WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 we applied for a mortgage. I noticed a collection on my credit report I've never seen before. I was told to contact the collection agency XXXX XXXX and consulting to verify what the collection was. I called the agency to ask for any information to prove I am the owner of the debt they are reporting. They stated there was no information to give me and nothing was sent stating they were attempting to collect. We haven't received any letters or phone calls. The company still hasn't sent any verifications or validations that I owe the debt. I disputed this debt three times with the Experian Credit Bureau. They stated it was confirmed by the Collection agency not by giving any form of paperwork where I signed or applied for the debt but by pressing a button on the computer stating it is mine. The credit bureaus states they do not require any of their customers to provide proof the debt is owed but that they agree to only report correct info. We filed a police report to have the matter investigated and sent the police report to Experian to have it removed. Experian has yet to remove this fraudulent info from credit report. This is definitely against the law and am lost on what to do next. The debt is fraudulent and Experian will not remove the debt from my report as they should per federal law. The debt appears to be from a hotel I've never visited in a state I've never been. Experian first stated to get a police report to have the info removed. Then I was told Saturday XX/XX/2018 to upload the email from the police department. Once the the email was uploaded twice I called back Monday XX/XX/2018 to have the collection removed. Now they're stating I need to file the report in Texas not California. I live in California why do I need to file a report in a state I do not live. CFPB please help with this matter.
I was notified today that someone from the XXXX Law Firm in XXXX XXXX, FL has been contacting people that are n't related me or listed as references on my loan application claiming that I am being investigated for Bank Fraud and that they are trying to reach my husband regarding an investigation about me. I was completely shocked and called the number provided to my husband XXXX X XXXX. The woman said that she has me on camera taking out a payday loan and since I violated the terms of paying it back I am now subject to bank fraud charges! How can a payday loan company threaten criminal prosecution? I would also like to know what gives them the right to tell people that I am being investigated for fraud? The one person they called is my ex-stepmother-in-law 's sister that I have n't spoken to in 6-7 years and the other person they contacted was my stepchildren 's maternal grandmother ( yes my husband 's ex-wife 's mother! ) I am in complete shock that they would call people that A. ) barely know me B. ) have never in my life been used as references C. ) tell these people I 'm wanted for bank fraud!!!! How is this legal????
I have been receiving letters from XXXX for over a year. Saying that I owe them money. 
XX/XX/XXXX statement 2016 I owed {$170.00}. Unable to charge on the card because they say I was late, no more charges have been made. 
I made a payment of {$150.00} XX/XX/XXXX. I made another payment in XX/XX/XXXX of {$75.00} and {$75.00} in XX/XX/XXXX. I still continued to receive letters that I owe the {$320.00} but now acknowledgment of the payment or explanation of why the balance is n't going down or why it is still going up. I have asked repeatedly for a statement of my charges and they have not given me one. 
Just letter " trying to collect a debt. 
To me it is paid off. They need to correct the credit agencies records which they have not.
Spoke with customer service rep XXXX XXXX as well as Fraud Supervisor XXXX XXXX on XX/XX/XXXX in reference to the release of my XXXX deposit made in XX/XX/XXXX. Went into XXXX branch location early XX/XX/XXXX spoke with branch manager who contacted fraud unit for release of funds who stated funds would be released as of XX/XX/XXXX that investigation of funds reclaim would be finalized and that if no party put claim on funds by that time they would be released. As of XX/XX/XXXX I have yet to receive my XXXX i was told today by XXXX XXXX that my i can call back XX/XX/XXXX to check status of investigation. My issue is they ( SunTrust ) has held my funds for over a year and still refuse to release my funds pending some bull investigation which they've had a year to complete. My account was in my name the checks deposited although multiply checks for same amount was from same company was also in my name, SunTrust even conversed with issuing company who also verified checks were issued to me and that they would not be reclaiming funds. So as of now and then SunTrust has illegally held onto my funds and refuse to release under the only valid reason is theyre waiting to see if my funds are reclaimed by Another party. Please help my hands are tied I have no other options available to get assistance in receiving help to get my funds released.
This company is in violation of FCRA. I've called their business numerous times, left voicemails and been hung up on. They are reporting on my credit reports under two different names for 1 loan at 1 company. Because they DBA more than one name or have subsidiary companies they feel it is okay to report a loan more than once under each name. I had 1 loan paid off and isn't reporting, then I had a loan that was charged off. It is the charged off loan they are reporting with both company names. The loan was paid to the collection company already.
On XXXX XXXX, I attempted to co-sign a loan online for a relative so he could purchase a piece of commercial equipment for his business through Sheffield Finance, the financial company affiliated with the dealership in Arizona. We received a denial and a list of reasons that 'could ' have contributed to the denial. The loan representative informed my brother that the company 'policy ' was not to accept co-signers from out-of-state and that we should try a bank, that the interest rate on the loan would be better anyway. 
