WillisBack/dataset-financial-user-claim huggingface dataset:
I am asking the CFPB to review the chain of responses that Receivables Management has given concerning this issue and review my complaint of their violation of the FDCPA. They have continued to violate the FCRA and FDCPA. Please review my attachment and then audit and investigate the operational process of this company as they have refused to adhere to the FDCPA laws as they continue to attempt to collect a debt i do not owe after FDCPA violations. 

In the confirmation letter stating they had received my dispute and that they were placing the account in dispute status while the wait on information from the supposed original creditor. Now this agency despite claiming to put the account in a dispute status continued to update my credit file without providing any validation of debt ( Violation of both FCRA and FDCPA ). Secondly at the bottom of their Confirmation Letter to me they had the statement " This is an Attempt to collect a debt '' ( a violation of the FCRA and FDCPA ), Once an account is in dispute a collection agency is to cease collection activities. Please review attachment carefully. By law, this agency is to delete this account from my credit file immediately. If not deleted they are liable to all penalties of FDCPA violations and legal actions from myself and the CFPB.
XXXX, working with and through Experian, is the parent company for XXXX whom I am making my complaint against. XXXX offers a 7-day trial for {$1.00} in which you can view all three credit scores from XXXX, Experian and XXXX. I signed up for trial on XX/XX/XXXX and was required to input my credit card information so if I wanted to continue with the trial my card would be automatically charged {$29.00}. If I did not want to continue after the trial, I was to cancel before the trial ended, which in my case would have been XX/XX/XXXX. I do not want to continue my trial, so I called the number listed on XXXX website at XXXX. XXXX does not offer any other way to cancel the trial. It has to be through this number. I called on XX/XX/XXXX, XX/XX/XXXX all day off and on, only to be put on hold for over 2-3 hours each time from their listed hours of XX/XX/XXXX. toXX/XX/XXXX listening to elevator music, only for the music to stop after holding for two hours and forty minutes and no one answers the phone, which forced me to continue this cycle. Today is Saturday, XX/XX/XXXX, creditchecktotal.com hours are XXXX XXXX until XXXX XXXX I called at exactly XXXX XXXX for the cycle to continue. Not only is this horrible customer service, but it leads me to believe, by me not being able to cancel the trial, they will intentionally charge my card.
I use XXXX XXXX XXXX XXXX pay card for my payroll check and around XX/XX/2018 started seeing unauthorized transactions appear I filed a dispute and cancelled my card and a new card came in the mail and I still saw charges popping up from the same place in the meantime my dispute was denied even though I was within all of the guidelines and time parameters specified by law and XXXX XXXX XXXX policy I sent letters of dispute they didn't receive and sent them back to me I filed emails to the dispute Department only to learn that my dispute had been denied for inconsistent information there is no inconsistent information because I used the information directly from my account online and put the dates the description of the air and the amounts that were totaling over {$700.00} they say I have to appeal but the appeal process can take 45 to 90 days. When I tried to talk to the dispute department they say that there's no way to contact them.
I am a full-time student. I asked my mother to help me figure out how to manage my student loans. She helped me file for consolidation and deferment through XXXX. When she called Navient to inquire about how to ensure they had current information and what options I had to get current, after waiting on hold for over XXXX minutes and having to call again, she was told that she had to pay MY back balance by Monday, XXXX XXXX or they were going to default my loan. That was stressed as the only option. When she asked for copies of the promissory notes to be sent by email, she was told that they " had to do that now that she asked for them '' but it had to go through the legal department and would not be in time for the XXXX XXXX deadline that he set. I am not sure that any information they gave me is correct as far as how to manage this debt as a full-time student with obviously limited income.
XX/XX/XXXX I disputed {$2500.00} in charges from XXXX XXXX. to Capital One. 
XX/XX/XXXX I called them and they said they were working on it. 
XX/XX/XXXX Called again. Got the same answer. 
XX/XX/XXXX Called again. Got the same answer. 
XX/XX/XXXX paid off the account and closed it. 
XX/XX/XXXX they put {$2500.00} credit on my closed account and never informed me. They sent a check that my wife thought was the XXXX settlement. She paid off another Credit card. 
Now they are sending me statements for the XXXX at 25 % interest. I've asked them to work with me by at least lowering the rate. They say they can't. I don't think they should be allowed to put funds into a closed credit card account. 
Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT.XXXX  I don't have that credit card anymore. I know it ends with the # XXXX.
Repeated calls each week at all hours with message left. This has been going on for multiple years. Occasionally then send letter claiming outstanding ticket for 2006 for {$720.00}.
Hi I have a a direct deposit comerica bank card which I withdraw my fathers benifit money every month which is XXXX monthly.But on XX/XX/2017 I went to the ATM at XXXX to withdraw a XXXX all of a sudden the machine stops and no money comes out just a receipt saying the full amount which is XXXX.So the next day. I go out the window to withdraw he money they told me my card is declined. So I go to the ATM and I only see I Have XXXX dollars left in the card. I call the the bank I explained my problem and they told me to wait for a claim form it 's been a week no form came. I call again and they tell me to write a complaint letter. I confused I do n't know wats going on my father needs his benefit money back to proceed with his life with it which is XXXX please help us as soon as possible.
On XXXX XXXX, XXXX Wells Fargo Bank , N.A . foreclosed on a home based on a XXXX reverse mortgage, and the borrower being deceased as of XXXX. However, the home was placed in a living trust as of XXXX, and the mortgagee did not have authority to remove the home from the trust. On XXXX XXXX, XXXX the beneficiary of the trust contacted Wells Fargo to inform them that the home was placed in an irrevocable trust in XXXX, and Wells Fargo responded that the loan did not originate under a Trust Agreement. Well Fargo is intentionally disregarding the creation and continued existence of the XXXX trust agreement, as they know the trust invalidates their reverse mortgage and the debt. Regardless of whether the loan was originated under the trust agreement, the trust agreement preceded the reverse mortgage 's origination. It came into existence in XXXX as an irrevocable trust, continues to exist and can not be dissolved. Wells Fargo admits that the trust prevents the loan from meeting FHA Investor guidelines and XXXX XXXX XXXX XXXX. Yet, Wells Fargo continues to attempt to collect an invalid debt.
I was contacted at my new place of employment, but was busy at the time. My coworker took a message. The name XXXX was left and a number. My coworker asked if it was a business call or personal call because we can not accept personal calls while at work. XXXX said it was business. Im a branch Manager, but didnt get around to returning XXXX call. The next day I was out of work, and XXXX called. My coworker told XXXX I wasnt there. XXXX asked to speak to the manager, and my coworker explained that I wasnt in. XXXX then began harassing my coworker for more information as to contact numbers within the company that my coworker doesnt have access to being I am the branch manager and those needs are handled through me. XXXX also explained she needed to speak with me and left the name of her company. This was not only embarrassing, but hurtful to my employment being I work in money services and have had the same debt collector call consecutive days. My cell phone is not out of service, and my voicemail is set up and not full. I have been reprimanded at work for not only having personal calls come through, which XXXX was deceptive about on day one, but for having my coworker feel harassed on her job.
On Wednesday, XX/XX/XXXX, I received a phone call from Capital Management on behalf of another third party, XXXX XXXX XXXX, for a company called XXXX XXXX XXXX. I informed the caller I have no idea what this company is nor did I ever have an account with them. I then received a letter in the mail stating that Capital Management has been engaged by XXXX XXXX XXXX on behalf of XXXX XXXX. Again, I have never applied for credit or have any knowledge of this account.
Back in XXXX ERC stated that I owed original creditor XXXX XXXX XXXX equipment fee of {$100.00}, they posted it negative to credit bureau 's. I disputed this and proved to the credit bureau 's that I paid the account in full, so ERC agreed to take the negative report off, I also told ERC not to contact me back in XXXX. 
Now ERC Has called called me twice in 2 weeks and sent me a collection letter for the same account from XXXX XXXX XXXX recently. 

