WillisBack/dataset-financial-user-claim huggingface dataset:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,    2017  this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report
As of XXXX 2018, I called XXXX to obtain a copy of my credit report. I noticed that their was incorrect information on my report a chapter XXXX and a chapter XXXX. I have written 3 letters in XXXX, XXXX, and XX/XX/2018 to XXXX  asking how was any information verified. I have submitted letters from the federal court stating that they do not verify anything through third party companies yet on my XXXX  credit report it states Lexis Nexus as the company. XXXX has not complied with my request to verify how and when was any information obtained and verified by them for me. This is a violation of my rights as a consumer. I am asking that the company send me a method of validation as to any of my information is obtained or they will have to delete the negative unverified remarks on my credit file. 
I noticed that I would get the automated response as I would sent in more items to prove I was me. On XX/XX/2018 I was told by an XXXX   rep that my credit file was mixed and that was the issue. As it was separated I noticed that I had two derogatory marks on my credit report. The chapXXXX & XXXX has remained despite all the letters I have sent and a letter from federal court.
After submitting my dispute in via Mail I have not received a timely response. I am a victim of Identity theft and according to US LAW I am afforded protection and a timely response from those who report accounts of credit worthiness towards me.
I have been attempting to come up with a solution to my current problems paying my loans.I started this on XXXX/XXXX/15 and have continued to send emails and talk to XXXX XXXX, Navient '' s consumer advocate. XXXX XXXX has been diligent in his efforts to resolve this, but even his attempts have fallen on deaf ears. I/ He have gotten no response from Navient for over two months, other than continuous emails and phone calls. As my attached letter states they have no interest in helping at all
AS WRITTEN ON ATTACHED COPY I SENT IN 2 SETS OF DOCUMENTS WITH DRIVER 'S LICENSE, SOCIAL SECURITY CARD ECT. BUT THE ONLY THING I GET BACK IS THE DOCUMENT I HAVE ATTACHED. I 'VE CALLED 3 TIMES AND KEEP GETTING HUNG UP ON. AND YES I THINK THIS IS A TAYLORED EXTORTION TO MOTIVATE ME TO PAY MONEY FOR THE REPORT AND XXXX SCORE.
I was trying to file my 2016 taxes through XXXX and when I attempted to register for that, I could n't because they could n't match my information with the credit bureau. I checked my information that I submitted and I was correct and somehow it was n't matching up. I think this is because I do not have any credit history. Anyway, I then went to the credit bureau that they use ( TransUnion ) and tried to get it sorted out. I registered an account and in the process they asked something about monitoring and it did n't explicitly say that it cost anything and at that page there was no fine print to read about it so I went ahead with it. I went back to XXXX to see if maybe something had changed since I made an account with TransUnion and nothing happened. Eventually I used an alternative tax filing software. In the process of filing my taxes, however, I went to my online bank statement and noticed a hold from TransUnion and wondered why. Then I realized what it was when I remembered that they had asked for a payment and I gave my payment information ( debit ). I still cant access my credit information and they have taken my money. Now I want to cancel whatever I signed up for through their cancellation feature but in order to do that I need to have my credit information match their credit information and it still wont do that. Its a catch 22 and I have no clue what to do other than call them and cancel. They are making it very difficult to cancel what I unknowingly signed up for. Thanks for reading this and have a nice day.
The mortgage in question was part of a divorce settlement. Which the home was guarantor to my x-wife XXXX XXXX XXXX in the year of 2002. Since, I have spoken with Wells Fargo about the responsibility of this mortgage no longer being my debit. I have presented my legal documentation from the divorce decree and to no avail this mortgage is still showing on my credit report. This has cause major issues for me whenever I am faced with trying to make major purchases. However ; when it is being reported to all credit bureaus it appears that, I am still held responsible. My name no longer appears on the mortgage, but it still is affecting my credit reporting. The credit reports are showing conflicting reporting. One report shows the account as a open ... .another reports the account as being closed.
On   XXXX   XXXX   XXXX     I deposited a check into my account for  XXXX . Without cause or notice, the check was reversed. Upon calling the m, FOUR DAYS  LATER, they stated it was because it was third party and signed over to me and to 'just come in '. They stated they changed their ATM rules but did not put a notice regarding the new rules on their ATM regarding depositin g 3p ch ecks, nor did they mail disclosures to their customers.   I have been a customer wi th US Ba nk for a decade. I have deposited numerous third party checks and none were reversed. Because they failed to provide conspicuous notice or mailed/emailed notice of their changes, I was harmed.   Additionally, I am also an e-statement customer who receives notices via email. They have my email, my phone, and address and they did not send me any notice regarding the reversal leaving my balance dangerously low. Under the federal law their are required to ensure expedited deposit availability have the responsibility to notify me when issues aris e. FOUR day s passed since the reversal with NO CONTACT. They failed to perform due diligence, they reversed a valid deposit without cause an d may h ave impacted my ability to obtain a mortgage as I am actively seeking a home and am pre-approved with requirements to release my bank statements for a period of time to validate my application. This reversal severely reduces my average balance.   I would like to ensure this does not happen to anyone else.