On XXXX XXXX, we attempted to submit a loan, again with myself as co-signer, through his bank, XXXX XXXX. We both received similar letters informing us of the denial and what reason 'could ' be included. It was then that I learned that out-of-state co-signers may not be allowed under Arizona law. 
My first question is : if out-of-state co-signers are not allowed in Arizona, why is this not stated in some form on the websites? Why do the algorithms allow the applications to go through with addresses in XXXX different states? 
And, most importantly, why did I get hard inquiries on my credit score from both Sheffield Finance and XXXX XXXX? 
I do not have access to Arizona law to do the research myself. 
The loan is no longer needed but I still have the hard inquiries on my record and I would like to know what the reason is that these financial companies are not being transparent about this 'policy ' or 'law '. And, if this is actually the case, I would like to find out if I can get these erroneous hard inquiries off of my credit record.
I just used the XXXX app to monitor my credit, when I noticed that I could apply for the Capital One card. The approval odds were listed in green, and said " good. '' I applied, but my application apparently was n't accepted. I have decent credit, and believe that I am being descriminated against.
XXXX of Source RM was horribly rude and refused to provide documentation about a XXXX debt. When I asked for him to send me proof of the XXXX debt, he shouted that I received one from XXXX, which I did not receive. He was very rude and unprofessional and refused to sent me proof. This make me that this is fraudulent since they are not providing proof.
Last XXXX I was contacted by Diversified Consulatants for a debt owed by an unknown person named XXXX XXXX. Several calls were received and during XXXX conversation I was calld a XXXX by the agent handling the call. I advised during each attemp that the debtor was unknown to me and that they were calling the wrong person. Several months have gone by and I have started to receive these calls again. The first phone call I asked the agent to provide the name of her company and she refused. She kept asking if she had XXXX XXXX on the line and eventually hung up on me. I immediatley called the number back XXXX and requested a manager. After holding I was transferred to XXXX XXXX 's voicemail where I disconnected the call. I called again and spoke to XXXX XXXX who identified himself as an acting supervisor and refused to provide me with an actul member of management until I went through all of the various agencies I was contacting. I am asking that these calls stop once and for all. The supervisor that I eventually spoke with XXXX XXXX assured me that my number was being removed, however I have been told that in the past. This company violated TCPA as they are calling my cell without my permission and FDCPA by refusing to provide the company name, adhering to my cease and desist request and the use of vulgar XXXX slurs. I am feed up and there harassment is stopping me from completing my work.
I no longer accept the terms of agreement governing the account under PayPal account with the username XXXX. <P/>This is a individual tax payer, single beneficial owner account that was inadvertently upgraded to business account. On multiple, documented, occasions I have requested a downgrade to a simple XXXX personal transaction processing account. <P/>Subsequently, this business account has been limited. I am no longer able to : send money withdraw money from my account close my account remove a card remove a bank account I have sent communications in regards to this issue with no reply. In addition, I have spent several hours on the phone explaining the issue multiple times with multiple customer support representatives. <P/>I spoke directly with XXXX XXXX, manager in customer support and fraud, on XX/XX/XXXX. I explained this lingering issue once more and that it had been ongoing for more than a month. <P/>On XX/XX/XXXX, I contacted customer support again and spoke with XXXX ( Emp. ID # XXXX ).  He indicated that XXXX did open a ticket - # XXXX but there has been no resolution from compliance. <P/>During the phone calls with customer support, I advised that I would allow an additional 24 hours before contacting the ( Audit, Risk, Compliance ) ARC committee of the board, and filing a complaint with the Consumer Financial Protection Bureau. <P/>Unfortunately, this letter is the documentation and confirmation that the status on my account has not changed. <P/>In additional to this communication, I am not opposed to taking additional steps to bring this issue to the attention of the media, my congressional representation, the California State Attorney General, the Illinois State Attorney General, the Federal Reserve Board ( FRB ),  and the Securities and Exchanges Commission ( SEC ).
You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA , Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter. 

I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. 

I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program.
On XXXX XXXX, 2015 I received e-mail from CashCall offering a settlement on a loan I had due to them with a XXXX time payment of XXXX. I am attaching the e-mail in this correspondence. I spoke with my family and they were going to provide the amount so I could settle the debt. 
I called CashCall and said that I wanted to settle based on their e-mail. They were to move forward and provide the documents necessary to do this. 
Follow-up calls were made and nothing ever happened. 
