WillisBack/dataset-financial-user-claim huggingface dataset:
I have received numerous and aggressive messages on my voicemail for a XXXX XXXX XXXX, which I have no clue who that is. The same person calls and identifies himself as XXXX XXXX, leaves his phone number XXXX ( XXXX ) XXXX, his ext XXXX, though when you dial the number it goes directly to him, but he leaves messages saying that XXXX needs to give him a called at the Law Firm of Critical Resolution. He indicated that she wrote a bounce check which carries jail time and the amount that she wrote is a felony charge. He said this was turned over to him by a XXXX XXXX. I initially ignored it, thought it was an error, but he continuously called. Well, he called so aggressively and nasty and repetitive messages left, I called and left a message informing him, he was leaving someone else 's personal information on my voicemail continuously and the last name he gave was mine but I am clueless as to the party he is speaking of. Well, he did not return the call ; however the nasty, aggressive, unprofessional voicemails continued. I contacted him once again, today, XX/XX/XXXX and finally reached him. I informed him that he was asking for a XXXX XXXX XXXX, he yelled at me and said I did not call you. I said, yes, you did, you constantly left messages for this individual and I have no clue who it is. He harshly said, in a yelling voice, well then, did I call this number you are calling from, I said yes and repeated the name that he asked for, he yelled at me and said I asked for XXXX XXXX, I said, you did not, you said this matter was submitted to you by XXXX XXXX. I said, I have your numerous messages on my voicemail, he rudely yelled again and said he did n't ask for XXXX and that I did not know what I was talking about and slammed the phone down in my ear. 

I got online and looked up this company to see if I could get a different number so that I can speak to a supervisor to inform them of the way he conducted himself. I located this number and the same person answered the phone, saying XXXX XXXX XXXX. I do n't know if this is a one man operation but it was outrageous in which he conducted himself. I deleted the messages but decided to keep one to support what I am stating to you. If he calls my home again, the next step will be a lawsuit.
Contacted Navient on XXXX loans that has a co-signer, I have been trying to pay them on my own because I am the borrower, the payments are too high they will not work with me and I have exhausted my forbearances ... .I do n't want to involve my co-signer because of a separation and the threat of being sued by the co-signer ... so I have tried to pay them on my own but the payments have increased and my pay has decreased ... .please help
I received my discharge for my bankruptcy on XX/XX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX when trying to obtain a new loan to start rebuilding my credit. I need this taken care of immediately.
I have been getting the run around on a legal description that is incorrectly filed. The loan number is XXXX and the company is PHH Mortgage. PHH originally told me that since the loan was sold to XXXX that XXXX had to make the correction. Upon further investigation and a complaint filed with the CFPB it was discovered that the correction needs to be made by the original company which is PHH. I contacted PHH and was given an apology and told that since the mistake happened before the loan was sold to XXXX that they would correct it. I submitted a request to PHH on XXXX/XXXX/2015 to the email address provided to me but when I followed up 30 days later I was again told that XXXX is who needs to correct the legal description. I asked for a letter of explanation but was told that it probably would not be provided. The representative I spoke to was very helpful but whomever she had to speak with would not correspond with me.
Company Reporting to my Credit as owing XXXX Dollars this is a result of someone using my name
I called Transunion to dispute a hard inquiry on my credit report due to fraud and they refused to dispute it referring me to the company. XXXX..I called this bank already and they told me there is no application for me. There is only an Rooms to go account that I have been an authorized user on since XXXX. That is no reason for them to check my credit in XXXX. This is fraud. No one seems to care when I call XXXX or Transunion. They are so unhelpful. Neither company cares that someone has attempted to get credit in my name or pulled my credit without my permission.
I cashed a check in the amount of {$2700.00} on XXXX XXXX, XXXX with Chase Bank. The company then proceeded to close my account and refuses to return my check or distribute the funds. They have cashed the cash and are in possession of the funds, but refuse to release them. This is a clear violation of banking law. Chase claims that I must have the person who wrote the check call them from a US phone number ( not possible as he is XXXX ) or have him visit a Chase branch and tell them the funds were intended for me. This is absurd as they already withdrew the money from the check writers account and he has no further obligation to me and furthermore this requirement is ILLEGAL. I have spent countless hours at my local Chase branches and talking on the phone trying to resolve this issue. Chase either runs me in circles or refuses to talk to me.
On XXXX XXXX I received 1 call per hour for 6 hours. To me this is harassment. All because my payment is 10 days past due in the amount of {$85.00}.
