WillisBack/dataset-financial-user-claim huggingface dataset:
The original balance on this account ( XXXX ) when I was laid off from my job was {$4400.00}. I have paid this amount plus any additional interest and late fees once I went back to work. The account went into collections in XX/XX/XXXX with XXXX XXXX which then became XXXX XXXX. I continued to pay on the account ; however I never received an actual statement from XXXX  listing payments received, interest, etc., I only received an email telling me the payment was due and the balance. The last 'statement ' I received from XXXX was on XX/XX/XXXX and the balance was {$770.00}. I could not find a way to contact anyone to pay the balance in full ( no valid phone number, address, email address on the emailed " statement '' ) eventually a representative called me when the payment was late. I arrange a phone payment with the representative for {$360.00}, the representative agreed to remove the late fees and I promised to pay the remaining {$360.00} in XXXX, XXXX which I did. XXXX then sold the account with a balance of {$640.00} to Portfolio Recovery Associates. When they called me, I told them that the account was paid and a mistake was made but they insisted it was valid. I looked the company up online thinking that this was some kind of a scam, here is a link to what I found https : //www.consumeraffairs.com/finance/portfolio-recovery-associates-llc.html They continued to call me for the money, I believed it was a scam. I sent a letter to them in writing and via email that they were not to call me at work or on my cell phone but they continued to call. I ignored their letters and phone calls ( I did log them ) and now I am getting a letter from an attorneys office, XXXX XXXX XXXX threatening a judgement against me. Portfolio Recovery Associates also reported the debt to the credit bureaus, lowing my credit score that I worked really hard to bring back up and I am now being denied financing that I need for a new roof on my home! I have sent them a letter ( via regular and certified mail ) with the last statement, a copy of the funds sent from my bank, a phone log of all the harassing phone calls, a request that they acknowledge payment was made in full and that they correct the payment history information provided to the credit bureau.
I normally pay my car loan on my first check of the month, which is usually within the 10 day grace period of my contract. The day after the loan is due, I get harassing collection calls. They leave voicemails daily and keep calling after the voicemails are left. I will pick up the phone and they hang up on me. This harassment continues until the bill gets paid irregardless of me speaking to them and making an arrangement.
I have put in disputes to TransUnion, XXXX and XXXX regarding 2 accounts from XXXX XXXX   that are too old and should be deleted from my credit reports. The information is incorrect and recently they updated the status without my permission and now it has reactivated an account that was paid in full and closed over 10 years ago. Also, I have an account with XXXX XXXX that was paid in full and closed by me that I asked to be deleted/removed and it also shows an update in XX/XX/XXXX. This account was to be deleted/removed in XXXX. XXXX XXXX has documented my accounts inaccurately. They said they changed the account to a shorter account number but kept reporting information under both the original account number and the new generated account when the first account was closed 10 years ago.
To Whom It May Concern, Sometime in XX/XX/XXXX there was a credit card issued in my name to my sister. Once I found out that there was a card in my name it was too late to close the account. Sometime in XX/XX/XXXX I had a judgement placed against me. I have written a total of four letters to Discover to resolve this matter. However, I have not received an answer in return. The card should not have been issued at all due to the XX/XX/XXXX CARD Act laws. By opening the account this put Discover in direct violation of the law. The CARD Act clearly states anyone under the age of XXXX must prove they have the means to pay for any debt that they accumulate or have a parental cosigner.My sister had neither, and did n't have my permission to act on my behalf. Discover would not have had any way to verify I had a way to pay for the card, because I was in college, and not working or receiving any substantial amounts of funds. I basically lived on whatever money my mother or other family sent to me. Also, my sister did not have my permission to act on my behalf. I would also like Discover to furnish any documents that have my signature or a signature with my name on it to me as soon as possible.
Harris and Harris keeps calling my home phone number and leaving messages. We have no debts yet they continue to leave these messages. The messages do not state who they are trying to reach.
