WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  is blatantly violating fair credit billing practice is at by voluntarily changing date of last payment over and over again so that my guard last payment over and over again so that my card reporting to the credit bureau forever it is shocking how   XXXX   is accepting that the payments were returned see document attached but still  XXXX  reported but still  XXXX  reported to the credit Bureau as paid on time so that my first date of delinquency is moved ahead so it remains on my credit report forever
I would like to obtain the assignment documents of my loan from the initial loan servicer to the servicer that it was subsequently sold to. I requested the documents from XXXX XXXX but they were unable to find them as ofXX/XX/2018. I have been paying on time for this loan for over 10 years and am only 25 % paid off-I am not sure this has been a legitimate process so I would like to see the paper trail.
My complaint is about XXXX company sending me a bill stating that I owe them money for their services and that I was under a contract for years to come. But when I first sign up for there services I was told differently. I paid my final bill with them and close out there service. 
Next thing I no I receive in the mail an " RPM '' notice stating that I was in collect. 
I had spoken with someone representing this company and again they suggested that I call " XXXX '' office. The reason why this third party has not been calling me is because I did not give them my telephone number. 

RPM stand for Receivables Performance Management LLC.
Couple of things here. This is directly connected to case XXXX of which you can share the information in each complaint with the other complaint party. 

I have yet another company attempting to claim this same unverified debt. Additionally now this debt - Which I was told went from a physicians office XXXX by Harvard Collections .... is oddly being collected XXXX as an ambulance bill. 

I have asked XXXX companies to provide proof that they actually purchased the debt .... maybe they XXXX work for XXXX as they use outsource collection agencies XXXX companies do, they make pennies on the dollar to our minimum wage - so the company saw that once vendor was collecting the amount wrong and sent it to another vendor? Or they are XXXX collecting the same thing with different descriptions? 

There is fraud all over this. I paid my co pays at the hospital that day, I am not sure why there is now a doctor charge and ambulance charge XXXX for XXXX from the same day with two different debt collectors. 

Additionally when asking for the original invoice, the notification of intent to send to credit collection agency, proof of ownership of the debt ... they guy said I can not provide you with that I can only give you the original invoice and our invoice ... XXXX well obviously I want more since XXXX agencies are trying to collect the same amount. 

So he provided me with two solutions .... 
1. I can just stop calling you and stop trying to collect, how about that? I asked if it would still be on my credit, he said yes, I said that is not good enough. 
2. Then he said I will settle this debt for you for {$150.00}, but refused to send that to me in writing with the requested verifications. How are you going to accept less as a resolution to me wanting verification of debt????? Sounds like a form of bribery to me. 

Then the XXXX manager - each time I asked for the documents I wanted they would escalate my call - told me if you want to verify that they tried to collect this debt, and that they did sell it to us you need to call them directly. You should be disputing with them and not us ... .. which would make my debt validation request pointed to the wrong party in the XXXX 30 days ... I think this is illegal. Additionally I am not disputing I was at the hospital, I am simply verifying where they are getting this amount because I have XXXX companies now that have tried to collect under different names. 

There has to be better reform ... how about transferring letters, from the original creditor and the collection agency each confirming they have completed a transaction for this XXXX debted amount. Something tangible, not just a hospital invoice and random collection company invoice ... I could make XXXX of those up and say I am the collection agent who owns the debt. The only thing this validates is that the collection company has my information. You have to come up with better regs around debt validation
I have written to the company a total of 2 times. I have stated I had no acknowledgment of this account and was asking for documentation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they  have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked. 

They have no documentation with my physical signature on it. They have address incorrect and dated wrong since I was currently living in a different apartment at the time of said debt. They have not shown any form of validation and a debt that is n't mine. If they continue to report said debt on my credit report without validation with my physical signature on said consumer agreement, I will be forced to pursue litigation and seek monetize damages under FCRA section 616 & section 617!
Ok I had taken out a Title loan for my paid off vehicle, However back on XXXX 2015 I had needed extension for a week, A gentlemen by the name of XXXX told me I could n't get an extension but I qualify to get an additional {$500.00}, IF I bring them {$340.00}, and he sold me on the Idea, when I get my taxes just paid it off. ( But I have n't receive taxes yet ) SO I took the additional {$500.00}, which was only {$160.00} difference. Now I am stuck paying {$410.00} a month just on interest alone. 
Now I ASKED FOR AND EXTENSION FOR FEBURARY AND THEY HAD GAVE ME 30 DAYS. 
I feel like if he would allowed me to get the extension in XX/XX/XXXX I WOULDNT BE IN THIS MESS, I AM SPENDING MY WHEELS JUST PAYING ON THE HIGH INTEREST RATE ... ... ..IN XX/XX/XXXX MY LOAN WAS DOWN TO {$800.00} NOW ITS {$2100.00} WITH {$410.00} INTEREST RATE ...
I received an email stating that XXXX had an data breach of their consumers information. Also, the email stated that I need to contact the other credit bureau to dispute items off my credit report because of XXXX  data breach. Here is the following information about the inquiries on my credit report for Experian. 