I lodged a complaint few days back to CFPB. The case # is XXXX. I opened a checking account online with {$1000.00} as initial deposit on XXXX XXXX and made XXXX direct deposits by XXXX. The bank had advertised that if I made XXXX direct deposits it will credit my account {$200.00}. The bank has not yet deposited the amount to my account. 
I filed a complaint through CFPB and the company responded that my account did n't have a promotion code attached to the account. The problem is at the bank 's end. Their site through which I opened the account stated, accounts opened online will have the code automatically attached. I have attached the screen shot as evidence. 

What I find frustrating is, I am not the only XXXX. The bank is trying to give excuses not to give the bonus. I believe it is a fraudulent business practice.
I use Coinbase to invest in Litecoin. When I moved my Litecoin to my USD wallet it wont let me withdraw it. Every time I try to withdraw it brings up the option to select a bank but my bank isnt on the list. When I try to opt out and use the card option it wont let me click my card linked to my account therefore I cant take my money out of Coinbase. I put in {$50.00} on XXXX XXXX, 2017 @ XXXX XXXX.
VW Credit does not have a valid enforceable contract. I timely reported the vehicle to be turned in when I was no longer able to pay the loan. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I have no knowledge of auction or any results from my many letters and disputes. I disputed the debt many times and requested validation. I also requested the item be removed from my credit due to failure to properly validate. XXXX failed to conduct a proper and thorough investigation that I am entitled to and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the VW Credit trade line stating "repossession",  my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. VW Credit 's actions were negligent and willful and wonton.
XXXX submitted a past due balance for services rendered my rental property ( service address XXXX XXXX XXXX XXXX XXXX XXXX ) to Focus Mamagement Receivables ( debt collection company ). The XXXX XXXX XXXX for the rental property states that services were not routinely rendered and disputed the charges with XXXX. Focus Mamagement Receivables Continued to contact me almost daily after I requested numerous times that they speak with my property management company that was handling the open dispute with XXXX. The company continually told me the amount would hit my credit XX/XX/XXXX if I did not pay. This is illegal as an account in dispute can not be added to credit reports as delinquent payments. I eventually paid the bill to stop the harassing phone calls as to avoid any damage to my credit. I am a military and any damage to my credit could reflect poorly on my security clearance/classification. I spoke with the property Managment company and they were never contacted and did not receive any letter coorspondance as Focus states they would do after each harassing phone call to me. This company is ethically bankrupt. They had no right to continue to harass me and make empty threats that they had no legal authority to follow through on. They lead me to believe that if the corporate level dispute I had with XXXX was not resolved in the next two weeks ( which disputes take months ) they would still damage my credit. Completely misleading me to pay for services that were not rendered.
Hello, I was looking at my credit report recently with XXXX XXXX and XXXX I see for some reason i have a delinquency on my XXXX report and i have no open accounts at all with any late payments or misuse of utilization. Also I did not apply for anything with XXXX   XXXX XX/XX/2017 on my XXXX report. XXXX XXXX XXXX XXXX XXXX did not have permission to run my credit report for any reason. They ran my credit that day twice one under their car dealership name and one under XXXX on my XXXX XXXX. furthermore I also did not apply to XXXX XXXX and I have been receiving phone calls saying i owe them money but did not get any loans from them I only have a hard inquiry for some reason and it does not show up on my accounts in any of the credit bureaus so that is fraud. Please remove these hard inquiries from my report and have that fraud delinquency removed as well thank you.
There are XXXX XXXX Mortgage accounts listed on my credit file that have not had a payment in 7 years, they have been re aged which violates my rights. There has been no investigation completed. If there was the evidence would reflect XXXX is past the statute and these XXXX items would be removed. They XXXX accounts are XXXX # XXXX and XXXX # XXXX
US Bank ( XXXX XXXX XXXX, XXXX XXXX, OH XXXX ) opened up a credit card without my consent. 
I have contacted the Bank and they have submitted a request to the Credit Bureau to remove my inquiry. I need the bank to take action as soon as possible on this issue
XX/XX/2018 XXXX XXXX XXXX was listed as a collection on my credit report for the amount of {$5500.00}. I did not receive any notification of this debt before posted to my credit. I disputed this debt with all 3 credit bureaus and was notified that the debt was verified. In XXXX I recieved a bill from XXXX XXXX XXXX for this same debt. Tried to speak with persolve legal group about the debt and was notified that they no longer have this debt. So I asked for validation of this debt from the credit bureaus and recieved a reaponse from XXXX XXXX XXXX. I contacted them once again and they told me again that they no longer have this account and that I would need to contact XXXX XXXX   XXXX which is who is listed on my credit reports. XXXX XXXX XXXX  does not have a working number. The address is not valid. I researched the company and found no way of contacting them. Asked persolve legal group for a working number or address for the company and they do not have either. This debt is on my credit and I have no way of resolving it or removing it. The credit bureaus are not doing there job as far as the verification process and validation of this debt.
