WillisBack/dataset-financial-user-claim huggingface dataset:
i spoke with this company the debt is actually my mothers she has the same exact name as me. she also filed bankruptcy within the past year. this company refuses to remove this debt from my credit report but this is my mothers debt. this is damaging my credit report furthermore i need paid for the damages or i could look at legal counsel the damages caused are as follows 1. Defamation 2. Negligent Enablement of Identity Fraud 3.  Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act
Wells Fargo sent me back my check I deposited but never notified me then charges me over {$500.00} in overdraft fees XXXX of them for spending XXXX cents.
To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/2017 in regards to how XXXX is reported on my credit report. Once again within a few days it comes back as verified however I have never had an account or contract with this company. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA itn states the CBA is required to promptly DELETE all information which can not be verified.
Bayview has made 2 errors in processing our mortgage payments. We have made our mortgage payments before the due dates in order to avoid issues with Bayview. In the last 2 months they have bounced backed our payments XXXX for not being able to obtain the funds. Keep in mind our routing and checking numbers have not changed and the funds are still sitting in the bank. We called Bayview to make the payment over the phone and was told they can not process our payment due to a bounce back. There explanation is that an error could have ben made from the mortgage holder or there 3rd party system when processing payment. Again please keep in mind that we have made payments successfully for months with no issues, but they seem to get a system glitch and wont help us figure out why. Lasty I have read BBB complaints for this company and have found that this is a very common issue.
My complaint # XXXX was erroneously closed by the CFPB just because suntrust responded. This is not the first time the CFPB has closed my complaint even though suntrust REFUSES to address it. Completely unacceptable for a business that supposed to " protecting consumers ''! I called the suntrust executive office on XXXX XXXX and talked to XXXX XXXX. I explained to her that ALL of my emails to XXXXXXXXXXXX in the last few months were IGNORED and asked her why. She said she did n't know why but said that is not how suntrust does business. I pointed out to her that that obviously is how suntrust does business otherwise someone would have responded to my emails. It 's also obvious that REPEATEDLY LYING TO CUSTOMERS is also how suntrust does business and THEY DO NOT CARE. I told her about the ongoing problem the last 3 years of NOT getting a correct mortgage bill AFTER I pay my escrow shortage. How can they cash my check for the escrow shortage and then send me a bill for the exact same amount I just paid them?? THAT IS A SCAM!! I also asked her why my escrow has been short 3 years in a row. I 've had mortgages with other lenders and NEVER had any problems with getting a correct statement or had my escrow short EVERY YEAR. She told me she would open a case for my complaints and call me the following Monday, XXXX XXXX. She of course did NOT call me back. So I tried calling her on XXXX XXXX and was told by XXXX that XXXX XXXX was gone for the day. I called again on XXXX XXXX and briefly talked to XXXX who refused to answer any of my questions. I called AGAIN on XXXX XXXX and finally spoke to XXXX XXXX again. I reminded her of my conversation with her on XXXX XXXX and that she said she would call me back. She LIED and said that she thought my complaints were being handled by the social media team. My complaints were NEVER going to be handled by the social media team because they NEVER answered my emails and my complaints on XXXX about XXXX XXXX never calling me back were removed and I was BLOCKED from posting any more complaints, even others are still allowed to post theirs! During my conversation with XXXX XXXX on XXXX XXXX she told me again she would have someone look into my complaints and she would call me back on Monday, XXXX XXXX. She even went so far as to tell me she " put it on her calendar '' which was also apparently a LIE because of course SHE NEVER CALLED ME BACK. I am so tired of being DELIBERATELY LIED TO REPEATEDLY BY PEOPLE WHO ARE HANDLING XXXX OF DOLLARS OF MY HARD-EARNED MONEY. This is completely unacceptable!!!!! These people have absolutely no business handling other people 's money!!! I need written, verifiable proof that someone is working on a resolution to my complaints and I need a FULL NAME ( FIRST AND LAST ) of the person/people resolving my complaints along with their direct phone numbers. Is there anyone at suntrust who knows how to tell the truth?????
I HAVE DISPUTED THESE ACCOUNTS WITH XXXX XXXX XXXX, FOR THE AMOUNTS OF ( XXXX ) and ( XXXX ) with XXXX  on two occasions, with no positive results.ON THE OTHER HAND HAVE GOTTEN THESE SAME ACCOUNTS, DELETED WITH XXXX  AND XXXX.
While making a purchase, the sales person asked if I had a loyalty account. I do ( which means I have made purchases prior, not a credit card holder ). After she asked my phone #, she asked my email address, that's all. After my purchase she explained that I get 15 % off. I knew that but I was not aware that she was referring to a credit card. A Loyalty Program is just that ; a frequent buyer. She stapled my receipt to a brochure which explained Loyalty, Premier, and Elite. It seems she opened a credit card for me and I do not want it, nor did I ask for it. How do I get this closed without disrupting my credit?
