WillisBack/dataset-financial-user-claim huggingface dataset:
In my previous dispute with XXXX ( XXXX XXXX XXXX  credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX  and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XX/XX/XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX,XX/XX/XXXX with XXXX and XX/XX/2018 with Equifax. I  recently pulled my credit report and the only bureau that is current is XXXX ( see attached ). XXXX XXXX XXXX has not updated Equifax since XX/XX/XXXX ( see attached ) and XXXX since XX/XX/XXXX ( see attached ). I am again requesting that XXXX XXXX ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
The firm Pressler and Pressler violated the Fair Debt Collection Practices Act when it caused my joint bank accounts to be levied. 
The debtor owns none of the money in the account - or only has funds in it that can not be levied at all, like social security or XXXX payments. My wife incurred credit card debts prior to marrying myself. Only my wife was a debtor obligated, obligated to respond to, Pressler and Pressler.
Received Notification from TD Bank of New Monthly Payment Effective Date = XXXX/XXXX/XXXX and new Monthly Payment Amount = XXXX ( instead of XXXX ) along with notification of SURPLUS in Escrow acct of {$920.00}. I changed my auto payment to XXXX in XXXX, one month BEFORE the add'l {$10.00} was due, but the auto payment reverted back to the prior amt without my realizing it. I have now corrected the auto payments, I have paid {$280.00} in Late Fees, I have overpaid Principal due, but still have had a late payment reported to the Credit Agency for my {$10.00} (!!! ) mistake. Moreover, multiple calls for a current balance or assistance were unheeded because their automated system does not recognize my acct number. 

I would like for TD Bank to remove the Late Payment from my Credit Report as I have paid 20 times the amount in late fees AFTER being sent a check for {$920.00} for their OVER-WITHHOLDING on my escrow in XXXX. To have the escrow amt increase by {$10.00} & then have the bank use that as a means to not apply the otherwise complete Principal and Interest payment & thereby charge late fees and make a late payment report to the credit bureaus in unconscionable. 

