WillisBack/dataset-financial-user-claim huggingface dataset:
I received a call at approximately XXXX XXXX on XX/XX/2017 from XXXX, company is XXXX XXXX. The person left a voicemail message stated that they needed a statement from me or my legal counsel which was an intimidation message. I called back at approximetly XXXX XXXX and was told that I have a credit card with Old Navy, told me that I owed the balance plus judgement fees. I have never been sued for this card, so I do NOT owe judgment fees. The debt is a time barred debt, over 4 years since last payment in the state of Pennsylvania. so they can not even sue me but the debt collector continued to threaten legal action. I told her that she is in violation of FDCPA laws by continuing with this empty threat. She informed me again of my balance with judgement fees ( with no judgment received????? ) and that she did not know about my state 's laws. I called the following day to ask for something in writing about this debt which I never received ( I have not moved in 10 years ) - I still have not gotten anything. I also asked for their physical address to send a cease and desist and was hung up on 2 times.
I was not notified that I had this alleged debt and I also wanted notified that this debt was being placed on my credit report. I have medical insurance so I was n't even aware of an alleged debt owed to anyone. I 've sent letters to AR Resources advising them to validate this debt because they 've violated th e HIPPA law.  I sent them a certified letter of  XXXX   XXXX ,   XXXX   and on  XXXX   XXXX ,   XXXX   they sent me a letter stating that I owed {$1400.00} ; attached with that letter they had a bill with, the date these procedures supposedly took place, a breakdown of the procedures that were preformed as well as the medical codes for these procedures, the bill had a doctors name on it, with the amounts for each procedure cost. This is a violation of  the HIPPA la w. Then on  XXXX   XXXX ,   XXXX   I receive another letter for this same account stating that I owe {$190.00} ; attached with that letter they had a bill with, the date these procedures supposedly took place, a breakdown of the procedures that were preformed as well as the medical codes for these procedures, the bill had a doctors name on it, with the amounts for each procedure cost. In the comment section it stated that what the explanation field was for at the top with the numbers in them.  ( 1 ) meant Insurance Contractual Allowance and ( 2 ) Insurance Deductible.   This company has placed  XXXX  separate collection accounts on my credit report with  XXXX  and  XXXX  for the amounts of {$180.00}, {$1400.00}, {$75.00} and and then on my   XXXX    report they 've have {$1400.00}. From the information that sent me in these letters all of these charges for on the same bill, so why did they place  XXXX  separate collections on  XXXX  and  XXXX . The original creditor has violated the HIPPA law because they provided information that I did not give them permission to share with a third party. They 're also providing inaccurate information to the credit bureaus as well as to me.
On Saturday, XXXX XXXX, XXXX I submitted an online application for a XXXX XXXX XXXX after reading all available web site information. The application page indicated an immediate accept or decline decision would be made. However after pressing the apply button, a standard screen appeared that indicated a decision would NOT be made immediately and instead there would be a 10 day wait for processing. I then called the company 's customer service number and requested that the application be cancelled as I was not comfortable with they way the company was representing themselves and the process. I was told by the customer service rep that it was not possible to cancel an application and I would have to wait until I received a mailing from Barclays to proceed further.
I told the representative I was most displeased and disappointed with Barclays ' policies first of the application approval/decline process and then compounded by their refusal to cancel an application - particular since this qualifier was not present anywhere on the application page or on the apply button itself. The representative still indicated that there was nothing he could or would do to resolve the situation. If possible, I would appreciate assistance personally from the CFPB and at least please post this experience for others so they can avoid the same problem. Thank you.
on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/2018 and XX/XX/2018 but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXX dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.
I lost my job and fell behind on my cable bill, I owe {$120.00}. XXXX XXXX sent the bill to collections and ever since I have received calls daily, at times 3-5 times a day. I told the XXXX collectors that I JUST started a new job and that as soon as I have enough money I will pay them, the calls then slowed to 1 call every other day. Now I am receiving the calls from a XXXX NY number for the same bill and I told then the same thing, I will pay the debt as soon as I have the money but they continue to persistently and annoyingly call. I work vigorously long hours at a physically demanding job and I 've been woken up by then calling at XXXX several times now and they will not leave me alone.
