WillisBack/dataset-financial-user-claim huggingface dataset:
Please help CFPB and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from LENDINGCLUB showing a charge off of {$0.00} from 2011 with $ XXXX monthly payments. I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with LENDINGCLUB. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LENDINGCLUB provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that LENDINGCLUB   Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I found an unauthorized charge in delinquent status on my credit report. It was from a credit card that I have never used, but had the account open ( online nor the card itself ). I disputed it on XXXX Dispute and reported back that the information on the report is accurate. I am unsure what that means, and have not been able to reach out. I called the credit card company, XXXX, and told customer service that the charge on that account was fraudulent ( XXXX charge for XXXX ), so she turned off the account and anyone authorized users, and marked the transactions as fraudulent.
Trans Union is not responding to my requests to investigate and remove accounts from my credit file that were opened fraudulently.
I submitted Payments on a Monthly Basis of {$430.00} US Bank Is Claiming I never paid when I did. I than call The Company and they take my call and than put me on a long hold of XXXX to XXXX min why they claim to check records
In XXXX of 2015 I called Ally Bank and was asking about a refinance due to a job loss. 
I ended up doing a skip a month. However the agent put in the wrong que so I got charged for the refinance charge. I did not realize the mistake until I received a call about a pass due amount, which I did not owe. I have spoken to the bank several times, they have acknowledged they made a mistake, yet they will not remove the black mark. They tell they are but it does not happen. Last month I was turned down for XXXX new jobs because my credit rating dropped XXXX points. In checking, I see now that Ally reported me over 60 days late for a car payment, which is not true, its their mistake that is showing the error. I have called there to get this corrected but they just are not doing anything. I do n't know what to do and I need your help. Ally knows the mistake is on their end, but the collections do not take the time to read all of the history. This is causing me much distress and I am loosing jobs, that I badly need because of their neglect. Can I sue them?
There is currently a debt in the amount of {$170.00} owed to Advance America for an online payday loan. I receive calls from this company three times per day everyday of the week Monday throug Saturday, always between XXXX and XXXX, XXXX and XXXX and XXXX and XXXX daily. I have spoken with them and asked that the volume of cals be decreased and was told " as long as there is a debt owed, We ca n't stop the number of calls. ''
On my Chevron Texaco card I have XXXX balances, XXXX for purchases and XXXX for cash advances at a higher interest rate. I called because I wanted to pay my minimum and to make an additional payment to pay off my cash advance and was told I ca n't do that. In order to pay off my cash advance I have to pay off the purchases portion first. This seems wrong to me. I would never have used the cash advance feature if I had known this.
The company XXXX XXXXXXXX XXXX also going by the name XXXX XXXX XXXX reported my cell phone account with XXXX XXXX XXXX to XXXX as being unpaid. Said company did not validate the debt nor did it give me the opportunity to request validation and did not correspond with me at all and in truth this debt has been paid. The company has therefore violated the Fair Debt Collections Practices Act and needs to remove the false information from my credit report immediately.
I have a home equity line with bbva compass bank in XXXX Alabama and I had it for years with no problems. The bank suddenly decided to suspend my account and close it and force me to Pay back the loan over a restructured payment plan over 15 years. I am current on my payments and I was never late so I do n't know why they are doing this .the account was active and in good standing
Bank of America claimed their credit cards came with " {$0.00} Liability Guarantee '' but they kept charging me back and making me pay for the fraudulent charge again, again and again ( three times ). XX/XX/XXXX I found a fraudulent transaction from XXXX ( {$XXXX} ) since I have never signed up or used their service, I called Bank of America and they closed out the card # XXXX issued me a new card # XXXX and on XX/XX/XXXX they credited my account for {$XXXX}. XX/XX/XXXX XXXX charged me again and I called Bank of America and the agent made a three way call to XXXX and XXXX credited me on XX/XX/XXXX. XX/XX/XXXX Fraud Dispute charged me {$XXXX} and I called Bank of America and explained the situation and the agent credited me back on XX/XX/XXXX. He told me XXXX has refunded BOA. XX/XX/XXXX Fraud Dispute charged me {$XXXX} again and I called Bank of America, the agent told me since XXXX refunded me they had to charge me back. She disregarded the fact that XXXX has charged me twice