WillisBack/dataset-financial-user-claim huggingface dataset:
My interaction includes multiple violations, but I was only able to choose one. A representative from P & L Acquisitions contacted a relative with whom I have never lived, never used as a contact address, and posed as an employee of the local courthouse. He claimed that he was looking for me, because a summons was going to be delivered to my relative 's address the following day. He stated that she needed to get a message to me informing me of this information and that I needed to contact a toll-free number that he provided to her in order to resolve the matter. My relative was able to reach me. She told me that the caller disclosed details of the alleged debt, as well as harassed her with threatening language, and he told her that he was a courthouse employee and that he was at the courthouse at that time. The number on her caller ID showed the XXXX County Courthouse number, but the number did not originate from the courthouse. I called the toll-free number that was given to her, and a man answered with a greeting of " Corporate office. '' I asked for the name and address of the company, which he provided as P & L Acquisitions. I also contacted the courthouse, as well as the Sheriff 's Department, and they denied that anyone from there contacted or was looking for me. A representative from XXXX XXXX XXXX XXXX fraudulently posed as a courthouse employee in order to threaten me. The next day, I received a letter from the company, signed by XXXX XXXX " Legal Administrator. '' The letter untruthfully stated that I had ignored previous attempts to resolve this matter, which is absolutely not true, because I have never received any communication from them, and there is no information in the letter to identify what this matter is about. The letter is designed to look like an official legal document. It threatens to obtain a judgment against me without even suggesting that I have a right to dispute their claim. There is nothing about an original creditor or other identifying information. There is no disclosure stating that I have the right to dispute. There is no proof that they are licensed to practice in my state. The letter also states that they may file a lawsuit against me which would result in a judgment entered against me. That 's not how it works. This letter is yet another example of illegal collection practices that this company has willfully chosen to take.
XXXX XXXX from Warner Asset Location Services ' Legal Department called me looking for my ex sister-in-law, stating that there was a complaint filed against her and XXXX wanted to help my ex sister in law defend herself.
Complaint is against Midland Funding and all of it 's affiliates. 
I disputed entry on my XXXX Credit Report regarding Midland and that they had opened an account under my name. Enclosed is the response I received from Midland along with it 's enclosures. The letter is addressed to XXXX XXXX XXXX and the enclosed judgment that Midland saught against me is for XXXX XXXX XXXX. Midland clearly has conflicting information in regards to whom owes this debt and did not spend allowable amount of time reviewing any documents to ensure that the correct individual is being pursued. I would like this information to be removed from all records pertaining to my identity as it is causing hardship.
I LEGALLY resumed my maiden last name on XX/XX/2014, since then I notified all my creditors to change my last name from XXXX to XXXX, I have the deed ' for my house changed, my vehicles, US passport, ALL documents and creditors have been changed including XXXX and XXXX. Well the issue is against Trans Union, they have told me over and over that they can not change my primary last name to XXXX because they claimed that my creditors are reporting me under the old last name. I have confronted ALL my creditors 3 times, and none of them are reporting me with the old last name. 
All I want is for Trans Union to report my legal name correctly, it is impossible to deal with them ... .How come XXXX and XXXX do not have the same issue? 
I find it illegal that Trans Union will not speak to me unless I give them my old last name. 
I need this rectify asap.
I made money transfer from my Bank Of America account using XXXX to a person using their phone number who claimed to be a travel agent. I made 3 transfers, 2 on XX/XX/XXXX for amounts of {$1100.00} and {$600.00}, and third on XX/XX/XXXX for {$500.00}, totaling {$2200.00} for 2 flight tickets. After the money was transferred, the person was unreachable on phone but was active on text messages and that my flight booking was in progress. He also sent me couple of temporary booking on airlines for the flights requested, and one including his credit card payment of a small nominal fee to HOLD the reservation for 3 days before confirming. Since then, there have been only email exchanges and reservation was never made. After I made my own reservation, email thread started in regards of returning my money but that has not happened till date either. I filed a complaint with my bank and they went to the extent to tell me the recipient has a " US Bank '' account where the money was transferred but can not file a fraud or refund the money since it was initiated via XXXX by me. 

I ended up paying {$600.00} more for the same tickets ( since the price went up in the time being ) and never got my original  {$2200.00} back.