I have a checking account with Nevada State Bank in XXXX, Nv. I stopped using this account because I thought the bank 's service was very poor. I did not realize that I still had an auto pay for my insurance. By the time I found out that I was overdrawn I had over {$260.00} in fees and there was no payment made to my insurance company. A basic charge for XXXX overdrafts and a daily fee which would have continued had my insurance co. not contacted me. I was never contacted by my bank and was told this was only a courtesy and they did not have to contact me. No call no letter, nothing.
Yes I got a small loan from security finance in XXXX XXXX wisconsin Ive been a customer to them for a couple years have always made payments never missed one they might be late and I pay the late fee but they just call as soon as Im a day late and before I would answer and tell them when they could expect my payments but after the last time I answered their call the lady had the nerve to ask what I did with my last paycheck so now I dont answer until I have the payment which means they call 3 times a day while Im working they have called my references trying to get a hold of me they are worse then mosquitoes Im fed up I plan on paying them I wouldnt not pay my loan off I just want them to stop with all the calls I know if its late Im not XXXX.
I am reporting inaccurate credit reporting by Fedloans resulting from and alleged " delinquency '' on my account. I am questioning the bill which I believe was issued in error and duplication. I recently submitted a dispute form to Fedloans in which no meaningful review or comment was provided back to me. I have reported the incident to the Dept of Ed Ombudsman 's office. This is my XXXX complaint to CFPB. I have also reported this situation to the Dept of Education Ombudsman Office twice before. I have also tried working with the servicer for the past 5 months to resolve this issue but no longer have the confidence is their abilities to respond to my issue. I have sent Fedloans XXXX different dispute forms and each time they denied the request without any explanation regarding the details I provided. Keep in mind this is regarding a payment which was a duplicate that they later issued a forbearance for but after the time period for the delinquency had passed. My account is now current.
This complaint applies to Nationstar Mortgage LLC. I pay my mortgage online, generally, except for a couple times when the website was not working. This past period ( XX/XX/2017 ) I received notice that my mortgage payment had been withdrawn from my account although I had not made any payment. I contacted the company via their secure email and inquired as to who had authorized an automatic payment. After a few days I received an email response telling me what an automatic payment was and how to sign up. They did not answer my question as to who authorized an automatic payment. Yesterday I received a notice placed on my door that I should call them. This type of notice is typically a prelude to foreclosure action. Given the litigation against all mortgage lenders and servicers concerning fraud, illegal foreclosure, and other criminal behavior since the mortgage meltdown and recession, I do not trust these entities including Nationstar. These outfits are basically fraudulent enterprises as is evident by all of the lawsuits filed. It is n't clear to me what their angle is, but they were NOT authorized to withdraw funds from my account.
1. On or about XX/XX/2018, the Libellant sent a Credit Dispute : Demand to Remove and Delete Unverified Accounts/items/inquiries to TRANSUNION LLC. This notice was sent by USPS Certified Mail # XXXX XXXX and was delivered on XX/XX/2018 : Per USPS XXXX Return Receipt in the possession of the Libellant, TRANSUNION LLC did not respond with proof of claim. Despite prior two written requests, the unverified items listed remain on my credit report in violation of Federal Law. As a matter of law, TRANSUNION LLC was  required under the FCRA to have a copy of the original creditor? s documentation on file to verify that this information is mine and is correct. TRANSUNION LLC did NOT provide me a copy ofANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( l ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore TRANSUNION LLC have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). TRANSUNION LLC  did not comply under Section 611 ( 5 ) ( A ) of the FCRA? by promptly deleting all information which can not be verified. Pursuant to Section 616 and 617, the law is very clear as to the civil liability and remedy available, and the libellant fully hereby enforce my rights under the FCRA. 2. On or about XX/XX/2018, the Libellant sent a NOTICE OF PENDING LITIGATION to TRANSUNION LLC. This notice was sent by Certified Mail # XXXX and was delivered on XX/XX/2018. Per USPS XXXX Return Receipt in the possession of the Libellant, TRANSUNION LLC did not respond with proof of claim. As a matter of law, TRANSUNION LLC was required under the FCRA to have a copy of the original creditor? s documentation on file to verify that this information is mine and is correct.