I called XXXX XXXX XXXX ( now called XXXX ) and spoke to XXXX XXXX ID ; XXXX on XXXX XXXX XXXX, she verified that I paid this in full on XXXX XXXX XXXX account # last four : XXXX. 

ERC keeps on contacting me on this settled account please help me with this or inform me on how to take further legal action against this company. 

I very frustrated with dealing with this every couple of years.
Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for two years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.
Equifax & XXXX  are delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax & XXXX have failed the to respond within the 30-days outlined by the FCRA. The items I initially disputed should be removed from my credit report. Please investigate my concerns ...
I was contacted by ADR XXXX XXXX ( sp? ) on XXXX/XXXX/XXXX, regarding an online payday loan that they say i owe for, through a company called XXXX XXXX XXXX. 

XXXX XXXX XXXX has been trying to collect on a payday loan I did not authorize from XXXX or XXXX. 

I had a rash of online payday loans, XXXX total, that were laudered through my previous bank account. After my bank did their own investigation, they determined that there were XXXX loans deposited into my account over the span of 6 days, only to be withdrawn within 30 to 45 minutes of each deposit clearing. My bank was unable to determine how the deposits were withdrawn as there was no further electronic information. 

Due to my bank not being able to track where the deposits were moved to, my local authorities told me I did n't have sufficient information to file a police report for fraud and they recommended I shut down the account and move to another bank to avoid any further financial difficulties. 

