WillisBack/dataset-financial-user-claim huggingface dataset:
I continue to get bills from AFNI for {$1100.00} for an XXXX XXXX XXXX XXXX account that was paid through a back and forth dispute between XXXX XXXX XXXX and myself. The account was already handled by XXXX XXXX , XXXX who continues to call me and leaving messages or hanging up 2-3 times per day. I did make a complaint to the CFPB and explain that the account was taken care and paid through another collection company XXXX XXXX in XXXX XXXX. I have been in dispute with the original creditor and have an ongoing case open with the FCC against XXXX XXXX XXXX. AFNI Inc. has continued to report inaccurate information to the credit reporting agency about a debt that is not correct. I have now sent a complaint to the XXXX Attorney General about AFNI violating my rights under the Fair Credit Reporting Act. I do not owe the AFNI anything and they continue to report inaccurate information to the credit agencies.
HELLO, Re : Account # XXXX I have called asked you people over 15 times to change my DUE DATE and you still have not done it propery! YOu keep sending me emails telling me I am past due. What till it take for your incompetence to be corrected? 
I really regret ever getting into bed with you. And I can not wait to pay you off in full, so I do n't ever have to deal with you again. It was a mistake and I will NEVER do business with Conns! 
CHANGE MY DUE DATE TO THE XXXX of each month immediately!
I had an available credit amount of {$30.00} on my last statement, made a total of {$480.00} in payments and had {$72.00} posted charges and {$220.00} of pending charges. I should have {$220.00} in available credit ( I have a {$400.00} credit limit on this card ) but was only given {$170.00} credit. After speaking with several people at Chase via phone who agreed with me, I was transferred to XXXX, who works in XXXX Florida ( her supervisor is XXXX XXXX ) who argued for over a half hour that my available credit should not be {$220.00}. We went over the calculations and she refused to simply add up the amounts. She refused to give me access to my credit saying that I was wrong. I am now unable to pay a bill because Chase is refusing to provide me with the difference of {$170.00} and {$220.00} ( XXXX ). Here is the calculation done two different ways : {$30.00} available credit XXXX purchases + {$300.00} payment - {$52.00} purchases + {$180.00} payment - {$220.00} pending charges = {$220.00} available credit. OR ... .. XXXX statement balance +XXXX purchases posted -XXXX payment posted + {$52.00} purchases posted - {$180.00} payment posted + {$220.00} pending purchase charges = {$170.00} balance of charges $ $ {$400.00} credit limit - {$170.00} balance = {$220.00} available credit. In speaking with several customer service and payment center representatives since then ( XXXX AND his supervisor XXXX in XXXX XXXX to name a couple ), they all refused to provide me with the proper credit. XXXX even told me that {$170.00} should be my available credit ... which is WRONG! That instead should be my balance charged on my card after the pending charges come through. Chase holds onto your money improperly- gaining daily interest on money you pay over your credit limit but not even allowing your access to it.
I have been back and forth with Equifax since XX/XX/2010 about some of their credit reporting choices and they have re-inserted data on my credit report the last week, failed to give me a full credit report after my last investigation and claimed by report is not showing files with account numbers I listed, even though according to XXXX, they are listed.

For their most recent failure, they have added XXXX XXXX files to my report, in which all of them were deleted from my report in XX/XX/2010 after the investigation came back as not mine.  Since that time, there has been at least 3-4 times in which they added these files back on, then deleted them after I reminded them they cannot re-add a file without giving me prior notification, as per the law, and they just allow it to happen.  My only recourse has been to report them, contact attorneys offices and BEG for investigations to be completed correctly.