I will pay the late fees etc, but am asking the late payment report to the credit bureaus, which will cost me thousands in increased finance, insurance rates, etc, to pls be redacted. This was a {$10.00} clear & obvious mistake, which could have been quickly rectified if the bank had just called me or had human beings that one could speak to rather then a broken automated " customer service '' system that hangs up and does n't recognize its own account numbers, with no option press 0 or any other means to actually speak to a human.
On XX/XX/XXXX I mailed a letter of VALIDATION to Commonwealth Finance for 6 different accounts via certified mail. I haven't had any knowledge of these debts or any contract with this company so I requested VALIDATION. This company received my letters on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. The response did NOT include ANYTHING that VALIDATES the debts are mine. This company did NOT provide ANY documents with signature for VALIDATION as requested.
I have a second mortgage with Bank of America. I encountered difficult financial issues because of a serious family matter. My second mortgage fell behind. I stayed in contact with Bank of America. I attempted to make a payment on line in XXXX and the they blocked my ability to make any payments. I mailed a payment and they refused to accept it. I spoke to a number of representatives and they told me the loan was in in foreclosure. They said I could apply for a reinstatement if I paid 90 days of payments, plus about {$1700.00} in legal fees that they managed to accumulate instead of just accepting my payments to begin with. I was assigned a case manager named XXXX XXXX. We spoke once and then she passed me on to a case manager named XXXX XXXX. 
He attempted to call me one time while I was at work. I tried to call him back. None of the case managers have extensions, e-mail, direct lines or any other way to contact them, except blind luck. I agreed to their predatory arrangement of paying more than double the amount due to pay their attorney that filed the totally unnecessary foreclosure just so I can get on with life. I sent a cashier check next day air on Monday, XXXX XXXX in the amount of {$2000.00} to the address that I was instructed to send it to. They claim they did not receive the check, yet I have tracking information to prove they did receive the check. 
This entire process is designed to create road block after road block to make sure you are unable to make the payment, so they can charge unnecessary and ridiculous legal fees ( and I am sure it is an in house attorney or one they are receiving compensation for referrals ), and or take my home from me. As of the filing of this complaint, they still will not acknowledge receipt of my check and I am 100 % certain they are doing this so they can accumulate more fees and take my home. I need your help.
On XX/XX/XXXX  this company received certified mail asking for validation of debt. On XX/XX/XXXX  the company still did not validate debt owed and they did not mark the debt disputed by   XX/XX/XXXX   through the major credit reporting bureaus. This is a violation of the FDCPA and FCRA. I did send a second letter which the company received on   XX/XX/XXXX  . A lady from the company called and talked to me about the debt on XX/XX/XXXX    but again did not have the credit bureaus mark the item as disputed. The company still violated the laws.  Section [ 15 U.S.C. 1681s-2 ] ( 3 )  duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed. ( B  ) ti me of notice! The notice required under sub paragraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section  603 ( p ).  This company violated the state laws. I received no information until XX/XX/XXXX . Therefore by law the company should have the item removed from the credit agencies such as transunion and  XXXX . I tried to call the company back about the laws that was broken and left my name no return call. The copy of my credit reports are below and as you can see the items was n't marked disputed.  XXXX  is marked disputed because on  XX/XX/XXXX  I myself disputed the information with the credit bureau. The lady stated they did n't receive my dispute letter until   XX/XX/XXXX    . Included is certified mail reciepts with date, time stamp, and signature of the person who signed for the certified mail on   XX/XX/XXXX     and   XX/XX/XXXX    . So again the company violated the laws and I have all the proof. If I have a contract with this company please send to me by mail a contract bearing my signature of the contract.
Purchase made through paypal with paypal credit as credit card was fraudulent. Dispute initiated with Paypal. Outcome of dispute unclear. Case was decided against me apparently.
I am outraged that Trans Union continues to reinsert an account that has been paid in full, closed, with a zero balance. My account with XXXX has previously been reported as having a balance of over {$190000.00}, only to have me report the inaccuracy, followed by Trans Union correcting the record, only to have Trans Union subsequently re-report the account as open with over a {$190000.00} balance, only to have me once again send in documents to prove that it is closed, paid in full, with XXXX balance. I am angry and tired of having to go back and forth. For the last time, I an attaching documents proving that this account is closed, paid in full, with a XXXX balance. The next time Trans Union fails to properly report this account I am filing suit in federal court for the XXXX XXXX of Virginia.
After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau has not satisfied it obligation to provide the information requested.
This debt was included in a bankruptcy years ago!!! It has already been deleted from my XXXX credit report and still is showing on my Experian credit report Ive called many times and no resolve!!!!
On XX/XX/2018 and XX/XX/2018 I had 5 fraudulent transactions on my debit card with BANK OF AMERICA. There were 4 purchases at a XXXX 's for a total of {$1000.00} and 1 transaction for XXXX made by ATM withdrawal. I was just getting off work around XXXX XXXX XXXX XXXX time on XX/XX/XXXX and noticed these charges. I immediately called BANK OF AMERICA and informed them, cancelled my card and had a new one sent. I attempted to file a claim but at this time claims department was closed for the weekend. As soon as I had time on Monday I filed my claim. A representative with Bank of America assured me I would get the money credited to my account however within the next couple of weeks I was told my claim was denied because 1. No draining of my account. 2 No balance inquiries were made. However 5 transaction of more than {$1300.00} I would consider an attempt to drain my account. They told me send in a letter it took me some time as I work 6 days a week 10 hrs a day and could not find the time. I am seeking full reimbursement and bank of America is denying me payment. My next step will be filing a lawsuit.
I believe this company AES is not acting in my best interest. I went to XXXX College in XXXX and XXXX College in XXXX. I have been struggling since I left college with just my XXXX degree, I asked this AES company for help at the most desperate time of my life and feel as though they took advantage of my situation by altering my original balance and adding unjustified fees to balloon my balance. As of today I am still struggling, but I have paid this company {$17000.00} since leaving college in 2010 with an original balance of {$22000.00} and this company AES has ballooned my balance to {$31000.00}. My attempts to contact this company by phone to complain are met by absurd wait times that I can not meet, yet this company AES has no problem sending me automated phone calls anytime I am late to pay and spamming my e-mail with do-not-reply e-mails.
XX/XX/2018 XXXX XXXX Interim Director Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear Mr. XXXX : I am requesting your assistance with the attached charges on my Capital One credit card account. I have contacted Capital One on multiple occasions since XXXX regarding the XXXX charges on my account. After multiple phone calls and letters to Capital One, I was directed to contact Fraud Investigator XXXX. Despite my calls being transferred to the Fraud Investigator on multiple occasions, I have not yet received any responses from the Capital One Fraud Investigator. 

My sister-in-law XXXX XXXX has XXXX and I purchase wigs on a regular basis to help her with feeling more beautiful as her hair regrows after XXXX. I recently learned that the XXXX charges on my account were from vendors XXXX XXXX and XXXX. 

On XX/XX/2018, I purchased an item from vendor XXXX XXXX and received the attached email even after I paid for the item. I contacted Capital One regarding the fact that I was sent the attached email and did not receive the item purchased. 

On XX/XX/2018, after not receiving the item purchased from XXXX XXXX, I again purchased the item from vendor XXXX  and again received the attached email after I paid for the item. I again contacted Capital One regarding the fact that I was sent the attached email and did not receive the item purchased. 

