors under a contract making the customer pay more than {$500.00} just for the smoke the detectors and glass breaker up keep. The customer is not advised after the tech leaves of the bill and is never aware of what is owe. The customer does not get an on site bill and later is in shock on money owed. When a customer calls they do not get accurate billing and it is a considerable long time in wait to get a hold of someone to handle account. I paid my bill they advised that I owed the amount of {$310.00} this amount was paid. Today I get a bill from a collection company for the same amount of {$310.00} that they deducted from my checking account. They are not advising the customer what they are doing not sending notices and billing the customers for services without the customers consent. The company is making money from the consumer by not upgrading their system and making the customer pay to do so. The company is not straight forward with the consumer about charges owed and the consumer is blinded not knowing money owed. The company renews contracts without signatures.
I have two private loans in good standing with Navient ( XXXX Signature Student and XXXX Signature Student ). Navient has reported both of my loan accounts as being 60 days past due as of XX/XX/XXXX to each of the three credit reporting agencies, XXXX, XXXX, and XXXX. My credit reports clearly indicate that, according to Navient, my loan accounts were 60 consecutive days past due as of XX/XX/XXXX. I have NEVER allowed my accounts to go 60 days past due in XXXX even though that is what Navient is reporting to the credit bureaus. Because of Navient 's harmful, unfounded and unorthodox credit reporting practices, each of my three credit reports indicates that I was past due for 60 consecutive days on each of my loan accounts as of XX/XX/XXXX. My loan accounts have NEVER been 60 days late in XXXX yet that is what Navient is reporting to XXXX, XXXX, and XXXX. I wrote an email to Navient 's CEO, XXXX XXXX, on XX/XX/XXXX explaining the problem and alerting him to the erroneous and harmful information that was being reported by Navient to my credit reports. He did not respond to my email. However, a Customer Advocate was assigned to assist me in investigating the errors on my credit report. The Customer Advocate assigned to assist me goes by the name XXXX ( a.k.a. XXXX ) and her ID # is XXXX. I gave XXXX all of the necessary information to investigate the issue and she confirmed that I was NEVER 60 days late in XXXX but rather I had a late payment in XX/XX/XXXX which allows Navient to report a 60-day late in XXXX for the month of XX/XX/XXXX. She justified and validated Navient reporting my accounts as 60 days past due even while admitting I was never 60 consecutive days past due in XXXX. I find these credit reporting practices to be extremely harmful, tyrannical and devasting to American consumers. In the face of the lawsuit filed by the Consumer Financial Protection Bureau in XX/XX/XXXX, Navient continues its harmful practices of unfair and unfounded credit reporting and misallocated payments. My loan accounts were NEVER 60 consecutive days late in XXXX and I demand that my credit reports reflect that. Unless my credit reports are corrected immediately, I will be filing a formal complaint with Attorney General XXXX XXXX and the Delaware Department of Justice as well as the Illinois and Washington attorneys general who are already in litigation with Navient. Not only that, I am fully prepared to organize a class action lawsuit against Navient to protect American consumers from becoming victims of Navient and it's flippant, harmful and negligent business practices.
Ive asked Simons Agency to validate the alleged debt and they have sent me from what it looks like a scanned/copy of a paper of their so called Current Contact. Nothing on this piece of paper shows a contract that I have with this company nor does it show my signature agreeing to pay this company this alleged debt. Theres nothing on this paper that gives me assurance that this is my debt. Anyone can put a name, phone number and address and claim that I owe them money. This is not an acceptable form of validation. Ive also tried to settle this debt even though it was not properly validated and never got a response from this company.
XXXX XXXX was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for one and I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date XXXX XXXX has failed to do this on both of my accounts. I have started a legal process against XXXX XXXX. If this is resolved the process will be withdrawn immediately. I have contacted XXXX XXXX about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. XXXX XXXX XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. XXXX XXXX did not send out the required bills to receive payments.
[ 1 ] Good morning - I made a total of 3 calls to Equifax to ask questions about the factors they are reporting are adversely affecting my credit. They have 3 factors that are of the same type : proportion of balance to credit limit too high/amount owed on revolving account too high/loan balances too high. <P/>[ 2 ] I am in the pre-qualification/pre-approval process of buying a home. Lenders pulled my credit, and I got the " Notice to Home Loan Applicant '' that states that if I have questions about my credit score or credit information to contact the credit reporting agencies at the number provided. <P/>[ 3 ] The first problem is that the number given does not give you an option to talk to anyone. It is a number to get the report. If you do n't request one, it hangs up on you. I Googled for another number, XXXX, called it before XXXX XXXX but the auto response said to call between XXXX and XXXX ( no time zone info given ). I called at XXXX XXXX and got the same automated outgoing message. <P/>[ 4 ] I was able to find a 3rd number, XXXX and eventually found someone to talk to. I talked to XXXX who gave me examples of when an account is too high that were obvious. If the credit limit is {$1700.00} and I am using {$1600.00}, that is too high. He could not give me specific answer. Is it 50 %? 55 % 5? When do you know it is too high that you report it as too high? <P/>[ 5 ] I asked to speak to his supervisor. I spoke to XXXX, who also gave me obvious examples ( like with my XXXX XXXX account with a {$360.00} balance with a credit limit of {$2500.00} ). When I specifically requested to know what does Equifax consider too high to report it as too high, she repeatedly said Equifax does n't have the criteria to answer that question. She asked me if I wanted XXXX 's phone number, and I said yes. <P/>[ 6 ] The XXXX number she gave me also does n't give me an option to talk to anyone, XXXX.
I spoke with XXXX/TD Bank in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX/TD Bank on time. I normally do not mail payments, but because XXXX/TD Bank was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory.