Was informed on XX/XX/XXXX via email that my Freedom Mortgage loan was being transferred to XXXX XXXX, and that my auto-payment would be cancelled. I also received a letter on XX/XX/XXXX, dated XX/XX/XXXX, stating the same. Because I did not have any account information for XXXX XXXX  yet and would be unable to make a payment directly to them, I went onto Freedom Mortgage 's website on XX/XX/XXXX to schedule a manual payment of the loan for XXXX ( in the amount of {$2100.00} ), knowing that it would be forwarded to my new servicer. This scheduled payment was successfully confirmed on their website. Noticing that the payment had not gone through by XX/XX/XXXX, I went onto Freedom Mortgage 's website, and discovered that they had silently cancelled the payment I set up on their website without notifying me!! 


I then scheduled a billpay through my bank ( XXXX XXXX  ) to pay Freedom Mortgage directly, and XXXX confirmed that it was paid electronically to Freedom Mortage on XX/XX/XXXX. 



I called Freedom Mortgage on XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire on the status of the payment, and each time was told that the payment was not received. The customer service staff were adamant, each time, that the payment had not been received by Freedom Mortgage, even though I had confirmed with my bank that the payment was sent, electronically, directly from XXXX  to Freedom Mortgage on XX/XX/XXXX. They had no way to elevate the issue and investigate the missing funds. They also insisted that it was no big deal, given that I had a 60 day grace period due to the loan servicer transfer, and would not be charged any fees or have a credit score impact, regardless of whether the payment was actually received by them or not. However, based on 12CFR1024.33 ( c ), this only applies if they receive the payment, and since they are claiming not to have received it, it is unclear that this grace period would actually apply. 


Given this, to avoid late fees and the impact to my credit score, I have separately made payment to my new servicer ( XXXX XXXX ), and am attempting to get Freedom Mortgage to return the funds to my bank when they find them, however, they are insisting that they need to forward them on to the new servicer. This would lead to me having double-paid my mortgage payment for XXXX, and severely impact my budget and ability to pay my other bills.
I have had an auto loan with XXXX XXXX XXXX for over 1 year. I am told by the company that they use a " 3rd party agency '' for reporting to both XXXX and XXXX. My XXXX report  from the time I opened the account has not reported properly. The balance goes up and down for no reason. XXXX is reporting only 3 months of good payments and they are separated by 3 months of no status, which should also show good payments. The account has been in good standing for over 1 year and over 1 year of payments have been made. My account and score would reflect positively if this account were report properly. The constant mis-reporting and incorrect information is taking its toll on my credit score. I have presented my XXXX report to XXXX XXXX XXXX and with them we identified that information showing was incorrect. As of today, X/XX/17, XXXX XXXX XXXX has confirmed that the balance shown my XXXX is again, incorrect according to their records. In addition, the " 3rd party agency '' that XXXX XXXX XXXX has hired, supposedly reports to XXXX. The account has never once shown up on my XXXX report. It has never reported to XXXX for over 1 year, since the account was opened. I am told by XXXX XXXX XXXX that they are in the process of reporting to Experian as well. This has potential to create a great deal of damage to my report through more incorrect and inconsistent reporting.
A record of my Bankruptcy must be erased. My Bankruptcy was submitted in XX/XX/XXXX, and discharged in XX/XX/XXXX. For XXXX years the record has been maintained on my credit sabotaging my attempts to obtain a loan. It is time to erase the Bankruptcy from my credit file.
This is a continuance of a complaint submitted through CFPB 2 months ago, Case number : XXXX. I called XXXX XXXX the Omsbudsman assigned to me by OCWEN Financial Services in response to the CFPB complaint I have submitted, in order to get a copy of all transactions that occurred during the time my XXXX yr old mother has had her loan with them for the purposes of reviewing those documents with our lawyer. It has been 2 months and I still have not received those documents. I spoke with XXXX different advisors at her office since then. We need those documents to understand the conditions by which they have set forth for my mom 's mortgage terms. To this date, they still have not supplied me with loan documents which I have the right to receive. Originally, I was sent some documents from them that contained a fine print, unusually tiny font, that no human being would be able to decipher. I requested the documents to be sent in an acceptable font size to be legible and read.
I applied for a mortgage loan with Quicken loans and was pre-approved, contingent on certain conditions. I met all the conditions as specified but the loan was still denied. They stated that they could not confirm how I paid off XXXX debts. I provided bank statements that showed the withdrawal and money orders to pay off the debts. I am concerned because I am of low income and getting offers from higher cost loans and that my information has been mishandled or sold. I qualify for this loan and believe that I am a victim of housing discrimination because of offers from higher cost loans.
