WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received a phone called from consumers husband stating that consumer vehicle was missing. XXXX was then called because there was no reason for the SUV to be missing. The operator said that XXXX XXXX had consumers XXXX XXXX XXXX. Consumer calls XXXX XXXX and they proceed to say that the suv has a repo out for it from Nissan Acceptance Corporation. They then proceed to tell consumer that consumer needed to make an appt to get consumer personal item out of the SUV after they take everything out of the vehicle to assess the condition of the vehicle, XXXX XXXX  is hoarding consumers belongs, and unlawfully came and toke consumers vehicle. Also after speaking with Nissan ( XXXX ) she told consumer that XXXX XXXX was not to go inside consumers vehicle without consumer being present. Nissan also stated that they did not give XXXX XXXX   authorization to repo consumer vehicle, that they provided consumer information to a national data company, which is against the law, because Nissan did not get consumers consent to give a third party the consumers personal information. Consumer never received the statutory proper notices by mail per the North Carolina law stating they were about to repo consumers vehicle.
ever since XXXX mortgage sold our account to nationstar we 've been getting harrassed with written statements none stop. we went through bankruptcy XXXX last year in XXXX to be done with this but nationstar still harrasses us to this day. charging up insurance and other stuff to a non existent account. we 've had XXXX lawyers send them letters telling them to stop harrassing us but they twisted that into only verbal and not written. so now i ca n't contact them but they still harrass my family non stop with written statements.
To whom it may concern : I was reading on your site about " dual tracking in foreclosure '' and how there are laws prohibiting such an act. I would like to make a complaint against Astoria XXXX and the XXXX XXXX XXXX XXXX and XXXX & XXXX XXXX for violating this law. I would like to reference my previous case number XXXX as supplemental documentation for my complaint against XXXX ( Astoria XXXX ). In XXXX XXXX we were forced to file bankruptcy due to my spouse 's lack of finding gainful employment and after draining our bank account of all our savings when the mortgage company denied the short sale. 
Since our discharge in XXXX XXXX, we have received numerous calls and letters ( sample attached ) that say " This document is an attempt to collect a debt, and any information obtained will be used for that purpose. If you are in bankruptcy or, have been discharged in bankruptcy. This letter is for informational purposes only and does not constitute a demand for payment in violation of the automatic stay or the discharge injunction or an attempt to recover all or any portion of the debt from you '', the entire statement is contradictory to bankruptcy laws when the mortgage company and lawyers state the same thing but they are trying to collect a debt. 
Since XXXX we have had discussions with the mortgage company and have decided to try to loss mitigation route again to keep our home. We received our package in early XXXX and sent it back as soon as we could. The receipt is attached. While going through this process, the company intentionally foregoes the time to evaluate packages and plays games with the paperwork to make sure the time passes with no assistance. I have attached proof of how the original package request and document checklist is different from another package which came after the original. At this point, if they wanted to foreclose on the property why call and offer a loss mitigation package. Previously in XXXX and XXXX, I have submitted all the same documentation to no avail. Now, no less than a week after they receive the package, we receive a notice of a foreclosure sale XXXX XXXX, XXXX, from XXXX and XXXX who represent Astoria XXXX. 
There has to be some accountability for this sort of harassment even after we filed bankruptcy. We have kept this house in good shape while were here and maintained the utilities and upkeep hoping the mortgage company would stop playing games and refinance the home to something affordable, but once again you will see by the attached email it is no use. I am supplying all the documentation I provided to Astoria, and the redacted information is the same information I sent to them which was removed because it has our social security numbers and we have been victims before of identity theft. As you will see redacting our social security numbers and bank account numbers will be another reason for denial. Please have someone look into this, I have spoken to an attorney on the matter, but I am hoping to resolve this without having to take that route.
Offered XXXX loan, after paying XXXX over a four month period was told I had contributed XXXX dollars to the principal and now I owe over XXXX. Loanme.com I was told the finance charges accumulate every day and that the payments alternate one month you only pay interest one month you pay interest plus a dollar towards the principal amount the interest is about 95 %.
