WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX ,    2017  I saw a charge come through for {$59.00} that was taken by this company called  XXXX   XXXX . They stated that it was for insurance on a card. I informed them that I did not make that purchase and they wanted me to fill out this form and send back the card. I told them how can i do that if i dont have the card. So I went to my prepaid card company and they told me that I would have to send in a letter stating what happened in 10 days. I sent the letter but they stated that they didnt get it. Then I sent it in again and by this time it was after the 10 days so they stated that they wouldnt be able to issue a courtesy credit. They stated that they would just go ahead and dispute with the merchant. So they did and the long wait began. I was told that they gave them until  XXXX   XXXX  to respond and it was only  XXXX . I was very upset because im unemployed and have no other income coming in. I called alot to check on the status and every time i called it was a different story. So i wanted to cancel that dispute and put it in again just to get the courtesy. T his one representative told me that I can do it. SO when it was time for me to cancel the dispu te i was told that i couldnt and that it would be no guarantees that I would get the courtesy. So i told them to just leave it alone. I checked my account  XXXX  and the m oney was there but they took it right back. Its been one thinn g after the next. So  XXXX   XXXX  comes and they tell me to refax the written statement that they originally wanted. And today I was told that the merchant have until  XXXX   XXXX  to respond.
Each CRA has permitted the data furnisher to report in a misleading manner ( using different names phone numbers and addresses for each CRA ) as follows : Experian : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  : Name : XXXX XXXX XXXX Phone : None Provided Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Requests : Each CRA must provide the documentation used to verify the validity of this reporting. 
Each CRA must provide a copy of all information used as the source of this reporting ; also provide the names, phone numbers and addresses of all parties contacted in connection with the investigation. 
This account must be deleted.
I have been contacted several times by a collection agency claiming to be collo citing for a payday loan from several years past. I was threatened with wage garnishment, being sued and continued, more aggressive means of collection if I did not pay the debt right away. I naively mad XXXX apartment arrangement and provided by banking information. After, I felt unsure of my decision and consulted the alleged original creditor, of which there could have been XXXX possibilities, the " collection agency '' would not identify who it was. XXXX account had been placed with a collection agency, but not the agency contacting me, and the other possible creditor had no record for me any longer. I spoke with the correct collection agency and they no longer had an outstanding account for me, it had already been cleared. I immediately went to my bank and closed the account I made the payment arrangement with. Now, that company is calling repeatedly, both my personal telephone and at my place of employment, harassing me that I will be taken to court if I do n't pay. These tactics are not used by legitimate collection companies, and these people wo n't stop, it seems. I have informed them I will not do business with them unless they provide proof of debt ( which they refuse ) and they have been informed they are not allowed to call me at my place of employment. Yet, they continue.
I have XXXX separate accounts in my credit report that are in debt collections and I never tried setting up any accounts nor have accounts with any of the companies.
Experian is reporting XXXX, a collection agency collecting on behalf of XXXX XXXX XXXX. XXXX is reporting a debt over 7 years old and there is XXXX balance that was owed to the apartment community when I moved out. The reason I moved out was due to the apartment being infested with mold. After a reinvestigation, by Experian it was determined the item should be removed from my credit report, due to additional research and the retention time associated with this account. The item HAS NOT been removed and I have been denied a mortgage due to the item still appearing on my credit file. Please immediately remove this item!
Caliber XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX A complete short sale package was submitted to Caliber on XXXX/XXXX/XXXX. The buyers offer was at $ XXXX. On XXXX we were told the value came back at $ XXXX. On XXXX we were countered to $ XXXX. ( which just happens to be the amount required for a full pay-off - see attached ) We called in on XXXX and spoke to XXXX XXXX. She stated that 2 days ago the investor stated they would no longer offering short sales as an option for a distressed homeowner. The only option the investor would offer was a foreclosure or a deed-in-lieu. I requested a copy of this notification and she said she did not have that, but I could talk to someone in the short sale department. 

XXXX then transferred me to XXXX XXXX. ON A RECORDED LINE XXXX stated the investor just changed their guidelines regarding short sales. XXXX refused to provide anything in writing regarding the supposed changes. XXXX stated neither Caliber nor the investor has to comply with State Law regarding notifying the homeowner when any foreclosure prevention option is removed. 

Furthermore XXXX was sexist and diminutive to me on the phone, constantly interrupting me with his pathetic oh-its-not-me-its-the-investor-im-just-trying-to-do-everything-I-can-to-help VERBOSE VERBAL XXXX. Unfortunately for XXXX, we have done a lot of short sales and a lot specifically with Caliber, and I know for a fact that he is lying. Caliber is a foreclosure mill and quite frankly we expected to have to file a CFPB complaint in order for them to follow the law.
So far, on this file Caliber has been rude, lied, diminutive, sexist, XXXX, committed elder abuse and mortgage servicing fraud. 