In XXXX I became aware of a {$400.00} collection action on my Transunion credit report for a debt that was not mine. I disputed the issue to TransUnion without success. I complained to the XXXX Office of Consumer Protection and the collection action was removed based on a response from the vendor, XXXX XXXX XXXX, which I have attached. 
In XXXX I became aware that the same {$400.00} debt was back on my Transunion credit report under a different collection agency. I complained to the Office of Consumer Financial Protection ( Case Number XXXX ) and received a response from the collection agency ( attached ) that the debt is not mine and that a different name is on the account. 
I noted that a name I have never used, XXXX XXXX, is listed on my Transunion credit report. This is an error I believe arose from the erroneous collection action in XXXX and it should not be on the report. 
I need the {$400.00} collection action removed from my Transunion credit report. I also need the incorrect name, XXXX XXXX, removed from my Transunion credit report.
I had XXXX credit cards with XXXX Bank ( XXXX ). In XXXX of 2015 there was a settlement of the balance on all XXXX accounts. I paid XXXX for XXXX, XXXX for XXXX and XXXX for XXXX XXXX all paid on XXXX/XXXX/2015. The agreement was after this was paid that all XXXX accounts were closed and considered settled. However, they still pursue collections efforts for the balances of these accounts which has to be against debt collection practices.
On XX/XX/XXXX, I contacted XXXX XXXX XXXX ( CCS ) at XXXX to inquire about a debt I owed. I spoke with XXXX who informed me of the debt and the balance of {$250.00}. I made a payment arrangement to process a {$50.00} payment on that day, followed by the remaining balance to pay on XX/XX/XXXX. XXXX confirmed this transaction and sent me a receipt for the {$50.00} payment. I have attached this receipt below. On Saturday XX/XX/XXXX I checked my bank account and saw that they in fact charged me the {$200.00} instead of the {$50.00}. I contacted CCS at XXXX at XXXX and spoke to XXXX . I informed him of the issue and he stated he would escalate to a supervisor to have it credited back in the amount of {$150.00}. He informed me it would take 12 business days to go back to the account. While I wasnt thrilled with this, it was an acceptable resolution. On XX/XX/XXXX at XXXX, I contacted CCS to see what the status was on the refund. XXXX placed me on a brief hold and then returned to tell me that they received approval to refund the {$150.00} and that refund check would be sent on or after XX/XX/XXXX. This is not acceptable. I now have bills I am unable to pay. She informed me that this was their policy. The policy being that the refunds take 30-45 days to send out. I again informed her this was not acceptable.
XXXX XX/XX/XXXX Letter Credit Bureau XXXX XX/XX/XXXX I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 90 days now and nothing has been resolved at this point your company continues to report inaccurate information on my credit report. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company. The accounts listed on my credit file are reporting inaccurately and theyre listed in the attachment below. You removed some but you didnt remove the following in the attachment.
On XX/XX/2017 my wife and I went to look into purchasing a XXXX XXXX XXXX at the XXXX dealership in XXXX. The sales man showed us a white XXXX XXXX XXXX. We listened to the sales man and after negotiations back and forth he came up with an out the door price of {$30000.00}. We agreed to that price as the agreed upon price. He showed us this amount on a white piece of paper that he kept and did not give us a copy of, we didn't even get a chance to see the interest rate since we just got a chance to glance at it. At the moment, we didn't think much of it. We were okay with the XXXX price. When we went into the office to sign paper work the lady who did the paperwork said that her printer was not working fast enough and that she would just show us the paperwork on the computer and that I sign on the electronic pad. On the final paperwork it said that the agreed upon value is {$31000.00}. My wife told her that the amount on the paperwork was wrong and she said it was not because they would just write down that we gave a down payment of XXXX. My wife said that it was not true. She said that it was just a good deal that they had to put a value there but that we were just going to have to pay XXXX dollars in cash and not what it said in the paperwork. I was confused but she said to just sign and that we were still going to get a good deal. We thought this was true at the moment but after having someone else look at the paperwork and learning more about leases we learned that the XXXX XXXX XXXX XXXX is engaged in illegal practices in order to generate higher revenues. They changed the numbers around so that the capitalized cost of the vehicle would be higher and that our monthly payment would be higher as well. They also kept the paper that gave us the quoted amount and didn't disclose the interest rate to us. This is discrimination.
