WillisBack/dataset-financial-user-claim huggingface dataset:
Due to job loss, we fell behind on our credit card payment to  XXXX   XXXX   XXXX   XXXX    (  "  XXXX  '' ), which then  caused Weltman, Weinberg & Reis " WWR '' ), a c ollections law firm to begin to call us and send us letters. We have attached a few of these letters, which implied were coming from an attorney, but really were not. We agreed finally to try to make some payments, and were told by WWR that we would have nothing bad on our credit rep  ort. WWR lied to us, as they put a judgement on our credit reports.
We read that the CFPB last week filed a lawsuit against WWR for fraud and deception ; which is one of the reasons that we are filing this complaint.
After we found out abou  t the judgement, we then discovered that   XXXX   XXXX   XXXX   was not licensed nor registered to do business in  XXXX , and thus did not have any access to the Indiana courts to file a judgement. Despite the lack of legal standing, WWR did it anyway. This seems to be an unfair, abusive, and deceptive business practice by WWR.     When we  told WWR a nd  XXXX  that they had done some bad things, and were violating numerous consumer protection laws, they merely sold our account to   XXXX   XXXX    XXXX   XXXX   ( "   XXXX    XXXX   ''  ).   XXXX    XXXX   has done nothing to correct this problem, as the employees of  XXXX  are still servicing the account, and rely on WWR for legal advise. So they continue to cover this up, and have done so for many years now.     Now that the CFPB has taken action ag ainst WWR, this would be a good time for the CFPB to investigate this matter, and take appropriate action against WWR, Targ et, and   XXXX   XXXX  .
The balance of my student loan has been paid from XXXX of 2012 to XXXX 2015 of a total of {$23000.00}. 

In XXXX and XXXX of 2015 the payments were late and shows on my credit score.
I am disputing a collection from agen cy Collecto , Inc. / EOS CAA concerning a purchased debt from original creditor,  XXXX , Ac count Number  XXXX  on the illegal and purposeful re-aging of a recently purchased debt.
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Also, the collection agency EOS CAA also as not notified me in writing of the claim that a debt is owed or allowed me to dispute this debt in writing.
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Basis for the dispute : The debt collector Collecto , Inc. / EOS CAA is not reporting a date of first delinquency to the credit bureaus and the estimated month and year the item will be removed is different from the original creditor. The dates must be the same date of first delinquency. Any different date constitutes illegal re-aging.
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The original creditor,  XXXX , recently sold the debt during the 30 day dispute window in   XXXX   XXXX   as they could not validate the debt. I disputed the debt through the credit bureasu and the item was removed. However the new debt owner, Collecto, Inc.has submitted a new claim on my report.
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The Original creditor sold the debt to debt purchasers and collection agency Collecto , Inc. / EOS CAA. The Collection Agency Collecto , Inc. / EOS CAA is not reporting a DOFD ( date of first delinquency ) on my report. The DOFD is the date the account became 30 days late and no other payments were made.
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Regardless of how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change and must be listed on credit reports. Collecto, Inc. / EOS CAA has not listed this information and updates each credit bureaus weekly with new dates, continuing this illegal act I can provide reports and screen shots of clear FCRA violations in attachments of the original creditors reporting and the new collection agencies. Collecto, Inc. / EOS CAA states this debt will stay on my credit report until  XXXX . The Original Creditor states this debt will come off of my credit report in  XXXX .
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This agency is in breach of several CRA reporting guidelines as well as US law and I would like the item removed from my report.
I have a furniture loan with Wells Fargo. I make all my payments on line. On XX/XX/XXXX, I went on to the Wells Fargo website to check my balance and seen a payment was due ( by XX/XX/XXXX ). I made a XXXX payment thinking everything was good and the payment due by XX/XX/XXXX was taken care of. Was I wrong. On XX/XX/XXXX, I just randomly went on Wells Fargo website and checked my balance again only to find my XX/XX/XXXX payment was over due and a late fee was charged to my account. The payment I made on XX/XX/XXXX went on the previous months billing cycle. I called Wells Fargo on XX/XX/XXXX and they told me I made the payment to early yet it showed payment due. They said I should of waited till the next day to make the payment allowing the billing cycle to complete itself. How would I know that? I sent them an email with no response and they said they would refund the late fee but they still have n't. Its been over a week. I am primarly concerned with my credit report. My report is flawless. I have never had a late payment in my life. Can you help me? There number is XXXX Account number is last 4 ( XXXX )
I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX XXXX XXXX XXXX.. They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX TODAYS DATE:XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an REinvestigation into XXXX XXXX  XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Ban Inquiry from XX/XX/XXXX All Banks XXXX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX/XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX
The First National Bank of Omaha card agreement requires me and the bank to resolve all disputes through only the XXXX XXXX XXXX ( " XXXX '' ). 

