WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX AARGON COLLECTION AGEN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON COLLECTION AGEN XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX
I have a soft inquire from  XXXX   XXXX . I never had no dealing with   XXXX   XXXX  . Please remove this from my inquires. Hard inquiry from  XXXX . I never had no dealings with  XXXX . Please remove.  XXXX   XXXX    XXXX   has been closed  ( Paid and closed ) and should be removed fr om my report.  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED ).  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( CLOSED )
XXXX XXXX XXXX or a company acting like XXXX XXXX XXXX has recorded an Assignment of Deed as well as a Notice of Default and a Notice of Sale. on my property. 
I am not sure XXXX XXXX XXXX would this ; because I have a statement from them indicating that the do not own my property. 
Can you help extend the sale date so I can take proper action. 
Attached is the letter from XXXX XXXX XXXX My wife was the borrower ; she passed away on XX/XX/2016. 
I am the surviving widow filling out this complaint
I have an bank account with Ally Bank and I have used the wire function of the Ally Bank. 

I have found the process to be extremely slow and have called up multiple times to confirm the wire amount and beneficiary with the Ally Bank Staff. 

I have spent hours on the phone dealing with Ally Bank staff and their wire department staff. I am very dissatisfied with the wire service they have provided and I kindly request that Ally refund me the {$60.00} I have been charged on wires.
Account Name Original Creditor Open Date Status BalanceXXXX-XXXX XXXX XXXX XXXX XXXX XXXX, 2011 Open $ XXXXType Description Additional InformationOwnership I have no knowledge of this account. N/AXXXX XXXX XXXX
On  XXXX   XXXX  I had to leave and go to Missouri for 18 months, while away  Wells Fargo allo wed my checking, savings acct. and credit card to be mishandled and closed them and reported them negatively to all   XXXX   credit bureaus, they never reached out to me. When I returned  XXXX    XXXX   I went into my local branch and after careful review they noticed I was not at fault and told me that I would not be responsible for fees that were associated with the account and they were going to reopen my credit card and checking and savings acct and update back to where they were prior to my depArture. None of the above happened, they even made me pay the money associated with the fraudulent activity. After 30 days past while I allowed them to investigate, no one ever contacted me I continued to visit the branch and I was treated like a criminal. They then told me they never promised to reopen any accts. they said they would look into it, what does that mean? Rou ghly 2 w eeks ago they insisted I pay the fees incurred from the late fees incurred on the credit card. I informed them that I would be filing a cfpb complaint.
XXXX 2016 I went online to schedule 2 payments for my student loans. Each payment was set for a reasonable amount under XXXX to ensure my family could budget the payments. XXXX XXXX, 2016 I went online to check my bank account balance and Navient had deducted over XXXX from my bank account which I did not authorize! My family would not be able to live with that amount taken from my account. I was told I would need to issue a stop payment with my bank which I did. Thank goodness my bank is a local community bank and they took care of everything. Navient did not apologize for their error and could not explain to me how the error occurred. They tried to say it was my fault. I would have noticed if I chose the option to pay off my loan when I was setting up the online payments. How can I can make such a large mistake? The system has issues when setting up payments. They took my bank account information and applied the entire loan and deducted the balance from my checking account. I no longer trust the online option and will have to mail a paper check for my loan. I am discouraged in the system especially since my niece has a private loan and I am scared she will have the same issues as I did. I am making every effort to avoid my children having to take out private loans when they go to college.
I tried to use my credit card in XX/XX/XXXX only to have it denied ... i had just paid my bill recently and I knew there was plenty of funds on the card, so I called customer service. I was told that my account was past due! It was not!! At some point, the customer service rep advised me that my billing due date had changed ( by accident ) since I had not authorized this change. My billing date was always around the middle of the month and all of a sudden it was showing due by the XX/XX/XXXX of each month. I told the representative that I had NOT changed the date and it needed to go back to my original due date. She assured me that she would take care of this and that it would not cause any issues! Since the middle of XX/XX/XXXX through present, I repeatedly receive emails saying that I am " past due '' or behind on payments, which I am not! I have called them about 3-4 times regarding this issue and I can not use the card because it is showing I am past due! As of right now, I paid {$50.00} before the due date and which is also more than the minimum payment and my purchase of {$42.00} was denied this weekend! My online account statement says that I have {$64.00} remaining credit and that I am past due. They need to get it together and get this issue fixed immediately! I am tired of dealing with it! Furthermore, I am not sure if I am being charged a late fee unneccessarily or if the " lateness '' is being incorrectly reported to credit agencies. How long does it take to fix something like this? I wouldn't think it would take this long!
Hello, I received a phone call on Friday XX/XX/XXXX from a lady named XXXX XXXX she told me she was working with a collection company for US Bank and I needed to call this number in order to fix my situation or they were going to freeze my assets and get a hold of my HR at my job. The number she wanted me to call is XXXX XXXX XXXX. This lady stated in my voicemail that I still have by the way, to clear my checking account problem soon and it's from XX/XX/XXXX. I didn't receive my voicemail until Saturday morning XX/XX/XXXX at that time I called the number she left on my voicemail I reached a guy named XXXX XXXX from phone number XXXX XXXX at extension XXXX. Then he proceeded to tell me we were being recorded as we were talking and he can use this for court purposes he told me I need to clear up this matter that I had US Bank and I supposedly wrote a check for {$24.00} and it went into overdraft and he stated they forced closed my checking account in XX/XX/XXXX mind you XXXX XXXX told me it was from XX/XX/XXXX. Me being scammed and a victim of identity theft I also have the XXXX XXXX monitoring my credit because I.work for the XXXX XXXX. I checked into this to find out it was a scam and l was to go report this. They were asking me for {$2700.00} I told him I was not paying anything until I found out if this was legit he advised me to call back as soon as possible to fix this matter or my assets will be froze! I also told him I had my account at US Bank till XX/XX/XXXX that he was a lier!!!! I did not give him any personal info! I'm so sick and tired of these scammers trying to rip off hard working people! Please find them and prosecute them. I'm also looking into an attorney to sue them. Thank you
It was determined that a tax lien was filed against me in error. The Department of Revenue released the lien and the reporting of such lien by the Clerk of Courts. I sent a letter to all three credit reporting agencies. The lien was removed from my XXXX and XXXX credit reports, but Equifax refused to honor the letter. I contacted them again regarding the matter and they still refuse to remove the error from my credit report.
I have faxed Experian and XXXX XXXX the judgment that the court files were paid in full and satisfied. They are still on my credit report
XXXX XXXX XXXX is reporting negative information from XXXX XXXX XXXX under my name and social security number. I never opened the account they are reporting. This account was opened due to identity theft. I submit a police report to them reporting identity theft and based on my consumer rights with the Federal Trade Commission " if a police report is filed based on identity theft the item is supposed to be removed immediately ''
I have disputed inaccurate information multiple times with XXXX, XXXX XXXX and XXXX XXXXXXXX service. These 2 accounts are not mine but still remains. 