After a period of time I called CashCall again. This happened on XXXX XXXX, 2015. They said that I would have to deal with a new contact. This new contact was XXXX XXXX XXXX. The number given to me by CashCall was XXXX XXXX. I was to call them from this point on. I called this number I spoke with someone who would only identify himself as XXXX. XXXX said he represented XXXX XXXX XXXX. XXXX said that everything was transferred to XXXX. Their number was XXXX XXXX XXXX. I then called this number. They took down my contact information and said that someone would get back to me. I received a call from XXXX XXXX. He said that he works for the XXXX XXXX XXXX XXXX. He was calling from XXXX XXXX. He said that the offer is not available and I will be dealing with him now. He demanded payment of approximately {$5000.00}. He said that if I did not pay, he would take legal action and sue me. He said that he would put a lien on my house and levy my wages.
XXXX XXXX XXXX is reporting a debt on my credit report for {$170.00}. 
This agency is not licensed to collect in my state. 
I disputed this with Transunion and they did not remove the account.
It has taken years but my credit report has been cleared. This is the third attempt this company has tried to collect a paid or old debt. XXXX attempts by mail which has been ignored and this morning XXXX/XXXX/2015 at XXXX XXXX by phone. I was kept on hold for XXXX minutes. Then a clerk tried to get me to verify information about myself after I told them not to contact me again. I want this company to leave me alone.
I filed an investigation request with Equifax via mail back in XX/XX/XXXX. They were supposed to respond within 30 days. Almost four months have passed, and despite previous complaints, they still have n't responded.
I filed a complaint with you that case number is XXXX, in which it was closed and Specialized Loan Servicing ( SLS ) responded by stating that they were going to be issuing 3 seperate checks in the following amounts : {$920.00}, {$230.00} and {$870.00}. 

They sent the check for {$920.00} but they made it out to XXXX XXXX and XXXX XXXX, which could not be deposited to the bank because XXXX XXXX passed away on XX/XX/2018. I called SLS and was told that they made a mistake and should of made the check payable to XXXX XXXX and the Estate of XXXX XXXX. This check was sent to us on XX/XX/XXXX and SLS said it would take XXXX days. I keep calling to ask about the checks and they say they will send in a report, but that does not help. It has been XXXX weeks and still to repayment. I have also asked about the other two check and when I ask they say they do not know anything out that. But that is what they said in the final report to my complaint.
This was originally over a debt from credit card ( XXXX limit ) that i could n't afford to pay about 17 years ago, this was for XXXX XXXX. 10 years ago a law office that was hired by a a debt company ( harvest credit management i believe it is ) that bought the debt sued me. I never received a notice to appear ( failure to serve ). I only found out about it months after when the collected old mail to see the court case was already decided. To my knowledge I have to be served correct? Since which 10 years have passed and suddenly last week they seized all the money in my accounts both savings and checking. This happened without any notice. When I called them they said they sent a notice to an old address. They claimed the recently renewed the case and is why they just now after 10 years decided to make that move. They now claim I owe XXXX in interest on top of the credit card amount of XXXX, a total of XXXX. I have no way to pay this and will most likely claim bankruptcy soon unless they can settle for a far smaller amount.
I default on a second mortgage with XXXX XXXX to move to XXXX AL where my wife could receive treatment for XXXX XXXX XXXX, a XXXX XXXX XXXX. The Second Mortgage started out as a construction loan for us to do a major remodel, additions and improvement to lake access from the property. XXXX XXXX had agreed to roll the construction loan into a refi of my V.A. Mortgage to include the First Mortgage and Construction Loan. I told the Loan Officer before we started the Construction Loan that I had XXXX XXXX XXXX. I informed the loan officer and bank project monitor that I wanted the senior officers of the bank to evaluate the detailed Remodel/Addition/Facilities Improvement Plan, that was prepared by my XXXX Y.O. Son, myself and the contractors I was to use on the project to determine, if this work would be an appropriate use of the money the bank was providing to me. I discovered at the end of the project that no one above the loan officer saw the plan. The interest second mortgage was 7.99 % for 60 months then reverting to an adjustable rate mortgage. I discovered at the end of the project that the bank did not even do V.A. Loans. I also found that the bank had reported false information to the major Credit Bureaus on the construction loan that was to be interest only, that I had failed to make P & I payments. In short the bank later their Agent In Fact, an attorney, lied from beginning to end.
On XX/XX/2019, I submitted the following complaint : " I had enough funds to cover all debits on the above referenced account except one, XXXX Visa for {$270.00}. This debit was not among the debits listed in my account on XX/XX/XXXX and so it clearly posted last from a chronological stand point, in fact it appeared the day after XX/XX/XXXX on the ledger so there is no way that it posted before all the other entries. 

In any case, there were sufficient funds for all remaining debits on XX/XX/XXXX. I believe there should only be one NSF fee of {$34.00} for the XXXX payment. Therefore I request a refund of {$68.00} for the two extra erroneous fees. '' The customer service response did not acknowledge the facts of this case. I had my account covered for all posted debit on XX/XX/XXXX, and the debit that cause an overdraft did not appear until the following day. Due to this fact Chase over charged my account. Chase has been very aggressive in charging overdraft fees unfairly. Further more, customer service agents appear to reflectively refuse to correct errors.