Since we have to file a CFPB complaint on every single short sale we have done with Caliber would you like a copy of each complaint? 

I want the CFPB to pull the servicing records for Caliber, as it is obviously an internal guideline ( written/official or not ) to force homes into foreclosure. ( Again this is not the first time Caliber has made up fictitious guidelines with us. )
XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXXXXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX 's collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than XXXX dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over XXXX dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. XXXX solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( Transunion and XXXX  ). The data across the other credit bureau are not consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. XXXX completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights. You can not just update an original charge off amount without proper validation. Even if the updated charge off was accurate the balance would be wrong as I made more than XXXX dollars in paymen in the last 60 days as reported by your agencies and the balance should be lowered and settled.
This is a follow up to complaint # XXXX. 

In XX/XX/XXXX, I took out an installment loan with Big Picture Loans for {$1500.00}. The advertised interest rate was 57.35 % which in and of itself is outrageous. 57.35 % of {$1500.00} would be {$860.00}. The cost of the loan would then be {$2300.00} To date, I have made 12 payments for {$290.00} each totaling {$3500.00}, more than double the amount of the loan and {$1100.00} more than the cost of the loan with 57.35 % interest. 

BPL has me making 14 more payments for a total of an additional {$4000.00} making my amount paid in full {$7600.00}. This is 5 times the amount of the initial loan. This actually equates to 407 % interest. 

This is predatory and creating a financial hardship. Due to this exorbitant interest rate, I would like assistance in settling this loan for the amount paid to date ( {$3500.00} ). BPL will have profited nearly 2.5 times the amount of the initial loan and has recouped more than the advertised 57.35 % in interest. 

I have researched this company on the CFPB website and see this is a recurring complaint and the end result is BPL closing the loan as paid with the amount paid to date. This is the resolution I am seeking before my next due date on XX/XX/XXXX.
I have a variable rate and I understand completely that they can increase or decrease my rate at any given time. However since my credit is not good what I 've done is send in additional payments towards my principal to pay off my loan earlier ( since my loan did not have a prepayment penalty ). Now Select Portfolio is reducing my principal to elongate my loan term to the full 30 years. Keep in mind they are not increasing my interest simply adjusting the amount that is applied towards the principal, which is unheard of to everyone I 've discussed this with! As previously mentioned I fully understand they can adjust the rate but can they Legally reduce principal payments to maximize their profit? It is hard to belief this can possibly be legal, can someone please call me to explain. 

XXXX
XX/XX/XXXX received odd phone call from *restricted* number stating I had a pending court hearing with XXXX  County on XX/XX/XXXX @ XXXX  and they were wondering why I hadn't responded to papers that I was attending the hearing. When I asked for information they provided only the agency who supposedly filed the dispute ACR ( XXXX   ) XXXX and a file number of XXXX.XX/XX/XXXX I contacted ACR ( Allegiant Capital Recovery ) and spoke with XXXX XXXX at ext. XXXX. I requested verification of the debt along with the original account number. XXXX informed he was not required to provide any verification of the debt via mail or any other type of medium. He couldn't provide any additional information about debt but then generated a quick email about debt verification. He told me the original creditor and the agency that had the debt previously -- XXXX. The dollar amount of the debt was {$720.00}. I offered to settle the debt for {$500.00} on the spot and he countered with {$580.00}. I requested to talk to the original creditor and also XXXX  to validate everything. He said ok and to give a call back.XX/XX/XXXX I contacted original credit card vendor XXXX  and they provided phone number for XXXX whom they sold the debt to. Contacted XXXX and spoke with XXXX. Told her about the phone calls and was seeking verification of the debt and next steps. She offered to take payment immediately on the phone of {$500.00} and to contact ACR and pull the account back and mark as closed. I received a confirmation and approval email letter after submitting the {$500.00} payment.

