WillisBack/dataset-financial-user-claim huggingface dataset:
XXXXXXXX XXXX XXXX has serviced my loan, they are suspicious because they stated that my loan was transferred from Fairway Mortgage company to them, yet the billing address, website address, payment address, matches everything with Fairway Independent Mortgage. They have not handled payments correctly, and they have not paid my property taxes on time. Per their automated system, as well as their agreement. They are supposed to pay my taxes on XX/XX/2018. This is when the taxes are due. I have been advised that they will be paid on XX/XX/XXXX. This is not when the taxes are due. I have received two different notices, and when I called in to speak with someone about it. I got a gentleman on the phone, named XXXX XX/XX/2018 who said that I did not understand the process and they will not be paid until XX/XX/XXXX regardless of what I said, or my tax bill reflected.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In XX/XX/XXXX I defaulted on an XXXX credit card with a balance of {$6800.00}. The matter was turned over to Transworld for collection. ( I selected the items on this site that best described my issue but it was not an exact match ). Transworld first garnished my military retirement for 6 months in XX/XX/XXXX. I can not find records of this. They then garnished my wages from my employer XXXX XXXX in XX/XX/XXXXthrough XX/XX/XXXX. I have evidence of this in my attachments. I started a new job in XX/XX/XXXXand in XX/XX/XXXXTransworld garnished my wages from XXXX XXXXXXXX XXXX and are still presently doing so. In XXXX of this year Transworld garnished my XXXX XXXX  once again and are now garnishing both my work wages and my retirement, leaving me no disposable income. All my earnings go to obligations with very little exception. I am attaching the last statement I received from XXXX which shows just last month they collected {$830.00} from me. 
I have spoken with Transworld on several occasions and they will tell me nothing, simply refer me to XXXX. XXXX told me in XXXX of this year that they show no record of collections from me until XX/XX/XXXX. I am attaching summaries from XXXX that show a garnishment in XX/XX/XXXX and XX/XX/XXXX. XXXX only started sending me statements this year after I complained to them. The original billing from XX/XX/XXXX was for {$7900.00}. In XX/XX/XXXX, they stated my debt was then over {$13000.00}. In XX/XX/XXXX, the debt was still listed as over {$13000.00}. The statements finally started showing a decrease in the debt. I am not sure what I can do to prove all the garnishments but I hope I provide evidence of enough to show that Transworld collected a substantial amount from me without forwarding all they collected to XXXX. XXXX offered me no solace. i was told that they were a government agency and they could do what ever they want and they claim they gave me chance to negotiate. I did receive a notice of this but when I inquired they would not set up any payment agreement. Any assistance you can offer will be appreciated.
To whom it may concern : I have several collections on file from collection agengy XXXX XXXX XXXX. ( account number ) XXXX on XXXX report and account number XXXX on my XXXX report. Please be adviced that I am disputing these collection accounts due to the fact that XXXX XXXX XXXX which utilizes XXXX XXXX Resurgent Capital Services, located at XXXX XXXX XXXX XXXX, S.C XXXX, does not currently have a license in the state of ILLINOIS to collect debts. The State of Illinois ] Department of Financial & Professional Regulation websites does not contain licensing verification for this " collection agency ''. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide physical proof that XXXX XXXX XXXX is in fact licensed to collect in Illinois. Your immediate response will be greatly appreciated.
Genesis Credit Management originally contacted me in XX/XX/XXXX. I disputed the charges and requested that they validate the debt on XX/XX/XXXX. I informed them on XX/XX/XXXX that I do not owe the debt they are attempting to collect, to cease contacting me, and take no further action ( attached ). Despite this though, they continue to contact me and reported the unvalidated debt to the credit reporting agencies. I submitted a complaint to the CFPB regarding further calls on XX/XX/XXXX, to which they never responded ( attached ). Subsequent to that they attempted to contact me again on XX/XX/XXXX and again on XX/XX/XXXX ( attached ). I have also submitted a complaint with the WA State Attorney General 's Office regarding the continued harassment about a debt I do not owe. I request that the CFPB compel Genesis Credit Management to cease communications and abide by the applicable consumer financial protection laws, which they continue to violate.
Company is robo calling my house early in the morning every 2 days for over 2 months. I am not the person they are calling, I am not related to the person, I do n't have nay idea who is the person they are calling. My answering machine clearly states my name. They only leave number to settle debt and that person has not way to have my number removed and states they only can talk to person who owes debt. The robo call does not leave any method to alert them that they are calling wrong number.
I was a victim of Identity theft and I notice 2 accounts on my credit report. XXXX # XXXX and XXXX XXXX # XXXX. 