I have had this mortgage for 10 years and never carried an escrow, I have paid all taxes and insurance on my own. In XXXX XXXX Ocwen attempted to collect insurance, after much hassle and phone calls I had to prove that I had a good policy with XXXX, Ocwen continued to insist that I had to pay insurance a year in advance. In XXXX XXXX Ocwen put an escrow onto my account without contacting me. My county offers a payment plan which I took advantage of, Ocwen decided to make all taxes due despite this. I received my check for tax payment back from Ocwen. After 8 phone calls I finally just paid all taxes and fees to avoid late payments and an escrow. At this time I was told that this " WOULD NEVER HAPPEN AGAIN ''. Two weeks later-it happened again. I called Ocwen and wa told that I had delinquent taxes, i was very concerned so I called my county tax office and confirmed that I did not have any delinquent taxes, nothing due until XX/XX/XXXX. I again called Ocwen and they insisted that the XXXX taxes were delinquent and I owed them another escrow in full. I was then transferred and was told they would " research '' and call me back-16 days later. I waited and was again told that they needed to research further and again told my taxes weer delinquent. Mind you, I had not even appraoched the due date yet. At this time I asked " what should I do? '' and was told, " do n't do anything, this is Ocwen 's error and we will fix the unfortunate situation ''. Weeks passed and I kept calling, same response each time. In the meantime I am incurring late fees, property inspection fees and certified mail fees. On one day I was charged 11 times for certified mail, another day 7 times. I have NEVER received even one certified letter! Multiple inspection fees on one day also. I have called almost 100 times, I have sent multiple letters and emails. Yet today, 5 months later XX/XX/XXXX, I am still being told that I had delinquent taxes and I have to send another letter requesting that my account is researched. I do n't know how to prove that XX/XX/XXXX comes before XX/XX/XXXX except to send Ocwen an American Calendar. I have even said-ok how much can I pay to resolve this? The reps refused to give me a dollar amount. They would not let me give in and fix this. Any internet search shows how historically deceptive Ocwen is. Why are they still allowed to be in the business of taking homes from hard working people?? I have been told by XXXX reps that no foreclosure proceedings would take place but again that was deceptive and they are now threatening foreclosure. Please help to rectify this very stressful problem. Thank you.
I refinanced with Bank of America in XXXX. All the documents that I have received in my prior complaints support my position that the money past due was placed on the back end of the mortgage yet BOA refuses to correct my credit reports with all of the credit agencies. My outstanding balance after the write was supposed to be placed on the back end of the mortgage. This was what I believed to be happening when I rewrote the mortgage back then, my former rep XXXX confirmed that it was on the back end of the mortgage during our MANY phone conversations yet BOA reported us late for our mortgage for those years resulting in the destruction of my credit rating, resulting in my inability to obtain student loans for my children, and my ability to obtain any form of credit. I have had enough of their delays, their refusal to correct the reports, and their treatment of my account. I have documentation showing that it was placed on the back end of the mortgage yet BOA, slow in their responses to my MANY MANY MANY complaints, take their time in responding, fail to correct the fact and I will have no choice but to file suit for this wrong. I have written many complaints on this issue yet BOA refuses to correct the wrong. Though my loan has been rewritten and my past due amount has now been correctly placed on the back end of the loan my credit continues to be destroyed by BOA. In all of my complaints that I have filed BOA has sent me many letters stating that the matter is still under investigation, can we have additional time to investigate, our representative will contact you, we are reviewing your complaint, blah blah blah yet nothing is done. All I have asked was for BOA to remove all negative remarks from my credit scores from the date of my first rewrite. I have no choice but to pursue legal action, seek damages for their wrong doing, and demand treble damages under a XXXX and all legal fees and costs for filing the complaint if it continues. I think my request to simply remove negative remarks without further action is reasonable as I have documented evidence to support my position. The letter that I have dated XXXX XXXX, XXXX clearly shows that the loan in XXXX was approved and that the outstanding balance was added to the loan. THAT MEANS IT WAS PLACED ON THE BACK END OF THE LOAN AND NO LONGER OUTSTANDING. BOA is a huge company and I am simply a consumer yet this company has destroyed my credit and I can not sit back any longer. My offer to remove all negative credit within XXXX stands, if not, I will commence XXXX proceedings.
