WillisBack/dataset-financial-user-claim huggingface dataset:
There has been a recurring charge of {$280.00}, listed as collections, on all XXXX credit bureau reports. I have written the collection agency and the primary source, but neither have provided any documentation or respond to my requests. It is for a medical bill, but I have paid all my medical bills to this company. I believe they have mixed up my name with someone else from what they tell me. They never respond to my letters, they just renew dates on the credit bureau reports.
A COMPANY CONTINUES TO CALL ME FROM XXXX AND ASKS FOR A XXXX XXXX, WHICH I AM NOT. I HAVE ANSWERED THESE CALLS ( MANY TIMES - APPROX. 15 ), THEY SAY NOTHING AND HANG UP. I CALL THE NUMBER BACK TO FIND OUT WHO IS CALLING AND THEY ASK FOR A XXXX ( LAST NAME WITHHELD ). I TELL THEM EVERY TIME THERE IS NO XXXX XXXX. THEY SAY THEY WILL REMOVE MY NUMBER FROM THEIR CALL LIST, BUT STILL RECEIVING CALLS. THIS IS MY BUSINESS PHONE AND I HAVE TO ANSWER CALLS FROM POTENTIAL CUSTOMERS THAT I DO NOT HAVE ON CALLER ID.
There are XXXX items listed on my credit file which the date of last activity was back in 2007, is n't there a law they are only allowed to report for seven years this company is not following the law. I disputed several times with the credit agencies and the items are still listed
Refer to my previous complaint # XXXX about BANK OF AMERICA for this same loan about a different issue. 

This equity account was opened XX/XX/XXXX at the rate of 4.5 % for 15 years with a credit limit of {$29000.00}. 
From that time the loan was kept at that rate until XX/XX/XXXX when they raised the rate to 4.75 % and I questioned this raise without receiving any valid or satisfactory response. They instead have continued to raise the rate again in XX/XX/XXXX to 5 % and then again 3 months later in XX/XX/XXXX to 5.25 % and then again 5.5 % in XX/XX/XXXX. Again for no reason equity rates are down all over the U.S. 
I have all statements since XX/XX/XXXX to prove my point which shows all amounts applied to principal and finance charges for the interest. The interest just keeps going up as I make the payments each month and less and less is being applied to the principal as it gets closer to the draw date of XX/XX/XXXX and the repayment period which according to their accounts is going to be another 10 years ( refer to document attached ). 
With equity rates down not up and they recently offered to customers with new equity loans a rate of 2.99 % how does that justify continually raising my rate ( the last being a matter of two months ) when I have auto pay, have not been late, and have made in the past some extra payments to the principal including one most recently which they did not credit me for. See document of XX/XX/XXXX. Additionally as they continue to raise my rate less is going to the principal and more to interest. 
Raising rates 3 times in less than 6 months while adding more interest on their end for no justifiable reason, and then sending out notices for XXXX XXXX ( attached document ) to request help is proof of the misleading and deceptive practices of Bank of America. Their game is stacked against the consumer to continue keeping the customer in debt and not to be helpful.
On XX/XX/2016 I Checked my online accts with USBank. I found that there were fraudulent charges on my credit card ( cc ) and XXXX debit cards ( db ) from XXXX that posted XX/XX/2016. I immediately advised USbank of the fraudulent charges. I have several accts with them and XXXX db 's and XXXX cc had charges including convenience cks, atm withdraws, balance inquiries, and point of sale ( POS ) transactions. They closed the accounts and indicated it would take 10 business days to receive provisional credit. While I was in the branch on XXXX different occasions, XXXX other customers came in indicating they had fraudulent charges. USBank has a data breech and they owe it to the consumer to notify the public! They reissued several sets of cards and I am now receiving pin numbers in the mail for my cc that I did not request. I contacted usbank several times and asked for status regarding the claims and all I get is someone will call you back. I have requested several times for calls from an investigator and no one has called back. I did receive a partial credit on my cc within the 10 business days, but not from my checking acct. I have been told I have an investigator for the pin #, one for an acct opened in XXXX, another is from an account opened in XXXX, and one for my cc. The credit for my checking acct was not credited within the 10 business days. USBank has a data breech, they need to inform the public! Consumers also need to be reimbursed for their time that this is taking by usbank paying punitive damages
I reached out to this company several times, most recentlyXX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, asking for proof of the debt and debt amount. I have received a statement from the collection agency each time that I send a letter, but not the original contract or itemized statement of amount owed from the original creditor. I have also disputed with the credit bureaus asking them to validate the debt, and it has remained the same each of the three times that I have disputed the validity and accuracy of the debt.