{$1600.00} Original creditor : XXXX XXXX XXXX XXXX   XXXX PA {$710.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX PA
I went to Macy 's and purchased XXXX items. The clerk was pushing me to open a macy 's credit card and told me my purchase qualified for 20 % off ( up to {$100.00} ) if I opened a macy 's card. I did ( it took a while ). I was assured that the discount would appear on my first statement. The receipt for the credit card said something similar : " Your NEW ACCOUNT SAVINGS WILL APPEAR ON YOUR 1st STATEMENT, not your purchase receipts. '' I called Macy 's multiple times ( they were closed originally ( do n't open until XXXX ) ) and had a complex system that did n't recognize my account number ( and wo n't let you in until it recognizes your account number ). I spoke today to XXXX ( employee number XXXX who told me she would " manually '' put in the discount. I asked why it was n't applied originally and she had to go ask someone. I told her I was going to file a complaint. She came back and said it was because the system did n't recognize the delivery of my items. This makes no sense! 

I want Macy 's to be held accountable so folks that do n't have the ability to review all statements and remember the commitments and navigate this complicated system are n't taken advantage of. You should n't have to dispute a bill to get what was promised to you. 

I would like the practice of promising a discount to appear on your credit card statement but not on your receipt to end. This puts the onus on the consumer to try to track down that discount. It should be given immediately when the charge to the card is made. That way the receipt matches the true cost and provides documentation of what the consumer believes she is paying/owing.
They call a XXXX times a day. On my cell phone. They never leave a message. The few times I have answered, there is nobody on the other end and the call disconnects. I 've found out through looking up XXXX XXXX ( from my caller id ), that they are some sort of debt collection agency. I 've also learned that they are rude and threatening. I have no way to stop these calls. I put the numbers in my reject call list but they always call from a different number. I ca n't get in touch with them, but they are calling and calling. I 've received no mailings from them and I just want the calls to stop.
OnXX/XX/2018 I filled out application online with Frost Bank I was approved and added money to the account. The next day I received email that I was not approved for the account. How can they say I was approved and let me deposit money in it then close it? I also transferred {$21000.00} but I'm assuming the account was already closed so I don't know where that money is there customer service has not giving me any information how to get my money back other then you should receive a cashier check I don't want a check I want it back the same way they received it. I received the debit card the other day so I don't understand how they can steel my money.
Requested detailed information for this debt did not receive they are reporting SW Credit Systems Then I guess sold to XXXX XXXX or vice versa They are both reporting the same amount but unable to get any information of exact details of the debt.
Asked via phone calls and email correspondence, to have payment dates moved around, also expressed that payments for the next few weeks would come out on later days due to my current finances. 