I have provided XXXX, Experian and XXXX  the copy of the police report and have provided a victim 's complaint & affidavit to XXXX and XXXX XXXX and everything else that they have requested. XXXX  deleted the 2 accounts, but XXXX  and Experian has refused to delete these 2 accounts from my report. They keep saying that they have verified that this account is mine but have not provided any documentation to show that these accounts are mine. 

Also I have also asked the original creditors - XXXX & XXXX XXXX to provide documentation / proof that this account belongs to me and they have not.
The information shows that the account is placed as a in collection or charged off. This information is very inaccurate because I was considered XXXX XXXX XXXX XXXX XXXX XXXX by the Veterans Affairs. I did all the required documents so it was placed as a loan forgiveness.
I am respectfully requesting that Ally Banks processes be verified in regards to discriminating against lawful residents that are not U.S Citizens. I have experience discrimination in several degrees throughout the process of applying for accounts and a credit card with Ally Bank. I have never experiences any issue with other banks as my credit report portrays me as a reliable borrower, however, Ally Bank requested verification documents to prove my identity. After I sent my non-american passport along with documents proving that I am a U.S resident and bank account statements, Ally Bank still rejected my application. Every time I have reached out to have the situation analyzed, they have simply submitted my application for reconsideration without any updates or changes to their decision. I have been made very upset when agents would state that Ally Bank is an agency for U.S citizens alone as a I know that should not be the case. 

If you have any information that may be helpful to me, I would appreciate it very much. 


XXXX, XXXX XXXX XXXX XXXXXXXXXXXX
I have notified target over and over again via fax/mail and secure onsite messaging. I was in a re-payment program and after contacting the  CEO   XXXX   XXXX   XXXX   XXXX   office, I was told to fax a letter requesting that the repayment plan be removed as I am now current and have been current and no longer need the repayment plan! I was also asked to request my card be re-opened. I did all of this many weeks ago and I am getting no response from this company! It is either a silence completely or a standard " please call us message '' I DO EVERYTHING IN WRITING JUST FOR THIS VERY REASON!!!! I keep EVERYTHING on hand.
Medical Data Systems has a debt on my credit report and it 's showing paid, but this debt is not mine. I have tired to call them and explain the issue, but they stated their is nothing that can be done because it 's paid. I tired to validate the debt twice, to get proof that the debt is not mine. I want to send the paperwork to the credit reporting agencies, to see if they can help me. Medical Data Systems refuses to send any paperwork regarding the validation of the debt. Please help!!! even though this debt is showing paid, it is lower my credit scores.
Good morning, In XXXX of this year I noticed fraudulent charges on my XXXX XXXX credit card. I called the credit card company and advised them of the charges and closed the account. It was quite obvious to see that the charges were not mine. I have a very consistent record of purchases, dollar amounts and purchase locations. The phone representative said he could easily see the charges were not made by me. He told me the card was closed immediately and that no more charges would be put on my account. I told him I did not want another credit card reissued. I then paid my legitimate card purchases balance to take the account to XXXX. I received a confirmation letter that the account was closed, dated XXXX ( letter attached ) In XXXX I had to contact the XXXX XXXX again as they were trying to collect from me the fraudulent charges. The XXXX XXXX phone rep stated the account was closed and they were investigating the charges and I would not be charged any additional fees. I received another letter stating the account was closed dated XXXX ( letter attached ). 

On XXXX ( letter attached ) I received another letter stating the fraudulent chargers were being investigated and no payments would be required. 

