WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB, I am writing this letter to you to file a formal complaint against an entities named ( The Receivable Management Service Corporation ). Sometime in XX/XX/XXXX, I purchased a nonowner liability insurance from XXXX XXXX XXXX company. During my initial first six month contract it was {$580.00} total premium. I did this because I do n't have an automobile, but often rent a car ; the reason was to avoid those rented car exorbitant insurance rate. I also renewed my policy several times until XX/XX/XXXX; I decided to abruptly end it when they continue to hike the price without any reason. I have never filed any claim against my policy. I still remembered when I had a flat tire and called XXXX, but no one ever shows up. Also in XX/XX/XXXX, someone hit my rented car while was parked at XXXX parking lot. I called XXXX, but nothing was done. So I have to do the repair myself, and there was no reimbursement at all. I have three months left on my current policy at the time. A renewal notice was sent to me with an increase in premium. It was then I was upset, and without warning, I instructed my bank to decline any further ETF from XXXX which they did. I have not rented any car under which XXXX policy was used. Unfortunately, I received several notices from XXXX that I owe {$230.00}. I have called them several times to stop calling me. Even after I warned them, they have sent my name to a collection agency. I have numerous occasion told them that I do n't owe them any money, but they insist that I owe them. Please help me here ; My insurance policy was a promise against a nonowner, not against real vehicle. That promise ended whenever I decided not to drive anymore or rented a car. I used XXXX and public transportation, so there is no need for such policy. Now my name have been forward to The Receivable Management Service Corporation a collection agency. Please assist me in this matter. Look forward to hearing from you. Thanks
I requested two checks from within my XXXX account associated with email XXXXXXXXXXXX. The request was made on the XX/XX/XXXX and it is now the XX/XX/XXXX and I have yet to receive them. There transaction IDs are XXXX and XXXX. PayPal has shown a message for each transaction ID as invalid which shocks me.
Hello, On XX/XX/XXXX, XXXX XXXX sent me a letter saying the following : We want to let you know about a processing error that we found during a review of your account, and we want to share actions we 've taken to address the issue. 

Credit reporting on your account We 've determined that a processing error resulted in an additional month being added to a delinquency that we reported on your account. This may have impacted reporting on your account for XX/XX/XXXX. 

This error is making it hard for me to refinance my mortgage and it has not been changed by XXXX XXXX according to the three major credit reporting agencies. 

When I called XXXX XXXX in XX/XX/XXXX, they were completely unhelpful, and they said the burden of proof was on me, even though I received a letter from them. I have all the payment information from my bank and the letter from XXXX XXXX as proof of their error, and I need this to be rectified ASAP. 

