WillisBack/dataset-financial-user-claim huggingface dataset:
I signed an original contract with KHEAA ( Kentucky Higher Education Assistance Authority ) which obviously sold my information to this other company that I never had no original contract with which was XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to XXXX XXXX which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In XX/XX/XXXX-President XXXX   passed XXXX XXXX, XX/XX/XXXX- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10. This law protects the people from damages caused by the Federal & State.
This company has sent documents as a CERTIFIED DOCUMENTS ADDRESSED in MY SON 'S NAME! I believe it is a time-barred debt. The debt was filed on XX/XX/XXXX, the judgement date is XX/XX/XXXX. This debt originated when I used to live in XXXX ( which was years ago ). The issue I have is that my son 's name was typed on a sticker and pasted over my name. My son is only XXXX years old. My check was being garnished. I believe that is part of a step to try to resolve the issue. Also, I do believe about two years ago a statute was passed that debt collectors could not garnish your pay if you lived in certain counties in XXXX. XXXX County being one of them. My concern is that is this even legal?
I sent this company a debt validation letter on XX/XX/XXXX requesting validation for debts they 'd put on my credit report. On XX/XX/XXXX - the company responded with five letters stating that their was an error and the alleged debts would be removed from credit file within 30-45 days. Well, 30-45 days passed and the debts continued to report. So, on XX/XX/XXXX, I decided to send out a reminder to the company that they were had several accounts on my credit report that they 'd assured me would be removed. This letter went ignored. It is now.. XX/XX/XXXX and the accounts are STILL being reported.
My card/account was lock, and according to an email i got was because of unuasual activity and i was asked to call the XXXX #. After i did they dont even know why my account doesnt work and was told that it will be scalated to a diffrent department and it would take 24hr-48hr. That was on XXXX/XXXX/2016 when i frist called, it is now XXXX/XXXX/2016 and when i keep calling they keep telling me the same thing. Not to much urgency in fixing the issue or letting me know what happen.
Account was opened XXXX. High balance of {$780.00}. I mailed a certified letter to the creditor in XXXX XXXX requesting account be validated. I put in a credit dispute in XXXX XXXX, and XXXX XXXX stating inaccuracies in the reporting ; the date of 1st delinquency was in XXXX ; account is too old to be still reporting to the credit bureaus. This account was updated as correct. If account went delinquent in XXXX XXXX, XXXX then the balance should be {$0.00} by now since XXXX XXXX when the acct was opened. However, original late payments are not reflected on credit report, only the last 1st delinquency in XXXX XXXX. Account was left owing {$240.00} but was sold to PRA in XXXX XXXX showing charged off to {$540.00}. I have tried to resolve this issue and request my payment history for XXXX XXXX  from date of account opened in XXXX XXXX. They have refused to provide me payment history and continue to report the account on my credit which is now 9 years old because they do n't want to remove it as stated by law. I have requested the account be removed to no avail. Also, I am currently dealing with PRA for a settlement of an incorrect balance owed and have request the same payment history from PRA.
On XXXX XXXX, 2017 I was alerted of the XXXX breach, when checking their website to see if I was affected. The website stated I was part of the breach. A report states my social security number, name, address, and potentially credit card number is now public.
I have disputed these accounts multiple times with XXXX and Portfolio Recovers. They keep saying they validated. But how can you validate my account with a statement anyone can create. According to federal law they need my contract on file what none of them have. The attachments is what Portfolio recovery has sent me for validation. Sense when does a statement that anyone can create as validation. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.
On XX/XX/XXXX I checked my account as I made two recent large  payments, one of which was canceled upon my request as it was made from the wrong bank account. I had decided to also check my account history for the life of all loans. I noticed " loan sale '' in the list of transactions and I called to inquire about it. The representative suggested I sort the history " by loan '' and I will see that a loan sale is the transfer from one service provider to another and it will not impact my balance. Sorting " by loan '' did show the additional column of " balance '' which helped me understand that my balance had not been impacted by this loan sale transaction. 

Upon further review, I noticed that on 9 different signature student loans, my entire payment being made ( one lump sum payment made and spread across all loans ), 100 % of the payment was going towards interest only from XX/XX/XXXX to XX/XX/XXXX. 

