WillisBack/dataset-financial-user-claim huggingface dataset:
They keep calling with the right name wrong Soc. sec. # wrong addresses? Wo n't stop calling? they are very rude, and the langue? company is ARA, XXXX, calls are more then XXXX a day, I did get a Gentle man XXXX and did explain to him.. he said the phone calls would stop..? but they did n't? They are looking for XXXX XXXX XXXX # lastfour/XXXXnot mine
I have requested TransUnion investigated the inaccuracy of two accounts XXXX XXXX XXXX   and XXXX. XXXX XXXX is reporting inaccurate account information the last payment date XX/XX/XXXX and the date the account closed date XX/XX/XXXX. A charge off can only be processed 6 months after the account is delinquent. The second issue I requested an investigation on the inaccuracy of XXXX reporting a charge off and a high balance. The account did not state the account was sold or transferred.
My company got into a contract with XXXX for credit card Merchant Processing the provider is a registered ISO/MSP of Citizens Bank. In XX/XX/XXXX I got my monthly charge for the transactions done for the month of XX/XX/XXXX. I noticed my charges where significantly higher than usual and more than what my contract states they should be. I called the XXXX. I finally go hold of someone and I asked why there was such a huge percentage discrepancy in fee charge. He told me that there was a XXXX dollar annual fee. I told him I was never told this plus it wasn't in my contract. He told me they only charge this once a year. This the second year in a row that this happens and I have to contact your Bureau to correct this. This doesn't follow the contract nor what I was told in the emails by the sales person. They are breaking the contract deal. This is unethical! I not only want this bogus annual charge of XXXX to be reversed but I would like a full audit of my account done from the time it was open. I believe they are not following the terms of the contract. I have the contract in PDF in three pieces so I could upload it.
On XX/XX/2018, I received a denial from XXXX XXXX Credit based on disapproval from EQUIFAX, reference # XXXX. I requested information substantiating said denial with my letter to EQUIFAX on XX/XX/2018 after two unsuccessfull online requests. Received last letter from EQUIFAX on XX/XX/2018 requesting documentary submission of a whole slew of personal information for their verification before I could have my credit report. Obviously EQUIFAX already has all my information in order for them to deny my credit application in the first place. So why the need for this unnecessary back and forth for more paper, when all that has to be done is provide me my credit score, its basis, and reasons on which they determined my XXXX XXXX credit denial? Isn't this the simple solution?
1. This Complaint is filed pursuant to 15 U.S. Code 1692f - Unfair Practices and FDCPA 15 U.S. Code 1692e, and is directed specifically at continued non-compliance by XXXX XXXX, XXXX. and Select Portfolio Servicing Inc. hereafter SPS Inc.. 

2. This complaint is related to CFPB, complaints # XXXX and # XXXX previous filed by me on XXXX XXXX, 2016 and XXXX XXXX, 2016. The complaint was submitted by the CFPB to XXXX XXXX, XXXX. and SPS Inc. on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, XXXX XXXX, XXXX. and SPS Inc. are continue their non-comply with the FDCPA statute requiring them to stop all collection actions as required by the cease and disease. 

3. Select Portfolio Servicing Inc. has falsely asserted that we made a request for information on XXXX XXXX, 2016. The false assertions are made in written documents and can be consumed and relied upon by government agencies/authorities and judicial bodies when making decisions on certain issues. See EXHIBIT-XXXX. The statement below made by SPS Inc. is completely false. It is fabricated by SPS Inc., and it is the intentional misrepresentation of material facts to facilitate the continuation of SPS Inc. illegal collection efforts. The false assertion are as follows : " ( Select Portfolio Servicing, lnc. ( SPS ) acknowledges your request for information regarding the name of the " owner '', sometimes also referred to as the " investor '', " creditor '', and/or " note holder '', of the above referenced account. ) '' 4. SPS Inc. are using document that contain assertion they devised to by-pass FDCPA regulations. SPS Inc. are answering request that were never made and sending XXXX to XXXX document in response to their fake REQUEST thy themselves concocted and claimed it was a request we made. SPS Inc. is in fact intentionally fabrication what could become material facts. Thus, they are in violation of FDCPA. 

5. There is an ongoing unlawful effort by SPS Inc. and XXXX XXXX, XXXX to intimidate, harass, and coerce us into giving them a secured interest in our property. 

6. SPS Inc., after receiving affirmative communications from the CFPB that a cease and desist had been filed they are continuing to communicating with us regarding a debt and urging us to modify a purported loan. 

7. SPS Inc. and XXXX XXXX, XXXX, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through U S Mail to take action that can not legally be taken. 