I want these files finally deleted and left off my record, as they have already been multiple times the last 5 years.
To whom it concerns, Fay Servicing continues to send the paperwork to wrong law firm over and over again. They have now sent a XXXX to my previous firm who failed to forward the document. I demand, let me say that again, DEMAND all of the paperwork and supporting documentation for the XXXX. I want ALL of the accounting records and proof that it should be issued. Because you took my property with faulty paperwork and sold it. The debt was paid in full now. I ca n't believe how many times I have filed complaints against this company and they break the law and ask forgiveness. And they get away with it. So, I demand a copy of the XXXX and all accounting records for proof. Please send it to the correct address this time.
After the recent XXXX breach, it was strongly recommended that I participate in their 1 year credit protection through a 3rd party. In addition, I wanted to freeze information at other agencies : TransUnion, XXXX, etc. I was rudely surprised to find out that I would have to pay a fee to have this done. 
I did not solicit any interactions with these companies ; I did not ask them to track all of my purchases, credit history, etc. Why do I have to pay to have them stop monitoring me? 
I do not want or need any of their services, yet I am supposed to pay to NOT do business with them? Extortion?
XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX this amt was deducted from my chase bank and chase bank is not solving it and holding my acct balance and will not release it
I have disputed this outdated information several times. They remove it and then wait and add it back with a later date. The loans are from XX/XX/2003. IRS has garnished taxes to pay balances yet they are still being reported.
Thank you for your ear, In XX/XX/XXXX My family and I relocated from XXXX to XXXX, I contacted my cable provider and requested a final bill which was provided, I paid the bill immediately, ( copy attached ) A couple of months later a bill came for equipment XXXX XXXX claimed I had. I never received any equipment from XXXX as all I had provided to me was basic cable, I never accept leased equipment, and immediately after receiving the bill I sent a letter registered letting them know this was not a valid bill, in addition I requested proof I took possession of any equipment, ( copies attached ) This was XX/XX/XXXX. Not until yesterday XX/XX/XXXX did I hear back from them claiming I owe them for equipment, almost two years from my letter.
I have been denied for fraudulent charges on my Bank of America credit card. 
My wife and I share an account and have XXXX credit cards. During the month of XXXX, while we were both in XXXX, our home state, someone purchase XXXX things in XXXX. The charges are for {$2400.00} and {$240.00}. 
When I contacted Bank of America initially they refunded me and then in XXXX the charges were reversed and validated on my account. Upon speaking to them, I offered proof that my wife and I were in fact in XXXX and working during the whole month of XXXX. 
The only response I received was that it was possible for companies to charge for purchased goods weeks later.
On XX/XX/2018, a company has sent me XXXX Ethereum XXXX XXXX token to my ethereum wallet on coinbase. There were no warnings at all that this transaction could not be undertaken on the account page of the website and the only little caveat was on a support page where by definition people only go if they need support. 

Despite advertising the wallet as owned by user, Coinbase doesn't now allow me to access or move the funds which have peaked at a value of $ XXXX since then. 

Appreciating that coinbase isn't willing to give users private keys necessary to move funds I have therefore asked on the same date XX/XX/2018 to just return the ether with tokens back to the sender. 

After multiple calls to the call centre where support team confirmed the issue would be resolved by a special team, on the XX/XX/XXXX ( over two months later ) coinbase replied saying that it was technically doable but complex so money would not be returned which doesn't seem a very professional answer from a regulated company. 

I have called the support team and I was now told that there is a disclaimer on the account page to warn people against using it for tokens. While I appreciate coinbase is trying to fix this issue going forward this wasn't displayed at the time of transaction ( I have a screenshot available if required ). 
Interestingly I was unable to escalate the complaint internally and I was refused any advice on how to complain further with external regulator. 

As coinbase today still stores my asset whitin its wallets, not returning this to me it's a fraudlent activity classified as wrongfully retained credit.
I have sent a letter out more than once to Midland Funding via certified mail to not only this company but also to the Credit Bureaus verifying this debt. However, both parties listed as valid but have yet to respond with verification to say how did they come up with the verification process to even prove that I in fact owe this debt. This company which I have never had a credit card with not have I received goods from reported against my SSN in the amount of {$600.00} to XXXX, XXXX, and XXXX Credit reporting agencies. Considering, this business have not provided adequate proof I am not obligated to pay this debt.
I divorced my spouse over two years ago and want my name removed from the mortgage at XXXX   and XXXX XXXX credit agencies where I am listed as owning the mortgage. I filed a quit claim deed for the mortgage and an assumption agreement was filed by my wife as well. My dissolution of marriage judgement, marital settlement agreement, quit claim deed, and assumption agreement of my ex-spouse that M & T bank is a party to, all of which clearly show that my wife has assumed the mortgage were sent to XXXX  andXXXX XXXX. Both have refused to remove the mortgage from my credit report. This has denied me the ability to purchase another home.
I contacted Suntrust Bank for the payoff amount for my mortgage. I was told it would cost {$15.00} to fax the information. It could be given verbally or mailed for free. 

I was then told I had to send guaranteed funds to pay off the loan, not via online payment or a personal check. I have made the monthly payment online and they were happy to take it. It seems unfair to pay for a wire or casher 's check to be required to pay off the loan. They also do not credit the escrow funds to the payoff amount, you have to wait for them to mail it later. 

