WillisBack/dataset-financial-user-claim huggingface dataset:
I HAVE A LOAN WITH CARFINANCE.COM ( LOAN # XXXX ) AND I HAVE RECEVED NUMEROUS CALLS EVENTOUGH I HAVE TOLD THEM A DATE I WOULD PAY. I AM CURRENTLY A MONTH BEHIND BECAUSE OF FINANCIAL CIRCUMSTANCE, BUT I HAVE ALWAYS MADE MY PAYMENTS WHEN I SAY I WILL VIA XXXX. THEY SAY THATS NOT A SECURED ARRANGEMENT BUT THAT THEY WOULD NOTATE IT IN THE SYAYTEM ON WHEN I CAN PAY. WELL, I HAVE TOLD THEM SNCE XXXX XXXX WHEN I MADE MY LAST PAYMENT THAT I WOULD NOT BE ABLE TO PAY UNTIL XXXX XXXX MY NEXT AVAIL PAYDAY TO MAKE THE NEXT PMT. WELL I PAID ON FRIDAY XXXX A XXXX PMT {$310.00} AND CALL IN THE REF # AND I ALSO LET THEM KNOW MY NEXT ARRANGEMENT XXXX/XXXX/16 {$310.00}. I END UP GETTING A CALL ON MONDAY XXXX AT XXXX AND THEN XXXX CALLS WITHIN XXXXHRS APART TISMORNING XXXX/XXXX/16 AT XXXX and XXXX!!!!! THIS IS A VIOLATION OF Fair Debt Collection Practices Act ( FDCPA ), The Act prohibits certain types of " abusive and deceptive '' conduct when attempting to collect debts, including the following : 1 ) Communicating with consumer after request for validation has been made : communicating with the consumer or the pursuing collection efforts by the debt collector after receipt of a consumer 's written request for verification of a debt made within the 30 day validation period ( or for the name and address of the original creditor on a debt ) and before the debt collector mails the consumer the requested verification or original creditor 's name and address. 2 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously : with intent to abuse or harass any person at the called number. NUMEROUS TIMES HAVE A PAID WHEN I SAY I AM GOING TO PAY. YES, I AM CURRENTLY BEHIND A MONTH ON THE PAYMENT BUT I HAVE GIVEN VERIFIABLE ARRANGEMENTS ON WHEN I WILL PAY. I WO N'T DO CHECK BY PHONE BUT I WILL DO XXXX PMTS TO AVOID RETURN FEES WITH MY BANK. LAST MONTH THE SAME THING HAPPENED WHWER EI WOULD GET CALLS ALMOST EVERYDAY EVEN AFTER I TOLD THEM WHEN I WOULD PAY. IM NOT A BAD PAYING CUSTOMER JUST A SLOW PAYING CUSTOMER BUT I AM ALWAYS TRUE TO MY WORD ON WHEN I WILL PAY. I CONSIDER THESE RESULTS GIVEN UP TOP HARRASSMENT AND WANT IT TO STOP!!!!!!!!!!!!!!!!!!!!!!!!!!
Company - LVNV Funding LLC Date - XX/XX/2019 Amount - {$150.00} I have made several attempts to get in touch with LVNV Funding LLC but they are unreachable. I have exhausted all my efforts to get in touch with the company. My account was paid, however, it remains on my credit reports.
I took out an FHA loan on my property when I bought it over 6 years ago. At the time I put down over 20 % of the purchase price. Since my loan was FHA I still needed mortgage insurance. I refinanced 1 year later, and was told that since I had well over 20 % of the value of my property paid I had to wait 5 years and then I could get rid of my mortgage insurance. As of XXXX XXXX, 2015 it will be 5 years. I have been trying to initiate the process of getting rid of my PMI, but the company ( Ocwen ) has not been responding or telling me what to do. They are acting as if they are drawing out the process so that I have to continue paying PMI even though I do not have to. I have already paid my XXXX payment, which means my next statement should not have PMI on it. However, I have sent emails and gotten no response, and I have talked to customer service reps who say there is nothing they can do for me. I believe that Ocwen is purposely attempting to not help me in order to continue collecting money for PMI which I should not have to pay any longer.
Upon news reports of the Equifax data security breach, I used the available resources from Equifax to determine if my personal information was affected. Per the Equifax resources, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Since Equifax was breached at times between XX/XX/XXXX and XX/XX/XXXX and did not notify me until XX/XX/XXXX, I believe Equifax to have violated my rights as a credit consumer by not notifying me in a timely manner. They left me exposed to potential fraud against my accounts. 