On XXXX I was shocked to receive another bill from XXXX XXXX with a NEW charge on XXXX and late fees and interest charges. ( statement attached ) How can they charge me all these items for an account that has been closed since XXXX? I feel this is an attempt at XXXX abuse. This matter has caused me tremendous stress and worry.
I looked up the phone number " from ''  XXXX , AZ, ''  XXXX , and saw it was for a company that is in  XXXX  and is a debt collector. They call  us up to 10 times a d ay, and when I answer, there is no answer. When my answering machine answers, there is NEVER a message left. I have no idea why they are calling my home, but my land line phone does n't block calls that I know of. I want them to stop harrassing us immediately as we are both  XXXX  and the calls prevent the little sleep we get and is interfering with our health. They can contact us by letter only.
Capital One closed my new account after I tried to make payments through my bank. On their end, Capital One had my name spelled wrong from my correctly spelled application. When they tried to submit for payment to my bank, which I authorized, it automatically rejected them because of the typo. I informed Capital One of the error and they claimed to have fixed the typo to correctly match my information, so I tried again. The bank rejected it again and when I spoke to representatives, they said Capital One submitted the exact same information and did not correct the typo, so the system automatically rejected them again. But Capital One still closed my account for their error. I tried to resolve this with Capital One and have the account reopened, but was not able to. I continued to pay on the closed account bill even though they were at fault for the error, and have made payments since, except for last month ( bill due XX/XX/2018). Yesterday ( XX/XX/2018 )  they filed with the Credit Bureaus, claiming I am 60 days behind, even though I paid the regular bill for the previous month. And they have tacked on fees bringing my bill back up to the original credited amount of {$300.00} even though I have paid {$200.00} on the bill so far ( I only used the original {$300.00} ).
RECEIVED NOTICE OF SUMMONS & APPEAL TO APPEAR AT XXXX XXXX COURT ON XX/XX/18 AT A RESIDENCE WE HAVE NOT LIVED AT FOR NEARLY 3 YEARS, CALLED DEBT COLLECTOR ASKED TO VERIFY DEBT, WAS TOLD THAT THEY HAD SENT VERIFICATION OF DEBT IN XXXX, RESPONDED THAT I HAD NEVER RECEIVED VERIFICATION OF DEBT, ASKED IF THEY HAD LEFT CONTACT INFO REGARDING DEBT FOR MY WIFE WHOSE DEBT THEY ALLEGE IT IS WAS TOLD THEY HAD NOT ( PHONE CALLS, VOICEMAIL, LETTERS ETC. )
I have been with Capitol One for almost two years now and have never missed a payment. However, I was offered a higher line of credit twice. I started with a {$500.00} credit limit than {$1200.00} and now {$1800.00}. I had a balance of $ XXXX.due XXXX, 2015 of which I paid {$78.00} on XXXX XXXX which left me with a Zero balance owed. Minimum payment was already paid. I also paid {$65.00} XXXX XXXX and {$55.00} XXXX XXXX. ( Interest ). which left me with a CREDIT of {$200.00}. I looked at my account balance last night and from the {$200.00} was as deduction of {$32.00} and that amount? was transferred to my balance owed causing my balance to go back up to {$1600.00} and line of credit reduced to {$160.00} with a INTEREST CHARGE of {$55.00} Due XXXX XXXX, 2015. ( How can Capital One Increase my Balance by taking a payment before it is due and making my balance higher before the DUE DATE? I have not made any purchased since XXXX 2015.ZERO!!!!!
Dept Management Partners ( XXXX XXXX ), called my home several times after I told them not to. After they communicated with me they still called my references upsetting them. I have talked to several of their agents and one in particular told me I did not have any family and friends when I told him not to call them. They also insulted me and harassed me. They told my mother that they were going to send a sheriff over to my home in 20 minutes if I did not make a payment. My mother contacted the local police who told her if anyone came to the house they were be arrested.I have told this company to stop called and they kept on calling me. Me and my family do not deserve to be harassed or talked to like this company did. Once again I offered to make payment arrangements once I started my job in a week and they said they needed a payment right away. I still blame XXXX XXXX.
I am trying to access my account through a third party app on my mobile device, however TD Bank will not allow access. I have called TD Bank 's customer service twice and spoke with a customer service representative and a specialist in Technology Support, both of whom who were unable to assist me in linking my account.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX XXXX Dear XXXX credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX
Ally Bank turned me down for deceased relative ( s ) debts. I owe no debts. Yet, the bank stated in their letter to me that since I have " outstanding debts '' I was turned down for a 1 % online savings account. There is no need to refer this complaint to another agency, I think XXXX is a flawed system for banks to use, and very few do n't use that to check potential banking clients credit, check history.
Upon careful review of my Experian Credit Report I foun d 3 b ankruptcy 's in my file under my name. I have reached out to Experian on numerous occasions and spoken with several representatives from both offshore and in the special handling departments. Experian has failed to VALIDATE these said bankruptcy 's listed in my file. I have made contact with Experian by mailing in certified letters that included a letter from the  Federal Courts in G eorgia stating they DO NOT REPORT ANY INFORMATION TO THE CREDIT AGENCIES. However Experian continues to break the law by reporting inaccurate information in my files.  <P/> Attached you will find my prior compliant to Experian which did not result in any resolution as Experian claimed they were unable to locate my file. You will also find the court document I received after inquiring on their procedures for VALIDATING bankruptcy information.  <P/> Experian has claimed to receive this information from  XXXX   XXXX . I also made contact with  XXXX   XXXX  and received written communication that my file with  XXXX   XXXX  has been suppressed and blocked from anyone attempting to receive third party information since    XXXX   XXXX  . However   Experian has listed on my credit reports that public record information was received on behalf of Vender  XXXX   XXXX , Experian continues to maintain this lie to all consumers. Please see attachment.  <P/> Experian refuses and fails to comply with FCRA and they are storing and reporting information that is inaccurate. This is why I am forced to file a compliant as Experian refuses to listen to the consumer.  <P/> Experian has lied to millions of consumers by stating they have verified public record information with the courts, my attachments from the courts will explain that the courts never communicated with Experian and in fact states that the courts DOES NOT REPORT ANY INFORMATION TO ANY CREDIT REPORTING AGENCY. I am hoping that the CFPB can get involved with this process to help enforce the law and help protect the consumers.  <P/> In addition my file was impacted in a negative manner due to Experian mixing my file with another consumer with the same and similar name. Due to the constant inaccurate reporting I am now filing this compliant.  <P/> Please see all attachments.
Man by the name of " XXXX '' continously calls me. I spoke with him once where he tried to get me to settle a debt from a school loan that was through Key Bank NA. He used tactics such as illegally trying to persuade me that he was speaking to Key Bank as he was speaking to me and was making offers which were absolutely bogus. How could he keep getting different settlement prices when he was speaking on the phone to only me? 