I called XXXX in early XX/XX/XXXX to setup internet access. The sales rep and I negotiated the service package and price I'd be paying and set up a date for their technician to come install my service ( XX/XX/XXXX ). Following that call, I then called XXXX and got a better service package for a lower rate than XXXX, which I decided to take. I then called XXXX back and asked them to cancel my previous order. I believed my order was indeed cancelled since the technician did not show up on the scheduled installment date of XX/XX/XXXX. But in XX/XX/XXXX, I received mail from XXXX saying I owed them {$40.00} for a month of internet service. I called XXXX again and explained to them the situation - that I received a bill for an amount I did not owe. I explained that I had cancelled my order before installment and they confirmed that my services were never installed and agreed to close my account and wipe out the debt. I then received another bill from XXXX in XX/XX/XXXX for {$72.00} which I ignored because I believe I had already settled the issue with them. 

In XX/XX/XXXX, I received mail from XXXX XXXX XXXX XXXX, a debt collection firm, saying that XXXX had sold them my debt in the amount of {$72.00}. I wrote them within 30 days disputing the debt and asking for proof that XXXX had sold them my debt. They responded in XX/XX/XXXX with copies of monthly bills from XXXX for my account. I replied to them again specifically asking for " all copies of documents between them and XXXX that incontrovertibly show that XXXX sold them a debt that they ( XXXX ) claimed belonged to me ''. XXXX XXXX XXXX never responded after that. 

In XX/XX/XXXX, I again received mail from another debt collector ( Afni, Inc ) regarding my {$72.00} XXXX debt. It would seem that not only did XXXX XXXX XXXX fail to invalidate my debt, but my debt had again been purchased by another collector.
IQ Data continues to call regarding a debt that is in a legal dispute. They also placed the debt on my credit as a collection even though they are aware the amount and matter is a legal matter.. They continue to call me after I advised them this is a legal issue.
I am being charged for a credit freeze and have been a victim of fraud and online hacking. Transunion and really all of them are doing a major disservice to people by collecting ans then storing my info ( data ). In the past someone used my credit info to open charge accounts and those XXXX pay loans. I am so sick and tired of companies and people making money off my image and my data ... illegally or what society has allowed to be considered legal. In order to collect my data or to house it on a computer you must have my permission to access, house or use my info and my image and I have not granted permission to any of them, ever and they continue to use my image which is my data. To turn around and try to sell me my own info or to lock my info is wrong and should be illegal. I am filing complaints with consumer complaint organizations as well as the Federal Trade Commission and my Attorney Generals office in XXXX, OH. These companies need to lock my info immediately and they DO NOT have my permission to retain my information on me on any system any further.
To whom it may concern : I would like to submit a complaint against Experian. I received an email this morning ( XX/XX/18 ) from Experian stating that my credit score had increased ( attached ) and upon logging into my account to review, then saw an alert that stated my score had decreased by 15 points ( screenshot attached ), with no  explanation. I attempted calling the customer service number listed for Experian ( XXXX XXXX, and can not for the life of me understand the representative on the line. The language barrier is so incredibly horrible it made it almost impossible to have a conversation and to obtain answers to the questions I need to be answered regarding my credit report! Upon calling back a second time, I spoke to a XXXX XXXX   who could not explain to me why my score had dropped, in fact, she stated that she did not see any reason why my score would have dropped. The only explanation she could offer is that she has seen where peoples monthly scores just fluctuate which is totally unacceptable. Per Experian alerts showing on my online account, XX/XX/XXXX my score increased by 10 points, XX/XX/XXXX I received an alert that my credit card issuer ( XXXX XXXX ) raised my credit limit, and then XX/XX/XXXX my score decreased by 15 points. This is fraudulent and Experian needs to be investigated. I have worked SO hard to get my credit score up and to have this happen and to receive no explanation for why is a complete slap in the face and no one should have to go through this. Please let me know next steps on processing this complaint and advise if there is any further information needed to process. My next step will be to acquire legal representation to address this. Thank you in advance for your support.
I have a loan with servicing company, Loan Care ( account # XXXX ). I previously put a request for a credit dispute of a late payment that was reported to the credit agencies. Since XXXX XXXX, 2015, I received a letter stating that my loan is " current and that the late payments were to be removed for XXXX and XXXX 2015 '' on my credit report. I am requesting for another letter to have my wife 's name on it as well ( as she is on my mortgage account too ) ; also requesting to have LoanCare notify the credit reporting agencies that my wife 's credit account is " Current and to remove the late payments reported in XXXX and XXXX 2015 ''.
