WillisBack/dataset-financial-user-claim huggingface dataset:
ENHANCED RECOVERY I asked ENHANCED FOR for valiation and verification pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and EHANCED RECOVERY is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( XXXX ). EHANCED has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want ENHANCED RECOVERY to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) has successfully disputed this information because within five ( 5 ) days ENHANCED RECOVERY did not provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for ENHANCED RECOVERY. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants ENHANCED RECOVERY TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because ENHANCED RECOVERY says she owes them money and according to the LIBEL CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract on. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. Regards XXXX XXXX XXXX Consumer
I have a new number less that a week. Capital one keeps calling for someone else. I have advised them 5 x since last Thursday to stop calling as I do not know that person, this morning they called again, I once again advised them to stop calling..
My complaint is against XXXX And XXXX. 
They bought these debts from XXXX XXXX. 
Which XXXX bought from XXXX. 
I WON the Litigation AGAINST XXXX in XXXX XXXX, CaliforniaWith many others!!! Shame on XXXX XXXX XXXX for such " stupid '' purchase! 
NOT A REPUTABLE or RESPONSABLE OUTFIT!!, when purchasing bogus debts and outRight destroying somebodies Credit Report without even properly investigating the facts and proof FIRST!!!!! Their lid emcee should be stricken from them!!!!
Up until recently ( XX/XX/2015 ) I was a member of the Experian bureau 's online credit tracking. For the past 3 years, I used the site as a measure to help work on my credit. When I first started, based on the credit tracker, my credit score was XXXX. This site provided a great resource in showing what accounts were negative or what kept my credit score low. As I began to work on my credit, based on the report provided by Experian 's online credit tracking, I started to see improvements in the score it provided. Now 3 years later ( XX/XX/2015 ), based on the site, I have a credit score of XXXX. I felt comfortable with the progress I made and used the information ( Credit Score ) the site provided to determine whether or not to apply for loans and credit cards. I recently applied for a Small Business line of credit with XXXX XXXX. Unfortunately, I was denied due to my credit score. Once I heard the news I was shocked. Then I received the letter from XXXX XXXX saying that my credit score reported from Experian was a XXXX! In disbelief, I checked to see what my score was around the time XXXX XXXX pulled my report. XXXX XXXX pulled my report on XX/XX/2015. I did n't pull my report on XX/XX/2015. But I did pull it on XX/XX/2015 and again on XX/XX/2015. On both dates, my score as reported by Experian was XXXX. I would like Experian investigated for providing false information or for misrepresenting their online service.
Bank of America froze my account in sometime in XX/XX/XXXX because it alleged that certain funds I received in my account did not belong to me. BOA told me over the phone it was investigating my account and never sent me any correspondence. I had received a {$10000.00} cash deposit from a family member to help purchase a car. After months of waiting for the resolution, BOA later closed my account which had an estimated balance between my checking and savings account of about $ XXXX and now said it was due to $ XXXX check paid into my account. I told them that no XXXX check was paid into my account that they should send me a copy of the check. BOA reported me to check systems and their action prevented me from being able to open other accounts with other banks. 
In XX/XX/XXXX, I called back again and demanded to speak to a supervisor and again explained my situation and asking what happened to my balance/refund, BOA now sent me a check of {$3400.00}. I told them this is less than my actual balance and told them to send me my bank statement as at the time the account was closed, BOA sent me blank statements and nothing showing any figures. 
I want the CFPB to please open an investigation into this case, was there a check really paid into my account, and if not help me get my money back from this bank, I want nothing to do with them in future. 
BOA is notorious for closing accounts even when it lacked the proof that a transaction is fraud. They tell you they have a right to close your account for any reason but if they can not prove any wrong doing which their was none in this time, they must issue a full refund.
I had a car loan with XXXX XXXX that was paid as agreed and never late. Recently I checked my credit reports online and they have XXXX XXXX showing up with several negative marks.
I recently received an incorrect XXXX listing an ( improper year - XX/XX/XXXX ) from Midland Funding, LLC. Their XXXX should have been listed for the ( prior year - XX/XX/XXXX ), due to the fact that the settlement was made and completed and also reported on my XX/XX/XXXX income tax return. I contacted Midland Funding, LLC on XX/XX/XXXX regarding this error and they are refusing to issue me a corrected XXXX for the proper year of XX/XX/XXXX and I do n't know what to do. I 'm hoping you can help me with resolving this matter. Attached are scanned documents verfiying my information relating to this matter. Thank you.
XX/XX/2018 -XXXX XXXX XXXX contacted friend -Company said they were a law. They said they've been trying to get in touch with me about a pending lawsuit in XXXX County that's being filed by Friday. They left a phone number, case file number, and extension. 