For 6 years, ( a total of 68 payments ) my payments were only being applied to interest. Over that period of time, I paid {$17000.00} in interest only while my principal balance was not impacted. I checked my wife 's account with Sallie Mae/Navient as well as my own Stafford loan I also had through this company and these loans were not treated the same way. 

My Stafford loan payment application was roughly 85 % principal and 15 % interest for the life of the loan. My wife 's loan which is the same loan type as the 9 aforementioned loans of mine, had a payment application of roughly 50 % principal and 50 % interest and had increased to roughly 75 % principal and 25 % interest later on in the life of the loan. 

I was never educated on my loan payment application percentages and I never gave permission for interest only payments for the period of XX/XX/XXXX to XX/XX/XXXX. I never made any changes on or after XX/XX/XXXX to payment application percentages. The company made these changes on their own accord without my knowledge. 

This has caused me to overpay a large amount of interest. With my principal balance not changing for 6 years, the interest on XX/XX/XXXX and after XX/XX/XXXX was based on a much larger principal than it would have otherwise been, had the payments been properly applied to both the principal and interest.
Dear XXXX XXXX Senior Customer Care Specialist U.S. Bank XXXX Customer Service This is XXXX referring about NOT HAVING MY CARD ACTIVATED THOUGH XXXX XXXX EVEN THOUGH FROM EXPERIENCE MY ACCOUNTS NEVER GOT BREACHED BY MY EMAIL BECAUSE MY EMAIL IS SECURE AND ENCRYPTED AND FROM MY EXPERIENCE WALKING IN TO YOUR BRANCH ( US BANK ) I SAW THE MANAGER ACTIVATE HER CARD BY USING A CODE SO WHY ARE YOU LETTING EMPLOYEES ACTIVATE THEIR CARD BY THEM SELF 'S AND NOT LET THE CONSUMERS DO IT TOO THAT MEANS I HAVE TO WAIT ON A SILLY REP TO ANSWER AND ACTIVATE MY CARD FOR ME INSTEAD OF ME ACTIVATING IT MYSELF SINCERELY XXXX XXXX
debt was reported to  XXXX , no prior knowledge of debt.    AMSHER COLL R eported on  XXXX   XXXX ,  XXXX  {$1700.00} Account Details Last Reported  XXXX   XXXX ,  XXXX  Collection Agenc y AMSHER COLL Origi nal Creditor  XXXX   XXXX   XXXX  Status Open Opened Date  XXXX   XXXX ,  XXXX  Closed Date -- Responsibility Individual Balance {$1700.00} High Balance {$1100.00} Remarks Placed for collection
report  XXXX  received  Sat   XXXX / XXXX / 2017  remains incorrect. Some issues rectified others not.  XXXX  shows a negative when account is still in good standing and they CONFIRM balloon included in balance due. They continue to show a North Carolina  XXXX   XXXX   when we have never lived, conducted business or know of any relatives in North Carolina. There is a " State Legislative Fr  eeze '' but no explanation and np mention of the security freeze? Attempts to reach them have come up empty! They do not allow a dispute! Numerous non authorized inquiries and they force you to notify some of them who made the inquiries before processing. They offer a free account but then they state it can not be processed. In my opinion they have serious reporting issues all of which create serious financial hardships and burdens for us as witnessed by the number of complaints posted and closed by you which are still unresolved.
On XX/XX/XXXX, I provided First Collection with a certified letter requesting validation of debt. They removed the collection account from my credit report on XX/XX/XXXX. On XX/XX/XXXX, First Collection reported the account again on my credit report. This has continued since XX/XX/XXXX, First Collection removing the account and re-adding the account without validation.
Good evening, my name is XXXX XXXX and I am a little frustrated, confused, and at my wits end. I am hoping to get some type of resolution to my ongoing issues with Equifax. I am a consumer that consistently monitors my credit report and anytime there is an issue I try my best to contact either the creditor or the credit bureau to rectify the situation. To my avail the credit bureau Equifax has been very reluctant to rectify the fraudulent, unauthorized inquiries that are listed on my credit report. I have disputed until I am blue in the face, I have even submitted a letter from one of the creditors stating that an inquiry is fraudulent and they still refuse to delete it. So I've decided to take it a step further. I have also emailed the CEO of Equifax and still nothing. Hopefully, my complaint will resolve the issues that I continue to have with Equifax. Attached you will find the order of my disputes with Equifax. I am trying to acquire credit and it makes it hard to do so with incorrect information showing on my report. I filed a dispute online on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and nothing has been resolved. The one time I called to dispute the information over the phone, the representative was very rude and hung up on me and I was not pleased. The only thing I'd like is for the issue above to be resolved and DELETED from my credit file. With all of the breaches and such within the company, you would think that they'd be a bit more responsive! Again, I appreciate your assistance is getting this issue resolved! 
The fraudulent inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
In the Spring of XXXX my XXXX was very ill so he executed a Durable Power of Attorney and I went to all the banks he had accounts in his individual name to get them moved into his revocable trust account. All the Bank 's were excellent and timely in approving my Durable Power of Attrorney ( DPOA ) except Santander Bank. XXXX XXXX XXXX and XXXX XXXX XXXX approved the Durable Power of Attorney within 2 weeks. Santander Bank never approved the DPOA and I went to the bank at least XXXX times in person to follow up. Their legal department received the DPOA to approve from the downtown XXXX XXXX in the Spring of XXXX. 

