WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I set up a payment plan for my private loans through Navient / Department of Education. They have not processed any of them correctly from my bank account. OnXX/XX/XXXX they contacted my mother ( also my power of attorney ) to get a payment of {$18.00} with a ONE TIME AUTHORIZATION for that account.
For XX/XX/XXXX andXX/XX/XXXX Navient messed up the payments from my bank account resulting in me having to use my debit card for those payments. On XX/XX/XXXX they attempted to gain access to my previous account that they only had permission to use that one time to get a payment of {$150.00} Currently they are lying to me and harassing me because of their mistake and breaching their own one time authorization agreement. My mother is not also my POA she also runs one of the branches that my previous bank has in Pennsylvania. They are now also calling my mother a liar saying that I gave them permission to use a bank account that I had instructed closed months ago and had no information for.
This company has been calling my sister repeatedly for a couple of weeks now and leaving messages stating they are trying to locate me and that I used her as a reference. They have since been calling other family members as well as my own cell phone & house phone multiple times a day. I have called them to find out who they are, but can not get anywhere because I will not provide my personal information to verify myself as I do not know why they are or what company they are representing. I understand all of this and requested that they then mail this information to the address that they have on file as I do not believe I owe anyone money and they have refused to do so stating that I have probably moved. I have not moved in over 7 years and informed them of this and yet they still refuse to do anything. So now I am at a stand still. Myself and my family are being harassed with phone calls multiple times a day and I can get nowhere with this because I will not provide my personal information to a company I know nothing about as I do not even know if this is a scam! All I am asking is for the phone calls to stop & for something to be mailed to me providing proof of whatever debt they say I owe then I will be completely willing to talk to them about it and prove my identity. They keep saying they are calling my " references '' I have never used references for anything. I have never had a car loan or any other type of loan or any other debt that would require me to have references so I find this very hard to believe as well. Not to mention my last name has not been what they are calling me for the past 5 almost 6 years and my sister was only XXXX at that time so I most definitely would not have been using her as a reference even if I had to have one.
Fraudulent account opened using my identity. XXXX XXXX XXXX allowed and individual to open an account using my SSN and address. The account was not paid, forwarded to collection agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX, XXXX. I was contacted by security credit services and asked to pay the {$1600.00} dollars. I refuted the charges, explaining I had never opened a lease to open account with XXXX, not do I have any knowledge of the account or anyone would would do so under my name. The collection agency asked several questions regarding name, address, drivers license number, and employer. The information used to open the information such as drivers license number and employer dis to match me information. I was told by the collection agency, someone would contact XXXX XXXX XXXX and inform them of my complaint and information not matching. 

I contact XXXX XXXX XXXX  collections department at XXXX, they confirmed the photo drivers license and employer listed on record does not match. I was asked to complete Identity Theft Complaint and Affidavit, which I did. XXXX XXXX XXXX and XXXX XXXX XXXX continue to report the account as belonging to me, affecting my credit report.
Just received a notice from a law firm states that they have forward papers to have pay check garish for an account that I do not owe. The notice states the first judgement was back on XX/XX/XXXX. Here it is XX/XX/XXXX eleven years pass. I never had a credit card bill totaling over {$1200.00}. This is clearly over the 7 years statue.
The company has responded that it is still working on your issue. 
We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone. 

COMPLAINT ID XXXX When I contacted Wells Fargo on XX/XX/XXXX about this issue it stated I would be mailed the information to my home within two weeks. I have only been contacted by Wells Fargo about this issue via mail. There response that they can not contact me is not true. Now I got a letter pushing their response out until XX/XX/2019. If this bank can not look at its records and give the customer the information the bank has an internal issue with its documentation. In the mean time they are charging me interest on an incorrect loan balance. This is not acceptable. I have not been given the law suit information either.
Recently I visited an ER, and later my insurance company, less a {$35.00} deductible paid the bill. 

Yesterday, I tried to rent an apartment and was asked for a larger deposit, due to the recent tradeline placed on my reports by an unlicensed to conduct the business of a collection agency in the state of Arkansas, Professional Medical Adjustment Bureau. 

I obviously dispute the alleged debt, but was given no opportunity to dispute because this debt collector did not send to me, within five days of its initial communication to me, my XXXX rights under the FDCPA. 