1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX/XXXX XXXX/XXXX/XXXX 5.  XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 7. XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Also, I have XXXX collections on my credit report for Experian : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$940.00}
I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX Dates : XX/XX/2017 XX/XX/2017 XX/XX/2017
I contacted XXXX XXXX XXXX to provide me with proof that I authorize a hard inquiry on my credit report they failed to do so therefore they are in violation of the Fair Credit Reporting Act section 1681 if they don't remove my hard inquiry I want {$1000.00} dollars. They sent me a letter telling me to contact another company but XXXX XXXX XXXX name is on my credit as a hard inquiry it is there job to provide me with proof I authorized
In   XX/XX/XXXX , I along with thousands of others lost my house to flood waters. Since that time I have paid {$55000.00} out of pocket on repairs. After sending in information to the Carrington Loss Draft Department several times starting on  XX/XX/XXXX , I was just informed today,  XX/XX/XXXX , that one of the notarized documents is missing the property number. I have spoken  to a review board and several employees in t he Loss Draft Department over the course of the last month , and never was this  mentioned.I also found out that the documents were reviewed on  XX/XX/XXXX , the same day I was told that disbursement was requested. I was informed that I should call back in 24 to 48 hours for the details of my check. When I called they told me there was a problem with my paperwork that they received a MONTH ago. The paperwork will be updated and sent in the morning, but it takes 24-48 hours to update the system, then it take 3-5 days to review, then another 3-5 days to cut a check, then it goes in standard mail to arrive to the consumer within 5-7 business days. This process is ridiculous. For 9 months I have been displaced. Since Carrington b ought my mortgage in  XX/XX/XXXX  I have not missed a single mortgage payment. I feel as though this company is in breach of the covenant  of Good Faith & Fair Dealing. An Attorney is being contacted to see if there is anyt hing that can be done about this. Hopefully no one else has to go through this struggle after losing everything they own.
I opened a Citigold checking account on XXXX XXXX, XXXX. I signed up with a promotion that said that were I to meet a certain set of criteria, I would receive XXXX ThankYou Points as a bonus. 

I confirmed multiple times with Citibank representatives via online chat that the bonus was indeed applied to my account. I have documentation of one of these interactions, which happened in XXXX XXXX. A representative, XXXX, confirmed that I had the bonus applied to my account, that I had met all the necessary requirements to meet the bonus, and that I would receive the XXXX ThankYou Points by no later than XXXX XXXX, XXXX. 

After XXXX XXXX had passed, I once again contacted Citigold online and spoke with a rep, XXXX. He told me that the promotions team would instigate an investigation about th e points. 