This XXXX guy continued to tell me to " go get loan with a co-signer and pay him '' which is not logical. After he saw I was not budging, he continued to try and set up a monthly payment plan which I was not interested in either. 

XXXX also called my parents house phone and spoke to my father. He does not understand the word " no '' and " stop calling ''. He leaves me voicemails stating that " This is a very serious matter '' and " This is a debt that needs to be taken care right away ''. I feel very threatened and annoyed by this man and this companies scam tactics.
XXXX, XXXX  and Transunion are reporting items on my credit report that are inaccurate and past the statute of limitations. When I have asked to verify and validate the account they only say it's been validated as correct. By law, they have to prove in writing, with the Original creditor that I signed a contact and show proof of such, i.e. a voided check. They are playing stall tactics so they can be paid by debt collectors that have purchased these inaccurate accounts. The are also breaking the law by reporting HIPPA medical accounts that can only be reported by the original creditors. The hard inquiries listed on my report are inaccurate. By law, only if I authorize, can a company run my credit.
Bank of America refuses to honor the Power of Attorney I submitted so that I can manage my Aunt XXXX financial affairs. They refuse to remove an unauthorized {$25.00} annual membership charge by XXXX XXXX XXXX from her {$0.00} balance account and refuse to close the account. If they had closed the account when I asked them too, XXXX XXXX XXXX would not have been able to perform their little money harvesting operation. 
I have called BOA repeatedly. Supposedly, they filed a complaint for me in-house and were going to call me back when someone had a response for me, but nothing ever happened. I got one ridiculous phone call from some poor call center person in a fake executive issues office ( every large corp has these and they are WORTHLESS ) who tried to tell me that I could n't do anything on my Aunt 's behalf. 
XXXX XXXX *My Aunt is XXXX that her Medicare assigned doctor did not test her for when asked to do so. This happened because my Aunt XXXX is " just a Medicare patient '' and this doctor does not treat the patients assigned to her by Medicare. I learned this from a whistleblower in her office. ( A formal complaint has been filed with the XXXX, but they are also a chronically corrupt organization with a 15 year record of failed investigations and legislative oversight boards that accomplish nothing. No wonder people riot XXXX XXXX. 
* * *Anyway, if I remember correctly, there will be a place at the end of this process to attach supporting documents. I have one file to attach with XXXX pages containing the POA and it 's proof of delivery by certified mail, the insulting correspondence from BOA, the last XXXX invoices for the BOA XXXX that I have asked them to close after removing the unauthorized charge. 
* * *I have also been communicating with a gentleman at Aunt XXXX XXXX BOA bank branch. At the commercial banking level, I have been able to function, remove debit cards and manage my Aunt 's checking account. XXXX XXXX has been very helpful thus far, but he was unable to help me with this aspect of BOA 's operation. 
* * *Please do not do what you did last time. Please do not just send all of this to BOA and ask for a response. That does NOT work. BOA is a monolithic organization that is too big to live. It is a nightmare of consumer abuse. The last time the CFPB did this, all I got was a response that was completely unrelated to the issue and nearly impossible to access on the website. Worst of all, the offending organization actually stated in their response that the case was closed. And I never could get anyone at the CFPB, even escalating to the Ombudsman, to follow through and make sure that the problem was solved. 
NOTE : In the drop down below there is no selection for Power of Attorney issues. I have talked to MANY people who are caring for the elderly who have been treated like XXXX by banks and other organizations - but mostly the banks. Please add this to the drop down. 

Please do better this time.