My husband had medical debts that went to collections. The collection agency went after me and reported these debts on my credit report only. I objected to them reporting it on my credit. I objected to to the fact that the collection bills come only in my name. We do not live in a community property state. The collection agency insists that the debt is my legal responsibility and that I have no recourse in this matter. This has damaged my credit score making me unable to buy another vehicle at a decent rate.
XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, XXXX, TransUnion. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5.  XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2.  XXXX XXXX
The following information is reporting on my credit report when the responsibility of this debt has shifted due to my divorce, which is Missouri Case Number XXXX. 
XXXX XXXX Account ( open date XXXX/XXXX/XXXX ) and XXXX XXXX ( open date XXXX/XXXX/XXXX ) are accounts that need to be placed on my ex wife 's credit report, not mine. 
XXXX XXXX Debt ( open date XXXX/XXXX/XXXX ), XXXX XXXX XXXX ( open date XXXX/XXXX/XXXX ), and XXXX XXXX XXXX ( open date XXXX/XXXX/XXXX ) are collections that responsibility has shifted due to my divorce.
Chase accepted, never refunded my cash, never answerer n good faith my complaint to, the cfpb n that 's like being guilty, using foreigners n another world with possession of my data, is like commercial activity, fsilure to controvert what I alleged repeatedly is deception in banking also denial of loans to unlike other banks chase is a scam artist sending computer generated documents instead of registering as debt collector and by law answering too the cfpb files I pursued instead retaliation vs my mom n their banking'3party, syndicators'chase collectibles, is a very immense sneaky little trick my mom is was POA, n they fig going after her would back me off XXXX chase! their arms had signs n were 'tethering my card by skim yet not giving cash back on those days, returning later my cash was gone .plus online transactions denied I was never refunded never got merchandise n still nothing from chase chase sucks XXXX, n must be severely monitored with how it handles cash n tjat I scam pitch 's pending'is true fraud .for real it 's gone, then thev'ropeadope '' they say ai n't giving it cuz, its all foreigners n breached ATMs, n credit card cracking fraud n much more chase is involved with allowing'nonmatching, name transactions to occur online often n still no refund so yea, I would n't answer to cfpb either their pitiful deny me access to my files n gov, complaints vs hateful groups of lending certain banks like XXXX with costs bikes up north on XXXX XXXX tell u it approved for a bank loan for bike n deny u bike until card comes? unreal like no XXXX XXXX XXXX XXXX loan at all, a and the XXXX bike is raggedly scratch filled hesitant overpriced raggedy, tires too chase something .claims this n that but..it 's aside get locations r nasty. No bike ramp, doors broken unsecure, atms, jammed, skimmed, wjike chase let 's customer loose n Teaches it 's XXXX guys working to snatch the card cut it up n throw it away cuz it 's evidence, as they input piece meal notes like '' covering their tracks in the act of unlawful taking my trust funds .living n letters '' research? " they fraudsters! shut, investigate, staybon chase period their retaliation vs my mom XXXX '' their 3party syndicated groups on my mom to retaliate is heinous XXXX XXXX XXXX chase n chase receivables whom disclosed my mom 's debt to 3party which voided the debt plus they violated the statute with debt collection under USC 42_1692section they all do screw XXXX looser
The mortgage holder, JP Morgan Chase Bank, on my condominium requested that I provide evidence of flood insurance on my unit. I have provided flood policy numbers, insurance company names, coverage period and insurance coverage amounts to JP Morgan Chase Insurance Processing Center through on-line entry, telephone calls and letters with this information. Yet, I continue to get letters indicating I do not have adequate flood insurance along with an offer from JP Morgan Chase to purchase flood insurance for my unit. The coverage amount offered by JP Morgan Chase is exactly the same amount of coverage that currently is in force on my unit through existing flood insurance policies.