Thank you in advance for your assistance with this matter.
On  XXXX   XXXX ,   XXXX   I was doing refinancing of my Mortgage and my credit was ran and the loan  officer  discovered that I had just received a student loan and my response was that I do not have any student loan. Here is the info about the student loan :  XXXX   XXXX  Account :  XXXX   XXXX  on  XXXX   Amount  : {$1000.00}
On XX/XX/2018 between XXXX my wife received a cold call from a company by the name of First Direct Lending out of XXXX CA. The agent that reached out went by the name of XXXX XXXX NMLS # XXXX. This past summer we where looking into a refinancing on our home loan but never moved forward because the timming was not right. Fast forwarded to yesterday XX/XX/2018 when XXXX contacted my wife, which i believe to be a cold call from information we provided online months ago. He starting selling her on the idea of refinancing our home, being very pushy at that. She stated to him that she really needs to speek to me about it because she let 's me handel such matters. I was at work at the time when my phone alearted me that I had a hard credit inquiry. I called and spook to my wife who said that that XXXX   wanted to do a soft inquiry on my credit and it would not hurt anything. Now with that said he never did his do diligence by stopping the conversion with my wife and contacting me for my concent to pull my credit. Side note shame on my wife for giving out my personal information such as my SSN, income and date of birth to a stranger. With that said it was XXXX 's responsiblity to contact me for consent to pull my credit. He moved forward with pulling my credit without my knowledge. His actions are a pure violation of the FCRA. On top of that he emailed my wife sensitive information on my credit report that she was not privy to. Which i believe violated the privacy act. Any help on this matter would be greatly appreciated. Thank you, XXXX XXXX ( XXXX ) XXXX
I have repeatedly attempted to request that all of my federal loan groups be placed under the income based repayment plan. I have submitted my application for this XXXX separate times. Nelnet has communicated false information to me over the phone on over XXXX occasions causing the delay of this change taking place and causing me to have to use up to three months of hardship forbearance which I should not have had to use at all since I qualify for $ 0 monthly payments at this time due to my family 's very low income. Nelnet has claimed that they would put my loan on administrative forbearance twice since it was their error. These claims were untrue and I received calls from them weeks later stating that their representative was wrong and I do not qualify for administrative forbearance. When they call they ask for payment for the loans which become past due since they never placed the administrative forbearance on the loan that they promised to place on it. The representatives largely refuse to give me their last name, their employee ID number and anything in writing that states the promises that they make to me over the phone about the steps they are taking to get my loans on the right track. They have also coerced me into putting my loans on hardship forbearance, of which I only have a limited amount, and then denied me the opportunity to place those loans on an income based repayment plan because the loans were already on hardship forbearance. Then once the forbearance runs out they state that I owe on the loans, that I must reapply for the income based repayment plan and that if I ca n't pay the amount due then my only choice is to put them on hardship forbearance again. I 've been dealing with this issue for over 6 months and find that their staff is largely incompetent and untrustworthy. I hope to find a way to, in the future, have an agency that is reliable and trustworthy manage my loans even if that means a higher interest rate and consolidation. Nelnet 's practices are harmful to consumers and the overall feeling is like you are in the twilight zone. It seems that their departments do not know what each other are doing and that the staff that consumers can reach over the phone have had extremely unsatisfactory training in how to do their job. The root of the problem seems to be either poor training or willful deception of consumers that have little to no opportunity for recourse since documentation of the calls is not provided to the consumers and when I request documentation they state they are not allowed to provide anything to me. I feel trapped and miserable dealing with this company and disappointed that the Federal Government allows them to manage student loans. I did not choose NelNet and it seems extraordinarily unfair to have to bear the burden of their continuous mistakes and misleading information.
TD bank overdraft fees - set up new XXXX new accts, XXXX saving & XXXX checking with debit card. I was clear I only wanted too use money on my card, but in signing all paperwork I did sign off on overdraft protection. XXXX weekend I had XXXX debit withdrawals ( all under {$15.00} some only {$2.00} ) - they were not deducted from avail cash and all processed on Monday, using the highest amount XXXX ( not the dates of withdrawal ) thus creating {$170.00} in overdraft fees. I went to bank to XXXX ct branch and spoke to branch mgr & Vice President, XXXX fee was removed but would not remove {$140.00}, my mentor then went too see her and was told " it 's all his fault, not the banks, and perhaps we need to due a better job teaching life skills, and maybe he should n't be on his own yet " we 've exhausted all avenues with bank, with no help because they all refere too what this Vice President put into acct, our last conversation was with a customer service supervisor ( XXXX ) that told us nothing could 've changed because it 's all done by computer algorithms.
i already submit a complaint description, the complain ID are XXXX in this second complaint description, i try attached more image evidence to helping your investigations easier. 

" on XXXX 2017, I have received a check and a statement that was I been hired, and they want me to deposit the check. and the next morning, the check has been successfully deposited on my account, then my employer wants me withdrawn the money from the chase to purchase the equipment stuff when I spent about XXXX $ through the XXXX. I immediately check my bank account, then the bank said the check ca n't be verified. I ca n't believe the XXXX XXXX chase bank made this kind of mistakes. 

First, the bank shows my check has been deposited successfully, no any warning messages have been sent to my email or message. 

Second, after i sending out the money by XXXX, then the Chase deny the check that was successfully deposited. 