FOR THE RECORD 8. As to the non-judicial foreclosure advertisement of a SALE UNDER POWER of our property at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Georgia, SPS Inc., on XXXX XXXX, 2016 sent by way U. S. Mail, written notice stating that the SALE UNDER POWER schedule for XXXX XXXX has been CANCELLED, See XXXX. The cancellation was also confirmed with XXXX XXXX XXXX XXXX XXXX ( Daily Report Public Notice paper ) customer service.
XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX has been calling me since around XX/XX/XXXX for debt that they allege i owe. I have asked them multiple times to stop calling me as i am not sure what they are referring to. However i am of poor health and the constant calls have been worsening my health as they bring unnecessary stress which further worsens my health. I finally sent the company a cease and desist letter through certified mail to the company and it was received on XX/XX/XXXX by XXXX XXXX. Since than i have received another collection call dated on XX/XX/XXXX from phone number XXXX. I informed the representative of my letter and hung up however i am worried that they will disregard this letter if they are not given some sort of penalty for violating the law and continuing to contact me. any assistance is greatly appreciated.
ACT or Account Control Technology, keeps harassing me at my job. I have told them to stop calling me at work, but they call several times. If anyone answers the phone they ask them a XXXX questions about me. Then they badger whoever answers accusing them of being me.
On XX/XX/XXXX I reached out to XXXX XXXX XXXX, the President of Zions Bank. I was providing feedback and was explaining my past situation. It was not even 16 hours later, I received a alert from XXXX about ZIons Bank pulling my credit. I called to find out why, and was eventually contacted by a gentleman who claimed to want to " settle '' a very old account. I explained my inquiry and this gentleman accused me of working for the State of Arizona, I told him I had been XXXX since XX/XX/XXXX. He then discussed trying to take my home. I told him we were doing a rent to own situation, and he claimed he had government information stating to the contrary. I was being treated like a criminal. I never even consented to them running my credit. For that matter, I never even provided identifying information. I gave my first and last name. I never provided a date of birth, social security number, address, nothing else. I think these people would take money from a XXXX persons hands. I have been XXXX for several years. It will eventually lead me to my early death. How many of the banks customers are treated like this. I did not ask to become ill. I believe that this should also be sent to the Federal Trade Commission, I remember receiving a post card in the mail about an action against Zions Bank. I believe I was involved in a class action suit against them. Maybe they should be investigated again.
I took out a lone a few years ago to this date {$12.00}, XXXX and have been going through financial hardship and have been late on a lot of payments since last year.
AMSHER COLLECTION SERVICES has been inaccurately reporting an account since XX/XX/XXXX which they claim I owe {$110.00}. My rst attempt to resolve this matter was received via certied mail USPS ( XXXX ) on XX/XX/XXXX.

AMSHER COLLECTIONS SERVICES responded on XX/XX/XXXX simply stating, the letter is to inform me that they received my notice of dispute regarding collection and they will provide me with any documentation they receive of my request. Also included in their response was a company telephone number and options to pay, however, they failed to validate the debt.

The term breach of security means, with respect to unsecured PHR identiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. You may be held liable for the actions of AMSHER COLLECTIONS SERVICES.

AMSHER COLLECTIONS SERVICES responded on XX/XX/XXXX, with an printout of an itemized deduction verifying the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verication. Medical related documents was also included in the documents sent. AMSHER COLLECTION SERVICES should be advised the under Federal Statutes, The Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and Georgias Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

A second attempt was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. I again requested validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. AMSHER COLLECTION SERVICES failed to respond.

Laws that I can potentially le suit for : 1 ) HIPAA ( Health Insurance Portability and Accountability Act of 1996 Metro 2 Compliance 2 ) US Court of Appeals - Ninth Circuit, No. 00-15946, XXXX XXXX XXXX XXXX 3 ) FCRA Section 4 ) 623 FCRA Section 605 ( c ) 5 ) FDCPA Section 809 ( b ) FTC opinion letter Cass From XXXX.