A company by the name AD Astra collections is calling me, my job and family members and is using abusive tactics to collect on a debt. They threaten to have me garnished if I refuse to pay.
I was a student at XXXX college from XX/XX/XXXX -XX/XX/XXXX, I was given false information by recruiter stating the school offer job placement and would pay for students to receive state certification, which did not happen. I was contact XX/XX/XXXX by XXXX XXXX offering my loan to be put in the loan forgiveness plan using the income driven repayment option, and since then my account has accrued more interest which is ruining my credit by report false information to credit bureau which caused me to be denied when trying to refinance my home, while speaking to the gentleman he informed me that the school was still receiving founds for me in XX/XX/XXXX but I had graduated 3yrs prior, he told me, I need to fax a copy of my diploma showing when I graduated and they could look into it, I fax a copy and never heard anything back I tried several times to contact someone from the agency, but was place on hold until had to disconnect the call or hang up on me when I call to get information.
XXXX   XXXX     2017, an unknow n hard inquiry pull was made in my credit report. To my knowledge I did NOT give written consent or approval for this hard pull to be made. In requesting I 'm asking to see a VALID signature made from myself personally giving consent for this company to run my credit.
XXXX XXXX account, Student Loan closed and discharged ( XX/XX/2016 ) by XXXX. I am currently XXXX and receiving social security payments.
Credit Systems Inc petitioned and was granted a Default Writ of Garnishment in XXXX 2016 without proper service. The process server appeared at my residence on a Sunday afternoon and I was not home at the time. I do not know who answered the door because there were guests at the home watching football. No documents were left so I had no knowledge of the upcoming court date. Additionally, I notified the collection agency, in writing, that the debt was being disputed. Ultimately, with the assistance of the Department of Regulatory Agencies, the insurance company reversed the denial of the claim and it was paid in full. A check was issued on XXXX XXXX, 2016. To date, Credit Systems Inc has not refunded the money garnished from my wages.
I am enrolled in a HAMP modification. My rate has prematurely increased from 2 to 3 % and I have not received the $ XXXX a year good faith principal reduction.
I got calls from various collection companies that I owed for a payday loan taken out in XXXX or XXXX. I asked for some type of very action of the validity of this loan. They claimed to have emailed or mailed documentation but I never received any. I recently saw on my credit report that Midwest Recovery Systems put a collection on my credit report. This is not a valid debt.
I have been in contact with the   XXXX   on serveral occasions. The first time  XXXX / XXXX / 2017 , then again on  XXXX / XXXX /   2017  in regards to some incorrect information on my credit report. They never responded. I requested that they send me validation on the accounts that are showing on my credit report which i feel do not belong to me. I asked for as copy of written proof of what it is for. As of today I have not received a response.
I have a loan with BEST BUY/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BEST BUY/CBNA with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
I had a secured credit card from wellsfargo.. I closed it in  XXXX / XXXX /   2014 to  many issues using card and eventhough I had  XXXX  dollars as deposit and was only able to use half the amount on card I was constantly getting fees. so I closed it and was told that everything would clear and account would be closed. instead they charged me  XXXX  I had fought them even got a letter stating it was cleared. it is still on my credit reports.. my letter from them was destroyed in hurricaine.
Today I contacted TransUnion Credit Report Agency about some inquiries that were on my credit report and tried to dispute them because they arent mines. Instead the representative that I spoke with told me that they cant dispute them unless I had a deletion letter from the creditors. I explained to the representative that I shouldnt have to get a letter of deletion if Im disputing the items, and reminded her that the other two major credit bureaus didnt ask me for a letter of deletion when I contacted them about the same issue. She was very adamant that I had to get the letters and send them in or I couldnt dispute the items on my report.
To whom it may concern : XXXX has charged me for 2 months of unauthorized recurring charges to my credit card. 
I am requesting a refund of these unauthorized recurring charges. XXXX caused my card to be overdrawn, which incurred interest charges XXXX took it upon themselves to charge me without authorization. This is fraudulent behavior. 
I have contacted my credit card company to dispute these charges. 
I have also sent a message to XXXX. 
I will also notify and file a complaint with the XXXX XXXX. 