I paid off my Chrysler Capital lease so I could keep the vehicle when lease expired. After almost 2 solid months, this corrupt outfit has refused to provide any final accounting of my account, or refund a substantial overpayment due me, send me title to the vehicle, or in any way acknowledge payoff of this lease! This is THE most corrupt and incompetent firms providing finance for any of the major auto brands, with a huge number of consumer complaints, and NEEDS TO BE INVESTIGATED AND FINED! The company is not even a Chrysler subsidiary, it is instead owned by Santander bank group and simply licenses the Chrysler name, further defrauding customers who think they 're dealing with Chrysler when they are not.
I was contacted by a collection agency today called XXXX in regards to a fruadulant debt from XXXX XXXX. They claimed I owe XXXX over XXXX dollars for a service I never ordered. They claimed that I have this service in my home and are not paying for it. I had received a box in the mail back in XX/XX/XXXX from XXXX. I called them to ask what this was about. They told me to ship it back free of charge, but to go the XXXX store. We did the next day. We continued to receive bills in the mail. I would call them and explain to them that I never ordered XXXX and their is a mistake. Each time I called when bills were coming in, the customer service said that it was a mistake and it would be taken care of. Now the collection agency has called me twice in the last few days. When I said I do not have XXXX that I have XXXX/ XXXX they did not believe me. I have had XXXX for over 23 years. XXXX today directed me to Identity Theft. And they directed me to you folks.
I have filed a complaint against XXXX XXXX XXXX that alleges the company, which operates as XXXX XXXX XXXX XXXX, charges improper and excessive termination fees for leases of point of sale ( POS ) equipment, such as payment terminals, card readers and mobile payment devices. 
We mailed this company many times to explain that a collection is impossible and we explained the collector can not seek a reimbursement from XXXX XXXX stemming from the profits reaped by the company from subjecting merchants to complex agreements involving several parties just to lease a POS terminal which could simply be purchased for less than {$200.00}. 

The only existing contract was signed with XXXX. This XXXX document is identified with a number. This document doesnt make any reference to XXXX XXXX. 
XXXX XXXX present a new Document with a reference to XXXX XXXX. This document was completed after signature. 
I claim that XXXX XXXX pushes merchants to lease payment equipment from XXXX XXXX upon entering into payment processing agreements with financial institutions, who serve as the companys agents in POS leasing transactions. XXXX XXXX allegedly tricks merchant customers into spending thousands of dollars leasing payment equipment that can be purchased outright for less than {$200.00}. 
I this case XXXXXXXX XXXX  allege a binding merchants to years-long agreements that do not allow for the cancellation of the lease of POS terminals. 

I didnt signed any leasing agreements with XXXX XXXX. 
The material ( XXXX XXXX XXXX XXXX ) was returned as soon as it was received. 
The merchant service XXXX was informed more than a year ago that the contract was breached. 
XXXX XXXX as well was informed a year ago. 

XXXX XXXX includes a alleged a non-cancelable agreement clause within its form contract. 
We never signed the contract neither any affiliates Program Guide.

We never signed an insurance for a non existant material. 
We never signed for any delivery of material from XXXX XXXX or anyone else. 

The collection company attempt to maximize profit for XXXX XXXX regardless of the circumstances and the documents provided. 
In fact, there is a class action for the same reason against XXXX XXXX claiming that the contract can not be canceled without the customer paying all remaining sums due for the full term of the lease agreement, even if XXXX XXXX fails to perform its obligations under the contract.
Experian refuses to give me the name of the person who they contacted regarding a reported bankruptcy on my file. The list the source of their information as the US Bankruptcy Court- XXXX . I have contacted the court and they have stated that due to privacy laws, the Court does not disclose information to credit reporting agencies. So, Experian has not properly disclosed, by law, the person ( s ), or agency ( third-party ) who gave them this information. It is well known that the CB 's contact third party agencies for information ; and these third-party agencies sell information to the CBs.It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Court confirmed Experian Credit Bureau has never validated or verified the public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources, unawares to the consumer, and in most cases, incorrectly. A copy of the Court 's letter is attached showing they will never disclose this information to credit reporting agencies.
Hello I am following-up on my earlier complaint, complaint number XXXX, of XXXX XXXX, 2016, regarding WELLS FARGO 's thievery, conveniently lifting money out of my pockets for there own bonuses. I submitted this follow-up yesterday, though I did not receive confirmation of its receipt, so I am posting it again today. In my initial complaint, I described a situation where Wells Fargo closed and opened new accounts in my name at least four times, without my consent, and how their doing so ruined my life in Oregon. Thankfully I have recovered, four years later, despite WELLS FARGO 'S best efforts to destroy me. Anyway, over the last few days I find articles in the XXXX and the XXXX XXXX, where employees describe being bullied and coerced into closing and opening customer 's accounts repeatedly, presumably in effort to generate new account volume and new account fees. This news comes a month after my initial complaint to CFPB, and still we have NO RESPONSE FROM WELLS FARGO except that they wish to delay their response. UNACCEPTABLE. I hope they are happy with their bonuses and knowing that they ruined my life in Oregon. I could say lots of curse words about WELLS FARGO, but suffice to say that a nice word like XXXX still applies to the top of the heap.