I have had phone conversations and exchanged e-mail trying to resolve.  Chase refunded a credit balance in my account that amounted to $XXXX on XX/XX/18.  This credit showed up the same day I made a $XXXX  payment on the account.  The problem is that I was not contacted, the check was sent regular mail and they said it's because of the length of time the credit balance was reflected.  Note that the credit balance on the account, if any, fluctuates monthly so can't see how that might be but perhaps it's a regulation they have to live with.  In any event, why would they send me a check one day and on the same day I made a payment?  I'm now out the $'s as I have no access to the funds.  Have no idea when the funds will get here and they said something about a wire but that was like a week after stop payment on the check is issued.  The have taken control of my $'s, made no mention of it to me and are holding my $'s.  I believe the account would require me to pay 18% interest on  more so would expect that interest paid to me along with immediate access to the $XXXX.
I am writing this because I have been having nothing but trouble with the lender,  Navient.  They are EXTREMELY malicious and will NOT stop calling. They call at all hours of the da y INCLUDING while I 'm at  work and have demanded this to stop. I am not employed full-time because I was diagnosed with   XXXX   XXXX   XXXX   last year and almost died. After lodging multiple complaints with the lender and a complaint with the  XXXX , we were promised paperwork for myself and the doctor to fill out describing the severity of this sickness, but the paperwork never showed up. We also know that there are MULTIPLE lawsuits against  Navient abou t their practices and giving false information about individuals loans which led to credit issues with these individuals. NOW they are threatening to report what is going on to the credit bureaus. THIS IS NOT ACCEPTABLE and need some resolution.
XXXX has been non-compliant with removing the unverified account LENDMARK FINANCIAL S which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that LENDMARK FINANCIAL S was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
they are holding my money while making interest on it. They should have refunded the money on XXXX.2017 initiated transaction on XXXX.2017, then canceled it to change the amount to send because I noticed I was {$30.00} short in my bank account. So I canceled the transaction the same day. Next day they still withdrew money from my account. I called and spoke to XXXX ( located in XXXX ), he did not want to give me any details unless I provide last XXXX digits of my social security number although I had a confirmation number for transaction and its cancellation confirmation number. I asked to be transferred to supervisor, he said since I dont want to provide my social, he would not transfer me to supervisor. I called back again and this time lady transferred me to supervisor without questions asked. I spoke to XXXX at extension number XXXX, he claimed that they already processed a refund. I asked him to send me a confirmation via email because when I canceled transaction originally I received an email saying that " they were unable to refund automatically and have to do it manually ''. I never received anything confirming that they actually processed a refund. Until today I have not received that email. In the meantime, they withdrew money from my account which caused an overdraft. I had to borrow {$30.00} ( XXXX ) to cover that overdraft, can you imagine how embarrassing it is to have to borrow. Spoke to my bank and they did not see a refund being initiated, although XXXX said it will take 3-5 business days. Today is day number XXXX and since I did not see a refund, I called Money Gram again, spoke to supervisor XXXX. As per him, the refund will be initiated after 12 days if not longer, so they did not even start the refund. They are using my money and getting an interest on it and at the end I will have to pay a {$10.00} service fee, which is not right. XXXX did not offer any solutions but said just to wait. I asked them, since they did not start a refund, to release the monies to recipient, which is my brother, he needs to use money to get medicine for my grandmother who is not feeling well and needs her medicine. But they said no. And then hung up on me. I do not have other funds, those money was all I had. I will borrow the money from someone now and after this is all done, I will never use MoneyGram ever again. But right now I need help to get my money back.
I check my Experian credit reported, I notice Virtuoso SourcingGroup post on my credit file. The debt collection laws clearly been violated. The law is clear Debt collections suppose give me chance to validate debt { 30 days }, Virtuoso did n't do that, and this debt was Identity theft file with XXXX. This practice is unethical also illegal
I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has gone over the 30 day mark and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, they are required to " delete all information that can not be verified. '' I need your help. Thank you.