The customer service rep XXXX XXXX, has been calling harrassed me, and threatened to send my car in to collections for being as little as a day behind. I requested several times to have someone else take care of my accounts, but she still harasses me. 

I called the number she specified for me to call, and someone else took care of my payment, and she refunded it, because she said she was the only one who could authorize payments on my account. She then threatened to send my account to collections. I assume they must make some kind commission of off payments, so she hounds me to secure her commission. 

I didnt have any problems with my account until she interjected herself. She disables my online account so I cant make payments. And refunded my money, because it takes 7 days to hit my account and now they are going to apply late fees, and report me negatively and reduce my credit score.
As of XX/XX/XXXX I paid Chase in the final payment for the settlement agreement. In XXXX XXXX I receive the letter of agreement for the final payment. I wanted to make sure that my credit history was all set and it would be off of my credit history but it wasn't not. When I checked with XXXX  on XXXX XXXX they told me that it was charged off when it was paid off. I called chase XX/XX/XXXX and they told me it was charged off as of XX/XX/XXXX which I was unaware of aslso I didn't recieved any letter that it was written as a charge off and was told even if I paid the whole debt off they still will not remove the charge off.
a credit card with Capital One, had an auto renewal fee, with no statement mailed to me, and added a late fee, over time, I had a reporting on my credit report that had negatively effected my credit rating. I have not used this card in years, if I ever used it. I do not recall getting their card in 2011. I am attaching a page from my credit report. Capital One has reversed the charge on my account, but my credit report is still showing a lower score due to this mistake on the report. Can you have it fully reversed?
I am refinancing my coop mortgage. 

With a coop the collateral is the stock. My current lender, Astoria Federal, possess the stock. My new lender, XXXX XXXX, has requested the stock from Astoria on XXXX XXXX, 2015. It typically only takes about a week to transfer the stock but as of today ( almost four weeks later ) XXXX has not confirmed if/when they will transfer the stock. 

I have already paid over {$1000.00} for fees relating to this refinance and further delays will add additional cost to me. 

I have contacted XXXX Federal, their mortgage service company ( XXXX ) and the attorney representing Astoria XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and no one has been able to confirm the location of the stock or how to retrieve it.
Do n't know, nor have I ever applied, signed ANY application for any loan from Lending point ... got a email saying that I had applied for a installment loan, and that I was declined!!! All this unbeknowest to me ... I sent a email to Lending Point letting them know that I had NOT applied for ANY credit installment loan, and that if they were reporting that to the CRA 's that I would be filing a complaint in  XXXX   XXXX  Superior court for them erroneous reporting a inquiry to the CRA 's in violation of t he F.C.R.A. I  have also filed a Identity Theft report with my local police station ...
I RECEIVED A SMALL LOAN OF {$700.00} WAS TOLD OVER THE PHONE MY TOTAL AMOUNT OWED AFTER APR WAS XXXX DOLLARS, I HAVE NOW PAID OVER 3000 DOLLARS!! AFTER DOING THE MATH MY APR IS OVER 637 PERCENT!!! THIS HAS TO BE ILLEGAL. NOT ONLY DID THEY LIE ABOUT HOW MUCH OWED AT THE END OF THE INSTALLMENTS THE 637 PERCENT APR IS UNETHICAL AND A SCAM
My loan was original with XXXX XXXX this is where I received a loan modification with my first payment beginning XX/XX/XXXX at {$760.00}, I made all three payments on time. Suddenly my loan was transferred to Ocwen where they made me apply again and again. 
On XX/XX/XXXX, I received a letter from Ocwen stating that they have received all my documents, yet they have not given me a loan modification have struggled to keep this home for my family. Now I have a letter from OCWEN dated XX/XX/XXXX, stating my investor Trustee of XXXX Securitization Trust Series XXXX does not participate in HAMP. First of all I never received any such notice of a transfer, additionally, I was already approved and paying for a loan modification. I do n't know if my trustee is the same as it was when I was with XXXX or has it changed, again, no notice.
Our sales closing date was today, XXXX XXXX, 2015. 