I spoke to XXXX/TD Bank about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.
Wells Fargo filed action for a foreclosure sale inXX/XX/XXXX I filed for Chap. XXXX bankruptcy protection in XX/XX/XXXX. I was eventually given a loan modification in XX/XX/XXXX essentially starting over with a new mortgage. I have since fallen behind on my mortgage. I have filed numerous applications hoping to get a new modification and start making payments moving forward. All of my requests for modifications were denied. I appealed the denial and recently was told my appeal was denied. I assume Wells Fargo 's next step will be to set a foreclosure sale date. If this is done I will be forced, and am prepared, to file for Chap XXXX bankruptcy protection again. I am trying to work with Wells Fargo on a modification. I would like to avoid filing for bankruptcy if possible. In researching possible remedies for my predicament I have found that Wells Fargo has violated numerous federal laws, most specifically the Real Estate Settlement Procedure Act ( RESPA ). I also believe Wells Fargo could be found liable under the Massachusetts Consumer Protection Act ( Chap. 93A ). I am considering options available and would appreciate any information that may be relevant to my case.
I keep receiving calls from a debt collection agency asking to speak to someone I have never heard of before. I told them the number they are calling is my cell phone number and I do not know the individual they are looking for. I requested they stop calling me ; however, they have continued to call me multiple times. The number I received calls from is ( XXXX ) XXXX.
Got Loan fr om company on approximately  XXXX / XXXX / XXXX  to fix my automobile in anticipation that my  Insurance Company   XXXX   XXXX  would be paying for damages incurred by a freeway accident on  XXXX / XXXX / XXXX .  XXXX   XXXX  found a way to deny my claim on  XXXX / XXXX / XXXX  and I was stuck with the loan. Did research on to try to find a solution and found out that the loan itself is illegal in the state that it originated according to anti-loan sharking laws, Cal ifornia, the state that it was loaned in according to small loan law, Alabama, and according to Federal Law, the Electronic Funds Transfer act, because the loan requires to originate both that the lendee accept from the lender and make payments to the lender by Electronic funds transfer to be able to receive the lo an.
Made a payment in the amount of {$150.00} from my personal bank account on XXXX/XXXX/16 due to arrive to USAA on XXXX/XXXX/16. I received the bill and noticed the payment was not credited and I immediately called. The late fee was credited and the associate advised us to upload proof of payment to the USAA website so they could investigate the dispute. My wife did this on XXXX/XXXX/16. I called USAA today and the associate stated that what we obtained from the bank was not accurate and that they tried to contact us on Monday XXXX. We have no record of this. In the meantime, my account is showing as past due and the associate even tried to collect a payment from me instead of helping me with the issue, which is where is my {$150.00} payment? At this point, I am asking for your assistance as it appears the USAA credit card is not aware of how to process an FCBA dispute. I asked what else they need me to get from the bank and the associate did not know. They said to give them a few more days to look into this but I am not confident of the investigation process.
My car payment of {$400.00} is paid on time every month with an additional {$100.00} bi weekly I have set up independently with my bill pay from my bank account also. Each month I receive a statement from Td Auto Finance stating I have paid a total of {$500.00} and has been applied to my account. There is no break down of what was applied to interest or principal. I called to verify if my additional {$200.00} payment was applied solely to the principal. I was advised it was applied the next month 's payment between interest and Principal. I was then transferred to have the miss applied payments paid to the principal only. I was advised if I keep making over payments they will be applied to future monthly payments and not the principal. There is a total lack of transparency of payments.
This is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent accounts. Please block/ remove all of the accounts listed below : XXXX XXXX XXXX : XXXX - Opened XX/XX/XXXX XXXX XXXX : XXXX - Opened XX/XX/XXXX XXXX XXXX : XXXX - Opened XX/XX/XXXX XXXX
Wells Fargo is stating I have {$3.00} outstanding however I called multiple times and all accounts are paid in full. This has affected my score by 40 points
I have XXXX accounts that are not being used. First account is XXXX is a Preferred Credit line I have paid off and not used. Now I see I have been charged XXXX dollars I can only assume it is a " maintenance charge '' that I do not have a clue what they are maintaining. The second is a cash reserve credit line that I have't used for about a year. And now they have a annual fee of XXXX dollars. When I initiated this credit line I thought that they were benign until I activitated them again. Not so this is insidious and underhanded that I am hit with an XXXX dollar charge for not using these accounts.
I HAVE A XXXX LOAN IN MY NAME ACCOUNT NUMBER XXXX BALANCE IS XXXX. 