On XX/XX/2018, I purchased an XXXX from XXXX that stopped working properly. Capital One continues to charge me the funds for this phone even after the phone was returned to XXXX and another XXXX was purchased on my Capital Once credit card and my phone number was transferred from the non-working XXXX to my current XXXX. 

It has almost been one year since I have first contacted Capital One regarding these purchases and Capital One has refused to reimburse me for items I have either not received or returned to the vendor. 

Sincerely, XXXX XXXX Cc : XXXX XXXX, CEO, Capital One
Pay pall credit showing charges that I never made and the items I returned because they damaged and I know that seller issued me a refund, but they not showing on a statement. Also they charged me late fee two days later after I made a payment. I can not see my account number and they ignoring all my emails and letters.
My mortgage servicer, Specialized Loan Servicing LLC ( SLS ), appears to be acting in very bad faith and is attempting to wrongfully ( and fraudulently ) foreclose on my home. They have outright ignored written agreements, and are purposefully stalling the evaluation of my Home Affordable Foreclosure Alternatives ( HAFA ) short sale, so that I will miss the XXXX/XXXX/16 HAFA program deadline. 

I have consistently submitted all required documents in a timely manner, and have precisely followed SLS 's instructions ( both verbal and written ). SLS 's actions also reflect the illegal practice of " Dual Tracking '' as defined by their regulatory agency, the Consumer Finance Protection Bureau ( CFPB ). These are strong accusations, but only a brief review of the attached documents ( see highlights ) support my claim : 1 ) '' Change of Intent '' letter ( sent and received before XXXX/XXXX/16 due date ) 2 ) SLS 's HAFA Matrix ( downloaded from SLS 's website ) 3 ) Making Home Affordable ( MHA ) - Supplemental Directive ( SD ) XXXX, pg XXXX ) CFPB statement - illegal " dual tracking '' I would greatly appreciate any help in compelling SLS to act in good faith, and cease such deceptive and damaging practices. Please let me know if you have questions or need any additional items.
My credit score was at XXXX. Before my despute. The despute was removed from my credit and my score only went up to XXXX. This is effecting me getting an apartment by having my credit drop so low. 