In  XXXX  of  XXXX  I opened a  XXXX  account, with the hope of building my credit. I paid the {$30.00} fee and ordered  XXXX  item. However, there were delivery issues and the item was returned by the post office. Thus, my account still had a {$0.00} balance.     So, I tried again, ordering a smaller item and unfortunately, I had the same issue with the item be undeliverable and sent back to  XXXX . After the second attempt, I was given my {$30.00} enrollment fee back and closed my account.     Fast Forward to  XXXX  and the harassing collection calls begin.  XXXX  was contacting me, stating I owed {$100.00} in interest only charges. I spoke to the billing department an d 3-4 pe ople over the course o f 5-6  months ( beginning  XXXX   XXXX   ) a nd they all confirmed that I did not owe any charges, as I never purchased an item and the mistake would be corrected and the calls stopped.     The calls did stop, for a while ; however, my credit report still showed a {$100.00} balance and 30 day delinquency on the balance. So, I reached out to  XXXX  's credit department and they agreed that my report was in error and promised to update it. After two months, I reached out to the again, because although   XXXX   showed the account as closed, it still showed a {$100.00} high balance. Experian shows no balance, but a 30 day delinquency and not closed. Experian shows a {$100.00} high balance and not closed.     I have disputed this information with all  XXXX  creditors and the account was " verified '' ; however, this info is incorrect.     I have talked to  XXXX  and they claim my account was deleted on all  XXXX  bureaus, but as of today, it still stands.
I have no knowledge of XXXX debt and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me
They keep calling me all day long every hour or XXXX for the last XXXX or XXXX weeks. They have called my job and I have told them not allowed to have personal calls. Have also emailed XXXX and tried to make arrangements still continue to call me. And they have called a couple of my friends more than once that may have been listed as references on application. I feel like I am being harrassed and no wmy friends are being harressed too.
I am having an issue obtaining my credit report with Experian,  XXXX  and  XXXX . I have called all  XXXX  of the companies and they have told me that there is no block or freeze placed on my credit. When I try to sign up for consumer credit monitoring websites, I am receiving messages like : " Your personal information does n't match with credit bureau records ''. I am including a screenshot o f one  of the websites for review. I need to be sure that the credit bureaus have the right personal information on file for me. I have researched this issue and I have come across several one star reviews and complaints by consumers who have other persons ' information on my credit report and this is what causes issues like these. A bank was able to pull all  XXXX  reports for me back in  XXXX     2017  so I do n't know what has transpired since then to suddenly cause incorrect information to appear on my credit report. I am also going to include a copy of my driver 's license for the CFPB 's review with my current address and name. Please see attached.
On XXXX 2017, a letter disputing an item being reported on my credit report was delivered to Carmax in XXXX, GA. I requested that they investigate the account and return the results to me directly. After 45 days, I had not received a response and called for further information. They indicated that they had lost the letter. On other occasions, they attempted to collect a debt without disclosing that as an intention. On at least one occasion, this occurred on an outbound call. I would request that this item be removed promptly as is provisioned in the FCRA wben data furnishers are derelict in their duty under section 623.
I recently applied to increase my credit line for my home equity loan with Regions Bank. I called and talked to XXXX XXXX XXXX XXXX at Regions. She quoted me a rate of 2.99 % for the 1st year due to relationship rewards and a 3.5 % rate after the first year but on a variable rate. This was much better than my current 5 % so I asked her to start the process. I wanted to increase my credit line to build a covered deck. Once the appraisal and the paperwork were ready I went in to sign the papers. I saw the 6.75 % on the papers but XXXX XXXX assured me that the rate was just calculated differently and that I was getting a better rate .... the rate I was promised. I told her I just wanted to make sure I was n't going backwards and she again assured me that I was getting a better rate. I trusted what she told me and I signed. About 10 days later I got a statement. The first thing that caught my attention was that the finance charge was around {$15.00} higher than the month before. I had drawn nothing off the account. I again looked at the rate and it said 6.750 and pulled out the statement for the previous month and it said 5.000 as the annual percentage rate. I went to see XXXX the next day. She promised me that she would do everything she could to correct this. A few days later she told me that the bank had agreed to give the the 2.99 as promised for the first year but I was stuck with the 6.75 % rate as I had signed the papers. I signed the papers under the understanding that I was getting the lower rate. I feel that I should be able to revert back to the original loan with the original credit limit as it has been less than 30 days. She told me that I was only given 3 days to back out of the loan. I had not received a statement at that point so I did n't realize there was a problem yet. I just want to revert back to my original loan as I was given incorrect information during the signing of the loan papers.
BBVA-Compass admitted to making an accounting error ( CFPB Case # XXXX ) which left me with a {$20000.00} bill and not a mortgage. I request the right to have the bill converted back to an up to date mortgage. Because at the time of the accounting error, I was making timely payments. Also, I want to be allowed to refinance the {$20000.00} mortgage at the current interest rate based on my credit scores : XXXX, XXXX ; XXXX, XXXX.
Hello, I have contacted companies on my credit report that you ( transunion, XXXX XXXX ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX, its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with XXXX just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to transunion and XXXX when they investigated they removed and corrected debts not owed by meXXXX XXXX  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way XXXX. Thanks XXXX and transunion for doing your job and please delete XXXX XXXX from your files as well. 

