WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted to obtain a home loan and because I had some medical accounts showing as in dispute, I could not be approved. In numerous occasions I contact XXXX and Transunion, via phone, fax and document upload directly on their site to inform accounts were no longer in dispute. I spoke with various representatives who either said they showed no disputes open or would put in a request to have remove dispute marks from accounts. I have waited months and my report still shows dispute remarks on those account. Unfortunately, I was unable to purchase a home for my children and me because of this.
Convergent has re aged and reinserted the alleged debt from XXXX on my Credit Reports. They are listing this account as having activity in XX/XX/XXXX which is incorrect and a violation of the law. 

These trade lines were removed as a result of a dispute by me in XX/XX/XXXX. 

This reinsertion came with no notification in writing to me. I noticed when I pulled my reports.
Bank of America - I have left strict instructions that I should not be called on my cell phone during business hours with BofA many times. I was involved with the Country Wide Bank of America scandal back in 2008 and have a long history with BofA. Currently, I am current on my mortgage. I have been getting collection calls from BofA that are threating in nature and very rude. They were threatening foreclosure when my mortgage is not even 15 days late yet. I do n't even have a late fee at this point. I have been over 15 days but under 30 days late in the past. I have been late 1 time over 30 days in the past 12 months. To get a threatening call ( i have the voicemail ) about my account at this point is harassment. They are calling my cell phone during business hours to leave these messages. Can you help stop these harassing calls? Thanks XXXX XXXX XXXX
In answering complaint XXXX Wells Fargo wrote two letters dated XXXX XXXX, 2016. (Enclosures B & C to the answert of Wells Fargo to my request)Both letters misspell my name. One totally butchers my first name, the other my last name. Is this an indidcation on the thoroughness of Wells Fargo's work? In both letters Welss Fargo promisses to remove or reclassify the inquiries which were made about my credit report with XXXX, XXXX, XXXX, and XXXX.I just checked my XXXX credit report and none such action by Wells Fargo is reflected.
My husband obtained a Best Buy credit card and I DID NOT apply for this card. Best Buy added my name to the card as an authorized user at some point. My husband 's failure to make payments has resulted in my credit being negatively impacted. Best Buy refuses to supply the original credit application to verify who signed up for this card. They continue to say that I am responsible for this debt.
This letter was sent to XXXX XXXX XXXX of XX/XX/2017. 

XX/XX/2017 Dear XXXX XXXX  XXXX, It has come to my attention that payday lenders must be licensed by the state of Michigan to offer loans to it residents and your interest rate should be capped. Since your company has no license in my state, and you have illegally charged me with a high interest rate, the loan contract I have with you is believed to be not valid. Although I was not legally required to do so, I have repaid the principal balance of the loan. I received a deposit of {$600.00} on XX/XX/2017 and have had 5 bi-weekly withdrawals of {$120.00} debited from my account. This results in payments totaling {$630.00}, therefore I will be making no further payments. 

I am also revoking authorization for any wage assignment I may have signed. Any future attempts to collect funds in the manner will be blocked. Please respond to this email with acknowledgement that my account has been satisfied in full via email. All future attempts to contact me should be by email only at XXXX. Please discontinue to call me at home and or at work.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
I got a loan with XXXXCash call. they take XXXX out the XXXX of the month. I have been paying on this for XXXX plus years. I for sure already paid this off but I cant find where to log in at to check. the numbers I am calling for Cash call ( XXXX ) goes to voicemail. I am beginning to get nervous as I have read on here lawsuits against them. I am an OHIO resident and believe they are still taking money when they should n't be. PLEASE HELP!!!!!!
I was overcharged an insurance premium ACH on my Nordstrom XXXX Card. I 've had my card for 12 years and never disputed a transaction before now. Customer service told me to download and print ( print! ) their dispute form, fill it out by hand and fax it ( FAX???? ) to them. They will review it within 30 days. I 'm disputing over {$2000.00} and this is how responsive they are.
This is the second complaint for this Company XXXX XXXX XXXX XXXX.I reported and issue on XX/XX/2018 to CFPB on this account in question compliant ID 1XXXX.The results came back that they did not have the information need to add this account on to my credit report. It was closed on XX/XX/2018 stating they were going to remove it from the all 3 credit bureaus. It was removed from XXXX and XXXX but not XXXX. I did a dispute on XX/XX/2018 with XXXX they responded that XXXX XXXX XXXX XXXX states its a valid account. I don't understand how they can say on XX/XX/2018 that's its valid but on XX/XX/2018 they was going to remove it from all credit sites. It has passed the 60 days from XX/XX/2018 for the removal. I would like to get this account removed off my XXXX report ASAP.I feel due to the circumstances with this creditor, I should not have to wait any longer due to the issue should have be handled by now. 
NOTE : I had to DO 2 DISPUTES WITH XXXX  to get it removed after they replied to the CFPB stating it would be removed. 