I financed a vehicle through FRIENDLY FINANCE CORP. on XX/XX/XXXX. My spouse took the vehicle in our divorce. My ex-wife defaulted on the payment and the vehicle was repossessed sometime in XX/XX/XXXX. The original loan amount was around {$11000.00}. After the loan was charged-off a judgment was obtained against me in the amount {$8800.00} plus accrued interest in the amount of {$1400.00} with 22.9 % interest on the principal balance. I was notified of a garnishment order for this judgment by my employer. I did n't protest the garnishment due to the fact I knew I signed for the loan. FRIENDLY FINANCE garnished my wages from XX/XX/XXXX to XX/XX/XXXX for a total amount of {$14000.00}. I contacted the law firm handling my account on behalf of FRIENDLY FINANCE and was told my case was closed and the judgment had been satisfied. I believed this to be the end of this matter however in XX/XX/XXXX I received a noticed from an attorney representing FRIENDLY FINANCE regarding an outstanding balance of around {$3000.00} for the above auto loan. This time I was served noticed and went to court. FRIENDLY FINANCE was actually trying to obtain or transfer my default judgment from XXXX to XXXX. The judge in XXXX ruled the judgment was paid and that he would vacate the judgment. Now FRIENDLY FINANCE is falsely reporting this as charged off on my credit with a charged off balance of over {$6000.00}, which is incorrect. By my estimation I have paid over XXXX for this XXXX loan. I 'm still paying for this loan everyday due to the higher interest rates on loans term I receive due to this predatory lender.
WFDS XXXX XXXX XXXX, XXXX CA, XXXX  has an inquiry on my report dated XX/XX/2016. No authorization was given and none can be provided by the company ; please remove per law or pay the {$1000.00} fine.
My closed good- paid in full account with XXXX XXXX XXXX XXXX XXXX   was never reported to all credit report agencies ever. 
Apparently, XXXX XXXX is handling my account and not reporting it to all credit bureaus. 
I called their phone # XXXX and got a recording. 
I want a letter stating my good paid in full account with all information..and reported to all credit bureaus. It has been 5 years and non-compliance.
I have received telephone calls from an " unknown number '' to my cell phone every day for the past two weeks, at varying times of the day. When I answer the phone and ask who is calling, I am told that it is XXXX from Ally bank, looking for [ my sister 's name ]. The individual states that my sister and her boyfriend are clients and they are not answering their phones ; the bank is trying to reach them. They stated that they found my cell phone number via a " public database ''. I have asked for my telephone number to be removed from their list, and stated that this number is not associated with my sister, yet they continue to call.
On XX/XX/XXXX someone fraudulently stole my credit card information and used it for XXXX   XXXX for {$100.00}. After that repeatedly someone used my credit card information to take rides on XXXX and XXXX. I reported this matter to Citibank Credit Card XXXX but to no avail. Citibank said that I will not be liable for any unauthorized but they did not honor their promise.

I trusted citibank and they broke my trust. Why I should pay for the charges I never made and why didn't the citibank blocked these charges from taking place? These charges continued till XX/XX/XXXX and Citibank is asking me to pay for it. All these charges amounted to {$610.00} and Citibank sent this amount to an collections agency XXXX XXXX XXXX XXXX on XX/XX/XXXX and they made this amount to {$750.00} which includes {$42.00} in interest and {$100.00} in Interest. 

Then I received a letter from XXXX XXXX on XX/XX/XXXX asking for the same amount of money {$750.00}. 

So it means it was further sold to XXXX XXXX. Citibank never told me what they did about the investigation, never sent me a letter, never called me. A totally irresponsible bank who makes people a fool by telling them that they are 0 % liable for fraudulent charges. 

I will urge and request XXXX to cancel their membership with Citibank as they are the most disgusting Bank and I don't want to deal with them anymore.
I received my refund, a check for XXXX dollars from my school ( XXXX ) that I placed into my bank account with Suntrust on Thursday. It was available on Friday and i took out {$2100.00} to pay up my rent, immediately after that it was {$4000.00} hold on my account and no one has been able to tell me why. I have a very severe need for my money now. I have bills that have went past due, due to the holds on my account, I had to cancel a business trip for this weekend and I am unable to pay for my child day care. Suntrust is telling me there is nothing they can do and i have to wait until XXXX/XXXX/16 because my account is under '' review '' and they will not tell me why its in review. That would be one full week without having any money and no one being able to tell me why.