XX/XX/XXXX received phone call from XXXX at ACR. Told XXXX that the debt has been settled with XXXX. He was irate telling me I had no right to work with XXXX  and then hung up on me.XX/XX/XXXX received second phone call from XXXX at ACR. Message stated that " 2-3 weeks ago he mailed me documentation of the debt and verification but that I refused to sign for the documents or never responded '' he went on to say " if I refuse to contact him by XXXX on that he would presume I am refusing to cooperate and he would begin preliminary actions against ''
Equifax refuses to properly report my student loans with XXXX and Department of Education/XXXX as being paid in full, closed, in good standing, with XXXX. I have provided extensive documentary proof numerous times but Equifax continues to stubbornly refuse to properly report these loans.
Back in 2008 I purchased a Cooperative. I recall the lender telling me that interest rates for coop are higher than for a condo ( fee simple ). Is this true? Back then I had a great FICO score but there was nothing I thought I could do to refute what she told me.
I was making my payments on time, I used to make payments in person, one day I went they had close the building And I went online and the website was close, I had no way of communicating with them, after 3 years I started getting phone calls, I already had lost my job but I could n't contact with Famsa I checked every way to contact them they all showed that they violated and had to close all XXXX in California.
Today, XX/XX/2019, I attempted to temporarily lift the freeze on my accounts at XXXX, XXXX, and Experian.

XXXX and XXXX allowed me to complete the transaction in just a few minutes online, using the PIN provided at the time the freeze was put in place.

Experian claims that you can lift a freeze online or by phone. I filled out the online form with all the information required ( including my PIN ), but was then told I would have to write a letter containing the same information, multiple copies of identification, mail confirming my address, etc.

I next tried to lift the freeze by calling Experian. No human speaks to you, you must place voicemail bingo. I entered all the required information, only to receive the same instructions about filing a written request. This has taken my about 1/2 hour of my time. Forget it. The account can stay frozen. If I could remove my information from Experian, I would.
I had another complaint where I complained that this company refused to give me my credit report. After I filed the complaint they sent me an online access code so I could see it. But the code timed out in a few minutes or when I refreshed my page. Then they refused access. I did not have time to read my report. I tried to call them about this but could not get past the robot. They seem to try to make this as inaccessible as possible while technically complying with the law that requires them to do this. It is very user-hostile. They do n't want to do this. My report has lots of inaccurate information but I ca n't fix it without paying or waiting another year.
XXXX, XXXX, and Equifax were contacted to dispute a negative reporting on my credit report. When they investigated they affirmed the negative report based on the collection agency 's affirmation that it was correct. According to the client of the collection agency it was a mistake on their part and was erroneous. You can not personally contact a credit agency to correct errors. It becomes a loop of non-contact with you continuously providing your social, address, date of birth and every time you do you expose yourself to identify theft. This must change and there must be a fair way to handle this.
I have received calls from multiple debt collection agencies, most recently " XXXX '', on behalf of " Citibank '' for " XXXX ''. I have no accounts, nor have I ever had accounts with XXXX. I have an account in good standing with Citibank with a XXXX balance. The collectors give my name and call my cellphone, but they do not have my address and they give a different social security number and age/birthdate. This is clearly a different person they are looking for. I am not sure where they obtained my cellphone number. I have been explaining this for several years now. I would like this to stop.
I have contacted Equifax several times by mail disputing hard inquires made on my credit in which I did not authorize and asked them to please remove these inquires. As of this date it has not been done.
On around XX/XX/XXXX l made a call to Capital One credit Department from my cell phone XXXX to apply for a Visa credit card instead of a Mastercard.

Capital One credit card Department approved Mastercard in ending # XXXX on XX/XX/XXXX and since XX/XX/XXXX l have been making timely payments each month.

On Monday.XX/XX/XXXX l made a call from my cell phone number XXXX to apply for a Capital One Visa credit card and Capital One Department administration Denied me the opportunity, because l am XXXX XXXX.

Capital One is in violation of my ADA Disability Civil Rights Act under Department of Justice.

Capital One credit card Department ran my credit with my Social Security number as Capital One already have all my information on their Data system.

Capital One credit card Venture card limit is around {$5000.00}.

I told Capital One, that l need it a Visa card to boost my credit scores so l can obtain a VA home Loan to purchase a home in XXXX, California and Capital One stated that they was going to provide me with support.

But, because l am XXXX XXXX and XXXX  l was Denied on Visa credit card.

I am been Discriminated and Retaliated as a XXXX XXXX XXXX and US Military Veteran.

My XXXX XXXX XXXX  pension income is sufficient equitable as l receive {$54000.00} @ year income from California Cal Pers XXXX    XXXX  pension income and is a XXXX XXXX income with a cost of living increase of 3 % COLA each year on XX/XX/XXXX.

I have made various calls to Capital One credit card Department to increase my Capital One Mastercard ending in # XXXX credit limit from {$500.00} to a higher amount.

But Capital One credit Department declines credit increase.