I HAVE LIVED IN XXXX XXXX NEVADA SINCE XX/XX/XXXX AND THERE IS A MEDICAL ACCOUNT ON MY CREDIT REPORT FRO, ALABAMA FROM XX/XX/XXXX, OR XX/XX/XXXX FROM  XXXX XXXX HOSPITAL IN XXXX, ALABAMA .. THIS S NOT MY DEBT I HAVE BEEN WITH XXXX XXXX XXXX XXXX XXXX CALIFORNIA FOR OVER 4 YEARS. NOR HAVE I BEEN TO ALABAMA OR A HOSPITAL THERE. THIS IS NOT MY DEBT FROM XX/XX/XXXX.PLEASE REMOVE FROM MY CREDIT FILE
I have XXXX and XXXX mortgages with Navy Federal Credit Union which I have been paying late for over a year after I fell behind for several months in XX/XX/XXXX. I submitted borrower response packages in XX/XX/XXXX requesting modifications on XXXX mortgages. I was offered a modification on my XXXX mortgage on XXXX XXXX XXXX, but not on the XXXX mortgage. During the same time period Navy Federal asked me to submit another borrower response package for the same mortgages. I submitted another response package on XXXX XXXX. I called Navy Federal on XXXX XXXX and told them I was unsure of what was going on with the modification. I did not understand whether I needed to accept the modification offer on the second mortgage in XX/XX/XXXX or wait for them to finish reviewing the borrower response package I had just re-submitted for XXXX mortgages. I scheduled the payment for my XXXX mortgage on XXXX XXXX but I did not schedule a payment for the XXXX mortgage because it sounded like I should wait for a call on the borrower response package. On XXXX XXXX I was contacted and asked for more information for the borrower response package, which I provided. Navy Federal asked me for additional information on several more occasions up until XXXX XXXX. I received XXXX letters in the mail on XXXX XXXX. XXXX letter from Navy Federal dated XXXX XXXX telling me my borrower response package was now complete, a second letter asking me to fill out another borrower response package to avoid foreclosure, and a third letter from an attorney dated XXXX XXXX explaining they were being instructed by Navy Federal to " commence foreclosure '' on my home. I am extremely confused and beat down by all of this. I have been paying my mortgage. I paid it on time for over 10 years until I fell behind. If this is true and they are foreclosing on my home over a misunderstanding I really need help.
On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from bank of America on XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
On XX/XX/2018, I moved out of XXXX XXXX XXXX XXXX XXXX in XXXX, KY due to my pending military XXXX. Before moving I talked with the Apartment Manager regarding my carpet and general cleaning cost and the total was {$300.00}. She stated that the payment had to be made by money order. I got the money order and paid the amount- no issues. A few weeks after I arrived in XXXX, I start receiving calls from unfamiliar number. I didn't answer the call at first but I later did and it was from IQ Data International. The person on the found stated I owed {$290.00} from unpaid debt from XXXX XXXX XXXX XXXX XXXX. I explained to the customer service rep, I paid the amount before I Ieft and that I was currently XXXX overseas. He stated that I needed to pay the amount or show proof I paid the debt. I was confused why I got the phone call so I called the apartment manager and she stated it was a problem with their system and they was going to work with IQ Data and get it fix. A few weeks goes by and I am still getting phone calls from IQ Data. On XX/XX/XXXX, I finally get a response back from the apartment complex and they stated it's nothing they can do to fixed the problem and I should contact IQ Data and try to resolve the matter myself. On XX/XX/XXXX, I sent IQ Data the email from the Apartment Manager that my debt was clear but I got no response. So on XX/XX/XXXX, I got several alerts from my credit bureaus stating I have a collections inquiry on my report from IQ Data. After seeing that negative inquiry on my credit report I eventually paid the {$290.00}. I spoke with a customer service rep from IQ Data and he said it will take 30-45 days to have the collections report removed from my credit report.
The company is harrassing me concerning a debt that is on my credit file due to fraud. They told me that do not care about whether it is ID Theft they are not going to remove the debt from my credit.
Grant weber will not verify by sending me a copy of my California ID since they are stating these are medical bills. They reported on my credit report couple years back that they are charge offs when I asked for identification. Now they are back on my credit report showing open. Still will not provide proper identification that they have authorization that it is me and they can try to collect after reporting charge off.
I am concerned to the point of complaint that two of the largest banks, Bank of America and XXXX, are discriminating against legal, law-abiding businesses to force them to comply with their product demands in order to do business with them. These banks should not be able to discriminate against businesses that sell a legal product ( guns ) that dont fit into their social philosophy. Today it is guns, but tomorrow it may be specific types of cars, as we all know that SUVs were demonized about 10-15 years ago. If large banks are allowed to discriminate against gun sellers and buyers, they can also discriminate against SUV sellers and buyers. Where will it end?. Too big to fail businesses that seek government bail-outs in hard times, should not be able to force their philosophy onto consumers when they no longer need government assistance. If banks are doing business in the public space, then they must provide their services in an equitable manner to ALL legal businesses.