In addition to failing in their responsibility to notify me in a timely manner, their offer of a year of free credit monitoring - which will auto-renew and begin charging me unless I automatically cancel, is an insult on top of the potential injury.
XXXX is reporting to equifax that I still owe their company {$5000.00} on a student loan that was consolidated and transferred to XXXX XXXX. I have tried to fix this error with XXXX  numerious of times. This is a violation of the FCRA federal law. The balance owed should be reporting as a zero balance.
My credit report dispute request was submitted to XXXX  VIA Credit Karma on XX/XX/2018. 
XXXX file number : XXXX. 
I got an update from Credit Karma to inform me the dispute request is currently being processed by XXXX. They expect to complete their investigation within 30 days. 
As of XX/XX/2018, I have not received an update from neither XXXX  or Credit Karma. 
According to the FCRA, If CRAs dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. 
FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
XXXX XXXX XXXX reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XX/XX/XXXX, so my XX/XX/XXXX payment should of processed through my XXXX XXXX account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CORRECT CALL-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees. We have provided proof that our average balance was and still is $ XXXX  so why would we not want to pay and use a closed account that would generate fees?
On my Equifax Credit Report they have displaying a XXXX CREDIT CARD late payments. I have had this credit card since XXXX 2010. I contacted XXXX CREDIT CARD and they confirmed I do n't have any late payments and that my account is in good standings.
Four years ago, I asked my Bank ( JP Morgan Chase ) about getting paid interest on my checking account. They asked me how much I 'd be able to keep in the account. I told the manager, {$10000.00}, maybe more. She said no problem. They 've been paying interest on the account, but it 's a paltry 0.1 %. This month, I got XXXX XXXX interest on XXXX XXXX, 2017 -- and a charge for {$25.00} because my balance was below {$15000.00} ( {$14.00}, XXXX ). I complained, and they reversed the charge, but it still annoys me. The fee is so far out of line as to be usurious, especially considering the niggardly amount of interest they 've been paying me. One fee would virtually wipe out my interest for more than a year. I am not a happy customer.
I was issued a company cell phone for work. This phone has been receiving debt collection calls on the avg of XXXX per day. I have explained to the callers that this is a business phone and we have no relationship to the person that they are trying to reach. When I answer the phone as the company representative, they hang up.
Hello, What is happening is that I have pulled a credit report with Equifax and I can also see my XXXX sister 's financial information including bank account details, credit reports - everything. The company filed a complaint but have said that the info can only be taken off their credit system. I 'm worried that when I apply for credit they are seeing all of my sister 's information too on every system, can you help?
I sent a debt verification letter saying that I disputed the debt. NO verification was sent at all. The debt collection attorneys proceeded to sue me anyway -- - without giving me any debt verification or notice according to federal laws. 
Also, I have attempted multiple times to verify the debt in the past five years XXXX with my son 's help ) and NO verification or validation has ever been sent through the mail. 
I only wanted to clarify the information because they have my last name consistently spelled wrong. I heard nothing. 
Now the debt is almost time barred and they are suing without providing verification. I am XXXX years old XXXX and I can not read or write. Thankfully my son was able to send the validation letters and write this on my behalf. Someone please help. Thank you
On XX/XX/18 : {$1800.00} went missing from my NetSpend debit card account. The time of this unauthorized transaction was XXXX cst. Found out from NetSpend that this was a XXXX XXXX transaction. I told NetSpend that I have nothing to do with XXXX XXXX and that I don't even have a XXXX XXXX account. I even got XXXX XXXX on the line with NetSpend and myself on XX/XX/18, and the XXXX XXXX employee even told NetSpend that I don't have an account with XXXX XXXX. NetSpend said they can't stop this transaction from going through they can't block it even though I told them that this was not authorized. They said that after 15 days by XX/XX/XXXX if this transaction is still in pending status they will release the {$1800.00} back into my account. They also said I can't file a dispute until the transaction goes through yet meanwhile even in pending status I don't have access to my own money that was taken. My rent is due Saturday XX/XX/XXXX which I can't pay in fact I can't do anything can't by food. Please help me. I have no idea exactly how this could happen. NetSpend shut down the debit card and sending me a new card. I still don't have my funds and this has me sick to my stomach and I can't sleep good. If you need more information please let me know. Thank you.