CFBP COMPLIANT NUMBER : XXXX XXXX XXXX File Number : FILE NUMBER is XXXX
In XX/XX/XXXX I opened an account with XXXX wireless service, with XXXX phone lines. The second account # XXXX was charged off and closed in XX/XX/XXXX. The first account # XXXX account has been " sold '' XXXX to a collection company. The problem is once a collection company gets the account it reports the date of when the account went bad to the date that the collection company bought the debt. A collection company named Pinnacle, is using XX/XX/XXXX as the reporting date. I have asked for proof from the credit reporting agencies. I received a letter from XXXX saying that they have conducted an investigation and that the information they received from XXXX was accurate. I am requesting a that your agency request the information, I am confident it will show that this XXXX account is past the time to be reported in a credit file. And In am requesting that this account be removed from my credit report.
I have asked National Credit System to validate a collection they are reporting on my credit reports. On XXXX/XXXX/XXXX I asked National Credit System for a contract with my signature. On XXXX/XXXX/XXXX I receive a letter saying 'We regret you have failed to make suitable arrangements concerning the above reference account '. On XXXX/XXXX/XXXX I again ask Nation Credit System for a contract with my signature. On XXXX/XXXX/XXXX I receive a letter showing me a plain old bill. They have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I received a private student loan from XXXX XXXX ( now called Navient ) for XXXX, XXXX, and XXXX. When I XXXX I had the loans consolidated in XXXX XXXX through XXXX ( now called XXXX XXXX XXXX ). I was still paying off federal loans through Navient, and in XXXX my student loan payment increased and I thought it was because my federal loan repayment plan changed. I continued to pay through XXXX. 

After speaking to a financial advisor and looking at all my documents they said that I have been paying XXXX companies for the same private loan. I was shocked and upset. I called Navient and they told me they had no record of a consolidation filed. I then contacted XXXX XXXX XXXX and sent Navient copies of the cleared checks they received and all of a sudden it showed up on their documents. When I last spoke with a representative from Navient they changed their story saying there was a consolidation and that what I have been paying for since XXXX is the interest due on the private loans. That makes no sense, because the consolidation from XXXX covered all my private loans thus I would have no accrued interest owed to them. I have contacted Navient saying I will not pay the rest of the balance because I have been charged by mistake, and sent them all the correct documents, yet they continue to call me everyday.
I am being contacted by a law firm for ocwen threatening foreclosure and to sue me for attorney fees despite XXXX of debt paid into a chapter XXXX and on the advise of counsel converted to a chapter XXXX. I have asked for assistance year over year. It is clear my loan was a part of mortgage fraud and greed. Yet I am left with nothing. Ocwen did not once attempt to call me. Everyone once again trying to get my home and equity to profit of me. My home did not close the sale because ocwen stated I owed a discharged paid debt from XX/XX/2005. The closing fell through.
I have been with Bank of America over 15 years. 
XX/XX/XXXX I trusted doing a secure XXXX transfer through the Bank Of America App. This transfer was to a company accepting transfers and charging clients through their Bank of America account. 
My services were to be rendered XX/XX/XXXX-XX/XX/XXXX and totaled XXXX which came out of my Checking Account. 
XX/XX/2018 an announcement was made by XXXX XXXX XXXX XXXX owner XXXX XXXX that she was closing business and that all were refunded. ( I have proof that this is untrue ). 
She claimed to be a nurse also which we believe she is not active. Mrs.XXXX also claimed that the recovery home was her property and that she was legal in running this business. I did research and found the actual owner, XXXX XXXX, who nearly had a XXXX XXXX when she found out what XXXX was using the home for. Mrs.XXXX  said that XXXX signed a primary lease agreement only. I will attach proof of this also ( see documents with texts to a number with a XXXX area code. 
I am among the many who have been scammed via XXXX XXXX, XXXX XXXX   and Bank of America. ( See attached proof ) I spoke to Bank of America representatives and was advised that all the bank can do is reach out to the owner and ask if it is okay if the funds can be debited and placed back in to my account. In addition, I was advised that because I willingly transferred the money, then it is not much they can do as far as refunding. I have offered proof of contract, dates, and services that were not rendered but they are firm in my transferring the funds being my fault. As a consistent customer I am disappointed. Proof should be accepted and this is not how a customer with morale and integrity should be treated. Bank of America is protecting the fraudulent members and neglecting the good ones. I am entitled to a full refund from this company at least 30 days away from date of services which is XX/XX/18. I am well within my rights. It is unethical to allow me to suffer as I am having XXXX which is why I booked this stay in order to recover out of state.
On XX/XX/XXXX I contacted Bank of America regarding interest rate changes to my credit card account ending  XXXX. The Credit Card Agreement indicates the initial interest rate was 8.24 % Standard Rate. Bank of America advised there was an interest rate change of 8.49 % on XX/XX/XXXX; 9.24 % on XX/XX/XXXX and 9.49 % on XX/XX/XXXX. Review of the notices received indicates Bank of America did not to send a 45-day Change In Terms Disclosure advising of the interest rate increases or any other significant change in terms to the credit card account as required by the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX.