XX/XX/2018 -I called XXXX XXXX XXXX -They claimed I owed {$680.00} and would accept debit card payment. They sent over a single page contract. 

XX/XX/2018 XXXX XXXX -XXXX XXXX XXXX contacted mother -Company left a voicemail claiming to be a law firm stating that I owed {$680.00} and was going to recieve a {$38.00} fine if I didn't pay by XXXX XXXX that day. 

XX/XX/2018 -I contacted XXXX XXXX XXXX -I requested that they stop contacting others about my debt. They said they would talk with their head attorney. They gave me their address of XXXX XXXX XXXX once asked. They attempted to send a single page contract again that I never signed.
You are in violation of the fair credit protection act. You have failed to remove in accurately reported information. As previously stated, XXXX XXXX has never visited XXXX or been treated by them.
I emailed and mailed the following to XXXX XXXX, CEO of Amex on XXXX/XXXX/XXXX : Re : American Express Acct No. Ending in XXXX & Amex Corp Card Ending in XXXX Dear XXXX, As an America Express member since XXXX and a strong advocate of your company 's services, I am reaching out to you for assistance. I became unemployed in XXXX of XXXX. I immediately notified your company on account number ending in XXXX that I wanted to be put on a payment plan. I was told I did n't qualify, but that I could continue making payments until the balance was paid off. I made payments every two weeks either on line or by phone. Each time I made a payment by phone and spoke with your representatives, I told them about my unemployment status, and not being put on a payment plan - I received the same answer which was to continue making payments until there was a XXXX balance. 

Although my account was suspended, I continued making payments which included late fees, annual membership rewards fee, and the annual membership fee. In XXXX, I could no longer make a payment on line because the status of my account was canceled. I immediately called and was told that because my account was delinquent for so long, your process was to cancel the account. I explained several times that this information had never been provided to me, and the representative told me that I can apply for reinstatement if I agreed to pay {$25.00}. I grudgingly agreed to the fee and a week later I received a letter saying I was n't eligible for reinstatement. I again called and spoke to a manager who explained I can apply for reinstatement once the balance is paid in full. This was done on XXXX XXXX, XXXX. 

What I am requesting is for the above reference account to be reinstated, along with my reward points that I 've paid for throughout the almost 30 years that I 've been a member. I 've been employed since XXXX and I am capable of making timely payments. 

Your records will also indicate there was a delinquency on Amex Corp card ending in XXXX. This delinquency was a result of my prior employer not approving the expenses in a timely manner. I 've enclosed their letter for your review which shows all charges, and late and cancellation fees were paid in full by XXXX. 

I was contacted my XXXX XXXX from Amex on XXXX/XXXX/XXXX who told me my account would not be reinstated and to read the terms and conditions. I then told him to give me a full refund of the annual reward program fees ( approx. {$45.00} for 28 years ) and was told I was not eligible for a refund. I asked several times to speak to his manager or the CEO and was told repeatedly he had the final say and my situation had been reviewed with the CEO and he approved the decision. He then hung up on me - the call was recorded and this can be verified. Ironically enough I am being solicited for the blue, optima and corporate Amex cards on a weekly basis.
I have my mortgage through Pacific Union Financial. 

My XXXX Escrow was incorrectly charged {$1800.00} to a different insurance company. 

After calling immediately, the supervisor said they would work to remove the charge by the end of XXXX. The end of XXXX arrived and my next mortgage payment was {$1000.00} instead of the expected {$740.00} ( perhaps slightly adjusted for taxes ). We called the consumer service line again and was told we had to wait for the refund to arrive before analysis could be run. This was the error, we should not have been responsible covering the {$1800.00} charge on our account. 

XX/XX/XXXX, I called again and they said they submitted the escrow for re-analysis. 

XX/XX/XXXX, I called again and they requested a new escrow analysis. 

XX/XX/XXXX, Insurance department supervisor for the insurance department stated that they had expedited the analysis requested the previous week, but I would still owe the {$1000.00} for my XXXX mortgage payment. 