I am requesting reimbursement,. 
Thank you for your time and consideration XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX United States - XXXX Customer Support Phone Numbers XXXX XXXX The following is an example of XXXX unethical and fraudulent unauthorized recurring charges : This an example of a person that experience the same issues that I am experiencing with your company. This example was discovered during my research of this issue. 

XXXX Unauthorized credit card changes and unethical behavior. 
XXXX XXXX XXXX XXXX, 2016 " I recently found out XXXX had signed me up for auto renewals without my expressed consent. I never received any kind of reminder or receipt of any kind of auto renewal and have now paid for a service I never used. I am now trying to seek reimbursement for this amount but it is still ... '' XXXX comments United States, XXXX, XXXX XXXX XXXX XXXX
On XX/XX/XXXX I submitted a complaint to CFPB ( complaint : XXXX ). That complain has since been closed, however the information I requested in feedback has not been provided by the company, Omega RMS. The company responded to the complaint and I provided feedback. In my feedback I requested proof of the information in the company 's response but have not been provided that information. 

I am disputing the " placed for collection date '' as well as the " client date last paid '' that is being reported to the credit bureau by Omega RMS. 

According to the information I received from the original creditor, XXXX, and the last payment was made XX/XX/XXXX. I have requested multiple times for all information from Omega RMS including proof of the last payment and that information has not been provided. I have only been provided the information that was attached in the initial complaint. Furthermore, the " placed for collection '' date is incorrect. Per the original creditor, XXXX, the placed for collection date is XX/XX/XXXX. Omega RMS is reporting XX/XX/XXXX as the placed for collection date which is not accurate. 

The original creditor, XXXX, also confirmed the account was charged off XX/XX/XXXX. Omega RMS in their response to the initial complaint stated they are collecting on behalf of XXXX XXXX, however the account had been charged off by the original creditor and they are no longer pursuing collection on this account. Omega RMS is attempting to collect on a debt that they purchased ( XX/XX/XXXX XXXX from a 2nd party collection agency ( XXXX ) that is no longer in business and also not pursuing collection on this account.
XXXX XXXX has attempted to collect a payment since XX/XX/XXXX and has forwarded this alleged debt to XXXX XXXX XXXX ( EDP XXXX ). XXXX XXXX XXXX continues to send me debt collection letters. My account with XXXX XXXX ( XXXX ) was canceled in XX/XX/XXXX with no remaining balance -- returned all the equipment. If there was a remaining balance, according to California consumer debt laws, after four years a debt can not be collected. The time lapse was completed In XX/XX/XXXX. I want the negative credit reporting from XXXX XXXX XXXX and XXXX XXXX to be deleted from XXXX, XXXX, XXXX XXXX and XXXX, per California laws.
I spoke with someone in XXXX regarding my private student loan through navient. She was very rude and was not helpful at all. I attempted to correspond through mail and asked that they stop the phone calls and contact me by mail. They have continued to call me, sometimes XXXX times a day, and have told me they ca n't correspond by mail. I spoke with someone in XXXX and again that was not productive. He was again rude and threatening. I just spoke with someone who was again rude and threatening. I am tired of being harassed when i have been corresponding with their company. I have requested documentation in terms of the loan in question and they only sent me half of it and i was told they ca n't send the rest i have to find it online. They have now begun calling anyone that may be associated with me, including my brothers mother in law, who has no part of this situation at all. Even after my mother asked them to stop calling this is being handled through the mail, they continue to call repeatedly.
EXPERIAN IS FAILING TO DELETE THIS ACCOUNT AS INSTRUCTED BY XXXX XXXX XXXX XXXX XXXX   NO.XXXX. THE F.C.B.A. DISPUTE HAS EXPIRED 36 DAYS AGO.
Dear CFPB-I was served court documents by the above named Law Firm dated XXXX XXXX 2015. After following through filing and answering back to this Law Firm with proper legal documents. We have received more legal/letter documents dated XXXX XXXX. 2015, upon reading and reviewing all the documents, the Law Firm has erroneously and falsely indicated in these forms that I had acknowledge having legal counsel concerning my rights and stipulation concerning these forms. Also from previous phone conversations on XXXX XXXX. 2015, we had requested XXXX ( Law Firm Representative ) to please contact CitiBank that we are willing to settle the debt for half the amount if possible. We feel that she never attempted to contacted the Bank, other then admitting that the debt was reviewed and that our request is denied. I also feel that my rights as a consumer are being violated by this Law Firm forcefully wanting me sign their forms/documents. Please advise me of proper legal proceeding with this Law Firm. Thank you kindly for your assistance. 