I have been enrolled in a interest rate reduction program for two years which i diligently renew every year. In XXXX 2017, I received an email from Navient to submit documentation to renew in which i did. I get a statement in XXXX indicating that not only has my payment amount increased from {$120.00} to {$250.00}, but also the due date his changed from the XX/XX/XXXX to the XX/XX/XXXX. I was informed that I owed the difference even though i submitted the requested documentation and set up auto debit for the payment. Navient claims that in addition to requested documentation submitted, that i was to personally contact them which was never indicated. Navient is practicing predatory lending and ensuring policies/practices for borrowers to default on their loans. I just want the reasonable and affordable rate that i was paying before.
I had not been supplied with any notification of said debt. I would like this to be removed as it is negatively impacting me as it is being reported to the experian and transunion credit bureaus. They failed to provide any verification nor have they informed me of any rights to dispute the debt. My information was illegally shared without my consent so I am requesting it be removed from my profile.
I am a victim of identity theft. The bankruptcy Bankruptcy : Discharged CH-XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
original case # XXXX was resolved except for the credit reporting. because I was considered for the trial payment plan, bofa considered this to be a credit problem and entered a seriously delinquent report to the bureaus. I have never been late and always paid on time I need this rectified. it is damaging my ability to borrow money or get a loan. thank you PS thank you for assisting me in getting the modification approved through Bank of America. That was n't going to happen either without your help.
This company has a judgment on a credit account that they bought from XXXX of my creditors. In addition, I have not given them any personal information about me. However, they have won a judgment against me and I understand that. But I have never given them any information about me and they have been able to obtain a legal order allowing them to contact my past and previous employers to garnish my wages. I am currently in the process of filing a head of household exemption but I 'm a little uneasy knowing that creditors are allowed to violate my privacy and utilize the court system to seek my personal information. Again, this is a third party collection agency who bought my account from my original creditor. I plan on taking this a little further. The agencies name is Portfolio Recovery Associates , LLC. My new employer was served with a writ ordering them the provide my information. This could of resulted in ramifications to me and my lively hood.
XX/XX/XXXX my {$550.00} bill from the XXXX XXXX for services XX/XX/XXXX was sent to PSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I was unable to get an itemized bill from XXXX or the collection agency regarding what I was seen as owing. My numerous calls to XXXX and PSB as well as facsimile data was ignored. XXXX says XXXX paid {$530.00} while PSB notes XXXX paid XXXX as sent to them by XXXX. Neither XXXX nor XXXX will talk to me to reconcile this big difference.
I want to terminate my American Express Card on the XX/XX/XXXX and I scheduled my final payment for the XXXX of the month.
I have rewards that I earned and that I want before terminating the card. American Express will not give me my rewards. I previously filed a complaint # XXXX because I filed a dispute against XXXX XXXX XXXX XXXX as they fraudulent billed my credit card for {$150.00} for a tow truck, ( the car I rented stalled and would not start ). American Express received the complaint on XXXX XXXX, 2017 and as of this date has not resolved the dispute. I filed a complaint with the State of Hawaii Consumer Protection Bureau and received no support for my claim of Fraud from American Express. I no longer want this card ; however I do want the rewards that I earned over the past 10 years. I have exhausted myself resolving this dispute alone, without the support of American Express who has taken far too long to resolve this matter. Their merchants are more important to them than their customers. I have had it.
Focus Receivable Debt Collection Agency is constantly calling with a recorded message. Do not tell who they are looking for. Returned call and no XXXX answered. Called again the next day and was hung up on. No one in this family has a debt that is n't being paid monthly. Today someone answered and they wanted all kinds of information like my name and telephone #. I told them that since they were not telling me who they were looking for then then they were not getting my personal info
Chase Card are reporting inaccurate information on my credit report, Payment responsibility as Authorized user, Status of the Account Late over 120 days, Account Delinquent 180 days past due, Past due Balance {$830.00}, no DISPUTE Status after Disputed, etc. The account has been Charged Off on 2010. 
They do n't want to DELETE the trade line.
I wrote the company XX/XX/XXXX and it was received XX/XX/XXXX ( per company. ) The written notice to the company was an unauthorized credit inquiry which had my name and address along with my signature. I provided the information on my first original notice. However they responded back with request of the same information that was already stated in the first written notice.
I submitted a written request on XX/XX/2017 to Transunion via USPS mail. In the request I asked the bureaus for formal validation of adverse accounts appearing in my report. I also specifically for physical proof of how the debt was validated and I did not receive this. The only thing I received is a copy of the credit report showing that the remarks was updated to " Paid in Full/Was a Charge Off ''. According the FCRA consumers have the right of formal validation and if not it should be removed from my credit reports. I am requesting that the accounts XXXX XXXX and XXXX be deleted as my rights under the FCRA were violated. Furthermore these account were sold and transferred which means NO CONTRACT. Please removed from my report.
Bank of America processed XXXX identical payments against my bank account which resulted in a negative balance on my Bank of America credit card. They have not returned the extra money they took.