and only refunded once. I requested to speak with a supervisor and the supervisor XXXX told me they needed to close out the card to credit back. She issued me a new card # XXXX and credited me back on XX/XX/XXXX. The entire phone call lasted almost two hours! XX/XX/XXXX Fraud Dispute charged me {$XXXX} the third time, I called XX/XX/XXXX and explained the whole story again to an agent XXXX and then to Supervisor XXXX in Arizona. He told me the case was in the claim department and I would get credit by the statement closing date which was XXXX XXXX. But this was not true as they have never credited me back. I filed this complaint for the following reasons : 1 Bank of America allowed an unauthorized transaction to occur and this was the second time. ( The first time was in XX/XX/XXXXwith the same account. ) And this time they are not making good on their terms " {$0.00} Liability Guarantee ''. 2 Every time they change a card number I have to update all my payment information. 3.Bank of America sent me total 4 letters telling me why they needed to charge me but none of the letter has a name that I can contact. And every phone call take more than an hour! In summary these are the transactions on my statements : XXXX XXXX charged XXXX XXXX Fraud dispute credited XXXX ( closed out card and issued new one ) XXXX XXXX charged XXXX XXXX XXXX refunded XXXX XXXX Fraud dispute charged XXXX XXXX Fraud dispute credited XXXX XXXX Fraud dispute charged XXXX XXXX Fraud dispute credited XXXX ( called XXXX closed out card and issued new one ) XXXX Fraud dispute charged XXXX XXXX called XXXX XXXX ( supervisor ) in AZ said this case was in claim dept and they would credit back by XXXX statement closing date. But it has never credited back.
I have received repeated phone call voice mail messages from a " debt collector - CBE '' with a phone number of XXXX. They do not say who they are calling for. 

They ask us to call them back. When I do, I get no one, line busy, or message saying no one is available & hangs up or something. 

As far as I am aware, I do not owe anyone any money. I have not received any invoices from anyone, nor have I received anything from this CBE company by US mail. 

I believe this company, phone number, and messages they leave me to be some sort of scam company or that they have the wrong phone number. 

In your form, I had to state who this pertained to - myself or someone else, and since you did not have an " I don't know '' option there, I typed in my name & contact information, but this company has never left a person 's name that they are calling about.
2006 started XXXX College with a Student loan through XXXX XXXX  The amount was around 10,000. I was suppose to begin payments after the school year ended. I was not working at the time just attending school. Second month in they started trying to make me pay XXXX a month on that loan. I went to the school and spoke with the loan staffer there that helped me apply for the loan whom basically told me to suck it up and make the payments. I then contacted XXXX XXXX and got the same answer. As I was not working at the time I could n't make payments. It went into collection before I even finished school. They started taking my taxes and another company contacted me, I believe Nievient? Not certain of the spelling saying they 'd work with my income at the time stating it 'd not be above 50 a  month based on income. For about 6 months those payments were made on time and for the amount but, on the 6-7 months they jacked up the prices to XXXX a month and threatened to sue me if I did n't pay. Threatened me personally by saying I was a horrible human being for not paying my debts and other nastier comments. I stopped paying. They are again taking my taxes.
XXXX  is collecting an account for  XXXX . I have never had an  XXXX  in my life. I can find nothing old on my credit report th at may ha ve been purchased by  XXXX  ..or ch anged to  XXXX . I disputed this with  XXXX  and the credit bureaus and they left it on my file.     Account number listed on bureau  XXXX  Amount listed {$340.00}
I keep getting automated calls that they will contact the Attorney Generals office and file a warrant on me. They have contacted family out of state saying I have a legal matter to take care. When talking to a person on the phone I requested verification of debt and I stated I was not giving my credit card information to a stranger over the phone, she then told me she could not help me and legal action would be taken. I hung up the phone and she called back seven more times in a row after I requested to not be contacted again.
landlord maliciously file for eviction all the time and tenants do n't know theirrights so these bad reports ruing you for a long time.
JPMorgan Chase Bank , N.A . XXXX XXXX XXXX, XXXX, OH XXXX. Notice of Substitution of Trustee was filed XX/XX/2015. On XX/XX/2015 lender did n't get order and has not moved forward. The homeowner has been gone for over a year & the property is in bad shape. Would like to know why it is taking so long to foreclose on this property. The HOA is having to report the property to the City to see if they can do something.