I received a judgement ( request and writ for garnishment ) slip from a company that I contracted for last year. This debt is more than 20 years old and is not valid or right according to my research. To elaborate on the situation here are the details, purchased a vehicle back in 1996, after a time the vehicle was stolen, no use in continuing payments on a vehicle that I no longer had possession of and yes the information about the theft was provided to Credit acceptance. Fist this debt is way over the statute of limitations and secondly I have not been served any papers to appear in court to defend the validity of the case. I do not have any papers due to the fact of the age of this situation and I am looking to see if there is any remedy for me due to improper handling of an old debt.
I had previously been told that Navient received a refund from XXXX University, after I stopped attending. When I called to follow up, I was told the representative who gave me that information was mistaken and no such refund was received. <P/>I requested a loan discharge on the basis of ineligibility to benefit and not being qualified as I did not have a high school diploma or GED at the time I enrolled in XXXX University ( I still have neither ). To work as a XXXX XXXX XXXX in Florida, I would need one or the other. I was not given an exam or test of any sort at any point by XXXX. I 've also faxed Navient my high school transcript, which shows I did not graduate, as well as confirmation that only half of the loan was actually dispersed, obtained directly from NSLDS. The rest clearly shows " amounts canceled '' and " amount dispersed ''. They do not equal up to the loan amount they 're saying I owe. They have the principal amount as {$4300.00}. The amount actually dispersed, as shown on nslds was only {$2600.00}. They requested I get a letter from the school stating I did n't have a diploma or GED. The school is closed and there is no way for me to get the proof they 've requested. When I asked them about this, I was told to contact the Florida Department of Education ombudsman. Due to the inaccuracy of the amounts dispersed, I was referred back to Navient. They are either unwilling or unable to assist me, as I was told they could n't see what was actually dispersed when I called on XXXX XXXX, 2017.
I have been representing a homeowner trying to do a short sale with CHASE bank and has an FHA loan associated with the short sale. Chase has this short sale set up to work out through a website called XXXX. I have been messaging the negotiator, the account manager, thier supervisors and everyone else that is associated with the file. After several weeks of being ignored, I have made several attempts to call into the Short Sale dept and ask for someone to respond to my requests as far as if our short sale package was sent to the investor for approval. Not XXXX person will or has responded to my requests. They are actually XXXX my file and not speaking to me or trying to help our seller in making sure that they are being represented properly in this short sale. I have tried just about everything to get them to respond to us in writing on what the status is on our file and can not get anyone to do that. This is ridiculous! Our file has been there since XXXX!
I purchased a home in XXXX, XXXX in XXXX, MD. I was up-to-date on my payments until XXXX XXXX. The house was listed for sale in XXXX XXXX as I had secured a position in XXXX to begin in XXXX XXXX ( XXXX ). I attempted to get a deed-in-lieu from my mortgage lender but proceeded in getting referred to office, number, after office, number. I moved to XXXX XXXX XXXX ( the house remained on the market ) but continued to make mortgage payments on the property for 3 more months. All the while getting the run around by the lender about deed-in-lieu, short sale, etc. 
Finally, I XXXX XXXX I declared bankruptcy for basically just the property. Unfortunately, my lawyer did not explain to me that while Chapter XXXX wiped out the debt - the property would remain listed in my name until a foreclosure sale was held. I was led to believe the bankruptcy would remove the home, mortgage, and property taxes from my name and return it to the lender. 
The lender sat on the this property until XXXX!!! Finally, in XXXX of XXXX it was auctioned off. According to an attorney I was working with during that time, the property sold at auction in XXXX XXXX. This was verified by myself with the XXXX County Courts. 
The problem : The purchasing party at the auction did not transfer the property out of my name until XXXX XXXX! when they sold it to a private party. I believe the purchaser of the property at auction as JP MOrgan Bank. Because of their fraudulent or negligent behavior, I have been prevented from purchasing another home. I have been gainfully employed since XXXX. This issue came to light, when 3 years after my bankruptcy, I put a contract on a home. At that time, I was attempting to secure an FHA loan. It was found that although it was 3 years after the bankruptcy - it was not 3 years after the foreclosure because the property sat as a " phantom '' vacant house up to that time. I was told I would need to wait 3 years after the property was sold at foreclosure. 