A dispute arose between me and the bank. I filed a case with XXXX. 

XXXX sent me the attached letter, declining to administer the case because First National Bank of Omaha has a history of failing to pay XXXX. 

As of today, First National Bank of Omaha continues to list arbitration through XXXX in their card agreement. Clearly, they have no intention of arbitrating when a dispute arises.
On XX/XX/XXXX, I mailed a USAA Convenience Check in the amount of {$1800.00} to XXXX XXXX XXXX to pay my outstanding balance with XXXX. The terms of the financing by USAA stated that the check needed to post by XX/XX/XXXX. 

I called USAA on or around XX/XX/XXXX to discuss options if the check did not post by XX/XX/XXXX. I was told that a stop payment could not be issued. I asked if my best option, then, was to submit an electronic payment. I also asked if the check, if it were processed after the XX/XX/XXXX cutoff date, would be rejected and left unprocessed. I received affirmative responses to both questions. Given this information, which proved to be false, I filed a second transfer on USAA 's website. 

The electronically-initiated transfer posted on XX/XX/XXXX.

The check transfer posted on XX/XX/XXXX, despite being told by a USAA CSR that the check would not be processed. This resulted in two charges of {$55.00}. I feel that one of those charges is invalid, due to being misled by the USAA CSR.
XX/XX/2018 I got a copy of credit report and late charges were reported on a student loan that was in forbearance. I wrote the credit bureaus and also MASSACHUSETTS EDUCATION XXXX XXXX XXXX. As a result, not only was late charges removed but the entire account was closed XX/XX/2018. Suddenly, it appears on credit report again, this time saying that I am ninety ( 90 ) days late. There is something wrong. Who protects the consumer? My son who is in the XXXX  send all the necessary papers for the forbearance and it was approved.
My request for a loan assumption was denied due insufficient assets. 
I provided documentation that provided proof on reserves that exceeded the 8 month reserve criteria for investment property during my initial application. 
Over the 7 months I continued to provide proof of reserves. 
on XX/XX/2016 I provided proof of reserves from my bank and was told that the underwriter would not accept my documentation.
I have requested the collection agency to provide me validation of the debt or information to show that they can collect on this debt. They have failed to provide me a copy of the lease or anything showing the amount and how it got to that amount that they are saying I owe. I requested validation on XX/XX/XXXX,  XX/XX/XXXX and I have received no information. I attempted to contact the office both times there representative would only discuss how i would be paying the balance of XXXX by credit card or check.
This company is refusing to update my account as paid in full and a XXXX balance to my 3 credit reports. This account is paid
We are asking the FTC to force J.P.Morgan Chase to Quiet title on our home or recind the loan. Our loan in XXXX originated with XXXX Mortgage to XXXX XXXX XXXX structured asset mortgage Investment XXXX. pass through certificate series XXXX XXXX XXXX. XXXX while servicing our loan, committed many FTC and Tila violation, such as those found in XXXX District Court XXXX, FTC XXXX XXXX XXXX XXXX civil XXXX. XXXX 's violations extend into how our loan was transfered or sold into the trust. We have ask for equitable relief from Chase only to be completly ignored. Our loan was discharged in a BK XXXX in XXXX. Neither XXXX Chase or XXXX Mortgage perfected the lien. In XXXX Chase through Mers and blank grantors, transfered it to XXXX XXXX, who is now tying to foreclose. Please help force J.P. Morgan Chase into complying with the relief granted by the court. Thank You.
To whom it may concern We are sending this letter after speaking to one of your representatives and she advanced us to do so. 
You guys increased our mortgage payment without communicating with us! We found out through our credit score tracker. We have been paying our mortgage on time every time. However we had no idea that you guys had increased it. Please take this inquiry out of our credit as it has affected us very much. If you see our payment history you will see that we have never missed a payment. 
We have never received any phone call, email or a letter indicating this increase. 