A legal representative from " loanme '' XXXX XXXX called an associate of mine XXXX XXXX on Thursday XX/XX/2017. The representative called in regards to case number XXXX. XXXX XXXX left a return number XXXX to be further contacted. After learning of this call I attempted to make contact with XXXX XXXX on Friday XX/XX/XXXX. After placing the call I was in direct contact with " XXXX '' a legal representative directly. I was informed that there is a small claims case against me in the amount of {$6000.00} and that the case was formed against me after negligence of payment on my account. I was told that unless I pay restitution or that I would be counter sued for the amount owed. The representative claimed their law offices have contacted my former employee, associates, and conducted a background check into my finances without my knowledge. The actions were justified as a means to establish " credit worthiness '' with the law office. I was then told that I received documentation and notice of the pending law suit against me. I informed the representative that they had no legal right to conduct a background check or any further actions against me without my knowledge, to that they replied they were legally covered and justified due to my contractual agreement. I have not received any documentation or notification of a legal case against me. Also Over the course of my line of credit with loan me they have called me numerous times daily attempting to collect payments. I would receive anywhere from 10-15 calls daily from random phone numbers nation wide until I would answer the call. I have requested numerous times to not be contacted excessivley and that their practices are a violation of my rights and privacy, but to no avail. The account from loan me has not been placed on my credit or placed for collections I discovered yesterday XX/XX/XXXX after checking my credit report.
For years they told me I could not get a new interest rate. I was in deferment for a while and I feel that they have misinformed and applied my funds. I am a XXXX and I have XXXX for 13 years at XXXX that qualify you for the {$5000.00} off. I sent in the paperwork and was denied. They said I took out a new school loan, when all I did was consolidated with them as they told me to almost 15 years ago. I just applied for the XXXX forgiveness in 2016. They could not explain why. Please help me! Thanks
I sent a certified letter to Ally Financial, the furnisher of information to the credit bureaus ( XXXX and XXXX  ) on XX/XX/XXXX and XXXX XXXX ( even though the date was misprinted ). In both letters I asked that they are in possession of any document that they believed authorized the inquiry to produce the document. In a phone call on XX/XX/2018, an individual claiming to work for Ally Financial stated that they were in possession of two applications from an auto dealer for credit. I asked if the applications had my signature on it. She said " No. '' I said if I have not signed it you do not have authorization and since you can not produce a signed application, you can not verify that the transaction was initiated by the customer. The Ally employee tried to tell me that I had to speak with the auto dealer directly, but the FCRA states that the furnisher of information " Ally Financial '' has the obligation to maintain these records and has the capacity to remove this unauthorized inquiry.
i am following up on a re investigation dispute sent in on XX/XX/2016, Received XX/XX/2016 and signed for at XXXX. today XX/XX/2016 I am speaking with an Experian XXXX. She states the company you have dispute with has 3 options 1 ) Remain 2 ) Delete 3 ) Closed I ask on my second dispute to get validation on this debt with my signature, SS, DOB? 

She replied as this creditor is signed up electronic and does not have to show or provide a copy of my signature or and personal information. it is simple the 3 choice above. 

I went so far as sending a police report stating identity theft and this could possible be an account that drive from it. So they kindly placed me on internal hold and the out come. not removed. Creditor Validation with a 1 of 3 choice nothing more. this is not fair
JJ Marshall Assosciates Inc. has lied to all three credit bureaus repeatedly when I have tried disputing them on my credit report. This debt belonged to my husband and was discharged in his chapter XXXX bankruptcy case number XXXX on XX/XX/2017. JJ Marshall Assosciates Inc. keeps telling the bureaus that their information is correct and belongs on my credit report as an active collection. They will not tell the truth and I have submitted proof to each credit bureau. At this point I am able to sue for harm to my credit report as well as pain and suffering due to their illegal tactics and false reporting.