XXXX XXXX XXXX
I submitted a ad on XXXX for a XXXX ticket that my daughter at last minute was unable to attend. Someone with the name of XXXX XXXX purchased this ticket from flordia. A month later I received a message stating the ticket was no good. I contacted XXXX to verify that it was good and have the email from them stating this. XXXX XXXX image states ok my bad ill check again next month when I go. The second month I get a email from pay pal stating that he did a reverse payment dispute with his credit card company. I feel he has done this to many people defrauding people credit cards companies and so forth. As he seems to be a reseller of tickets I do n't know if this is even the right people to contact about this or not
Wells Fargo automatically lowered my monthly automatic withdrawal payments. They did this because I have made additional payments to my loan in order to pay it off earlier. The letter they sent did not use clear language to indicate that my loan would not get paid off sooner, like I intended. I called Wells to get further clarification. The person on the other end could not explain the reason for the lower payment in a basic understandable format. I worked in lending and currently work for a securities regulator. If I did not work in these fields, I would not have understood that I would not be paying off my loan sooner, like I planned, based on the letter and the Well 's employee.
On my Equifax Credit Report, Under Account Details for XXXX, it shows Customer Deceased. I have called in the Past and Spoke with XXXX different Customer Services Representatives at Equifax, who ensured me that error was corrected at the time but as a today still shows the same error. I ca n't get my credit scores neither apply for anything because they denied me for that error.
Bought a set of XXXX tires promotion related to this sale was a XXXX debit Visa card issued by CITI bank. Card arrived by mail today XXXX/XXXX/2017 and expiration date on card was XXXX. Tried to activate card. Was not able to. Called their customer service which was horrible and no help with first person so I asked to speak to supervisor. Supervisor was XXXX employee no. XXXX. I asked her if they could reissue a new card due to the late arrival of my card. She said she could not and was also of no help so basically I am now out XXXX dollars due to a postal service XXXX up and total lack of customer service from CITI.
I have sent notice to credit reporting agency that there is an error by XXXX communications on my report. 1 ) I cancelled XXXX due to poor service 2 ) XXXX is an internet company that invoices month in advance 3 ) I did not pay the last invoice as I was not getting the internet speed they charged me for, and they bill in advance. 4 ) XXXX sent my account to collections. 6 ) Not only is this on there once, it appears as a collection three times on my credit report. 7 ) I contacted XXXX years ago about this, they did nothing. 8 ) I 've contacted credit reporting agencies, and I have heard nothing back. 9 ) This has affected my credit rating. I do n't feel I owe this amount ( about {$62.00} ). And I feel all XXXX these collections should be removed from my credit report. Can you please help me? Poor credit results in me paying higher prices for insurance and interest rates. How can I get this collections off my report? It was a prepayment and service was horrible.
I am struggling to make my monthly payments on my private student loans. When I asked my servicer for help I was told my co signer makes too much money for me to be given a lower payment. I explained that my co signer will not be helping me, the lady was quite rude and said there is a difference between ca n't and wo n't help. She told me that technically my co signer can help and they wo n't lower my payments. Now I feel stuck. I want to pay on time and in full but I 'm struggling and the servicer seems so unwilling to work with me. Help!!!
XXXX XXXX 2017, an unknown hard inquiry pull was made on my credit report. To my knowledge I did not authorize this pull to be made. In requesting I 'm asking to see valid validation of my approval consent and signature stating I authoriz this hard inquiry.
Experian has received notarized bank affidavit letter to remove  XXXX   XXXX   XXXX   XXXX   XXXX   from my credit reporting file.   XXXX   XXXX   XXXX   XXXX   is falsely reporting another person 's file on my credit report including wrong address, historical information for over the last year. I sent in dispute for Experian to provide the method of verification WITHOUT using the  XXXX  system of sending Office of Recovery services  a 2 or 3 digit  code, to actually provide the physical documentation and they have violated my rights under the FCRA. By again using this fraudulent method of   XXXX   verification and I intend to litigate if they continue to fail to comply to the FCRA and fail to remove this account.
While booking a flight on XX/XX/XXXX on XXXX XXXX a popup offered a {$200.00}. discount off the ticket price if I applied and was approved for the Citibank AAadvantage Plantinum Select Card. I  applied for the card and was approved the same day but in trying to use the card to pay for the ticket, which payment had to be made within 24 hours the payment was denied for lack of a cvv number. Citibank gave me the card number of the approved card but said they could not give me the cvv number or a temporary number. They advised me to call XXXX to try to get the payment approved. XXXX   said they could only approve the card with a cvv number and referred me back to Citibank. Citibank again said they would not give me any sort of temporary authorization, thereby making it impossible to use this card to obtain the promotion on this ticked even though it sent me email saying the card was open. I can not use the card until I get the actual card with cvv in about a week, thereby making this promotion false advertising.
On XXXX/XXXX/XXXX I received back to back calls from ( XXXX ) XXXX & one call to my home. Voicemail was left by XXXX, stating that needed to verify address & employer so they could process their claim against me. Threatened to contact my references. Was told I could call ( XXXX ) XXXX, no other information was given. I could on XXXX/XXXX/XXXX & was told that they, Global Recovery Group, were trying collect on a Payday loan that I " applied '' for online & " received '' from XXXX XXXX XXXX in the amount of {$450.00} back on XXXX/XXXX/XXXX. I informed that that I never took out such a loan & never heard of this company. Insisted that because they have my email address that I did do it & just do n't remember the name because the online site was just how I applied. They also know my bank account number which has me nervous. Was given a website, openconsumer.info that allowed me to access my account with them using my claim # XXXX. It shows my SS # and address, but no date of birth or employer. it has a tab to view documents but no documents are there. I faxed bank statement with just deposits visible to prove no deposits were made in that amount at the time they say I took out such loan. I asked for verbal & written confirmation that the matter was resolved & was told that they could not do that. When I explained that all debts paid get proof, I was told I was being too technical. The website now shows inactive with a balance of {$620.00}. This has all the signs of a scam/fraud. The XXXX XXXX is warning consumers to be aware of scam debt collectors operating into south Louisiana. 