I then received an email from XXXX XXXX, from Citi 's Client Research department, who told me that " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. '' However, multiple citi reps had confirmed to me prior to the XXXX letter that I did in fact have the bonus attached to my account and that I would receive the points at the end of XXXX. I know the bonus was attached to my account, since I would never have consented to open the account and pay the $ XXXX monthly fee otherwise. I hope Citibank follows through on its promises and sends me the promised XXXX ThankyYou Points.
Wells Fargo Home M ortgage is reporting incorrectly as a foreclosure on my credit file with all  XXXX  of the major credit bureaus. The property was not foreclosed on it was an approved short sale that went thru to completion/ closing without any problems. I previously disputed the status of the account with the credit bureaus however the only change was to note that I disputed the account.
On XXXX XXXX, 2017 my wages began to be garnished without any prior notification written or by phone. I had no idea who it was that was garnishing my wages, but after searching I found out that it was Great Lakes Financial. After discovering this I got in contact with them. They told me that in order to stop the garnishment I needed to send them last years tax information. I sent in my tax information on XXXX XXXX, 2017 but I also informed them that it was not an accurate representation of my family 's current situation, as we now had an additional dependent in a XXXX XXXX and also that my wife was no longer a full time worker but a part time worker and that she had been on XXXX leave for 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX) and had received partial pay during this time and no pay toward the end of the XXXX leave. They never took this into account during there calculations. On XXXX XXXX, 2017 I set up payment plan for my student loans. It was discovered that I met the financial requirements for hardship at XXXX XXXX monthly payments. They did n't tell me that even with me making payments that they would not remove the garnishment. XXXX XXXX, XXXX I submitted more financial information and how the wage garnishment was effectively putting my family of XXXX in to red to the company, to which they acknowledged but said I would have to continue to pay the hardship rate of XXXX XXXX monthly for 5 payments and continue to have 15 % of my wages garnished. The company said that  even though my family was in hardship they would not remove the garnishment. I do n't understand how it is that my family qualifies for hardship but is still be expected to pay for the loan and have wages garnished each pay check and survive. It has become a struggle to even afford baby formula and we are falling behind on our bills. I feel that I was mislead especially in the beginning of the process and given incomplete and incorrect information, Great Lakes seemed uncaring of the financial situation my family is in, even going as far to say that in order for them to address the situation i need to send them an eviction notice. I understand that i am responsible for the loan and I plan to repay it. If I had received notification I would have addressed this issue sooner. I feel the stain that has been put on my family by the current payment is n't sustainable and is unnecessary. I also filed a XXXX ( XXXX loan forbearance form ) which I should be covered under but have n't gotten a response.
My home phone number is XXXX. My name is XXXX. CCS, a debt collector, their phone number is XXXX keeps calling on a debt to a person by the name of XXXX all hours of the morning and evening. Most recent call to us were made at XXXX and XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX and XXXX XX/XX/XXXX. I have continually told them I am not this person and have no relationship to this person. They say I will not be called again and they continue to call, this has gone on for months. The last time they said that this number was removed from their system in 2013 and they have no record of the auto calls. My name is XXXX and I can not get them to stop harassing me for a debt that is not ours. These are the most recent calls from my caller ID, even though there have been substantially more.
XXXX XXXX XXXX, XXXX, CA XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau : Complaint regarding XXXX XXXX XXXX XXXX XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Dear Sir/Madam In XX/XX/XXXX, I stopped receiving paper bills from XXXX XXXX XXXX XXXX XXXX. 
Without informing me this company changed to e-bills, and I did not know this had happened. 
Unfortunately, this product has not performed properly or legally and the service was totally inadequate. They then to my surprise and shock, they reported this to XXXX  and my score dropped by 100 points. 

I spent the next months until XX/XX/XXXX to try and remedy this. I made numerous ( up to 30 ) phone calls to ask what's wrong. Either the line was busy, or the wait was over 45 minutes. The operators, once I was able to get through, could not speak English properly and/or they did not understand my questions. Sometimes they even hung up on me. 

To resolve the problem, I would appreciate your help in reversing my Credit Score problem. 