USAA reporting late payment and upon review of documents submitted previously I still maintain the following which this company has yet to address : " USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. OnXX/XX/XXXXUSAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired in XX/XX/XXXX '' SEE ATTACHED EXH A. Sure they called XXXX XXXX several times but we all know the amount of nusiance calls received, however, that does n't get USAA off the hook for failure to contact me. I checked my credit report and it lists my employer and phone number. They could have easily contacted me to resolve the missed payment. I also have the absolute right to know I signed for a loan and review for proper contact information. If this turned out to be fraud what would USAA do exactly. They fail to address my issue or return my phone calls. Look I am still in college and this has tanked my credit score. I have attempted to contact USAA and left numerous voice mails and NO ONE returns my call. Who do I complain because this company does n't return phone calls and I 've returned calls multiple times with no response. I do work and attend school and they make no attempt to return my calls. My most recent filing was closed as no further information provided. I want to know that if I allow someone to use me as co signer and the loan is done electronically and I do n't have an opportuntity to correct wrong information provided by a third party it is not my fault. How does a lending institution make a loan, advise consumer you are a co applicant and the very first document sent to advise is RETURNED. That should have been a RED FLAG to either put the funds on hold or figure out a way to contact me with any numbers/address listed on all major credit reports. I need this issue resolved and USAA is unreasonable in attempting to resolve the issue
XXXX XXXX. 

On XXXX XXXX, 2016 Banco Santander forwarded a letter to me advising me of a second notice of payment. This letter was given to my son by a neighbor which we do not know, because it was placed in their mailbox incorrectly. 
The issue is that Banco Santander violated my privacy by providing in clear view inside the address window my full name, address, the reference being a personal loan, including my account number, the total amount due for the loan, and that it was a second notice. 
This violated my rights by a financial institution by providing in open view private information that should have not been previewed in plain sight. 
I made contacted Banco Santander on XXXX occasions. XXXX XXXX ( supervisor ) on XXXX/XXXX/2016, And XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX. As of this date my financial institution has not return my calls made any attempt to contact me nor provide a resolution to this date. 
This issue openly embarrassed me in front of my neighbors, and my children. I formally request an investigation, and fines to correct this abusive practice by Banco Santander. Enclosed are pictures of the envelope as received.
I received a copy of my credit report in XX/XX/2018. I noticed that Credence Resource Management had placed a derogatory item on my report and had not ever notified me that they were attempting to collect on that debt. I immediately drafted a dispute to Credence ( see attached letter dated XX/XX/18 ). In this letter I formally stated that I was disputing the information they were reporting but moreover, I was requesting validation of the debt. Credence to date has not responded. I have not received an agreement with the signature of the alleged debtor wherin he/she agreed to pay the creditor ; have not received the date this alleged debt became payable ; what the original delinquency date was, nor did I receive complete accounting of the alleged debt. The entry lacks veracity and due to the fact that Credence has yet to respond, it appears that they do not have any documentation to justify that they are reporting 100 % accurately, time and verifiable information. Per return receipt ( see attached ), Credence received my dispute on XX/XX/18. FCRA provides that they had 30 days to respond to my dispute. Being that Credence is violating my consumer rights and did so knowingly without providing me a dunning letter, yet they continue to be in violation with this reporting ; this item must be deleted immediately from my credit reports.
yesterday i checked my credit report through Experian and i found many incorrect informations about me as : 1- My first name 2- My last name 3- My mailing address so i contacted the XXXX '' which is credit report Agency to ask about this wrong informations they told me this informations has been added by : XXXX XXXX which is sent to XXXX XXXX by Quality Asset Recovery I didnt authorize this action Quality Asset Recovery sent : 1- My social Security Number 2- they violated my privacy when i was patient 3- by sending this documents to XXXX XXXX about my illness they violated Section 264 of HIPAA Law violated 5 USC, section 552A 4- i sent them cetified letter 2 month ago to ask them about this collection account they didnt respond me yet untill now due to the FCRA they should respond before 30 days or they have to delete the collection account they didnt do any of these 5- i filed dispute regarding this collection account on the XXXX credit report agency 2 month ago and due to the investigations it has been deleted from my credit report but the collection agency reinserted the collection account on XXXX and XXXX without sending my any mails the section 6o9 of the FCRA says before the collection agency reinsert the collection account on the credit report they have to send mail regarding the collection account before they reinsert it their phone number : XXXX XXXX XXXX their mailing address : 7 XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX - they added a collection account to my credit report for service which is i didnt use and i didnt ask for this service ( I didnt use or receive any services from this company the collection account number is : XXXX 1- I need them to delete this incorrect informations from my credit report 2- kindly they have to get this collection account removed from my credit report from XXXX, XXXX and all credit report Agency which is having my credit report and this collection account on it unless i will have to show up in the court asking for XXXX for each incorrect information they added to my credit report without my autorization +XXXX USD for sharing my Social Security number informations with unauthorized company +XXXX USD for violating my patient Privacy
While in the process of trying to get a home, I discovered that my score was lower than it should be, due to two new collections being reported by Commonwealth Financial as of XXXX 2017. I do n't understand why I would have new medical debts, since I am insured, but I am especially confused by how a company that is n't licensed to collect in my state ( Florida ) can be reporting and verifying debts to reputable bureaus. I have had this issue with the same company in the past ; Commonwealth was apparently trying to collect these same accounts from me about a year and a half ago. I was, luckily, able to have the accounts removed from my credit report after disputing them. But it is very stressful to see they can just continue to report new, erroneous debts whenever they 'd like.