Respectfully-XXXX XXXX XXXX
This happened during  XXXX  and  XXXX  time period. Synchrony bank needs to audit my acc ount ( s  ). Since they manage more than one company and there are people that have or have had accounts spanning more th an one  of their companies they need to do an audit on all accounts showing delinquent on my report. I just paid off something I 'm not sure I owe because my credit went from being excellent to extremely bad. You ca n't find anyone at Synchrony that can look at all of it. When you call they ask you which company do you have a card with. I went in circles with them on  my TJ Max  account over the last year and they were confusing two accounts. Applying money toward an account with a  XXXX  balance when I mailed in the payment for the correct account. I have tried speaking to the fraud department at Synchrony and I 've tried speaking to customer servic e for TJ Max  and  Steinmart, I 've  tried talking to my bank (   XXXX   ) to see if they can help but since it does n't involve them they have been wonderful at guiding me down this horrible path. I am moving from    XXXX   XXXX    to    XXXX   XXXX   as soon as  this gets straightened out and my credit fixed. The people working at this company are not competent enough nor do they care enough to correct this issue. I have always prided myself on having excellent credit and I had no idea this was going on behind the scenes until recently. Who can get this corrected and restore  my credit score an d have this incorrect information removed from my credit report?
After one year of attempting to resolve my escrow discrepancy with my Mortgage Company it is finally official they are incorrect on their calculations and managing my account correctly. As of today I have received XXXX tax form information from them and all three were different, plus the escrow amount did not equal my escrow end of year analysis. How can so many dollar amounts be off is unclear to me. This truly shows this company needs to be dealt with.
My wife and I deposited my XXXX refund check into my account at Bank of America ( like I do every year ), then proceeded to schedule credit card payments against the check. I made the deposit into an ATM with Teller Assist ( a new feature they have seeing they replaced most of the live tellers ). Got an email this morning that the bank has rejected the check, seeing that we made it into an ATM instead of going to a live person. Had we gone to the window, everything would be fine. In the meantime, my accounts are now massively overdrawn, all the money from the savings account transferred into checking, and fees being charged ( or will be charged ) all over the place. And, they are mailing the check back to me - which will take XXXX business days - for me to redeposit with a teller. There are no signs, warnings, or anything else that explain this. In fact, I 've deposited much larger checks into the ATM with Teller Assist many, many times. But now, this has ruined us for the short term. Talked with the most useless manager - XXXX ( # XXXX ) at BoA - but they wo n't do anything.
This problem has been going on for years. I currently am trying to re-enroll in school and I continuously get messages saying that I have loans from XXXX that are in default but when I go to the website the loans say XXXX balance. I have recently looked into my credit and my account says that I made 3 late payments on 2 different student loans. My problem is that I was reports " Current ''XX/XX/XXXX but " 90-119 days late ' XX/XX/XXXX as well as " 120-149 days late '' XXXX andXX/XX/XXXX. Then, my record shows " No info '' XX/XX/XXXX- XX/XX/XXXX, 1 " current '' payment in XX/XX/XXXXand then back to " no info ''. I do not understand how I went from current to 90- 119 days late in a matter of 30 days, and how reporting just stopped. My student loan payments have never been late.
XXXX XXXX XXXX : XXXX, XXXX, TransUnion My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft, and I have been affected by the credit breach where my identity was leaked. I am unaware of the accounts that you continue to report. Please take this documentation I have provided as an internal dispute and an affidavit. I am allowing XXXX hours for your investigation for the errors to be correct and the inaccurate items removed permanently. If this becomes a problem for any reasons after XXXX hours I will file a law suit against your company for placing inaccurate obsolete information on my credit. I demand a copy of an original contract with under the new FACTA act. I will sue for willful non-compliance under section FCRA 616. 

Accounts : 1. XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX Thank You XXXX XXXX
Debt collector from XXXX XXXX XXXX in XXXX XXXX Washington ( XXXX XXXX I believe ) contacted my employer on multiple occasions after she had already confirmed my current address and phone number. First spoke with my supervisor where she revealed personal information about me and my debt to them compromising my employment and then spoke with me. when I asked her not to speak with me or contact me on my work phone she said she could if she wanted to because she was collecting a debt and if i paid it she would stop calling my work. This can not be legal
I am adding additional information to a complaint I already filed. Complaint # XXXX concerning Shellpoint Mortgage Services. Have just received the attached statement now saying I owe them {$100000.00}. I 've also attached the last two letters I 've received showing I owe a principal balance of {$33000.00}. Not only is their customer Service boarding on Fraudulent practices, it would appear that their Billing/Accounting system is fraudulent as well. How can I possibly owe them more than the original loan amount when they 've only been managing this account since XXXX 2016? I 'm dealing with offices in XXXX different States and they have multiple XXXX XXXX XXXX XXXX for these States. It is no wonder I ca n't actually contact a person who might know what 's going on with this account.
Procollect Inc has placed a medical collection on my credit report that does not belong to me. The original creditor has contacted them and informed Procollect that the debt does not belong to me and they refuse to have it removed from my credit report. I have also sent debt verification letters and they have not responded, I have disputed this with XXXX, and Procollec has verified it XXXX times even after being contacted from the original creditor informing them that it 's not my debt.