I look forward to your reply and a resolution to my problem. I will wait 3 more months before seeking third-party assistance. 
Please contact me at the above address or by phone XXXX Yours truly, XXXX XXXX
We have had our home mortgage with Wells Fargo for 7 years. We have had no issues in the past. The end of XX/XX/XXXX, we decided to take all of our checking and savings accounts to Wells Fargo. I made my monthly mortgage payment on XX/XX/XXXX. I made the payment through my new online Wells Fargo Bank Account ... thought the bill pay system. The amount of {$1300.00} debited my bank account the following day. 4 days later we received the courtesy call that our mortgage payment was late. I immediately called Wells Fargo. Online banking services could not help me, so I was transferred to mortgage department. The representative I spoke with was extremely nice, and very helpful. I explained the situation, and she even contacted banking services. She told me they could see where the funds were debited, but were not sure why they had not reached the mortgage department. I told her I was a little confused, since they are all Wells Fargo accounts. She said my payment would be applied in usually 5-7 business days and no late fees would be charged. Fast forward to almost 7 days later, and my mortgage had still not been paid. I called again..spoke to two representatives who were of no help. I called again, and then spoke to 4 representatives, until finally someone made a claim on my account and assured me that it would be resolved. 7 days later, on XX/XX/2018, I receive and email that my claim has been resolved, with no description as to how. I call online banking services, she will not help me. I call Mortgage Services. The representative was very helpful, but explained to me that for some reason my payment had still not been applied to my mortgage, but was being refunded to my bank account. I could now make a payment of {$2600.00} to make my mortgage current. I still have not received the funds back in my account, and I will not be making a payment until I do. I will also be going to the closest Wells Fargo location to make a formal complaint. I am also asking for my mortgage account to be credited for the payments of XX/XX/XXXX and XX/XX/XXXX. It does not make me feel very reassured that no one associated with Wells Fargo can tell me where my money is currently located!
Currently I have an adjustable rate mortgage on my condo with Mr. Cooper. I want to know who is the investor/owner of my mortgage. The reason is that I need permission to move my condo into my revocable trust. 
Starting in XXXX, I placed several calls to Mr. Cooper. Supervisors were evasive and didn't want to give me any information about the mortgage owner or whether I could move my condo into the revocable trust. My attorney at XXXX and XXXX told me I needed permission from the mortgage holder to do so. In mid XXXX, a supervisor told me to email " XXXX '' to get the info. I did so twice and didn't hear from Mr. Cooper. About XX/XX/XXXX, I spoke to XXXX XXXX XXXX who identified the owner of the mortgage by the code- XXXX. He understood what I wanted, and said he would see if it was possible for me to move my condo into the trust. He gave me his email address, " XXXX '' or XXXX. I wrote to XXXX twice, the last email was XX/XX/XXXX. I have not heard from him. When I last spoke to XXXX, he told me he saw that all my calls were noted as well as my email attempts. I need your help to get my info and move this along.
There are credit inquiries on my report which was not authorized by me. I have contacted  XXXX  Customer Care in order to delete these unauthorized credit inquiries which is affecting my  credit score, but they denied to do so. I hope you will be able to help me get the Unauthorized credit inqu iries removed from my credit report.     Following are the credit inquiries affecting m y credit score on   XXXX  :  XXXX  on  XXXX   XXXX  on  XXXX   XXXX  on  XXXX   XXXX  on  XXXX
I have a credit card with Citi Bank. 
I travelled to the XXXX in XXXX XXXX. 
I had a car crash there and I was hospitalized. 
I could not make any contact with any of my US banks for several weeks and could not make payments ( for 30 days ) to XXXX accounts. XXXX with Citibank simplicity credit card and XXXX to XXXX XXXX XXXX auto car loan. 
In XXXX XXXX, I returned to the U.S. after extensive recovery. 
I Spoke to both companies. 
XXXX XXXX 's Vice President of Operations - XXXX XXXX XXXX - understood my situation and acknowledged it was a mitigating circumstance, that I was NOT under financial hardship ( as I have paid religiously on time for several years without one single missed payment ). hence XXXX requested from the credit reference bureaus to rectify and remove the delinquencies from my credit report. The delinquencies have since been removed and reflected in my credit history and credit score. 
Unfortunately, Citi bank credit card department ( and their credit dept. + policy dept. ) refused to take into consideration any of my mitigating circumstances and refused my request. 

Their reason was : " its not a Citi bank error ''!!!! 

This is very unfortunate despite being a loyal customer with them and had never previously missed a payment on my credit crd with them prior to my car accident. 

And just like that, without any common human decency or appreciation for what I went through in the XXXX, they flat out behaved like a heartless robot and kept the delinquency on my credit report. Now this is hampering my ability to borrow or use my credit history. 

I ask for you to investigate Citi banks policy regarding this unjustified flat out refusal to help me restore my credit history to its pre-accident state. To help me, their customer, when I needed them most. 

Sincerely, XXXX XXXX
I received a call from XXXX XXXX, didnt say the company name other than the transcription of the voicemail she left. I called her back and they said that I owe {$910.00} and they will settle for {$760.00}. They said it was from prior to 2013 but didnt have exact date and amount. I asked for documentation because I do t recall this and she said I would need to get my attorney to request that at this point and I only had til XXXX to resolve this issue. Here is the transcript of the voicemail that was left prior to me calling back : special ending in XXXX my name is XXXX  ______ I'm calling out of the processing division _ location services off of trying to locate XXXX XXXX of a formal complaint eight and three counts of raw charges that are currently pending against you please be advised it is in your best interest to make immediate contact with the _________ a senior associates in the legal department have already obtained to legal ______________ _ _________ case in court against you if you have a legal right to contact appointment directly prior __ processing which is scheduled to have local ___________ sent to your residence and ____ seven appointment to have your process please contact the legal department _____ __ XXXX XXXX  issues standard time today to possibly prevent any further charges moving forward against you carry supplies of XXXX extension XXXX please make _____________ case back it in XXXX this is your last and final notification best of luck to you ___________