I have done that - waiting patiently for the opportunity to buy a home. Now, I am checking the Maryland XXXX real property site and it is showing the property did not sell until XXXX, XXXX. But both my lawyer and myself confirmed with XXXX County courthouse the property DID indeed sell at auction in XXXX XXXX. 
Can you please, please help me? I would very much like to secure an FHA loan to purchase a home and would like to begin my search in XXXX before my lease is up. 
Thank you very much for your time.
I called XXXX, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On XXXX internal system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over XXXX dollars a month.
the number they are calling is my work cell phone. I have repeatedly ask them to stop calling me at work, the caller apologizes then an hour later another call. this company also calls my house at least 15 times daily without leaving any messages. I have asked to speak with a supervisor each time the caller hangs up on me
I am writing today in wish to obtain your help. Currently I am working on examining my credit, paying down my balances, and working toward greater credit worthiness. You play a significant role in this procedure. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2017 and I am writing this in order to get this remark retracted. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.
My name is XXXX XXXX I have a Mortagage with Chase I've had my Mortgage with them since XX/XX/XXXX and I have never been late or missed a Payment I pay my Mortgage every XX/XX/XXXX of the month in the amount of XXXX over the phone, on the XX/XX/XXXX, or XX/XX/XXXX of XX/XX/XXXX I decided to pay extra towards my principal in the amount of XXXX $ dollars to be debited on the XX/XX/XXXX, on the XX/XX/XXXX of the month I called chase to make my mortgage payment in the amount of XXXX which is my mortgage amount, I was debited twice for the online payment of XXXX plus the XXXX $ dollars for principal, and the phone payment in the amount of XXXX. I called to check to see if my payment was accepted as I do every month after every over the phone payment and the recording said XXXX plus dollars I called chase immediately and they returned one payment and asked me which one did I want to pay I told them to disregard the additional XXXX $ just my regular payment they debited one and returned one. I received a letter the next month stating I didn't pay my mortgage in the month of XX/XX/XXXX I've sent them bank statements from My bank XXXX as well as copies from my bank statements, plus I bank with chase and XXXX and chase can see I paid, I tried contacting XXXX cause my credit score has dropped tremendously. Chase will not help me. I also talked to Managers, several people at the bank that also said they see the error but its nothing they can do. I'm out of XXXX that I cant afford and my credit score has been affected and they are calling me a  Thieve and a Lier!!! I'm neither I pay my bills
Equifax cc cfpb Good morning Equifax and The cfpb I want to first start off and express My feeling and Point of View about the Reporting agency. I have asked Equifax since XXXX 2016 of this year.. via certifed mail and which I have in many disputes via the cfpb website. You have yet to comply with any of my request. Equifax I 'm fully aware that you are not for the consumer at all. I mean The banks pay you people to report consumer 's information. But there are federal laws In place to protect people Like me.. But After carefully reviewing my credit report I noticed Equifax said that THEY Have investigated the barlcaycard account in almost every dispute. what i want to ask equifax how could you have verified the account was mine because on your credit reported the account number is not even MINE I placed a called to XXXX XXXX and they confirmed that there is no account in my name MATCHING THAT ACCOUNT NUMBER Equifax this is so iMportant as to why the governement allow consumer 's to have the right to asked for the original sign document because of this type stuff. god forbid if i had to buy a automobile or house and got a higher rate because of your reporting of negitive info. i also called your company yesterday and ask the rep at equifax to verify the account that you are reporting and she confimed the account number FOR WHICH YOU ARE REPORTING. so i asked you if you could please stop lying to me and the cfpb that you have verify the account and I know you have n't if you did you would have found out that this account is not mine ... I asked you to please remove the XXXX account ALONG WITH THE CLOSED XXXX AND THE CLOSED ONEMAIN ACCOUNT punto from my credit file. and yes XXXX is A S A P IN LAYMAN TERMS.. You should be ashmed of yourself for doing hard working people like this. I KNOW YOU DO NOT HAVE THE ORGINAL DOCUMENTS THAT I BEEN ASKING FOR SINCE XXXX 2016. IF YOU DID YOU WOULD HAVE SENT THEM TO ME BY NOW. AND YOU ARE WAY OVER YOUR 30 DAYS THAT THE FEDERAL GOVERNMENT ALL YOU TO INVESTIGATE DISPUTE. PLEASE REMOVE THE ACCOUNTS THAT I HAVE ASKED YOU TO DO SINCE XX/XX/XXXX. I WILL NOT EXPECT ANYTHING FROM THE ORGINAL CREDITOR ON YOUR BEHALF ...