My credit report showed I had an account in collections from XXXX. And that dropped my score. Now that acccount was removed off my account. Why wasnt my credit score repaired back to XXXX?
Regarding case # :  XXXX  The above matter show 's the wanton and willful deception of  XXXX   XXXX   XXXX . They state the following : "  XXXX  advised the borrower  [  your, truly ] that educational loan debt is not dischargeable through bankruptcy. '' NOT TRUE,  XXXX   XXXX   XXXX  ... .and you know it ...     I would have to open what is known as an adversarial proceeding, and the standard is that I have to prove several things according to the so-called "  XXXX  test '' ( look it up  ).  But, you tell that lie to the poor and minorities ( like myself ), and in so doing you perpetuate a lie that student loans are not dischargeable through bankruptcy proceedings with the intent to give the WRONG impression that they can never be  discharged  at all. IF IT WERE N'T TRUE, THEN I COULD N'T FILE AN ADVERSARIAL PROCEEDING ...     I think your deception is at the root of why the CFPB has a major lawsuit against you for your incipient corruption and misleading of the consumer borrower. And, boy, do you mislead.     The fact of the matter remains that I was told that by an entity connected directly to you that all prior negative notations on my account would be deleted when the loans were rehabilitated.     The fact of the matter is that you are not " required '' by the FCRA to report negative past history, but you may, if the information is accurate. Do n't try to mislead -- - yet again -- - with that wrong impression ; I 'm not buying it.     But, in this particular instance, I am only holding to you to the standard that your own representatives  XXXX  or authorized third party ) told me.     Ultimately, I will probably have to file an adversarial proceeding and pursue the matter that way. The likelihood that you are going to ever be fully repaid by a  XXXX  male, in his middle  XXXX  's, with no college degree, and who owes over $  XXXX , when he borrowed not even half that much is, well ... .you tell me.     HAPPY  XXXX ,  XXXX   XXXX   XXXX .   Go get'em CFPB.
XXXX, trans union, XXXX and the ftc unknowing that I have been a victim until my life been impact my life health and job. to be XXXX XXXX XXXX XXXX and tired of these company when I 'm a victim
I ADVISED A FEMALE AGENT TO REMOVE A BUSINESS NUMBER BECAUSE THE NUMBER WAS NO LONGER ASSIGNED TO ME BACK IN XX/XX/XXXX. TODAY, XX/XX/XXXX A CALL WAS PLACED TO THE NUMBER THAT WAS TO BE REMOVED XXXX AND THE YOUNG LADY DISCLOSED WHERE SHE WAS CALLING FROM AND REFUSED TO TAKE THE CORRECT NUMBER TO CONTACT ME. I CONTACTED 5TH LOSS  MITIGATION DEPARTMENT THE ONLY NUMBER I HAD READILY AVAILABLE ONLY TO EXPLAIN THE SITUATION TO BE HUNG UP. SPOKE TO COLLECTIONS TO REQUEST A SUPERVISOR ONLY TO BE HUNG UP AND TOLD THAT THEY DONT KNOW WHY THE AGENT CALLED THAT NUMBER WHEN IT WAS REMOVED AND CANT EXPLAIN WHY..
NISSIAN Finacial high my name is XXXX XXXX I bought a XXXX XXXX XXXX for XXXX and they put another XXXX on top of it I am three months late I have ask them to help me lower the payment due to me being out XXXX they refused when I bought my car I had XXXX XXXX XXXX and we didn't no what was wrong with it my step father XXXX said mass sensor witch coast XXXX and XXXX say Altinater but don't no and it will coast XXXX just took look at it this is my first car and I got taken for didn't understand and was pressured in to brand new car instead used I want my payment to be the Same XXXX dollars more now XXXX more and about to lose it I need help getting into a new car or lowering payment .Please call XXXX
After submitting proof of payment to XXXX several times about XXXX XXXX account on my credit report that was paid off by my insurance company which is XXXX XXXX, they were paid in total back in 2016. So therefore I dont owe anything on this is this should reflect account paid in full and in good standing and removed from my report in total.proof is attached
I opened my Total XXXX credit card in XXXX 2016. I have had abut 5 credit cards reported lost or stolen by the company. I will use the card and it declines. When I call the company ; they tell me the card was reported lost/stolen and a new one is en route. I have never called them and reported my card lost/stolen however I receive a new card every few months. The bigger issue is when the card is reported lost or stolen ; it is reported as a new account on my credit report every time. So it will close the account and open a new account which affects my score and does n't establish the payment history which is why I opened the account in the first place. I called the company and was told there is n't anything they can do when it is coming up the card is lost. I, the card holder is not reporting the card lost.
In the process of getting my student loans into repayment status, Navient continues to report that my accounts were late in XX/XX/2015 and XX/XX/2015. I was in an agreement for repayment program. These accounts were not late. I have disputed them with the credit bureau. They remain unchanged.
I have disputed this problem with the XXXX major credit bureaus and they have not compliedI have a Bankruuptcy Case # XXXX and it was dismissed but the XXXX major credit bureaus will not remove this item from my report. I am seeking the assistance from the CFPB to help with this matter.
I called XXXX to request a statement of what I oaid to what I owed and the man I spoke to after XXXX ( I may have the name wrong, he put me on hold and then someone else returned ) told me that my last payment was returned for NSF, which could not be true, because it never showed pending on my statement, and if need be I can provide those, to show my beginning and ending ledger on that day. Anyways, I called for a statement of what I had paid and what I owed and he verbally told me over the phone and I requested it in writing because I was moving and looking to open up a new account and wanted the previous transactions for my records. Anyhow, he told me he couldnt do it and that maybe I should call back when I could make a payment instead of finding someone else to blame. First off, he was very rude, and I hope the calls ARE prerecorded, because what I was requesting did not warrant such an answer. Second, as a consumer, I know my rights. I told him I would be suing. They need to accept my payments as settlemeny for this debt because I will not be treated in such a manner, nor will I be denied information about my account. I 've been paying for months, its not like I havent been, so for this guys to be so rude and deny me my information so recklessly, I am apalled. I have worked collections, so I know the do 's and dont 's. Then, I am morr upset with check n go because when I called to verify that this third party was indeed who bought out my account I was told they didnt know and that I had to call another third party, who seemingly couldnt answer the phone. My request was simple, and he got an attitude so I got XXXX as well. I cant even get a statement because??? Not okay. Then he tellls me some other company is gon na pursue the account in other manners etc etc. Like chill, that had nothing to do with anything I was inquiring about, and using scare tactics?? No ... it wasnt even necessary.
XXXX XXXX does not know JH Portfolio Debt Equities. 
This is fraudlent account. My documents were stolen in 2009. 
This dates back to when my documents were stolen.
My correct name is XXXX XXXX XXXX XXXX, not XXXX or XXXX. I never lived in Massachusetts just in XXXX XXXX and XXXX XXXX My current correct address is XXXX XXXX XXXX, XXXX, XXXX XXXX My current employer is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. My current correct Phone number is ( XXXX ) XXXX. Please make proper adjustments to all credit bureaus. Thank you.
I am requesting that XXXX banker removed XXXX and XXXX 2016 hard inquiry of my credit report to many hard inquiry less than 30 days
Midland credit managament can not prove ownership of debt, provide itemized charge or letter from credit originator. I have contacted them three times trying to verify debt.