Citi Bank had upped our credit limit by {$1000.00} without informing us. We went from {$7000.00} to {$8000.00} and have a XXXX balance on the card. A month later we received a letter stating that there was a mistake and they had inadvertently raised our credit limit but took the necessary adjustments to drop our credit limit back to the original {$7000.00}. I contacted their service department and informed them that I was very concerned because this action could affect my credit score. The service representative did not understand our concern ( language barrier ) and after 30 minutes of trying to explain that this could hurt my score he told me I would have to take it up with the three agencies to get it fixed. What kind of company does this to their clients? What is a {$1000.00} credit limit adjustment to someone who has great credit? I am concerned about my score and want Citi Bank to assure me that this will not affect my credit score.
I initiated a US wire withdrawal from Coinbase for {$1300.00} on the XX/XX/XXXX. It was supposed to deliver on XXXX XXXX but it still has not after 46 XXXX DAYS.  Other customers have recently requested withdrawals and received their funds within hours or a few days. I made a complaint through CFPB 2 weeks ago and the response form Coinbase was that my case was being escalated and a specialist would reach out. I RECEIVED THIS RESPONSE 2 MONTHS AGO AND IS IDENTICAL TO EVERY SUBSEQUENT RESPONSE YOU GAVE ME OVER THE LAST 2 MONTHS. Just look at any of the cases Coinbase opened ( which i asked you to stop opening ) XXXX XXXX XXXX XXXX XXXX XXXX
I joined an all women 's gym. They closed the location moved it to a farther location and made it a coed gym. Did not want a coed gym that 's why i joined. I disputed and closed my account. And now i see it on my credit report.
In XX/XX/2017, BBVA Compass bank was offering a bonus of {$200.00} when a consumer open a new checking account and make a direct deposit of at least {$300.00} within 60 days of account opening ; I opened " ClearChoice Free '' checking account in XX/XX/2017, and made 1st direct deposit within 60 days from account opening ; I have NOT received the {$200.00} bonus as promised ; I made numerous phone calls to customer service, there is no resolution on this issue ;
I had been an Amex customer for 40 years and then they arbitrarily decided to close my accounts, they were not past due, confiscated tens of thousand of points and handed my accounts over to a collection agency. The agency then proceeded to call my daughters, who have n't been on my accounts for years, and threatened them with a lawsuit if they did n't pay the balance. Not once did they both to call me, the primary cardholder. When I did contact Amex they told me there was nothing they could do because they no longer had access to the accounts. I later called  Amex  customer service and they were able to access my accounts. Neither Amex nor the collection agency has apologized for their behavior and in fact, the collection agency justified their actions.
I HAVE CONTACTED XXXX AT XXXX XXXX XXXX XXXX NUMEROUS TIMES REGARDING THESE 2 ACCOUNTS THAT ARE SHOWING UP AS COLLECTIONS ON MY CREDIT REPORTS. THIS COMPANY IS STATING THAT AN ELECTRONIC SIGNATURE IS MINE BUT HAS NOT PROVEN THAT THIS WAS INDEED ME THAT MADE THESE PURCHASES. THIS COMPANY HAS NOT SHOWN OWNERSHIP TO NEITHER PLATFORM THAT I HAVE MADE COMPLAINTS TO INCLUDING CFPB, XXXX  AND MI ATTORNEY GENERAL BY BILL OF SALE OR CHAIN OF ASSIGNMENT THAT PERMITS THEM TO REPORT THESE FRADULENT ACCOUNTS ON MY CREDIT REPORT.
I have a problem with XXXX XXXX assistance in XX/XX/2018 I got a flat tire midnight and after I called road assistance two weeks after my wife and me got fraudulent transaction in our provided credit cards and we filed policy report not body take responsibilities, but now the situation is we cancelled the insurance for wheels & tires and the only thing I want is don't pay {$30.00} a month for this insurance but after they acceptance to cancelled the insurance they said over the email if I don't use the insurance or I don't have anymore still have to pay {$30.00} a month I don't want to pay that just pay the monthly payment for the car.