ADR XXXX XXXX is apparently the collection agency for this debt and have informed me that I am to be served with paperwork at my residence or work place. I have yet to see anyone show up at either location to serve me with anythng.
On X/X/2017 I submitted a complaint about a charge on my card totaling $ XXXX and amex responded that they are not willing to give me the bonus points for signing up for the card. However they also said they are not willing to refund the $ XXXX debited to my card for amex travel being that these flight were already takes. THIS IS 100 % NOT TRUE. the $ XXXX for flights booked with amex travel on XX/XX/XXXX were cancelled by the fraud prevention team and we never took those flights. Just lookup the PNR confirmation number. We are therefore are still owed the $ XXXX on the card XXXX2017* AMEX TRAVEL PURCHASE WITH MR POINTS {$22000.00} Doing business as : XXXX XXXX XXXX XXXX Reference : XXXX Category : Other - Miscellaneous
In XX/XX/2018 after verifying my credit report, I noticed that XXXX XXXX sold a debt of {$120.00} that I owed debt as a new debt to Waypoint Resource Group. Mind you, the debt was already two years old. So in XXXX, I contacted the debt collector and asked a routing question, if they settle on small balances as well. The young lady said they would accept {$87.00} as a full payment and solved the account if I paid the same day. 

I requested a letter and receipt stating so, I never received it. So today I checked my account only to find that they report the account as " Settled - less than full balance '' which is not the terms agreed upon.
There was an unauthorized charge on my checking account and my financial institution authorized it and said that it was my financial responsibility.
I have a couple of credit cards with XXXX for several years. And, has another XXXX with XXXX For 3 consecutive months I noticed that from my XXXX checking account was withdrawn {$220.00} for XXXX/XXXX/2016, {$220.00} in XXXX/XXXX/2016 and {$220.00} in XXXX/XXXX/2016. 
The above withdrawals was described as " External withdrawl XXXX XXXX XXXX Ext trnsfer ''. After contacting XXXX, I was informed that the XXXX ( XXXX ) withdrawals was by United Recovery System ( URS ) with XXXX phone no. 
I feel that my consumer rights are violated by URS by electronically withdrawing my money with out prior notice. And, my XXXX checking account was penalized with overdraft and other fees. 
The URS in other words financial stole/hacked my account since the are able to discover my XXXX account with authorization. 
I trust the CFPB will look into this matter and am thankful for the protection CFPB has delivered to the victimized public like me a XXXX year old retired senior citizen living on social security pension and still raising a family. 
Respectfully yours, XXXX XXXX XXXX XXXX
I had dealt with the issue on my credit report last year which was with XXXX. I had Lost my home into foreclosure in XXXX ; due to failed, XXXX. ( Which was all cause from an auto accident in XXXX ; a driver that was texting that hit me from behind! ) I 'm now on social security XXXX. I had to get the XXXX mortgage with XXXX, released before I was able to close on my home. So this was taken care of as of last year, closed XXXX XXXX, XXXX. I received in the mail a letter XXXX, from XXXX XXXX XXXX Acct. XXXX this letter in ref. to property, my old address.
I have been a victim of identity theft. I am a single mother who is also an XXXX. 
This damage to my life has caused my little XXXX XXXX   additional damage. 
I have filed a police report and used your Federal Trade Commission affidavit. 
I feel all alone here. 
These companies like Trans Union, XXXX  and XXXX are reporting things against me they can not substantiate. 
What can I do?
My escrow charges are excessive. The yearly tax bill is only XXXX on my house. The bank in error is charging me XXXX for the escrow portion of my payment. I am XXXX and on a fixed income. I have sent qualified written requests to the bank to resolve this matter and nothing has been resolved.
XXXX, XXXX are still reporting outdated incorrect information regarding Santander Consumer USA. I do hot have a balance with Santander Consumer USA of any kind. The balance should be XXXX. Santander has not reported any updates since XX/XX/2014. This information needs to be fix to show my balance as XXXX or remove from my reports.
The original case number was reported in XX/XX/2017, stating that my wife and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX XXXX XXXX. XXXX GA, XXXX. XXXX XXXX and XXXX XXXX XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.
Capital one opened up this new credit card in my name and ever since I put in XXXX fraud claim they close this account with no warrant or no issue I had put in a dispute for not receiving goods and they called them a credit line and a hold me responsible for a balance that I agree is mine but shut my whole car down they are repercussion on me because I reported XXXX cars that were not mine and now they shut this car down which I never reported was not mine this account is not fraudulent like the other XXXX by capital one is a terrible company and I will contact my attorney to see why they shut my card down that I support my XXXX-year-old grandmother on for her medication capital one are thieves that just shut your car down without notice I should n't have to pay for goods that I never received I want this investigated to the highest level
I recorded a phone call that has just concluded and the woman from Navient notified me they would be putting a lien on a property that is not mine and will be siezed to collect on a student loan debt that was taken out over 5 years ago. They have been calling from the hours XXXX, even after numerous conversations I 've had with them after becoming a stay at home mother and full time student. At this time I have no income to pay this loan payment and now I 'm being threatened to be litigated? Absurd.
I was struggling in my youth and forced to allow my student loan to go into default status. One day I received a phone call that allowed me to get my loan out of default status with income base repayment options. I was told that all the fee 's would be removed from my account upon completion of the payment agreement.