I had an account with Wells Fargo in XXXX, CA ( on XXXX XXXX ) a year or two ago and closed it after noticing on my statements that the bank was charging me {$100.00} every time the Department of XXXX XXXX XXXX asked them to fill out a form regarding my account. The bank received XXXX of these requests in a XXXX month period-my statement was reading that I was overdrawn -- by a lot. I do n't feel it should be an expense of mine-I was not informed, anywhere in the paperwork they give you when opening a new account, that I would acquire this fee upon any paperwork needing to be completed regarding me or my account. I recently tried to open a bank account at the local bank in my area and was denied because of this situation. On the statement the bank handed me when denied, it reads that it was my fault : {$250.00} and reason for account closure is " Account Abuse ''. This is not right on so many levels. Please let me know how this can be rectified and both parties can move forward from here. Thank you for your time.
I had sent my dispute by certified mail to this company to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, this company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. 

This company dubiously claim to have somehow verified these items. Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.XXXX XXXX XXXX : XXXX XXXX - I told you Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please!

3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! 

Please remove this immediately! This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report.
My husband and I are cosigners for my son for his first student loan taken out in 1999. He changes jobs every 3-4 years and gets behind on the payments. My husband and I are on XXXX XXXX XXXX. XXXX XXXX/Navient has been servicing this loan since it went into repayment. When he gets behind, like he is at this time, 2 months, Navient calls us incessantly. We receive calls 6-8 times a day, 7 days a week. Once a day, they might leave a voicemail. It instructs us to call a XXXX number to talk to an agent. Whenever we actually answer the phone, we get the same recording, no human. After a week or so, they change/spoof another number that shows up on our caller id. It 's my understanding that they are not to call just to harrass. These calls are being done to harrass because 1. there is no human to talk to as required, if we answer the phone. We must call them to another number to talk to a human. 2. Since their computer system recognizes the voicemail system and leaves a message, then the first call of the day should leave the message and no other calls should be made. It is plain and simple that the computer is programmed to call repeatedly simply to harrass since you ca n't discuss the loan issue with anyone unless you call them. 3. the calls are also obviously programmed to harrass as we will get a call and as soon as the voicemail answers, their computer hangs up and re-dials immediately. They often register as being made within the same minute. I can print out a copy of the phone logs for the past month from my XXXX XXXX account to substantiate this harrassment claim.
On XXXX XXXX 2015 I applied for a mortgage with PNC bank. At that time I explained to the mortgage broker XXXX XXXX that I was in a chapter XXXX bankruptcy more then 2 years ago. He explained under the rules to secure a VA home loan the bankruptcy timeline is 12 months for chapter XXXX and 24 months for chapter XXXX. This information is Identical to what Ive been told by other banks as well. Secondly I also explained that I 've been offered other loans at a interest rate of about XXXX and was looking for a better rate. He said with PNC I would be looking at rate of bout XXXX and PNC would cover the closing cost which would allow me to secure loan without any closing cost or down payments. Based on this information I said go ahead and run my credit. After he ran my credit he sent a pre-qualification letter at XXXX and a interest of XXXX. I sent in all the requested personal and private documents as requested. I then proceeded to shop for a home and eventually signed a contract. About a week later I contacted XXXX about the loan status and he explained the loan was denied. My point problem is that XXXX mis-represented his ability to secure a loan and PNC bank is advertising its ability to secure VA home loans and not following the guidelines when it come to past bankruptcy, debt to income ratio and credit score. Secondly the underwriter is unaware that non taxable income should be listed at 125 % when it come to DTI ratio for mortgage loans and in my case a XXXX loan would be ok. Finally PNC penalize me for shopping for a car loan and mortgage loans and as I understand the rules mortgage loans and car loans completed withing 30 days should be treated as XXXX inquiry.
On or about  XXXX   XXXX ,   XXXX  , I noticed that a LVNV Funding LLC company had reported a derogatory mark on my  XXXX  and  XXXX  credit file. This is an unknown entity and I am not familiar with this company, nor have I done business with this agency in the past, however, this agency is reporting adverse information on my credit file, which is causing harm to my creditworthiness.     This agency is associated with  XXXX   XXXX    XXXX    XXXX  as my credit file reference  XXXX   XXXX  as an original creditor in some form, however, I have no relationship with either organization. This company has never sent any information to validate this debt, or show evidence that I have any contracts, or outstanding debts with them whatsoever.
My car was stolen and some one stole my information to obtain credit. I received bills that did not belong to me.I pulled my credit report and there are accounts that are not mines.