On XXXX XXXX i was informed that my account wasfrozen because of fraud that was caused against my account. There was over {$7000.00} around this amount of unauthorized charges. I have called the companies where these charges have been made and reported this to them and they have done investigations of this and issued refunds to my account still i do n't understand why TD BANK REFUSES TO GIVE ME MY MONEY! I have called them i went in the branch and no-one wants to help me i am in need right now and i do n't know what to do the only response i got was you will get something through mail yet no-one has contacted me until now. I have well over this amount of money i have over XXXX as well i have money coming in from my student loans and money from family now i have no access to my funds and td bank refuses to give me back the money i need to pay for school and such and now i fear that i will never be able to pay for my school tuition and my other private necessities such as transportation I really need help so td bank realizes that XXXX is willing to speak to them and tell them this was all unauthorized and they are issuing me a refund for the money that was stolen by XXXX being over XXXX from them so please i need help so TD BANK Sees this message and returns my money! I am a college student and i need money for daily needs like rent, transportation cellphone bill! I do n't have any access to any type of money since i kept all my money in this account. Please someone help me out and give me honest truthful advice i am very confused and at loss in my current situation. Until this day i still have no answer or money back today is XXXX/XXXX/2016
I got hired on with a new company and had to set-up my direct deposit. I went down to the nearest Chase bank and asked for my account number and my routing number. They printed it off with no issues. I then took it and turned it into my new employer. Here comes Friday, ( payday ) and the money still has n't hit my account. I called my employer and they said they sent it out for payment early on friday, which I should have my money into my account by XXXX or latest by XXXX Friday morning. My employer went through and double checked that the account number and routing number were the same as the form Chase had printed out. They said it matched up. So then I called Chase customer service and they said the bank gave me the wrong routing number and that they could n't do anything for me because the money has n't gone through yet. So I talked to a Manger because this is XXXX seeing how I got it from a Chase bank. I explained everything to her and she still said she could n't do anything about it. So my money is gone somewhere and I still have nothing. Chase is using every excuse in the book and not offering any fixes to this mess up that THEY did, not I.
My loan was just transfered to Carrington Mortgage Services. I 've had several home loans and this has been by far the most difficult one to work with. I pay extra on my mortgage every month. However, they make it very difficult for you to do so. I can not pay extra via their website. It shows the options to do so, but they do n't work. The most I can pay is my mortgage payment. My options are to call in and give a stranger my checking account info every month. Which they entered wrong the first month and did n't work anyway. Regardless, very time consuming to pay a single bill every month. I also, can make multiple payments to accomplish this. Since I ca n't make a larger payment, I have to make multiple payments. However, I can only make one per day via their website. It becomes a multi day hassle. Even so, I still will have to call to make sure the extra money under the other option is still added to the correct place. They also told me, I could pay extra provided I pay on or after the first every month via the website. That was a lie. Still does n't work. I 've never encountered a place to difficult to pay a bill. I 've had several car and home loans and by far the most difficult one to work with. They make it very hard for you to pay extra potentially trying to make sure your loan is dragged out as long as possible, making them more money and costing the consumer more. They need to make their website be able to take larger payments. Telling me that they 've had lots of complaints and " that 's just how it is '' is unacceptable. If they ca n't fix it, I would request my mortgage be sold to another company. No other mortgage service I 've dealt with has been this difficult to work with. I should not have to spend this much time and effort to pay a single bill every month. It is n't fair to me, especially when I pay on time or early every month. It should n't be a punishment for that and wanting to pay extra to pay off my loan. 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXXXXXX held by Carrington Mortgage Services for property atXXXX XXXX, CO XXXX
I have been trying to sign up for Equifax 's Trusted ID Premier credit monitoring service since XX/XX/XXXX and have had no success. I first emailed customer support on XX/XX/XXXX because I received an email stating that there was a problem activating the Equifax credit monitoring service and to email 'XXXX ' for assistance. I emailed them on XX/XX/XXXX and never heard anything back, so I emailed again on XX/XX/XXXX. I received a response on XX/XX/XXXX stating that they had no record of my registration with Trusted ID. I re-registered on XX/XX/XXXX and got an email back stating that I could now activate TID Premiere. I have tried since that time probably a total of 20 times to active this service and have received an error message back stating " system is unavailable, please try again soon ''. I called customer service at XXXX today XX/XX/XXXX and was told that there was no record of my registration by either of my phone numbers and I needed to register for the 4th time. I re-registered again just now and received an email that I could now activate the service. Which I then got the same " system is unavailable, please try again soon ''. I have a hard time believing that this is anything other than a deliberate attempt by Equifax to keep from having to provide the service that it stated it would.