Finally I had to take my Father, who is in Hospice and on oxygen XXXX hours a day and using a wheelchair and a XXXX physically to the XXXX XXXX XXXX Santander  Bank. We went to the drive-thru which I thought would be easier on my XXXX. We were told he has to physically come into the lobby to be on their camera 's to withdraw his money and get a bank check. I know the drive-thru tellers have camera 's on the cars that pull up. I requested the branch XXXX come out to the car to have my XXXX fill in any forms they need and when the check was ready I would do my best to get him into the branch to wave at the cameras. She finally said the check was ready so I got my XXXX 's oxygen and XXXX and we made it into the branch. We still had to stand there more than 20 minutes and the check was not ready by the teller so the branch manager had to get her chair for my XXXX to sit in before he collapsed. He withdrew large amounts from two accounts and the manager said that he had no other accounts with their bank. It turns out that he had a third account with {$37000.00} in it held in his individual name. My XXXX passed away on XX/XX/XXXX and now I have to go to XXXX because of Santander never approving my DPOA and not telling my XXXX that he had a third account in his own name. I really hope you pull the video from that day in XX/XX/XXXX to see how pathetically they treated a person and made it so difficult for someone to get their own money out of the bank. The DPOA should have been approved timely. 
I would like to be reimbursed the approximately {$2000.00} in legal fees going through XXXX will cost. I also want an appology from the XXXX branch as well as the executives at Santander Bank. 
I have copies of the bank checks with the exact date of XX/XX/XXXX at time stampXXXX
I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution.
This is the XXXX form of communication I have given them. I am not even 2 days after the scheduled due date, I make payment arrangements on line and they still call. If I talk with them they threaten me saying the arrangement made on line is not Ok, and that they will take the car. Really? I have paid them over {$21000.00} and am not late. Here is the last e-mail sent to them : I have talked with the reps and sent an email to corporate. I have scheduled a payment on line and I keep getting calls at least XXXX-XXXX x 's a day. If I was not able to schedule the payment at that time the online would of not let me. I am not even 30 dys late! I will pursue this further if this harassment does not stop. I have paid over XXXX of the loan and only owe a few more months worth. I do believe that this harassment is because my loan is almost due and you are trying to repossess the car to make even more money on the sale of it. I am requesting that you stop calling my cell phone for a payment that is not even 30 days late. As of today is it only 10 days. The calls start 2 days after the due date.
On XXXX 2016, XXXX ( a computer online back-up service ) made charges to my account that were not approved. I made contact with Bank of America to file a fraudulent claim against the charges. Bank of America told me to make contact with XXXX and try to resolve the charges before making an official fraud claim with them. I contacted XXXX and told them that the charges that were made to my account were fraudulent and were not valid or approved. XXXX used my Bank of America credit card number that was more than two years expired to make the charges for their services ( again which I never approved ). Somehow, even with a credit card number that was more than two years expired, the charge was approved through Bank of America. 
I then called Bank of America back and explained what had taken place. They told me that the XXXX charges were approved because they were charged against a valid and active credit card account ( which is true ), even though the actual credit card number that was used was more than two years expired, that is why they approved the charges. I wondered to myself how this could happen with a credit card number that was more than two years expired? I never signed up for any reoccurring service plan. 
My problem is that the XXXX charges were not made by me, approved by me and it seems that Bank of America does not seem to find this troubling in any way. This credit card is not in active use, it 's been the 2 years since I 've used it, for XXXX. This should have been a red flag that this is not a regular occurance. Banks moitor cards all the time for irregular use. 
What happened to actual credit card fraud and trying to find ways of of stopping it from happening in the first place? I thought ( forgive me for being ignorant ) that if and when a credit card number becomes expired, it means that the number no longer works and the merchant would have to pursue the customer for updated information. However, if Bank of America is approving these fraudulent charges and making the " approvals on behalf of the card holder '' based on a more than two year expired card, what kind of security and consumer rights are in place? Better yet, if they are making the approvals for the card holder when an expired card is used, why should the card holder be responsible for the charges?
TCPA Violation- Multi calls, XXXX with voicemail left, from an automated caller. ( AMSHER COLLECTION SERVICES INC ). 
Copies of these voicemails are available.
Westlake Financial is not reporting the correct payment amounts that are being made monthly. I 'm currently making over { $600.00} a month payments and only receiving {$35.00} a month and credit on all  XXXX  credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit burea us and West Lake financial would not do  anything to correct this issue.
My issue was well explained in my complaint report along with supporting documents attached that was first addressed to the Federal Trade Commission and later was referred to your office on XX/XX/XXXX which now have an assigned Case Ref. No. XXXX ( XXXX XXXX XXXX ). 
The result ( s ) of that investigation did not seem to fix the problem as relayed by a cfpb representative thru telephone on XX/XX/XXXX because of a reply stating thereon that the derogatory report on my credit record will remain until after 7 years. A hard copy of that result will be mailed for my reference and record but unfortunately, that copy hasn't been received to this date for my official response. 
In this connection, I would like to request the Consumer Financial Protection Bureau to please go over with the attachments, specifically on the matter about payments made for on my behalf by XXXX ( XXXX XXXX XXXX XXXX XXXX ), a Debt Consolidation company that showed XXXX XXXX XXXX or XXXX/XXXX  had been receiving regular payments without let up since from XX/XX/XXXX till XX/XX/XXXX, and therefore, Charge-Off report by the said creditor is off the question. 
A Charge-Off account means a declaration by a creditor ( usually a credit card account ) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors will make this declaration at the point of 6 months without payment. Based on this statement, does it apply to my case? 
In this regard, XXXX XXXX XXXX/XXXX/XXXX has committed unfair, deceptive, or abusive acts or practices that have greatly impacted my credibility.
CREDIT PROTECTION XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX I have contacted both Credit Protection and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. I have never done business with Credit Protection. Further more Credit Protection is not License or bonded in the State of Illinois to do business a Collection Agency. PLEASE SEE ATTACHMENTS. 