third. if Chase can carefully verified the fake check in the first place, then I wo n't believed them and sending the money 2 times first time : XXXX $ second time : XXXX $
Tradeline was disputed multiple times and each time came back as verified. Acct ... XXXX. I would like to know the name of the person Experian verified with each time, the dates, the address, and the phone number used. The number on the credit report is not even a working number. I have gone to the courthouse and this judgement is not a recorded judgement. The people at the courthouse have also informed me that they have never had a credit bureau call them and verify anything..on anyone. They also said that they do n't report to the bureaus so it 's not them reporting and verifying.
After reviewing my annual credit report I noticed a hard inquire that I never approved from XXXX on XX/XX/2017. I attempted to reach creditor and was unable to.
On  X/X/17    I called portfolio recovery associates @  XXXX  regarding a debt that they purchased from   XXXX    XXXX  and spoke with  XXXX   XXXX . I stated that in no form or fashion that I am admitting to the debt that is trying to be collected, I am simply trying to make a settlement payment and not payment arrangements because it is not my debt but being reported on my credit report. The operations manager sta ted (   XXXX   XXXX   ) t hat this debt is in a non-collection status because it was being disputed. He stated that in order for me to make a one time settlement payment I had to state that " I was not disputing this debt ''. I stated on a recorded line that " I am not admitting to this debt in no form or fashion and I am simply stating that I am willing to make a good faith payment for the account that is not mines to be removed ''. He said okay lets make this a " win win situation '' so that it can be taken care of. He stated that the settlement amount would be {$420.00} and came back on the line and said what portfolio recovery purchased the debt for and {$680.00} on a debt of {$790.00} that is not mine. Even though portfolio recovery associates purchased the debt from   XXXX     XXXX , when I contacted  XXXX   XXXX  they stated I do not ow the debt to them. I have nothing to do with this company purchase,  XXXX   XXXX  stated I do not owe the debt to them so I am disputing the debt with this company as debt that is not mines. This debt can not be validated with copies of statements there is NO CONTRACT/ AGREEMENT with portfolio recovery associates FOR THE AMOUNT BEING STATED THAT IS OWED.
I opened a Secured XXXX card that I loaded {$500.00} on in XXXX 2015. I was trying to boost my credit score so I used it and always paid on time. My score went up a little but not much so I closed it last month and got my money back. But now, since I closed the account, my credit score dropped 29 points! This is just wrong! For closing an account I get penalized! The whole credit reporting system is designed to keep us down. This is an attack on hard working citizens and this is not fair no matter how you look at it.
A student loan in my name was originated with XXXX XXXX, then was transferred to Navient without disclosing the terms of the loan. XXXX XXXX charged and changed my interest rates from fixed to variable interest with out my permission. Request accommodations made under the XXXX XXXX XXXX act. Spoke with representative XXXX XXXX and she did not give any options, she stated on record that the Navient Account is 549 days in default.
last week, i called Veripro Solutions to see if i could negotiate a reasonable amount to release the lien that was included in my bankruptcy XXXX in XXXX. My case worker, XXXX, gave me an offer but I said NO because the property isn't worth it and he really tried hard to think he was smart and was going to compel me to make a bad business decision. However, i said NO and i asked if he could just send me a letter of that offer even though I WAS NOT going to accept it .... i wanted it in writing because i may have to file a quiet title or a motion to make them release the liens. The mortgages were discharged and last payment on this house was in XXXX. The first mortgage company just released their lien for {$120000.00} to me because this area in NJ was hit very hard by the crisis. My house is worth MAYBE XXXX at the most. I left for an extended period of time and someone broke in and started a fire there last month. On top of ceilings falling down, and the roof and the new furnace that is needed. I was willing to pay maybe a grand but nope i would rather it go to tax sale or consider filing a motion. the house isn't worth it i was trying to take care of it because its a duplex and this fire was at XXXX in the morning and there is a family that is attached to that building so i wanted to see what i could do so this doesn't happen again. i was willing to settle with 2 mortgage companys if i knew i could sell it fast to get my money back. i am not stupid and i know when to walk away ... i suggest XXXX XXXX understand that if he calls me again i will get compensated. His call today/time has been recorded in my journal. 

So .... my complaint is that he called me trying to collect on the offer that i clearly told him I WAS NOT GOING TO ACCEPT but i just needed it in writing. 

I told him AGAIN TODAY this debt was discharged in a chapter XXXX. he continued to annoy me until i hung up on him ... he was obviously not done harassing me and thought it was fun! game over XXXX!
Statement of Facts : 1. Chase Freedom Card offered me " Access Checks '' to pay off another credit card. 
2. I called my other credit card company and asked if I could pay with this method, they said yes. 
3. I used the check accordingly. 
4. After a couple of weeks I called the other card company to check and see why the payment had n't posted. 
5. The other credit card company said that Chase had n't released the funds yet and asked me if I wanted them to run the check again if there was an error or something. 
6. I told the other company to wait until I could talk to Chase. 
7. I called Chase and told the representative what I was doing and he said that it was ok and to try again. 
8. I called the other credit card company back and told them to run it again if there was an error. 

Summary of the problems : Chase returned the check twice even though my available credit was greater than the check amount both times. This subjected me to XXXX {$27.00} check cancellation fees from the other credit card company. 