As FCRA rules allow for up to {$1000.00} per violation. Small claims actions are not allowed to cover attorney fees.
In XX/XX/2015 I attended a continued education program through my union and got hurt while I was there so I visited the hospital and got looked at. The hospital ( MARYLAND XXXX XXXX ) gave me the bill and I gave them my current XXXX XXXX insurance number which was up to date which then my insurance took care of it. This debt collection has been showing up in my credit reports for the past 3 years and and is causing financial hardship.
National Commercial Services sent me a letter dated XX/XX/XXXX alleging I owed them approximated {$320.00} and alleged my XXXX. I do not believe my XXXX. I have no evidence to support that and there is court judgment. I responded with a certified letter sent XX/XX/XXXX and received confirmation of receipt on XXXX
Every year the same thing happens with Equifax ( also with XXXX, not with XXXX  ). Today it was Equifax ( I ask one of the bureaus every 4 months ). They ask me 4 questions with multiple choices which are supposed to verify my identity. Out of the 4, 2 have no answer but " None of the above '', they refer to companies or credit transactions I know nothing about ; which means I flunk the test to prove that I am me, and Equifax refuses to provide online access to my credit report as it has been mandated by law. 
Instead, they suggest a long list of paperwork that I need to send to get a free credit report. Obviously, I can also pay for one, and then, I am sure, there will be no fake questions to prove that I am me : a credit card will be sufficient. 
This time, I copied the screen contents, and my responses. I also have the scan of last year 's credit report, which I got by mail after filing a complaint like this one. 
I am hereby enclosing both, the screenshots showing the spurious questions with my responses, as well as last year 's credit report. I challenge Equifax to tell me which of the reported credit transactions they were referring to in questions 1 and 3. Nothing in the XXXX report mentions anything vaguely resembling anything in these questions, which refer to transactions in XXXX and XXXX. In XXXX I did cancel a mortgage with XXXX, and that is listed in page 20 of 30 as XXXX, of XXXX VA, not as any of ; XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF THE ABOVE Question 1, about a merchant 's card from XXXX, also has no reference in any of the contents of the credit report issued by Equifax in XXXX. 

The only conclusion on this is that they make these questions impossible to answer, or downright fake, just to avoid giving me access to my own credit report, as I am entitled by law.
Hello, I was alerted of a wide scale breach of Equifax 's consumer information database XXXX XXXX, 2017. I visited a website created by Equifax and was informed that my personally identifiable information has been compromised. I have placed a 90 day hold on my credit reports. Equifax has an obligation to protect my information and has failed to do so. Further, Equifax has offered to provide free identity and credit monitoring service to all U.S. consumers, but only if the consumer agrees to waive their right to class action lawsuit. I find this practice to be deceptive.
I was approved for furniture financing and I decided I no longer wanted to make the purchase and asked the store to cancel. The finance company is continuing to withdraw money out my account. They stated the store is pretending the purchase was custom furniture, they stated they have an invoice which would show nothing is custom I have revoked ACH privileges so I 'm sure they will start negatively reporting to the credit bureaus
My complaint is the same as a previous complaint # XXXX. Bank of America indicated that they had made a notation on my account that I would be issued XXXX debit cards whenever I needed a replacement. When I called on or around XXXX/XXXX/16, I was told that I could only have XXXX card and that there was no notation on my account to provide me with an additional card. I am a XXXX vet and this is very XXXX to have to deal with this issue again. This type of aggravation seriously causes me XXXX.
I filed a chapter XXXX bankruptcy in XXXX 2013. My mortgage through XXXX XXXX was reaffirmed, as well as my home equity line through XXXX XXXX, and my furniture payment through XXXX XXXX XXXX. I have continued to make on time, full monthly payments to each of these companies and noticed that they have not been reporting to the credit agencies. I have provided the documents of the bankruptcy reaffirmation agreement, as well as the history of the payments made to these company 's over the last years to all XXXX credit bureaus and each one of them come back with missing information on their investigation, some do n't even address the XXXX accounts I have listed in my dispute, others have other companies instead like XXXX. It is apparent that these companies do not doa thorough investigation of my dispute. They ca n't even get the account correct, let alone I don ; t believe anyone even bothered to look through the files I sent them of the proving documents to show they were supposed to be reaffirmed, as well as my payments being made that are not being reported. I 'm trying to rebuild my credit, and this is not fair that my payments are n't being reported, and no one is taking the time to do their job properly. 
PLEASE HELP!
I have been attempting to work with Resurgent Capital regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to Resurgent Capital over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.
I got a call from a XXXX XXXX in XXXX, 2014, telling me he specialized in lead generations. He would purchase leads from a XXXX party lead generator. The leads were {$20.00} each and because I had a XXXX time grant from XXXX and I would invest {$100000.00} then I could purchase XXXX leads. I almost did that but left for a week, where I received at least XXXX phone calls telling me I had committed to this and that XXXX supervisor was upset. 
Then I got called by XXXX supervisor who was very upset that I did n't follow through with my purchase. XXXX supervisor pressured me into buying leads for the amount of {$60000.00}. The leads would come from businesses that had been rejected by the banks to get XXXX terminals and they would result in a 3 to 7 % success rate. 
Then I had also gotten a phone call from a XXXX XXXX XXXX who said he was in charge of monitoring my leads and staying on top of his employees that called the businesses on my behalf on the leads I had purchased for {$60000.00} from XXXX XXXX, XXXX. 
I was informed, by each of these merchants, about a XXXX package that would enable me to build my business and to make a lot of money. These firms were to provide me with business opportunities, commissions, web site, leads, XXXX of XXXX of unique targeted visitors, as seen in the fraud case. I never received the products promised on any of these purchases. These companies deceitfully obtained my banking information and intended to use your payment system to defraud me by unauthorized use of my money. 
Since the initial payment, I have not received the services that were promised to me. I have made numerous attempts to contact the companies in an attempt to get refunds and there has been no response. I trusted these companies with my money and they did nothing but take from me repeatedly. Since these companies have stolen my money and not performed, delivered or helped in the ways that were promised, I am disputing the charges on the grounds that they were fraudulent. 
Fraud occurs when a person or business intentionally deceives another with promises of goods, services, or financial benefits that do not exist, were never intended to be provided, or were misrepresented. 
The above named merchants, about whom I 've found countless complaints on the web, knew the dispute rules and informed me that it could take up to 12 months for services to be rendered. This was done in an attempt to delay my dispute beyond the eligible date. " Intent to deceive '' is clearly listed by FTC guidelines as an unlawful violation that should be refunded. These merchants ' ability to process should be revoked!
One of my accounts with Sallie Mae, before it was sold has been incorrect information. I have repeatedly tried to get them to correct this issue. 