The XXXX has recently received several calls from concerned residents concerning at least XXXX variations of this type of scam over the last two weeks. 

The first scam involves scammers calling consumers and informing them they would be arrested by local law enforcement in the immediate future if they did not immediately remit payment for a payday loan they took out months or even years prior. 

In most cases, residents have never even taken out these loans, but the XXXX has received reports of people paying XXXX to avoid the possibility of arrest. 

These callers are also persistent and violate state and federal phone collection laws by calling at all hours of the day and night to home, cell and work numbers. 

Scammers do this in order to either annoy residents at home or embarrass innocent employees at their work place in order to pressure them into paying in order to stop the harassment and threat of possible job loss.
i have held health insurance for over seven years. I found this account on my credit reports but have never had any correspondence from them regarding this account. My personal details where compromised in 2012. Please verify the address on this account because there has been attempts to open accounts from an address that is unknown to me in my credit files.
I financed my house with a 15 yr, fixed rate mortgage and have paid mymortgage on time every month. Further, I have paid an additional $ XXXXto principal with each loan payment since the inception of the loan. 
Normally on fixed rate mortgages, the interest decreases while thepayment to principal increases as each payment is made. On theservicing of this mortgage, the interest that I pay fluctuates with everypayment and does not steadily decrease. For example, the interest thatwas posted on the statement dated XX/XX/XXXX of {$100.00} isslightly higher than the interest posted on XX/XX/XXXX of {$100.00}. Ibelieve that the allocation between principal is calculated incorrectly for afixed rate mortgage. I wrote to BB & T and received a timely response, but the letter does not address my concerns it merely cites that it is incompliance with CFPB regulations.
I was unemployed for approximately 6 months without income in 2014, and during this period my studend loan interest was accruing, and I was not aware I could have this deferred. I have tried to retroactively defer the accrued interest, but he debt collectors say nothing can be done. 

Please advise. 

Thanks
I 'm very aware of the FDCPA- I understand that I have a responsibility to pay my debt. Yet my creditor should never harass me. On multiple times have I gotten a text message, email an voice mail all in the same day. I 've spoken with them about there practices, they seem to think they within the law which allows them to call me three times in a day. One day I spoke with a rep, told him how unhappy I was with the aggressive attempt. I disconnect the call, he followed with an email subject " Thanks for hanging up on me ''. Please help!!