I recently received a letter from XXXX XXXX XXXX XXXX XXXX   dated XX/XX/XXXX. 

I sent information to you showing the loan was transferred to you from XXXX XXXX XXXX. My loan was with XXXX XX/XX/XXXX until XXXX XXXX when it was transferred to XXXX XXXX XXXX XXXX XXXX. 
The loan wasn't transferred from XXXX XXXX XXXX   as you've stated. 

I will send this information to you once again, payments made also. 

You can pull my wage earner records from the courts because they are public records. XXXX XXXX XXXX   did not notify the courts either. I pulled all of my court records from the courts in XXXX. 

I've been told that case have to be reopened. I'm in the process of doing just that, since you can't seem to get information from XXXX XXXX XXXX. I will send this information to XXXX XXXX XXXX XXXX XXXX and the attorney I get to reopen the case. 

Someone created a EIN number using my personal information without my knowledge. XXXX XXXX XXXX XXXX XXXX also used TN XXXX  XXXX XXXX Federal Identification number to report a XXXX to IRS in XXXX. I'm in the process of notifying IRS of this fraud. 

I pulled my credit report to learn that someone added an address for Michigan to my credit report. I have never lived there, nor have I visited there. I've lived in XXXX Tennessee all my life. I was my home eighteen years,  until you XXXX XXXX XXXX XXXX XXXX took it from me.

May God have mercy on your souls.Because of you I'm homeless. All of my former employers have been deleted from my credit report. And I've worked since the age of XXXX. I notified the Attorney General Office also. You should be ashamed of yourselves.
the problem is with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, PH XXXX, INaccurate information on my credit report with this specific company, the loan was paid off on my credit report indicates {$7400.00} was a charge off NOT TRUE AND INACCURATE ... there is a XXXX balance on this account as of XXXX..the last date of the 1st missed payment was in XXXX. The original loan was paid off XX/XX/XXXX ... the loan is more than 7 years and 180 days per CALIFORNIA RIGHTS MUST BE REMOVED ... spoke with XXXX representive at XXXX XXXX XXXX and the company is refusing to removed the negative informantion and refusing to show the loan paid off. I also filed a complaint with EXPERIAN credit agency they are also refusing to delete this old and inaccurate information. XXXX DELETED XXXX
I signed up for what I thought was financing for my puppy from XXXX XXXX XXXX in XXXX CT in XX/XX/2018. The sign on the window specifically said financing, and the woman I was dealing with when applying for the financing said I would be making monthly payments for 2 years from the start date in XXXX. The sticker price of my dog was {$2400.00}. I applied for the financing through Monterey Financial Services and was approved. The woman at the pet store had me sign a few things quickly and that I was all set. Ive been making on time monthly payments of {$220.00} each month ever since then. Last month I went to check on how many more payments I had online and was shocked to find that I still have over {$4000.00} left to pay. I called Monterey Financial Services and was told I was not actually financing my dog, I was leasing it and to actually own her at the end of the leasing term I had to pay {$400.00} more. This was never told to me in the pet store or when I was on the phone applying for the financing. Now I am stuck in a pet lease and on top of it I have to pay more to own her at the end of it. I feel like I was misled in the whole process and Monterey is telling me that if I miss one payment they are able to take the dog back.