Sincerely XXXX, XXXX XXXX
HELLO IN XX/XX/XXXX I LOST MY WALLET AND IT HAD ALL MY PERSONAL INFORMATION STOLEN. IM STILL TO THIS DAY SEE CREDIT CARDS POP UP IN MY NAME AND I DONT KNOW HOW. I REPORTED THIS PROBLEM TO ALL THE CREDIT BUREAUS NOTHING. THE ACCOUNT SAYS IT IS CLOSED BUT YET IT REMAINS ON MY CREDIT REPORT WHICH IS AFFECTING MY LIFE. I CANT GET A CREDIT CARDS, LOANS A CAR A HOUSE AND IM TRYING TO BUILD MY CREDIT. IT WAS IN THE AMOUNT OF XXXX   FOR XXXX XXXX IN XX/XX/XXXX AND THAT WAS THE LIMIT. IT SAID IT WAS CHARGED IN XX/XX/XXXX .IVE BEEN IN CALIFORNIA FOR THE PAST 5 YEARS. THEY SAID THEY WOULD REMOVE IT AND IT JUST SAYS CLOSED ACCOUNT ON MY CREDIT REPORT. ALSO XXXX XXXX   I LOOKED THEM UP I GUESS THIS PERSON TOOK A LOAN OUT FOR XXXX IN KS.ALSOXX/XX/XXXX FOR XXXX XXXX NOT SURE WHAT THAT IS BUT ITS IN THE AMOUNT OF XXXX ALSO XXXX XXXX IN THE AMOUNT OF XXXX. PLEASE IM JUST TRYING TO GET THIS ALL RESOLVED SO I CAN MOVE FORWARD WITH MY LIFE. I HAVE A DAUGHTER ON THE WAY AND JUST GOT ENGAGED. PLEASE HELP
Since XX/XX/XXXX this company has attempted to collect a debt of {$85.00} for an XXXX XXXX XXXX bill five times a day, every day starting from 8am to 8pm. I have tried talking to them, I have put XXXX XXXX XXXX representative on the phone with them and had XXXX XXXX XXXX confirm that I did not owe them any money as my bill is automatically withdrawn and always on time. I have blocked dozens of different phone numbers of them attempting to collect.
OnXX/XX/XXXX I pulled my credit report and noticed that Central States is reporting and trying to collect on several accounts which they state were opened on various dates, to-wit : XX/XX/XXXX for {$670.00} ; XX/XX/XXXX for {$500.00} ; XX/XX/XXXX, for {$480.00} ;XX/XX/XXXX, for {$610.00} ;XX/XX/XXXX for {$370.00} ; XX/XX/XXXX, for {$250.00} ; XX/XX/XXXXfor {$250.00} ; XX/XX/XXXX, for {$82.00} ;XX/XX/XXXX for {$82.00} ;XX/XX/XXXX, for {$87.00} XX/XX/XXXX for {$670.00} ; and,XX/XX/XXXX, for {$1300.00}.

Please note that I have never entered into a contract with Central States. In addition, pursuant to Kansas Statutes, more specifically, Statute Number : 60-512, the statute of limitations of 3 years has passed on collections of this type of account.

On XX/XX/XXXX, I wrote to Central States indicating that I disputed the alleged accounts and that the Statue of Limitation had run. They received my letters on XX/XX/XXXX, at XXXX XXXX. Today,XX/XX/XXXX, I pulled my credit report, and they are still reporting and trying to collect on the alleged accounts.
I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of domestic violence and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.
I had wired {$50000.00} into Coinbase and followed all of their instructions. Everything was done correctly. I have confirmed with my bank as well as with Coinbase 's bank that the wire went through correctly. Both banks have confirmed. 18 Days later our Coinbase account has NOT been credited. We have contacted their support numerous times. They do not answer support requests at all. We have called them twice only to get the runaround. The last time we called we were told a special would be looking into our situation. Again, no responses. CASE # XXXX
XXXX  from national credit adjusters contact my employer and asking for my managers name.I spoke to a gentlemen name   XXXX   at national credit adjusters acct number  XXXX . I did tell them they can not contact me at work and i had already told them before. Still they did call me to my employer. as i was speaking to  XXXX  i did explain to him what i knew about not been contact at my employer. he then said i was uninformed and they could contact my employer anytime. i said i was hanging up and i would take care of the matter in a later time when i could and not to contact me again unless is by paper.
XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Mail Order Firms XXXX XXXX  Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXXXX/XX/XXXX - Automobile Dealers, Old This inquiry could stay on your report until XX/XX/XXXX. 