After Wells Fargo erroneously reported my account as delinquent to the credit reporting agencies, I setup auto-draft for my payment. After setting up the auto-draft, I received a email confirmation that only the payment amount would be drafted. When the payment drafted, it was more than double my payment and what was stated in the email confirmation. The next month, the same thing happened and I received a call that all would be resolved and never received another response as promised by the caller. After following up due to how funds were missapplied and reapplied, I finally received a letter that contained 2 previous letters that I somehow did not receive, letters I am sure were doctored and backdated after my last correspondence with them. The letters admitted that funds were erroneously applied, but also stated that I agreed to have late charges drafted out of my account, which I never did. They included a letter from XX/XX/XXXX that I never received, so when I went to check my wells fargo account inbox to validate that this " letter '' sent XX/XX/XXXX ( supposedly ) via regular mail was the same as the electronic confirmation that I received in my account inbox, S\surprisingly, the confirmation from the auto-draft is no longer in my inbox. I find everything that this bank has done as highly suspicious and more than despicable business practices. If they just admitted that they misapplied payments that they drafted, I could possibly understand, but to mislead consumers in electronic communication, state that they sent letters that I happen to never received ( I am sure the letters included in their last correspondence were falsified documents ), and then offer no remediation for their callous and unscrupulous behavior is appalling considering their recent scams. However, I guess I should not be surprised. Additionally, they have reported that my account was one month late when I paid the account before a month had expired, therefore the payment was not one month late. Although I have explained this several times, I find it hard to believe that a company full of bankers can not count or can not determine when a full month has elapsed. However, I guess no one can expect much from such a criminal bank such as Wells Fargo.
I entered into a repayment plan with National Recovery signed by me on XX/XX/2018. I made two accelerated payments, per our agreement, with the 3rd payment to be paid now on XX/XX/XXXX, which would cancel the wage garnishment and start getting my student loan out of default. On Friday, XX/XX/XXXX, I received a call stating that the company is not honoring that agreement nor the payments I already made and I am considered to be in straight default and my wages will be garnished. I have given them all of my financial information including a financial affidavit.
Chase Ink credit card advertises XXXX points for every {$1.00} spent on wireless services. On XX/XX/2016 I made XXXX transactions to pay XXXX bills. {$21.00} and {$2100.00} Chase did not award me XXXX points as expected. Upon complaining Chase claims that it is due to the way payment gets coded. This isnt something Chase explains to customers. I think this is a clear case of FALSE advertising and UDAAP Violation. I would like CFPB to help me solve the issue and get me the points I deserved to get in the first place.
On XXXX/XXXX/XXXX - I called my bank ( and employer ) to check to see if I could refinance my mortgage. XXXX provided great service. She ran all the numbers and saw where I could lower my mortgage by XXXX. During the application the " ratio '' came out too high ; So we could n't continue with the application. 

After the call, this disturbed me ... I am already paying my current mortgage ( without incident ) and there is an opportunity for me to lower it by XXXX and the application system wo n't recommend it - this seems really unfair ( almost illegal ) ; I asked that they relook at the application - The decision not to move forward would seem logical to me if I were requesting adding additional credit, etc ; but if I 'm eligible for a reduction and my financial state is the same or better ( as when I originally initiated the mortgage back in XXXX ) why should I be denied this opportunity