A complaint was filed with the CFPB on XX/XX/XXXXrequesting clarification of the Standard Rate ( Fixed Rate?? ) vs the Variable Rate APR verbiage indicated on the Credit Card Agreement. I also requested copies of the Change in Terms ( Interest Rate Change ) Disclosures from XX/XX/XXXX to XX/XX/XXXX. A response was received from Bank of America on XX/XX/XXXX. Bank of America advised interest rate changes to the account were XX/XX/XXXX ( 8.24 % to 8.49 % ) ; XX/XX/XXXX ( 8.49 % to 8.74 ) ; XX/XX/XXXX ( 8.74 % to 8.99 % ) ; XX/XX/XXXX ( 8.99 % to 9.24 % ) ; XX/XX/XXXX ( 9.24 % to 9.49 % ) and XX/XX/XXXX ( 9.49 % to 9.74 % ). Change in Terms Disclosures were provided for review for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( with no interest rate changes ). However, Change in Terms Disclosures WERE NOT provided for review for XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; and XX/XX/XXXX/XX/XX/XXXX.

Although the Creditor provided a response to my complaint and SOME supporting documentation, the documentation provided validates the premise of the initial complaint. 1. Bank of America, failed to provide an explanation of why the Credit Card Agreement identifies the loan as a Standard Rate and the APR is actually a Variable Rate ( it is my understanding a Standard Rate is a Fixed Rate ). 2. Bank of America infers that since the credit card was a Variable Rate APR ( no explanation provided ) they are not required to send Change in Terms Disclosure for the interest rate changes as required by the Card Act of XX/XX/XXXX. Although, Interest Rate Change Disclosures are required by law to be sent within 45 days of the change. The response Bank of America does not address the concerns of the initial complaint and the Creditor has been unresponsive to additional calls regarding the complaint.
Hello I had looked at my credit score recently and noticed equifix had an error on my address which I would like removed as I have never lived there or been associated with the following address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I had spoke to a customer rep and they had said they would remove from my file and never did.
I called, faxed and sent certified mail to the XXXX Business Bureau asking for the items listed below. They have not validated my debt in any way. 