IM DISPUTING THIS ACCOUNT BECAUSE I WAS PROMISED THIS ACCOUNT WAS SUPPOSE TO BE DELETED FROM CREDTI REPORT, AND XXXX PROMISED ME. 

PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT.
On or around XXXX Doral Mortgage Bank had an aggressive campaign for mortgage lending.Around XXXX, XXXX XXXX I applied for a loan.I was awarded a XXXX loan of XXXX dollars at a 6.75 % APR.Around XXXX when interest went down I applied for refinancing at a lower rate.They denied me refinancing because the house had to be totally built in concrete.This made me wonder because they awarded me the loan when the house was not finished and they new exactly the condition and the materials the house was made of.Soon after that the Bank Disappeared .Popular Bank took over it 's assets .Around XXXX XXXX I tried with this Bank to refinance at a lower rate.They also denied me refinancing.They gave me more or less the same reasons as did Doral Mortgage with the added reason that I had to get a certification from a structural engineer.I wrote a few letters to this bank but no direct answer nor satisfactory explanation as to why the house was eligible in the first place for a XXXX Loan .I am XXXX years .I have a XXXX pension of XXXX dollars.I pay XXXX dollars mortgage and the Federal Board assign to the XXXX because our corrupt politicians drove the XXXX into banckruptcy will be cutting pensions down.This will be happening within the next 6 months.
1. On XX/XX/2018, I sent an initial letter to Receivable Management ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$250.00}.

2. I also notified Receivable Management that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to Receivable Management 's Front Desk/Reception on XX/XX/2018 at XXXX XXXX A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for the notice of dispute to be reported to my XXXX and XXXX credit reports.

5. Upon investigation of my XXXX credit report dated XX/XX/2018 and my XXXX credit report dated XX/XX/2018 ( copies are attached ), Receivable Management did not furnish neither XXXX  nor XXXX  with the required disclosure within the period required by law. Receivable Management is required by federal law to place a " notice of dispute '' on my accounts within 30 days of my dispute, which was received on XX/XX/2018.

6. More specifically, Receivable Management violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

7. Thus, it is my request that Receivable Management delete the {$250.00} entry as a result of it not placing the required notices of dispute on my credit reports.

8. Additionally, I never received competent evidence of the debt bearing my signature.
Netspend ( XXXX XXXX XXXX XXXX XXXX ) sent me an UNSOLICITED prepaid debit card. Since I have had problems with someone attempting identity theft before this greatly concerned me. 

When I called the company they requested either the full card number or my social security number ( which I would NEVER give over the phone ). I was afraid to give them the full card number because I was afraid they would activate it. 

In very small print ( 5point or less ) they state that this was not requested by anyone but was sent because " you indicated interest in receiving offers similar to this one ''. 

Sending unsolicited credit cards is against the law. Apparently, since debit cards and prepaid debit cards were not available when the law was passed this allows companies to skirt the law. I believe this is unethical and irresponsible in the age of identity theft!
Cottonwood Financial sent me a letter dated XXXX/XXXX/16 but they sent it to collections about 2 weeks later, I was never given an opportunity to make arrangements. I received a call from XXXX XXXX XXXX, XXXX of the reps called me a liar. I advised him that I am working with an attorney on several options that may include filing bankruptcy but its not my only which I told Cottonwood Financial and the collection. I do n't know why they sent me a letter dated XXXX/XXXX/16 but sent it to collections 2 weeks later. Why would they do that? The rep at XXXX XXXX XXXX was very rude towards me because I told him I did not know if I could file bankruptcy, he tried to put words in my mouth. One of the options given to me is to pay the company back what I owe them which is {$600.00} and I already gave them {$120.00} so if they will accept the {$470.00}, I will mail them a money order to their corporate address in 3 weeks after this agreement is accepted. This situation is becoming unbearable at this point and I do not want to lose my job over this.