XX/XX/XXXX, Insurance department supervisor informed me that the escrow department had denied the re-analysis request from earlier in XXXX, but did not specify the reason. I was unable to be connected to any escrow representative or have the mortgage payment adjusted for XXXX, even though this was Pacific Union Financial 's error on my account. They said the readjustment could take several weeks, by which time, I expect they may also over charge me for XXXX, which I can not afford.
To preface this is about the tenth time this has happened. XXXX XXXX/Navient has mis-allocated my student loan payments, ( again ) making certain loans become past due. I have called them over and over to solve the problem. As a customer, this is extremely frustrating as I have fixed it so many times, yet it still continues to happen. I can not include dates because I get several phone calls/emails a week regarding the matter every time it happens. I also have no idea what actions can be taken by the company because they obviously don't pay attention to this mistake as it has happened over and over and not just for me. This company really needs to have some sort of protection against it. This is just the problem of the week and I seem to have problems all the time with them. This is the worst company I have ever dealt with yet no corrective action has taken place. I would love the single payment they take out of my bank account directly every month to be correctly allocated to each loan that is due.
On XXXX/XXXX/16 I applied for American Express Platinum card with promotional offer of receiving XXXX MR points after spending {$3000.00} or more using the card within 3 months. I fulfilled the requirements and received XXXX MR points totaling XXXX points on my account. On XXXX/XXXX/16 the XXXX points disappeared from my account. On XXXX/XXXX/16 I have call the customer service, talked to XXXX and been told the account is under review and will receive explanation letter or call from American Express within few days. As of today I did not received any correspondence at all. 
Please investigation this issue and let me know. 
XXXX XXXX
Payments are held and/or destroyed by automated processing equipment. My payments are " made months ahead of time '', " I am not behind ''. I made XXXX payments in XXXX for XXXX, XXXX, XXXX. & XXXX, XXXX payments were processed, XXXX was lost. All XXXX payments were in the same envelope. Last week XXXX XXXX I made XXXX payment again. Mailed first class to local XXXX address. M.O. for {$1000.00} & Personal Check for {$280.00} total equaled my required monthly payment of {$1200.00}. Ditech does not show receiving this payment. 
Back in XXXX XXXX Ditech held my payment until a late charge was due. In XXXX XXXX Ditech refused to credit my XXXX XXXX payment because XXXX late charge was due. Instead of crediting my payment Ditech put the payment in unapplied funds. They said they did that and would not apply the payment until the late charge was paid. My Deed of Trust says all payments shall be applied as follows : Late charges are last in line. The Deed of Trust does not give Ditech authority to not apply payments if a late charge is due. This company is not applying payments on a timely manor and is creating late charges by holding checks and the automated equipment is not working properly and is destroying checks.
I obtained the Premier Gold Amex Card which was offering Earn XXXX Points after using the new Card to make {$2000.00} in purchases within the first 3 months. 
When the account was opened I called to assure that my account was eligible for the bonus offer, I also called during the time I had the card and after I reached my {$2000.00} worth of purchases. 
After I spent the expected amount on my premier Gold Amex  the points were never issued and after speaking with XXXX a supervisor in Texas she decided not to do anything about the situation. 
XXXX cold transferred me to XXXX ID # XXXX in XXXX, Florida who also could not do anything to assist me. 
The company does want to do anything to justify the situation. 
A case # was opened with them but they are informing me that it's just for their records but they can not help.
On XXXX XXXX i went to XXXX XXXX XXXX to buy a car. I was told that XXXX had their own finance company and gave them permission to run my SS #. When i reviewed my credit report i found out that they actually shotgunned my ss # which made me have several soft and hard inquiries that i did not authorize. I contacted Trans Union who removed them all which raised my score and reduced my number of inquiries and added them all back today. I did not authorize these and i contacted the companies asking for something proving that i did. which i know they can not produce because i didnt know or authorize them. Shotgunning for car purchases should not be allowed without a person permission. This is horrible on a person credit.
American Express extended an offer for a new Gold card with a XXXX membership rewards points promotion, but then told me on the phone I was n't eligible since I had previously had a gold card. They should n't send me such an offer if they do n't intend to offer it to me. There was no disclaimer on the terms and conditions, noting the condition that I must never have possessed a gold card in the past. This is a case of bait and switch. They should be prohibited from sending such offers. Surely, the company has a record of my previous business with American Express. They said their marketing department does n't have this information. I say get it to them and do n't make me an offer you do n't intend to stand by. 