In my circuit, reporting to a credit bureau is a communication to the consumer and considered debt collection activity. See, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( " '' The court has learned through its work on countless FDCPA cases that threatening to report and reporting debts to CRAs is one of the most commonly-used arrows in the debt collector 's quiver. Consistent with the view of the FTC-and consistent with the views expressed in XXXX, XXXX, and Semper-the court finds that XXXX was engaged in " collection of the debt '' in violation of XXXX ( b ) when it reported XXXX 's disputed debt to the CRAs before sending verification of that debt to XXXX. " ) ). 

XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( W.D. XXXX XXXX XXXX ( Reporting to credit bureaus is a communication within the FDCPA. ) ). 

Banks v. XXXX XXXX XXXX, XXXX WL XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ) ( Rejecting the argument reporting to credit bureaus is not debt collection activity ) ). 

This collection agency has violated the FDCPA and the Arkansas XXXX, by failing to be licensed to conduct the business of a collection agency in the state of Arkansas, but nonetheless communicating with me through my credit reports and attempting to collect a debt from me via my credit reports. 

If this illegal reporting is not removed from my reports, I will file a private action in the United States XXXX for the XXXX XXXX of Arkansas. 

Thank You!
On XX/XX/2018 and XX/XX/2018 - I received a robo call from the debt collection company identifying as Improved Data Services ( IDS ). Although XXXX appears to have sold the debt to XXXX XXXX XXXX , XXXX and would be handling the matter as of XX/XX/2018, IDS claims to have received my information on XX/XX/2018. After following the prompts and trying to figure out why I was being called, the representative XXXX called and told me to " cut the attitude '' mind you, this is an unsolicited call to my job by people trying to verify who I am but called me. She was rude and said ( since I have an attitude ) " blah, blah, blah, we'll just continue to call you at work! '' She then hung up on me, called back from a blocked number and just proceeded to breath into the phone and not say anything. This is in direct violation of 15 USC 1692d Sec. 806 ( 5 ) of the FDCPA. I called the number from the initial phone call XXXX and spoke with XXXX XXXX, who told me to " focus and get back to the basics '' she said XXXX was seeking a judgement against me and they were trying to settle the debt. I have received no correspondence from XXXX indicated there is a judgement. I explained to XXXX that I am aware of my rights and work for a law firm and the sheer fact that she is mentioning a judgement ( without an actual judgment in place ) is in violation of the 15 USC 1692e Section 807 ( 13 ), which states " the false representation or implication that documents are legal process. '' She stated " it's not harassing, I've been a debt collector for 16 years. How long have you been a debt collector? '' At that point, I had enough of the harassment and hung up. 

As of XX/XX/2018, IDS is continuing to call my job.
My name is XXXX XXXX. This complaint is about Amerihome Mortgage, Loan # XXXX. Property address, XXXX XXXX XXXX, XXXX XXXX, XXXX SC XXXX. 
I am a XXXX  % service connected XXXX veteran who purchased a condo at the above address. Amerihome mortgage is the loan servicer. Three months ago I filed for a XXXX County SC 100 % property tax exemption due to my service connected injuries and XXXX County SC approved it. I sent it to Amerihome Mortgage to have my payment adjusted while at the same time requested an escrow analysis for the refund of over {$3300.00} in the escrow account. 
Amerihome mortgage verified my tax exemption document through XXXX XXXX and promised my payment would be adjusted and the escrow funds returned. I have spoken with them several times over the phone and been promised this is being done although to date they have refused to adjust my payment or refund the escrow funds. Every time I call I get more promises and nothing happens. Today, I emailed them that I wished to stop escrowing any taxes therefore if they refuse to honor the XXXX County tax exemption document at least I could make my Principal and Interest payment without them holding my taxes and refusing to return them. Amerihome mortgage personnel and their management team are incompetent at their positions and liars in their efforts to take my money, hold it in escrow when I have provided them everything they requested in an effort to comply with my initial request. Stay away from this mortgage lender at all cost. 
XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX  XXXX ( RET. )
On XXXX XXXX 2017, I went to XXXX of XXXX ( XXXX XXXX ) to get a loan for a used car. I talked to a salesman because I already knew the car I wanted ( I went the day before that and already saw the car ). When I test drove the car and decided on the price and the monthly payment before he pulled my credit I clearly told him that I 've read that sometimes when you shop for a car the dealership pulls your credit and it can create multiple hard inquiries on your credit report and these could be in the report for up to 2 years. He assured me that they do n't have such practices. He went and came back with my credit score which was XXXX. It went well afterwards because they were able to stay within my range of payment. I went to see the financial guy and asked the same questions about the possibility of hard inquiries and he told me and assure me that they do not operate like that. I did believe them and after 2 hours of transaction and a interest rate of 6 % I drove with my new possession. On Tuesday, I received an alert on my XXXX XXXX stating that I had something in my credit report that needed my immediate attention. It turned out that the dealer made XXXX hard inquiries on my credit. Of course I tried to call them after that and after so many unsuccessful attempts to reach somebody who could explain this situation, I finally decided to go and talk to the manager. He did not care much about me or what I had to say to him. He barely paid attention to what I was trying to explain and my confusion. he vaguely told me that he would try to " find out what happened '' and he was done! Since I was outside in the dealership parking lot he decided to come back to me and explain that he just saw the report and that they did all those inquiries because 3 of the bank did not want to finance. My question is : how about the other 5. The dealer and the financial guy were nowhere to be found. That is how I talked to CFPB to see what were my options. I would like to confront them and have only hit on my credit. I just made a home purchase and had XXXX hard inquiries. XXXX is abnormal to me and what is frustrating is the lies and the disrespectful way of dealing with consumers. I work hard for my credit and believe that I was treated poorly. They made all those hard inquiries in 1 day so I it should be counted as one hard hit and not XXXX. Thanks for your time
Loan included in Chapter XXXX bankruptcy. Servicer failed to calculate escrow correctly and wanted to change final order after Bk confirmed. Paid agreed upon payment. Servicer would not distribute escrow over XXXX year period per hardship and refused to accept agreed on payments. Would not allow a modification. Escalated to attorney referral and late fees. Contacted Attorney prior to Lis Pendis and requested payoff. Attorney delayed payoff until Lis pendis filed to include attorney fees and proposed fees. Requested adjusted fees stated they had to contact the servicer for the adjusted payoff. Finally received payoff with only XXXX in fees adjusted and no response to request for modification. Servicer modification team operates XXXX to XXXX est. only..
VICTIM of their inquiry issue! 
Customer Service would not help and take care of the negative inquiries reporting. Customer service was Extremely rude and vulgar. 