It seems they are making it difficult to pay off the loan early.
I have tried to fix a loan that I have with Bank of America for the last year, in that process they at no time did they give me the opportunity to refinance or to work with me on converting a balloon mortgage to a conventional loan until it was to full term and then they would not let me make payments due to the term was due in full. After the fact that it was late they would not let me refinance with them due to it being one payment late. So they have pushed me around for the last year to get the XXXX form sent in. I have sent 8 forms in and every time it has been something else was not filled out right or it was due to the fax being as they say unreadable. When I have faxed it from their branch and also sent in myself. I have had nothing but problems with them and they have successfully ruined my credit in the process. I am having to put the house in my wife 's name so we can refinance it and so we can get a loan from another bank because I would n't trust or finance another thing from Bank of America. At no time can you go to a branch and have someone help you because it has to go to Colorado for evaluation and they do not call you back in a timely manner, so you have make a scheduled appointment with them to get a answer. I have sent 8 forms in and no success but I can call the IRS and with in one hour I had the transcript that they needed and they will not accept it because they did n't get it from the IRS. I want to file a complaint.
I informed  Quality Lenders  in writing that my checking account was negative and not attempt to withdraw money because it would send my account further into the negative and bounce the EFT attempt, on  XXXX   XXXX   Quality Lenders  sent through two {$80.00} checks, when my normal payment was {$80.00}, which of course both bounced and gave me returned check fees and sent my account even further into the negative.
A man called looking for my Father, regarding my father 's personal small business. I asked him to clarify and he cursed and hung up on me. 

I called him back and another person answered the phone, she said the company that contacted me was " ARS national services ''. This information took asking for at least 5 minutes what the company was. 

What alarms me is that both persons who answered the phone insisted that the first call was for my Mother, not my father and that it was to discuss her small business. Both of which are lies, my parents do not own small businesses, and in fact my father works within the federal government. This supposed debt collection company is calling the children of alleged debtors under the false pretense of small business. 

I was ultimately transferred to a supervisor who tried to deflect and ultimately used subversive tactics to end the line of inquiry to the original phone call. 

They have also called me on multiple concurrent days at odd hours from several different phone numbers and are generally obscene and hostile.
On XXXX/XXXX/16, Santander Bank left a message on my voice mail alerting me that fraudulent activity had occurred within my online banking checking acct. I called the number they told me to call, however, they told me they could n't give me any info & that I 'd need to go into the branch office. On XXXX/XXXX/16, I went into the XXXX XXXX XXXX XXXX, MA branch office. I was there 2 1/2 hours while XXXX XXXX, the bank rep, called the fraud unit. I was informed {$990.00} was externally transferred out of my online checking acct. Finally, someone at the tel. fraud unit line took my claim ( while still at branch ), telling me to use reference # XXXX to inquire about status of the claim. I was also informed by the person taking the claim that I 'd receive a 'provisional credit ' of {$990.00} into my acct. within XXXX10 business days. Also, they 'd send me an affidavit letter & I was to return it asap. To this date, I have n't received the letter nor the provisional credit. I have gone into the branch on XXXX separate occasions since & have called their fraud unit XXXX6 times & I 'm told by everyone that my acct is BLOCKED & no one can help me. Here 's the situation. I 'm XXXX yrs old & I need to purchase medicine as well as pay some bills. The {$990.00} that was fraudulently removed was the bulk of my Social Security check ( {$1000.00} ). Due to the massive incompetence by Santander, as well as some rude customer service reps, I 'm now in a financial DIRE NEED SITUATION. Today, ( XXXX/XXXX/16 ), I was told 'maybe ' I 'd receive the money in XXXX90 calendar days. When told by me this was unacceptable, they told me they could do nothing further. I 'm being treated like a criminal when I 'm the VICTIM of fraudulent activety which occurred within THEIR online banking system. Obviously, their online banking security measures are failing but that 's not my fault.
I need for the following address to be removed from my credit report XXXX, SC, XXXX. I have filed an identity theft complaint with the US Postal Inspection Service regarding fraud being committed at that address. It is a violation of the FCRA for you to refuse to remove an address from my personal credit report that I state that is incorrect or that has been used to commit fraud. 

I need for this address to be removed ASAP or else I will progress this case further past the CFPB. I have attached the identity theft report and my drivers license. This is a discrimination and is a violation of my constitutional and civil rights.
My mortgage company is trying to foreclose on my mortgage because they do not believe that I live in the property. I have faxed and emailed the documentation which the mortgage company asked me for ( initially ) so that I could be granted a loan modification. However, the mortgage company still does not believe that I live in the property. I appreciate your help.
Recommendation : Governance and Loss Mitigation Review. Confidential Settlement Response : XXXX XXXX XX/XX/XXXX Letter Basically, I find XXXX XXXX offensive. We all understand that mortgage are securitized and the ownership of the mortgage can been transferred. I have decided to attach my resume in order that I am not insulted again. You will find it hard press to find someone more knowledgeable. I am requesting to communicate to some one more senior to XXXX XXXX in order to resolve this matter. 

XXXX XXXX implies that SPS is s " blind agent '' and simply collects for the mortgage payments for owners. It sounds like statements at the XXXX XXXX. 

First I would like for XXXX XXXX to provide support that she is in contact with the mortgage owner. 

I would like for her to explain why SPS did not direct my concerns about the property over payments to the mortgage owner. Please provide the owner of my mortgages contact information. 