I told all XXXX agencies that the all credit inquiries were re-put on my accounts. They did not inform me within 5 days of reinsertion that they are adding anything to my report and since they all failed to notify me. They all violated my rights under the FCRA Section 611 laws.
The debt is not my. No payments were made by me on the account. I have been XXXX ( military ) during this time and ask the company to stop harassing me with letters. It has been several years later now. I still get the letters.
I did not receive the product or service provided by PayPal. I have sent replies back disputing the error. I have made two phone calls ( overseas ) to try and resolve this. The outcome has not been good. The initial charge was {$40.00} or {$50.00} USD. Now the want {$320.00} USD to resolve this issue. As soon as I found out about the account, I closed it. My bank did not pay the amount after investigating the issue. My bank was the reason I found out about it.
My mortgage servicer, Ditech has failed to send my mortgage statements to me for over a year. Ditech has been sending my statements and all other correspondence to my attorney despite several requests by bot me and my attorney. On or about XXXX XXXX, 2017, I sent Ditech a Notice of Error concerning this issue, but they have not corrected it. My attorney never told Ditech to send the statements to her and the previous foreclosure action, which was settled by way of a loan modification, has been discontinued, so there is absolutely no reason for Ditech to continue to send my correspondence to the attorney and not to me.
A chapter XXXX bankruptcy is being reported on Tranunion, XXXX and XXXX reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XXXX-18 ) it still remains.
I purchased a camera at XXXX XXXX XXXX in XXXX via the internet. I was charged {$340.00} for this camera for a total {$350.00} including tax. A few days later an additional charge was made by the merchant for {$80.00}. Capital one never gave me ample time to challenge the merchants " documentation '' to show and prove that I have NEVER authorized an additional charge of {$80.00} for any reason.
I sent a letter on X/XX/17 asking this company how they have came up with the balanced owed. I also asked for a contract that i signed with them saying i owe this debt and I did not receive a contract. I have never heard of this company and I do not owe this company. How do a company report late payments in the payment history when you never even had an account with them. This company is taking away my rights and is a violation of FDCPA.
I have been banking with Suntrust for a few years. I have two checking accounts and savings accounts. I have my payroll direct deposited every two weeks in my account. I use my debit card for all my purchases. Recently my account was froze on XX/XX/2017 for some unknown reason. I am not able to make purchases, or pay any bills since my bank account has my funds in it. I have not received any correspondence in the mail regarding my back account. No one online or in person seems like they can help me, or tell me why my account is like this. I have my income tax being deposited in my account in the next two weeks and it looks like I will not be able to get that money since my account is blocked. That will be another 3 months to receive a normal check. Meanwhile I am depending on the check to help me pay off some loans. I feel like I am being treated unfairly. These funds are my funds and they should not be able to freeze them for an account review without a reason of why.
Experian gave my information out without law required proof they have gave out credit report to companies without my permission like XXXX XXXX XXXX XXXX XXXX XXXX. Experian has stuff on hard inquiries they companies on me report have never herd of me when the company checks they get back to me and tell me they dont see me ever having an account with them or even applied companies above is dome of the 50 companies on my hard inquiry that I have checked and the company 's never heard of me, when I filed a complaint Experian blocked me from calling writing and online account. I have applied for credit and they gave out false information to them. Then when denied credit they refuse to give me a free credit report, and When I get a report from a third party the refused to let me do a dispute. Then they even went as far as to call the XXXX, Tx police department telling me not to write call or even do anything on line with them so them refusing to do so they by federal law can not report my credit they have to remove anything I disputed then they even had a representative even threaten me. And one of the files is what they sent me on a resolution and a report nothing there
I authorized a payment from my CapitalOne 360 checking account to my CapitalOne credit card on XXXX/XXXX/16 in the amount of {$200.00}. The credit card processed this payment on XXXX/XXXX/16 and then attempted to take the payment out again on XXXX/XXXX/16, resulting in a notice of insufficient funds. I had not authorized this second payment and can not get an answer from the company as to why they attempted to take money from my checking account twice. 
In addition, this credit card company imposed a 17.9 % interest rate on my card without notification. This rate is much higher than what was projected when I signed up for this credit card.