It shows me as not having paid, when I was supposed to be under forbearance. It looks like they applied it to one of my loans, but it was supposed to be for both. 

At the time I was unemployed and trying to straighten this out with them. Every person I talked to told me something different. Since they were becoming navient ... they seemed to stop being reachable and no one cared to help correct the problem. I tried multiple times to contact them. Once I thought things were ok, I 'd call and get different information from someone else.
On XXXX XXXX XXXX, I had fraud committed against my checking account. The security of my bank did not have measures in place to prevent this from happening. Due to this my account was depleted of all funds. The banks security department had to conduct an investigation that took an unprecedented amount of time. I finally was able to recieve all of my money back on XXXX XXXX. Due to this lengthy investigation process I was behind on some of my bills that were auto-draft. Those creditors applied returned check fees totaling {$290.00}. I have tried working through my bank to recoup those fees and have not had any resolution. I claimed these fees on XXXX XXXX and as of today have been informed by my bank that this investigation is still in progress. I have already paid those fees to those creditors. So as of now I have paid {$290.00} in fees due to a poor security department and an unacceptable investigation process.
I got a call from a bill collector stating I owe money and will need to pay or will be going to court to be sued. XXXX XXXX XXXX was his name as he stated. He was working for XXXX XXXX XXXX XXXX. Was calling about a Car that I co-signed for and needed to pay the difference which was XXXX. I was in shocked since I have not received any paper work on this. This car was repoed about 5 years ago. I'm guessing due to it was not in my possession. He then said I was being recorded and that I was be summon over the Phone. I'm in a Wow now. He new all my personal info also. then he said he can see if I could do a 10 % pay off and that everything else will be a tax write off. That 10 % pay off would have been {$1300.00}. So I did some research and was not sure if this was true or not. They called again today and I said I am reporting this to Consumer finance.gov will see what happens. The phone # is XXXX
A financial institution sent a direct deposit to an account I owned that has since been closed. Chase bank, subtracted charges they are stating I owed, but will not disclose to me what the charges are. I have good reason to believe the account was not closed properly and Chase continued to assess charges to the account. They sent the remainder of my deposit to a wrong address, and will not initiate a stop payment on the check until I pay to have a document notarized. I feel like they are holding my funds ransom, as well as not being transparent in telling me what the charges of {$190.00} subtracted from my deposit were for.
This happens every time I re-order checks from Wells Fargo bank. Each time I end up using a customer service agent who does not listen and submits the order incorrectly. I was sent the duplicate check package ( rather than single checks with no carbon copy ). It takes 2-4 weeks for delivery. The checks arrive and the are wrong ... the checks are double/not single. I call about the issue and am told they will replace the checks ( least they could do ) but it would take an additional 2-4 weeks for them to arrive [ making the process more like 4-8 weeks from my perspective. 1 ) I requested since it was their error that they would expidite the shipping, they refused ; 2 ) I needed to inquire if there was a difference in pricing between the dup ; licate vs single checks and yes ... there was an {$8.00} difference. Had I not made this inquiry and insisted, Wells Fargo inrtended to keep the {$8.00} difference in the cost of the checks. Over the space in any given period, how may times does this happen, begging the question how many times does Wells Fargo overcharge customer for products as a result of their mistake. I should have been notified ( without prompting and their having to research ) if the unit price for the order was different and that difference automatically refunded, not needing to be specifically requested ; and 2 ) the order since it was incorrect should have received the expedited shipping as a courtesy ( if not compensation ) in recognition of the inconvenience. I am : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The Bank was Wells Fargo and the Case # is XXXX. Major to me that over millions of customers these fees which are overcharged add up and that they seem to take no responsibility for their ewrrors. Simply reprocessing is the bare minimum of their due responsibility. Thank you.
XXXX Account # XXXX Please delete this on my credit report. This has been paid and never use. 
I am trying to refinance my mortgage and it is really hurting my score.