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
I never received a XX/XX/XXXX statement so when I got my XX/XX/XXXX statement i called to see what they would do about the fees. They claimed they could only refund the immediate interest fee ( {$2.00} ). I  immediately went on line and paid my bill through THEIR website on XX/XX/2019 ( Transaction # XXXX OR XXXX ). 
I found out a week or so later that the payment HAD NOT BEEN MADE! I called back - their claim was that I had not signed the check.???? How can that be ...? I used THEIR website and paid like I have done many times before? THEY THEN CHARGED ME A RETURNED CHECK FEE? When I found out I called the Representative back again and gave my banking info to the Representative and made another payment from a different bank at that time. 
Then after I had made the payment over the phone I was locked out of the online account I have for this card because of " Account status '' That's nuts, I had paid the account!!!!! 
This whole experience has been a cluster. 
PLEASE STAY AWAY FROM THIS COMPANY FOR YOUR OWN SANITY.
My name is XXXX XXXX, and I applied for a Reverse Mortgage in XX/XX/XXXX with XXXX XXXX, now it is being service by XXXX XXXX. I have kept the property in impeccable condition and have kept Insurance and pay on the Taxes when due. 
In the fall of XX/XX/XXXX following a storm, I was doing repairs on the Subject Property, and felled on hit my head on the pavement below. I did not go to the doctor, and over time the concussion caused a XXXX to develop and interfere with my memory, cognitive skill and I acknowledge, that I did miss my XX/XX/XXXX Tax Payment due no later than XX/XX/XXXX. 
I received a notice for XX/XX/XXXX and it showed a unpaid tax for XX/XX/XXXX, and when I contacted the Tax Collector office, they told me it was paid by my Lender Nation Star on XX/XX/XXXX. 
I HAVE NO PHONE NUMBER FOR NATION STAR. I called XXXX XXXX XXXX and could only talk to a robot. With my head injury, and little knowledge of XXXX, I was befuddle as to what I should do. I tried to pay the XX/XX/XXXX Tax, in XX/XX/XXXX, before going into the hospital, but was told that Nation Star had already paid. While I was in the hospital in the Intensive Care Unit, I received a Foreclosure Summons from the Attorney for Nation Star. I am XXXX years old, my Spouse suffers from XXXX, and I can repay the Bank for the Taxes they paid, but neither XXXX XXXX or Nation Star ever contacted me by phone, or letter about repaying the Taxes. I do not want to lose my home for XXXX. Seniors should not be treated this way by hauling them into Court on wheel chair.
borrowed {$450.00} fro m Northern Plains Funding llc I have made 16 payments of a total of {$130.00} and one of {$67.00} i understand the interest are high and that is why i wanted to  pay it off as soon as possible now they tell in order to pay it all off it is going to be a total of {$500.00}
I wrote a letter to Chase XXXX service about an unapproved inquiry I found on my credit report. I stated that I NEVER applied for an Chase credit card nor do I own a Chase credit card and can they remove this inquiry off my report. Because clearly this is fraud.. Well received an response letter date on XX/XX/18 from a XXXX XXXX XXXX XXXX XXXX  XXXX stating that " after researching the request, we found that the inquiry was valid. This inquiry was part of the process to review the application you requested on XX/XX/XXXX '' Now, like I stated before I never applied for a Chase credit card but they have chosen to ignore the fact that my complaint stated that in the beginning.