Chase needs to reimburse me XXXX fees totaling {$54.00} Even after explaining to Chase that I had called Chase to clarify the situation after the payment was delayed but BEFORE any return check charges were incurred, they were unwilling to help. The supervisor said that they can decline any payment for any reason they want at any time and that there was nothing that anyone could do about it because they reserve the right to review all payments. 

I asked if there was anything in their terms of service that excluded my method of payment. Her words as close as I can remember, " It does n't matter if our terms of service does n't say you ca n't. There is nothing in our terms of service that says we allow you to do it that way and that is more than enough. '' This is patently false and in fact the exact opposite of the purpose of terms of service. TOS in it 's simplest definition is not designed to be an exhaustive list of everything you CAN do. Instead, it is meant to outline how the respective parties ' activities are limited. Chase is the worlds largest bank. If Chase 's Terms of Service, policies and procedures are not explicitly exhaustive in their restrictions, its length and specificity shows that it is clearly intended to be. 

Their TOS does not limit me from this activity. Chase declining to release funds did cause me to incur an actionable loss and de facto violates their own policies, terms and conditions. This is further evidenced by the fact that upon my complaint they finally wired payment to the other credit card company electronically, without my signature, and with out a physical check. 

It may be a good idea for supervisors to refrain from offering legal opinions on behalf of Chase Bank. It is my opinion that this person should be coached to that end however they can do away with that suggestion if they wish. 

As this issue is over a month my only expectation is to be made whole on my {$54.00} loss without further delay.
Received " robo call '' stating to call " DITECH, A DEBIT COLLECTION AGENCY '' gave me a # to call ... called the # given, " non-working # '' Called # on my caller ID. Phone answered, I asked whom I was speaking w/ & the name of the company. Female on line said " I will not give you any information ... We are trying to contact XXXX or XXXX '', I stated that I was neither of those XXXX. told '' I would be removed from system '' have had similar calls in past stating that I would be removed, only not to be removed. Call I received call from was XXXX.
I've gone through the credit I've noticed a few collections that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my credit worthiness.
On XXXX/XXXX/XXXX I received a call from Quicken loans ( XXXX ) stating that they could help me look for the right mortgage. The rep asked for my social security number in order to confirm my identity, so I gave it to him. I asked if he planned to run my credit and he said 'yes ', I immediately told him that I did not consent or give him permission to do so. He then said that it was too late. According to him and his supervisor he said he would fix the inquiry, but they never did as it shows up in my credit report.
In your response to my previous complaint, you stated that based on your " thorough review '' forbearance was requested after the loans were reported which restored my account to a current status from the time it was applied. Which does not allow a retraction of adverse credit information that was accurate at the time of the reporting. 

I have a notice from XXXX, dated XX/XX/XXXX, that states you have received and processed my recent forbearance request. In addition to that, I also received the " Forbearance Loan Declaration '' which outlines the details below. 

XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX Approved : Delinquency Forbearance XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX Approved : Delinquency Forbearance XXXXXXXXXX/XX/XXXX Approved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX As you can see, the loans that are being reported as past due were in fact approved for retracted forbearance. By failing to update previously reported information, XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the 2 accounts showing late payments from XX/XX/XXXX- XX/XX/XXXX be updated and/or corrected and removed to accurately reflect my payment status.
i paid a company for an at home business that i had come to realize took my money and did not provide me with any service at all.when i realized i had been scammed i called my discover card for help.i told my card company i did give them my information so it is not a billing dispute but more for services were never rendered to me at all.of coarse the company sent in the contract as i knew they would.they should have to prove they did the work for me.discover seems like they looked at the contract and that was it.this company is taking advantage of the XXXX and getting away with it.i wanted discover to look into it.all they kept telling me is i was out of the guidelines for a dispute.i would still like discover to investigate it .i paid them XXXX on discover and more money on other cards.
On XX/XX/XXXX I spoke with a representative by the name of XXXX whom was a supervisor in the fraud department. I informed XXXX I had been a recent victim of identity theft and that I was checking the status of a particular account that was in dispute. The account in question was listed as XXXX XXXX. I advised XXXX that this information was inaccurate, and that I was told XXXX XXXX is no longer in business. I asked XXXX how could this information have been verified as of XX/XX/XXXX if XXXX XXXX no longer owned the debt. XXXX went on to explain that the account was verified due to a statement containing my name and address. This is totally unacceptable an not 100 % accuracy for validation.