I DO NOT RECOGNIZE THESE INQUIRIES NOR DID I GIVE ANYONE ELSE PERMISSION TO REVIEW MY CREDIT REPORT ... EQUIFAX IS NOT LISTENING TO ME AND THE CREDITOR ADVISE TO DISPUTE SINCE THEY DID NOT RUN MY CREDIT BUT SOMEONE DID AND I DO N'T RECALL ANYONE ASKING OR OBTAINING MY PERMISSION ...
My complaint is with First National Bank. I have had a mortgage with this bank since XXXX 2015. There is no way for a customer to access their escrow account or see any escrow activity. I now have received a tax bill for {$4300.00}. FBN should pay this from my escrow account. I called and they explained it was never set up, that they will do this. I faxed them all the documentation and they told me they would set it up, pay and follow up with me. 8 days later, no follow up. I call FNB again. They explain they can not find my paperwork - to please resend. It is just very frustrating because I, as a customer, have no way to view my account and see what is going in and what is being paid out. I will resend them the documentation again and call again to see if anyone has it and will pay it. Please require First National Bank to make customers ' escrow account activity available online. Thank you.
I did a XXXX loan thru comenity capital bank it was an 18 month interest free loan we had signed up for e-billing, however the statements ended up going into spam after the initial setup, but we always logged into our account first week of the month to pay since we knew was due, the 18 month grace period expired and they are billing me for past interest, A -- the only way we realized the oversight was when I received a TEXT for past due amount about 2 weeks after expiration date, the payment in fact had already been made and when we looked at account we saw balance had jumped by app {$2000.00} B -- I called right away and was told about the expiration so I immediately paid the principle and said I would not pay outstanding interest, I have contacted them numerous times to resolve this issue to no avail and they want me to pay {$2000.00} for a less than 3 week oversight C they continually harp on the notice in the statement, even if I did receive the statement there is only ONE small line in a XXXX page statement with the expiration date noted D -- also they can send me a text about a past due amount [ that did n't even exist at the time ] after the expiration and yet could n't send a text that the grace period was about to end F I have told them numerous times I will not pay and send to collections and to stop adding obscene interest charges on top of interest charges G their notification policy sucks and is strictly selective to their benefit and they take advantage of minor oversights with absolutely no regard for people
I have contacted  XXXX   XXXX  several times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  XXXX   XXXX  has refused to remove these inaccurate reporting on my credit file with  XXXX , TransUnion, and  XXXX . This account was paid in full on  XXXX   XXXX ,    2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.
Paypal Breached their contract with me on XXXX and illegally seized the funds in my account and gave me a bogus excuse saying my skincare items breach their user agreement when I check their user agreement there was no mention of skincare creams being banned from selling on their platform. With all this information XXXX still decided to hold my funds for 6months and now the 6months are up on XX/XX/XXXXPaypal still has my funds seized and my funds restricted I am only allowed to remove XXXX a month of my own money, I never gave them permission to use XXXX and Mis-Handle my funds they are breaching their contract because the 6months is over and they still refuse to release my funds!
XXXX XXXX, XXXX UPDATE : Attached is EQUIFAX involvement " in whole or in part '' with this matter in a letter sent from XXXX XXXX. to the consumer ( me ). EQUIFAX is being used a scapegoat/diversion/cover-up for the malicious activity that happened to me and for what is potentially happening to other unsuspecting citizens/civilians/consumer of XXXX XXXX. services. There is XXXX on my EQUIFAX consumer credit report to dispute ... This continues/appears to be a matter of collusion and suspicious/malicious intent on behalf of XXXX XXXX. What EQUIFAX information was used to reduce my credit line??? My EQUIFAX consumer credit score XXXX over XXXX ) during the time this incident happened is attached to this complaint. After paying down debt to reduce my debt to credit ratio, XXXX XXXX. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. Up to XXXX XXXX XXXX, my XXXX XXXX. line of credit for my XXXX XXXX credit card was {$4000.00}. On XXXX XXXX, XXXX, 4 days AFTER XXXX XXXX. received my {$2500.00} payment, XXXX XXXX. reduced my XXXX XXXX XXXX Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My XXXX XXXX XXXX consumer credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus since XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, at approximately XXXX CST, I was told by a XXXX XXXX XXXX Credit Card XXXX representative XXXX XXXXXXXXXXXX XXXX that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my Experian, TransUnion and Equifax XXXX XXXX XXXX scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED EQUIFAX CREDIT REPORT FROM XXXX XXXX. I received letters from XXXX XXXX. stating their decision was based on information from EQUIFAX ... In addition to consumer concerns with using EQUIFAX given what was transpiring with EQUIFAX during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of XXXX XXXX. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED EQUIFAX CREDIT REPORT FROM XXXX XXXX XXXX and there is NOTHING on my EQUIFAX credit report that substantiates the claim from XXXX XXXX.
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and  they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.