My wife and I noticed a fraudulent credit card charge from a mail order cosmetics company in XXXX of XXXX after reviewing our XXXX statement. At the beginning of XXXX we contacted Walmart Synchrony bank to report and dispute the fraudulent charge ( XXXX ). We provided the amount of the dispute ( {$260.00} ) the date ( XXXX/XXXX/XXXX ) and also cancelled our old card and ordered a new one to prevent further unauthorized charges. I have made more than 10 calls to the credit card company since then and keep getting the run around. Today they said their investigation shows the charge was valid and my claim denied. It is extremely frustrating as we have no clue as to what the charge was for and never made a purchase to this company we had never heard of.
XXXX 
ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
Doctor visit was  XXXX   XXXX ,  2016 . Chapter  XXXX  bankruptcy filed  XXXX   XXXX ,  2016  and discharged  XXXX   XXXX ,  2016 . This debt continues to be listed on my credit report as delinquent. Additionally, my attorney attempted to send a dispute letter to the address the agency listed on my credit report, which was returned as undeliverable. My attorney believes that reporting inaccurate informatio n ( in the case the contact address ) to a credit reporting agency is an additional violation of the FCRA.
I requested my free annual credit reports from XXXX, XXXX and TranUnion in XXXX as usual and have not received them
This is for SYNCB Paypal. I have tried to get them to remove the erroneous information they are sending to the credit bureaus. The debt was paid in full!
Rush card did an update on their system and somehow my money magically disappeared. My balance was XXXX. I pumped XXXX in gas and my balance went down to XXXX. ( -XXXX ). I quickly withdrew the remaining balance. Last week one of my jobs deposited me a check of XXXX and my XXXX job a check of XXXX. I still have n't received either deposit. I have bills and kids and even if I did n't its my money and I need it.
XXXX XXXX XXXX ( Mr. Cooper ) has moved to the Notice of Trustee Sale on my home withouth first providing the requisite Notice of Pre-Foreclosure Options ( NOPFO ) as per WA. RCW. 61.24.030 ( 8 ) and RCW 61.24.031 ( 5 ) ( a ). This is a clear, specific violation of the Deed of Trust Act and the sale should be  terminated immediately. The previous Sale attempt was cancelled by Washington 's Department of Financial Institutions for this exact same reason ... failure to provide the NOPFO and yet again they are trying to steamroll right over me to sell my home without compliying with Washington law. 
Please see my attached complaint for complete details.
I have asked this company to remove my number from its database several times. The person they are calling does not live here nor do we know her. I 've had this number for XXXX years.
I went through the pre-approval process at a local jeweler to see the amount of a loan I could get approved through Wells Fargo for an engagement ring. Neither the paperwork or the jeweler ever mentioned opening an account with Wells Fargo, and I left the jewelry store that day without making a purchase and without ever speaking with Wells Fargo to open the account. About a month later, I received a credit score that mentioned I had a line of credit that had been open for about a month. While I was confused at the time, it sounds very similar to what has happened with many consumers that have been scammed by Wells Fargo. At the time, I called Wells Fargo to close the account and clear up the confusion - and even mentioned that the account was opened without my knowledge. The representative on the phone said there was nothing they could do to clear the account off of my record. I did not come to the realization until reading further into the scam that I was definitely victimized by Wells Fargo, and they did not take steps to correct the mistake and have not reached back out to me.
On XXXX XXXX 2015. the CFPB and Encore Capital Group , owners of Midland Funding LLC entered in a Consent Order. In XXXX XXXX not one judge is honoring this Consent Agreement and lawyers for Midland are still suing not only in the state courts but also in the federal district court in violation of the Agreement. 
What can be done to enforce this ORDER??