I became delinquent on my credit card bill k in XXXX. In XXXX I made arrangements with to settle the account for less than what was owed. The agreed that if I paid one lump sum the account would be marked as paid in full. In XXXX XXXX I received an letter from XXXX XXXX XXXX, XXXX collecting on the debt. I sent a dispute letter and they replied with copies of my monthly statements from XXXX to XXXX. I received a confirmation letter regarding the status of my account but have disposed of it because so much time has passed. I have also switched financial institutions and do not have access to statements showing the payment. I am trying to receive a copy from the financial institute. The disputed balance is XXXX due XXXX.
I do n't recall getting any collection notice from Sentry. I am unaware what this bill is for and where it originated.
National Enterprises System has been calling me multiple times a day and even called a distant relative in another state looking for me. I want nothing to do with them and my student loan debt. They cal from different phone numbers and sometimes unknown numbers, but all the calls are the same company.
I am a Bank of America Cardholder ( Cash Reward ). On XX/XX/XXXX my husband purchased a XXXX XXXX from XXXX for the amount of {$1100.00} on my very old CC that left home. ( out of my knowledge that old card still working ). I had my new card with me in XXXX. When i saw the transaction online I called Bank of America right away to cancel the card. BA cancelled the delivery. BA credited it back on my account but on XX/XX/XXXX, they charged it back to my credit card ( {$1100.00} ). 
I been trying to resolve the issue many times for 3 years but all they did was to reopen the case and denied over and over. 
I paid the charge of XXXX for the XXXX XXXX  that was cancelled and never delivered. I been calling BA and XXXX back and forth but they've been pointing fingers to each other. 
On XX/XX/XXXX between XXXX-XXXX I called BA fraud department Delaware, I spoke with XXXX, she said the money is with them. and they will give it back to XXXX and will take 45 business days. XXXX said the dispute has been resolved and please refer to the issuing bank, the money was returned to Bank of America. 
On XX/XX/XXXX at XXXX XXXX i spoke with XXXX from the Fraud Department of Bank of America Delaware she said the money still with them and never left because the other representative did a wrong process. 
I called again on, XX/XX/XXXX, XX/XX/XXXX, followed XX/XX/XXXX. It I tried again many time on XXXX and XXXX but still nothing happened. 

Thank you.
I submitted all the proper paperwork to XXXX they investigated and concluded that it was reported wrong. They removed the bankruptcies and then put them back on. I have a copy of when they deleted them.
I have been emailing my support specialist and  never emails me back. He does n't answer his phone either. Again XXXX could you please email me back? I also need a copy of PSA What is going on with my file? I have been sending documents and no one calls me. I get a letter saying documents received and my support specialist will contact me. Do I need to tell my lawyer to move forward with the lawsuit? I have been trying speak with you today and I can never seem to get hold of you I sent an email as you see below and you never ever reply to my emails. Why should I have to call and schedule an appointment that takes 2 days to speak with you and nobody seems they can help me because they say I have to speak with you. If you just reply to my emails that I send it should only take a few minutes to answer my questions. Instead of me calling and having to wait 2 to 3 days.
BOA had inaccurately mis-posted payments on my loan that caused my mortgage loan to fall deliquent and inaccurate reporting to the credit bureaus. Now I am getting garnishment notices from the US Department of HUD for a partial claim that BOA failed to payoff when the home was sold. I 'm at a dead end and do not know where to go from here. Any intervention on your offices behalf would greatly be appreciated. The whole experience with BOA has been a nightmare up to this point.
Equifax did not follow best practices for cyber security, and made my private information public. Equifax then tried to profit off of their mess up by adding different products they sell on their page. Despicable practice.
XXXX 's acct # XXXX date:XX/XX/XXXX XXXX XXXX  acct # XXXX date:XX/XX/XXXX XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX I have disputed these acct 's to the credit bureau 's informing them again & again that I have not ever had theses accounts.
I was reviewing my credit report and notice an account that I do not recognize. I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
My mortgage company ( Chase Home Finance ) decided to do a XXXX balance/ Forgive the loan on my mortgage. They never contacted me to say or ask me about it, they just did it on their own. They started rejecting my payments all of a sudden. It took 3 months of me calling to find out what was going on. They used a foreclosure method for the process, never letting me know that it was going to hurt my credit report. They caused my residential home insurance to go up due to the negative marks on my credit report. Strike one! Then since they rejected 6 months of payments, now that has a negative mark on my credit, Strike 2! then they did a charge off on my credit which again is a negative mark on my credit. Strike 3! How is it that this company can decide that the cost of maintaining my mortgage is more that what the value of the loan, and then decide to do a XXXX balance or forgive the loan and I have to pay for it? This seems illegal!!