- The name and address of the original creditor- The original date of default or non-payment of the debt with original creditor- The date the debt was transferred from the original creditor to the third party debt collector- The original balance- The current balance- Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) - XXXX Surety bond information as required by Sec. 392.101- Contract signed with XXXX to prove they are acting legally for another company They have not supplied this information. They have called me a liar and told me they are not giving anything to me because they do n't have to. After not validating my debt they are now lying about their true nature to avoid giving proper proof of their XXXX Surety bond information required by Sec. 392.101 of the XXXX Finance Code. In a previous claim response with the CFPB ( Case number : XXXX ). They stated " We are aware we do not to be bonded in XXXX since we do n't do collection activity. '' They are in fact a collections agency. I am attaching proof of my certified letters and proof that they do collect debt.
I was reviewing my credit report and disputed a negative collection that I was not aware of. The credit agency identified the company as Credit Collection Services and they sent me information regarding the original debt as being from XXXX XXXX. I contacted XXXX XXXX who identified the debt as being from XX/XX/XXXX in Maryland for a XX/XX/XXXX vehicle that I have never owned. I also was not a resident of Maryland in XX/XX/XXXX as I live in Florida. I have never used nor had any contracts with XXXX XXXX. XXXX suggested that I respond to Credit Collection Services disputing the account and they would have it removed. I have sent two request to Credit Collection Services and they continue to send me letters requesting payment and reporting the negative item on my credit report. Can someone ask Credit Collection Services to remove this from my credit file and stop trying to collect.
On XX/XX/16 I switched from my XXXX XXXX to equitable acceptance. I owe them {$12000.00} with only 2 loans. I was told over the phone that I would pay half of my loans and they would pay the rest. I paid {$970.00} so far on my loans and even on my payment page it said consolidation complete ( informed by dealer I emailed the company about it and asked when they were going to take over because I had another payment due to them and I did not receive an email back from them. ( My email to Equitable acceptance is included in this message ) I stopped making payments for a few months because of financial difficulties and so I called Equitable acceptance back to get re-enrolled and they said none of the money Ive been paying them goes to my student loans period. I was told different from the first time I signed up till this time and Im really infuriated because thats a lot of money to give to someone just to file paperwork like the man said. I looked up online if other people are having issues with them and theres so many people and so many people looking for lawyers over this its unreal. I also had an issue with XXXX. I switched 2 of my loans to them XX/XX/16 and I owe them {$13000.00} Ive paid {$150.00} back to them and more money is going to interest than it is the actual loan and cant seem to get anywhere with them.
I was shocked when I reviewed my credit report and found late payment on the dates below : 180 days past due as of XXXX XXXX, XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX to XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in a loan modification program and was not aware that any late payments would appear on my credit report.
XX/XX/2019. lakeview cashed a XXXX payment but took out XXXX. now checks are bouncing and more checks are due.
I took out a line of credit with preffered credit ive been trying to work with XXXX XXXX the lead supervisor and I want to get a lower interest rate or a credit to be applied to my acc to reduce interest she has not replied to my phone calls XXXXXXXXXXXX
Continuous threatening calls at work numerous times a day although I informed him to stop calling my place of work. He uses profanity and attempts to reach other people within my workplace to share my personal business. He leaves voice mail messages and informed me that he has me on a 24 hr. reminder. He informed me that the debt consisted of 2 companies, but when forwarding the information to me, it only referred to 1 company for the full amount discussed. I have emailed him on XXXX occasions to dispute/ try and resolve the matter, he has not responded in writing to either one. However, he will call and speak very rudely to me and continue with threatening to seek wage garnishment and alert my coworkers. I hung up on him and he called me right back 10 times consecutively.
ally bank loan for my new XXXX XXXX is not being credited as i tell them to. on my first payment XXXX i adde XXXX dollars to the payment and noted on the statement coupon that it was to go toward my principal. they did not put it on my principal. i called them when i had not recieved a ststement in time for me to make an on time payment. they do not have anyone there that speaks english well enough for me to be able to converse with. so i called the ally bank direct and they tried to transfer me back to the same people as before, i refused and they finally contacted them themselves and when they got back to me they told me that i would be sent a statement every month 19 days before my due date. i told them this was a lie. now on XXXX i recieve a statement saying i need to pay XXXX on XXXX but also states that scheduled payment is XXXX on XXXX so what happened to my XXXX payment? i never made it and yet i am getting conflicting information. i did not sign up for any variable rate loan, on my contract it states that i will have payments of XXXX for 6 years and that is what i agreed to nothing else is acceptable why are they able to make their own rules and ignore me when i want to speak to a supervisor none are there please stop this bank doing business in america
I am a victim of identity theft. Someone stole my personal information and opened up a XXXX checking account and money market account back in XX/XX/XXXX. The following checking and money market account are fraudulent and unauthorized : XXXX Checking Account : XXXXXXXX : XXXX. I have never opened a checking or savings account with XXXX.The accounts do n't belong to me.
After spending a total of 2 hours with Capital One 360 between XX/XX/2017 and XX/XX/2017, they were not able to assist me in opening an account. They were having " system errors '', whether or not that was because they did n't want me as a client again, I am not sure - possibly based off my income or other personal characteristics of myself. I was intrigued by a {$200.00} offer I had received in the mail to open a new account. When I went to open the account online, like I mentioned their was nothing but errors and no one would help me. They blamed it on the multiple browsers I was using ( XXXX, XXXX, XXXX etc. ) ... and then even had the audacity to ask me who my ISP was. Finally at the end of my calls they were still not able to help me open an account and yet they did tell me I was n't eligible for the {$200.00} promotion on top of it. I feel like Capital One 360 really does n't have their business together and is playing with deceptive marketing practices. If they really cared about anyone 's business they would allow me to open an account and provide me a {$200.00} promotion. Now I have nothing nice to say about them.