Thank you.
Please read the attached letter, it pretty much explains what. I had tried unsuccessfully to fix this matter with XXXX XXXX in years past.. The Washington State Attorney General suggested I filed a complaint with XXXX XXXX new attorneys.to the Washington State Bar for fraud on the court and XXXX XXXX XXXX for copying a alleged promissory note. ( The Old attorney XXXX XXXX and XXXX including trustee XXXX XXXX  were forced to close in XX/XX/2017 because the DOJ and many lawsuits against them ). Since then the BAR dismissed my case but the Alleged Debt to service had been transferred from XXXX XXXX to Specialized Loan Service. I apologize it took this long to send this from the date of the attached letter. but I had a problem with the internet after the last snow storm.
I did not open this credit card account and have informed the bank and submitted a police report and documentation requested by Santander Bank to that effect and submitted a dispute to transunion credit agency, but they continue to call me at work and home at all hours of the day and night. On XXXX/XXXX/2015 XXXX from Santander bank called at XXXX XXXX pst, and this has happened more than XXXX!
I have on more than two occasions requested that Experian and XXXX remove an alleged bankruptcy which they are reporting under my name in my their credit files. Letters which have been composed by me have repeatedly asked them to validate and verify the alleged bankruptcy and both companies have corresponded that the bankruptcy has been verified from the company which provided the information to them. The company which they are speaking of is XXXX XXXX and that company has no such bankruptcy listed in my file. I have received a copy of my XXXX XXXX file and see no such information within their database. On another level of complaint with the same erroneous and alleged bankruptcy information, according to the new law effective XXXX XXXX, XXXX any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. Experian ( Report # XXXX, dated XXXX XXXX, XXXX ) and XXXX ( File # XXXX, dated XXXX XXXX, XXXX ) have not provided this information on the credit report that they maintain in my name. This is a violation of the new law. Because I have repeatedly inquired with both companies and they have both claimed that it is verified, the erroneous information does not have the minimum required information listed in this alleged bankruptcy, and they are not willing to do the proper investigation into this matter, I am requesting your assistance with this issue. I have credit file documents ( provided here ), certified and return receipt mailings from the United States Postal Service ( provided upon request ) tofurther solidify my complain which I am presenting. I am very frustrated with both companies and their lack of diligence and because this incorrect information is being reported, offers are not being executed. There is no such bankruptcy being reported on XXXX and XXXX ( both provided here ) and  this information was also sent to the two credit bureaus as well.
Creditor : XXXX XXXX  Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
I made a deposit at an ATM for {$300.00} at XXXX Pacific Time. The deposit was still pending the following day and did not credit to the account. I was charged XXXX overdraft charges of {$34.00} each as a result. I call Chase and they ssid the system on the east coast said the deposit was made at XXXX Eastern Time. My ATM Receipt shows a deposit time of XXXX Pacific Time exactly.
To whom it concern : we feel harrassed by Old National Bank. We had a personal loan for a business with XXXXXXXX XXXX, whom was bought out by Old National Bank. We assumed we would continue with our payment on this loan. They are now calling in the entire amount of the loan, which is around {$40000.00}. They want payment by XX/XX/2018 in addition a penalty of over {$1800.00}. We are seniors on fixed incomes. 
Were requesting a payment plan as we had initially. We anxiously look forward to a reasonable response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX We have made many efforts to pay this loan, including a line of equity based on the home but it fell apart when we had to replace a furnace. We can not do this again in time for XX/XX/2018. Please assist us. I do have an XXXX credit score. No other outstanding bills or loans or credit cards.
I set up Auto pay for my student loans, and while checking my statement I noticed I was removed from autopay.After calling in to fix this issue and reenlist in auto pay I informed the representative I wanted to pay extra to cover the interest and additional principal for my loan.The representative told me she would apply the payment to the interest and additional payment to the principal. While checking my statement, I learned the representative did not apply the action as we discussed, but put this payment as a future payment. Upon learning this on this I called the company and was informed by a representative that any extra payments you make do n't apply to the principal of the loan.The representative continue to tell me false information to the point I had to request to speak to a supervisor.After speaking with the supervisor he informed me that the information she gave was incorrect.During our conversation I requested additional funds be withdrawn from my bank account at certain days and signed a verbal contract, but while checking my bank statements I say these funds were withdrawn on days I did n't agree to.