**First Issue** However, after my loan became in active status, I noticed that I was being charged all the interest which had accrued from the time my loan defaulted to present. I have payed on my interest for several years and it was all going towards back interest from within that period.

**Second Issue** I have made at least three request for an unofficial ammortization schedule for peace of mind. I needed to understand how this institution were able to determine my payment amount when all my payments were being applied towards back interest. This financial institution ( XXXX ) denied every single request to provide me with a letter of ammortization for the loan. 

**Third Issue** After reviewing my account today I noticed that all the interest previously on my account has now been capitalized and applied as principal on the loan.I thought that legally interest had to remain seperate in order to prevent interest accruing over interest. Especially since I have made all my payments as scheduled according to the lenders terms. 

**Conclusion** I believe that XXXX needs to be investigated for attempts on misapplying my student loan repayment and the initial loan documents/terms needs to be evaluated.
Contacted Transunion on numerous occasions about inquiries accessed on my credit file without my consent. Was told by a transunion representative that companies have the eight to view my report as wanted without my consent. The inquiries in question are XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX as well as XXXX XXXX on XX/XX/XXXX. Asking for immediate removal of inquiries asap. No I have no contracts or binding business with any of the inquiring companies nor did I approve access.
US Bank has charged unauthorized charges back to an account they closed. 
They are not legitimate and continue piling on unathorized charges to a closed account to fraudulently increased the amount owed on this account. 
All i want is a truthful balance so it can be paid off and I can be rid of this terrible Bank but they keep cheating denying due process on disputes that were open before the closure. 
This arbitrary process of charging a closed account and accunumlating fraudulent interest on top of it must stop now.
My vehicle leased with GM financial was totaled on XXXX/XXXX/15. After working with other parties ' insurance company, a payoff amount was established and a request for title began XXXX/XXXX/15 with GM financial. As of today, no copy of the title has been released so that the insurance company can send check to GM Financial. I have personally pursued this issue with the title dept, total loss, and collection depts in order to have this issue rectified with no resolve. In the meantime, the insurance company is waiting on a title, and I am being pursued for payment -- I am being called everyday to submit payment for a vehicle that GM Financial knows has been totalled.
First of all, the loan was supposedly denied until they put me on my fiances loan. I was not working at the time so can not imagine how it would have helped. He later was unable to work for a period of time and got behind on the payments. After repeated attempts to get lower payments or to refinance the vehicle was reposessed. NOw it is killing our credit. I now work at a financial institution and in our training we have ecoa trainings I should never have been put on the loan as I was unable to pay for it. what can I do?
This is not a valid bill. The hospital was given my insurance information and they have never contacted the insurance holder of any balances due.
Equifax has negative reports/claims on my credit report. The negative claim is for my son, whom is over XXXX XXXX XXXX, in fact he is XXXX XXXX XXXX. The negative reports is for medical expenses. I have contacted both Equifax and the collection agency, and neither have resolved this issue.
Citibank has closed my account and has not release my funds. My account was closed since XX/XX/XXXX, to date, it is XX/XX/XXXX. I have previously filed a complaint with CFPB regarding this issue however Citibank has not rectified the problem.
This debt is in regards to my XXXX vehicle insurance and assigned to a collection agency. On XXXX/XXXX/XXXX my vehicle was recovered by the lender because I was no longer in a financial position to pay as I lost my job around XXXX of XXXX and I began to receive unemployment benefits. I called XXXX to cancel my insurance policy and remove me from the recurring payment system but it seems that they failed to do so. I also moved from the home XXXX had on file. My home address was never updated either even though I called a local XXXX office to make them aware of a change of address. Recently I started to receive all the mail that was being returned to XXXX. If they would have updated my address I probably would n't owe the amount the collection agency is attempting to collect. The collection agency is attempting to collect a debt that is not valid. My XXXX XXXX XXXXXXXX XXXX was no longer in my possession, therefore, I did not need coverage. I made XXXX aware of my vehicle being taken away from me and requested to remove this vehicle from my policy. According to XXXX I am being charged all the way to XXXX XXXX XXXX but my vehicle was taken XX/XX/XXXX. I should not have to be responsible for insurance coverage on the XXXX XXXX XXXX. I need assistance resolving this matter with the collection agency.