I am been Retaliated and Discriminated because of my National Origin and my file complaints against Capital One.
A collection just appeared on my credit file which I know is NOT MINE. I have n't received anything in regards to this. Please help it is showing as Southwest Credit Systems XXXX for {$1800.00}
On XXXX/XXXX/XXXX at XXXX EDT, called Citi at XXXX Requested Citi Thank you credit card account XXXX XXXX XXXX XXXX to be closed. After resistance and repeated attempts to retain the account, I was advised the account would be closed. I then received monthly statements ( No payment due ). I called again, on XXXX/XXXX/XXXX at XXXX XXXX. was advised a glitch in the system caused the paper statements to be sent and that at cardholder request, the account was currently closed. Since then, I have received numerous statements via mail, indicating I have no payment due, a XXXX cent credit balance and a credfit limit of {$6500.00}. The account was never closed despite my requests.
Sometime between XX/XX/2018 I contacted Santander to make the XX/XX/XXXX payment by phone using a credit card. The company refused payment, claiming they don't accept credit cards. I advised that I have a XXXX XXXX XXXX & the credit card is my only option for payment for the next few months. Santander advised that I find a way to pay using the card elsewhere when I complained that I should have been told this when the loan was offered. I contacted the company again in XX/XX/XXXX to explain that the credit card was my only option for payment & I would be late on payments until I could figure out how to use the credit card/get cash off it to transfer to Santander. I asked that they explain the terms of the penalty for late payment & the rep advised that the car isn't repossessed until at least 120 days past due & even then, there is a program to prevent repossession when significant hardship exists ( such as a XXXX XXXX XXXX ). However, that rep was not referring to the state laws where the vehicle was repossessed & a repossession notice was sent in 30 days to the old address XX/XX/2018 because the company failed to update the address when I contacted them to update it in XX/XX/2018. I found out about the letter ( XXXX letter, state of Minnesota ) when I called to modify the loan XX/XX/2018 & learned the car was " up for repossession ". I was then told that the company would work with me to resolve the payment issues without repossession. On XX/XX/2018 the car was repossessed while I was sleeping overnight & the company 's reinstatement rep advised that because I " missed ONE call '' 4 days prior, that they " thought '' they weren't a priority & repossessed the car ''. Not because I actually defaulted on the loan or told them I would default but because they called & didn't get to speak to me due to my being in meetings /driving & them not calling to follow up more than once, they repossess the car & tow it over an hour away because they assumed they were unimportant & could take the collateral for the loan.
My name is attorney XXXX XXXX XXXX, I contacted Bank of America to help with a pro bono case in which I 'm representing a relative who has experienced a financial hardship. Bank of America required that I file a power of attorney with the bank prior to discussing any of my client 's account information. Thus, I filed a power of attorney. 

It has now come to my attention that Bank of America has improperly added me without my consent as an authorized user on my client 's account in question ( XXXX ). I did not authorize and or provide my social security number, but was just alerted that the account in question is now appearing on my personal credit profile. I was just denied refinancing on my mortgage because of this unauthorized credit reporting by Bank of America. 

It is my opinion that Bank of America has violated the Fair Credit Reporting Act. I require that Bank of America immediately remove this information from my credit profile. It was explicitly clear in my power of attorney letter to Bank of America that I represented my client specifically as to the financial hardship with the purpose of resolving past due payments, and at no time did I request to be added as an authorized user. I believe Bank of America 's operational procedures are skewed and that one of the front line agent 's improperly added me as an authorized user and subsequently damaged my credit profile.

Again, my communication with Bank of America was very clear that I was ( 1 ) representing my client in attempt to resolve a financial hardship and ( 2 ) did not provide any consent to be added as an authorized user. I want to bring this to the attention of the CFPB, as I believe there are operational issues within this bank, that can lead to violations of the Fair Credit Reporting Act.
I will also be invoking any legal rights I may have in pursuing damages outside of this complaint process, not limited to but including litigation.
Santander Consumer USA auto loan contract at 18 % APR, when diving into the billing of why after so many years our loan amount wasnt changing, it was then explained that its 18 % DAILY interest on the balance owed. 

I was called and solicited by Santander saying i qualified for reduction in payment for 6 months, what they didnt say is that this was going to be interest only payments, and not advise it was hurting me in the long run and tacking on 6 more months to my maturity date. They used words like 'congratulations, you qualify for this 6 month deal '. 

We have tried to argue their billing practices. About 70 % of each payment was going to interest, and even if making payment on same day each month, it seemed to fluctuate which amount was going to the principal. 

We have put in several complaints, even to their Office of the President. They called on XXXX XXXX, my father ( cosigner ) is a veteran, and i told them do not call back on that day. They put in a cease and desist on our account, which included not sending any billing invoices, statements etc! This was not asked for, and they still should be generating the statements online, and that wasnt that case. So we lost all visibility to our account during that time ( approx 3 months ) until we told them to remove that cease and desist we didnt ask for.