The last communication was the following letter. To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$240.00} with XXXX and {$140.00} XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of  the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be  detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Abusive, disrespectful, demeaning statements were made. I asked how we could settle the debt and the person stated, " what are you going to do - avoid us like the other 24 debts you have? ''
On XXXX XXXX, 2015 I transacted with an organization known as XXXX XXXX. I chose the Paypal payment option, having held an account with them previously. After the transaction, I experienced significant difficulty navigating a third party website XXXX which was unknowingly required to use the vendor 's software. Based on this difficulty, within 15 minutes I intended to cancel the transaction and pursue it through other payment methods via the XXXX website. Paypal informed me this was not possible and something I needed to coordinate with the vendor. I instructed Paypal in XXXX directions : 1 ) cancel the transaction, 2 ) cancel my account. They informed me only option XXXX was available and that by doing so, I would be unable to dispute future charges. I informed them that that was practice was not appropriate and proceeded to close my account.
Several of my mortgage payments have been mis-allocated when received by the mortgage company, resulting in a claim by the bank that I have missed payments and resulting in negative information being reported on my credit report. I previously filed a complaint, and the company responded that they were able to find two mis-allocated payments but were still missing the XX/XX/2018 payment. The bank claimed that they attempted to reach out to me to resolve, but I have received no written response from the lender, and had previously blocked their phone number due to harassing phone calls I received regarding missing payments that I had in fact paid.