On XXXX I had another late charge for an insurance payment ; the funds were not available because of a previous illegal INSUFFICIENT FUNDS. 
On XXXX I had {$200.00} so I made a few purchases for the month from XXXX and XXXX. 
On XXXX my car payment hit that I forgot about through all the confusion ; this should have been the only INSUFFICIENT FUNDS FEE. 
Once again M & T placed this before all my XXXX purchases and I am facing another XXXX INSUFFICIENT FUNDS FEE or {$230.00}. 
The grand total since XXXX n they place the {$54.00} out of order starting this planned snowball effect will be {$340.00} for XXXX. 
Since I am on SS I keep track of every penny with XXXX and I did not do this. If M & T are going to jockey transactions around outside the normal bank ledger then they should provide the software to keep track.
My HELOC was transferred to BSI in Pennsylvania in XX/XX/XXXX, they always messed up my payments, and recently I just called to get my rate information, to no avail. My loan is now transferred to another company. 
I need my rate information, as I feel they might have put it in wrong, and at 2.25 %, with all the payments I have made, my loan should have gone down substantially, which it has not. 
I have not been on top of this, as I have been taking care of XXXX friends who have XXXX, and the past XXXX years have gone by so fast. I just caught up with everything, and I noticed that the information they sent to the new company is off by 1 %, so I need to get the correct information from BSI. 
BSI sent me a print out, which I ca n't make heads or tails out of, and I have been in XXXX for over XXXX years. They seem like they are quite backwards as far as their computer system. 
I want to make sure they have the correct rate information, as my rate is always 1 % lower that the prime rate in the XXXX XXXX XXXX. I have made many payments over the monthly payments, which should have been going to principal, so I do n't understand how at the rate I am, that my HELOC has not really gone down. 
I would appreciate any help, as this is just snowballing, as BSI has sent out the wrong loan information to the new company XXXX XXXX XXXX in XXXX California. They have my rate as XXXX, and as indicated by the FDIC, which took over the bank I originally had the loan with, my rate will always be prime minus 1 %. 
I am asking for help in this matter, a $ XXXX loan that I started with in XX/XX/XXXX, should not be $ XXXX, I have made payments above the minimum payment, and always to principal. 
Thank you, XXXX XXXX
In   XXXX   XXXX  , I was notified by employer that a credit screening would be conducted and  may affect  my employment. Based on the result they received on  XX/XX/XXXX  I was told that my position was at risk and that I needed to explain certain items on my credit report. This is when I was told that I had been sued and the judgment was entered on  XX/XX/XXXX . I was not aware of who was suing me until I contacted  GE Capital Retail b ank who notified me that my debt was sold to  XXXX   XXXX . When I contacted  XXXX   XXXX  I was told that they 'd taken legal action. The total debit for the collection account was {$3000.00} and the legal item was {$2900.00}. At this time I ended into payment arrangement with them because I was given less tha n 1 w eek to show proof of payment arrangements and proof of first payments made to my employer. I agreed to and initial payment of {$250.00} on  XX/XX/XXXX ,  2 rec urring payments of {$250.00} beginning   XXXX  , 15 monthly payments of {$150.00} beginning   XXXX   and a final payment of {$87.00} on  XX/XX/XXXX . At the time, my job was at risk however I was notified the following week that the credit screening would discontinue but at this time I was in a payment arrangement and I no time to do any research. I received a letter dated  XX/XX/XXXX  stating that the judgment against me would be place in forbearance and the legal action would discontinue contingent upon me paying as agreed. As a need for a new vehicle has come in to place, repairing my credit has become vital   XXXX   stated to look into the judgement against me. I contacted the court on   XXXX   XXXX   XXXX   and that was when I was told for the first time that a default judgment was entered against me. After further research I realized that this could only happen if i failed to respond to service of legal action but I did not recall being served. On   XXXX   XXXX   XXXX   I made another call to the court to find out when and how I was served. The clerk stated that an affidavit was submitted stating that I was served in person on   XXXX   at and old apartment and that I signed for it. I moved away from the address that they claim I was served at    XXXX   XXXX    and would have be at work at the time of service, so it just was n't possible that I could have been served. In the state of Texas there is a timeframe in which the court must receive response to a default judgment and I am now far out of that timeframe because I was never notified. This creditor has submitted completely false information to the court. Now I have the original creditor, the 3rd party, and the civil judgment reporting on my credit reports and the amounts are different.
I received a letter From Mandarich Law Group , LLP for Creditor : XXXX , XXXX When I responded to Mandarich Law Group , LLP with a Certified Mail Letter and they refused to pick it up on two attempts from the Post Office