A professional would have questioned why the XXXX XXXX XXXX property was being taxed on for XXXX in XX/XX/XXXX when it was purchased for {>= $1,000,000} in XX/XX/XXXX. 
Mortgage foreclosures in XX/XX/XXXX were down XXXX % from the Great Recession of XX/XX/XXXX. 
Home prices have not corrected to the peak of XX/XX/XXXX. However, SPS has increased escrow taxes each year. I am being foreclosed on due to excess taxes. 

XX/XX/XXXX I received a letter from SPS in the middle of this exchange on property taxes. The letter increases the tax escrow for XX/XX/XXXX from approximately {$25000.00} and year to {$30000.00} for XX/XX/XXXX. Why? 

This increase was executed despite the current grievance and history of questions about the excess escrow. 

SPS is requested to provide the State of Georgia Attorney General and CFPB The rationale for increasing the tax escrow when SPS appraisal consultants have reduced the property valuation. 

There is a strong implication that this problem may warrant Class Action Litigation.
Prestige Financial Services has been reporting inaccurate information repeatedly on all three of my credit reports, I have disputed this information monthly since XX/XX/XXXX and this information is still being reported incorrectly. I called to have the vehicle surrendered in XX/XX/XXXX the car was picked up in XX/XX/XXXXI did not make any payments on this car after XX/XX/XXXX The car was sold at auction for {$6800.00} and the deficiency balance is showing as the balance before the sale which is over {$14000.00}. This is incorrect and I have disputed this amount to be corrected for 4 years with no resolution. I have documents that show all the payments I remitted to them and what should be the amount reported. They have reported not only the incorrect amount but they have reported the car as repossession and this should be reported as voluntary Surrender.
In XXXX, My ex wife applied for a title loan through Personal Finance Company on her car and in doing so the company wanted me to cosign the loan for her. The original amount of the loan was for {$1000.00} she then got into a car accident and stopped making payments. In XXXX I received a wage garnishment order for {$20000.00} from this company and received no prior communications about the debt because I was not living with the original account holder since XXXX, on the garnishment order that I received from my employer shows a mailing address of a XXXX XXXX that I never used. Being a cosigner I know I am also responsible for the note but do not agree with paying accumulated interest of the loan, I have been in contact with the finance company and also with the collection company handling the account trying to come to a resolution. I have paid {$4000.00} so far on this account, however they are not attempting collections on the original account holder and trying to collect back interest of 29.22 %. I believe that this is a very unfair practice from this company I believe that I have fulfilled my obligation as the cosigner on the note paying the original loan amount plus other costs for the loan going into default. All the payments that have been made, came from me and not the original account holder. I believe that forcing me as a cosigner to pay accumulated interest since the loan has been in default is just wrong. I was informed by the collection agent handling the account that I have paid more then the original submission of the account. How is it legal for a company to keep accruing interest on {$1000.00} loan for many years that the account has been in default?
XX/XX/XXXX Complaint Request Re : KLS Account Number XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Consumer Financial Protection Bureau please investigate XXXX. XXXX XXXX XXXX, IA XXXX-XXXX Complaint : Not my account nor purchase. There are thousands of XXXX XXXX cause that is all KLS produced. My name.

Who is the company : KLS : I do not know what type of company this is What is my issue : This Company has put a medical bill well it says medical in my credit report that should not be there. 
No name these people are not putting direct names I have not heard anything This company does not 100 % have the right to put this in my report {$120.00} They said this account was open in XX/XX/XXXX I was not in NC from which the address of this creditor came from I was in NY. Produce to me a medical record from such date you can not because there is none. 

Company Complaint : KLS Action : Remove from credit report. It is a very small but I do not want it in my report and they need to validate this with documents according to FCRA section 609 and 611 with credit bureaus I have asked that this company to remove this account from my credit report several times. 

I have asked who the original Creditor is I have no answer no response KLS have not sent me any invoice nor where this account was received and why. A type summary is not acceptable. 

KLS have not sent me any signed receipt or verification with this account. Or even what it is.

I ask them to provide me a true statement from the original creditor they have not.

Federal Trade Commissions this has been going on for some time KLS continue to violate my rights according to section 611, 604 and 609.

The credit bureaus and KLS should be fined {$1000.00} for not removing this account this ongoing with them.

FAIR CREDIT REPORTING ACT SECTION 609 This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation FCRA section 611 : Investigation results. Please forward to me whom you spoke to, the number you called, the title of the person you spoke to also the address and any providing documentation.

KLS which of whom is reporting in my credit report has not provided a validation to the credit bureaus. This company does not have any documents with any of my information listed or what dates if it is medical was I supposedly in the hospital what is it. Please remove from my report. I dont have an issue with paying a small balance of XXXX, although why this is in my report this is not 100 percent accurate remove from my report, I will request that you be fined {$1000.00} for all the unverified accounts you continue to leave in my record. You do not have the information or documents. These errors have not been verified remove your account. 




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