XXXX XXXX - Our loan application package was submitted in full with the understanding from our chosen lender that " as soon as all the papers are verified as received, we will pass them to the underwriter '' - every. single. document. requested was provided to the lender and the lender confirmed receipt in full. 

**XXXX! ** XXXX - The package was given to the underwriter. 

XXXX XXXX - a few additional documents were requested. These were provided by return email within XXXX business hours. 

Monday, XXXX XXXX - was a holiday. 

Friday, XXXX XXXX at XXXX - the lender requested ANOTHER document. 

Monday, XXXX XXXX at XXXX XXXX - the requested document was sent by return email with a gentle reminder that we were scheduled to close on Tuesday, XXXX XXXX. 

Monday, XXXX XXXX at XXXX XXXX - we were phoned and told the closing documents would not be ready by XXXX XXXX at XXXX XXXX and that the lender would call in the morning and " let us know when the documents could be ready ''. 

After no call in the morning, our realtor phoned and rec 'd voicemail and I emailed the lender 's manager for an update. The lender called and said " no closing today ... or tomorrow - the fully underwritten package would be sent to the MI company on Wed, XXXX XXXX. ( WHAAAATTTT???? ) and perhaps close by Friday, XXXX XXXX ...? '' PERHAPS???!! ... .by ... ..Friday???! 

What is our recourse? Who compensates us for the loss of income for the days we have taken off of work to close and move? for the current lease that has been cancelled? for the movers that have been scheduled? for the family that is now unable to move in here because we can not move out? for the pre-move-in renovations and repairs that can not now be done because the builders and contractors are fully scheduled for the rest of the summer and fall? Who watches our dog during the move because the kennel is now full with summer vacationer 's pets? 

I mean, EVEN IF THE LENDER HAD DENIED OUR LOAN 5 WEEKS AGO!, we would be better off than we are now. Had they said WE WILL NOT TOUCH YOUR DOCUMENTS UNTIL THE END AND THEN, WE PROBABLY WILL NOT MAKE YOUR CONTRACTED CLOSING DATE, we could have arranged a lease/purchase with the sellers and moved on time. 

IF THE FAULT WAS OURS, we would eat the delay and apologize profusely, but we had no fault. Our package was complete and the requested additional documents were minor, and WE GAVE THE APPLICATION PROCESS EIGHT WEEKS. 

There was no reason for us to believe the lender would not meet our extremely generous future close date. 

What can be done to close tomorrow, Wed XXXX XXXX? Does the CFPB have any pull to coerce an immediate solution? An immediate close?? 

Or can you only listen to us complain about a broken system? 

Lenders need some serious XXXX XXXX. 

... and some financial penalties TO. THE. BORROWERS. when they have been such pompous and ignorant butts about the whole ordeal. XXXX knows if my mortgage payment is late - " ... maybe Friday ... '' - I 'll pay a financial *and* a credit bureau penalty.
I signed up for a transunion account today thinking I was just signing up for an account the same way you sign up for XXXX XXXX and XXXX etc. After I registered and verified my identity, it took me to the dashboard but wouldn't show me a score. The dashboard area has a link that says " get the full picture ''. I clicked the link and it took me to a page for ordering " 3-bureau credit report and score ''. I closed out of the page because I realized it wasn't free so closed the page and I logged out of my account. I opened my email a short while later and see an email from transunion that I had been charged {$19.00} for TransUnion Report, Score, and 3-Bureau Credit Monitoring and that it will be a monthly charge until I cancel. I was very surprised by this so I XXXX how to cancel and followed the steps to cancel the subscription. However, I on the cancelation page it showed I have already been charged a one-month subscription fee from XX/XX/XXXX to XX/XX/2018 and I don't even understand why. I didn't actually place any order on the " get full picture '' page, I closed out of the page completely so I don't even understand what I was charged for? Do you get charged simply for registering and creating an account? There was no indication during registration that I would be charged. When I was asked to enter credit card information on the sign up page, I assumed it was part of ID verification. I am thoroughly confused right now and would like a refund of the {$19.00} I have been charged.
I have had a Capital One credit card for some time as other 's but ItIs the first time I have noticed that I'm been charged for fee 's and Interest charged on purchases, I alWAYS PAY MORE THAN THE MINIMUM PAYMENT, Since last year I began to see these charges, none of my other cards have I seen this practice so far including a member fee of {$39.00}, and other charges on purchasing from {$42.00} to {$38.00} every time I make a purchase 's At this rate I will never pay down my principal. 

To this date there has been a total including Member fee of {$270.00} since I never looked at previous statement I just paid my payment there could have been many charges n previous years, I would like my money back and this form of Business to stop.