WillisBack/dataset-financial-user-claim huggingface dataset:
The Name of this company : XXXX XXXX, is in and/or XXXX, XXXX, VA. The onething that I am complaining about is the fact that they tape phone calls. Does n't it say under federal quidelines, that if you tell to stop taping your phone call they have to stop it. This was in the front of my phone book. If I do n't want the call taped, they have to honor that request. Well this company, flat out and I mean, flat out and will not obey this rule. Their excuse is this. Well we have to see how our people are doing. Tough is my comment. The federal law is above your company and you ca n't do against that. Over several yrs back, I contacted them, about things on my credit report. They were doing the same mess. What I did was get an address and an amount and them send them a certified letter to the CEO of the company in the mail. That way they got their money and the bill etc was paid. But I do n't like this, when as " myself '' as an consumer, I ca n't get a collection company to obey the law. The bill is paid now. I went back to the original company and told them what was going on, and I paid it, at my appointment. Apparently they are very familiar with this company and the illegal games they play, but basically do n't much care. Sir, pls do something about this company. I hope that I never have to contact such a rude and law breaking company such as XXXX XXXX again. Next time, I speak with the CEO, and that 's it, and ask him/her, why his/her company is disobeying the law. Pls do something. So this do n't happen to anyone else. This is not right, legal etc. Thank you XXXX XXXX XXXX
I have been requesting verification of the following account that Equifax continues to report on my credit file : Us Bankruptcy court- XXXX Case Or ID # XXXX. Equifax listed XXXX, XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2016. 
I directly called the XXXX telephone number that is listed on my report at XXXX and spoke with a representative she informed me that a security freeze was placed on my account as of XX/XX/2016. 
I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and the representative advise me that my security freeze was confirmed and set into place as of XX/XX/2016. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2016. 
I demand that this public record Us Bankruptcy court- XXXX Case Or ID # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Equifax '' s so-called " verification '' on XX/XX/2016 WAS NOT REPORTED BY THEM BECAUSE MY XXXX HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : Us Bankruptcy court- XXXX Case Or ID # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE.
I have been fighting ID THEFT for sometime now and have several fraud accounts reporting on my credit report. I have sent supporting documents showing this fraud. I have sent notarized documents as well as FTC complaint forms, the following accounts and info are fraud!! 
1.XXXX XXXX XXXX XXXX XXXX Account Number XXXX Date OpenedXX/XX/XXXX 2.XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Date Opened XX/XX/XXXX 3.XX/XX/XXXX Account NumberXXXX Date OpenedXX/XX/XXXX 4.XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Date OpenedXX/XX/XXXX 5.XXXXInquired on XX/XX/XXXX 6.XXXX XXXXInquired on XX/XX/XXXX 7.XX/XX/XXXXInquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
I have requested a validation of debt from Midland Funding with no response. I also requested a Affidavit of Fraud from this collection company with no response. This company as placed a Restraint on my account so I ca n't access to my money since XXXX 2015. I recently received a notice stating that they have removed all the money in my account. I never provided to this company my account information I do n't know how they get my information. I truly believe that this is illegal and unconstitutional. Please help me to get this issue resolve.
I did a harp in 2010 because my son was in a bad accident and I had to take care of him and fell behind. I did a loan mod which was supposed to catch me up and get me back on track. Instead of my loan amount being XXXX it is now XXXX. I was given assistance from the government and my lender put XXXX dollars on my loan and I now owe XXXX. I have made consistent payments and need someone to look into this for me. I keep asking questions and I dont get any answers. This company was nationstar and was know for predictory lending! I need help to look into this for me please. 

XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX
I have had many credit card accounts owned by Synchrony Bank. Due to false and wrong credit reporting by creditors to Credit Bureaus ie XXXX, XXXX, ALL credit cards I have had in GOOD standing, or were paid off in full according to terms of agreement with Synchrony ( NONE of which were in default or behind ) were closed!! This is an outrage as all the information for which their decision to close was based on each one ( and they were all the same ) stemmed from derogatory records or recent collections and these " adverse '' accounts have been shown to be wrong, false, and or have been removed from my credit report after review by creditors. There is no reason to have closed these accounts as I was never in default nor behind, and in fact several had XXXX balances. The closings have occurred over the course of last 6-8 weeks.
I applied the Wells Fargo Cash Wise Visa Credit Card - Reference Number : XXXX. However, I got denied with the following reason : " Social Security Number provided ca n't be verified. I spoke to Wells Fargo Cash Wise Visa Credit Card customer service and told them that I faxed the copy of my Social Security, however they said they did n't receive, then I faxed again, then I checked to status of the application, it changes from " declined '' to " pending ''. After that I made a copy of my social security card and send ( post office mail ) with the enclosed envelop from Wells Fargo Cash Wise Visa Credit Card sending to me to ask me to provide them the copy of my social security card. Moreover, I am currently the customer of Wells Fargo Mortgage ( Please see attachment ). I do n't know why my social security number ca n't be verified.
We called Chase to refinance our home and cash out on XX/XX/XXXX. We were told that we could get {$75000.00} cash out and Chase would have to pay XXXX credit cards off and we would receive that remaining cash. Chase said our credit was fine, and that an appraisal would be ordered. The appraiser came on XX/XX/XXXX. On XX/XX/XXXX, Chase stated the loan was denied due to Underwriting. First they said it was because we owed {$92000.00} in old business debt and we sold the business XX/XX/XXXX and had no remaining debt. And then they came back and said it was because the debt to income ratio was over XXXX %. They never said a word about debt ratio being high. Why would Chase Home Mortgage waste {$500.00} of my hard earned money before ever having the refinance reviewed by Underwriting. This is the second time Chase Home Mortgage has collected money for an appraisal upfront without review. They did the exact same thing to us XX/XX/XXXX. They hastily order expensive appraisal before allowing Underwriting review first. I want my {$500.00} refunded. This is corrupt. They know exactly what they are doing. If this has happened to us 2 times in 4 years they are banking a huge sum of money from consumers. Why would you waste consumers ' money if you had not reviewed the chances and requiremenst of Chase Mortgage before hastily ordering appraisals. And by the way we have over {$140000.00} in equity in our home and do not have derogatory credit. There is no excuse to be charging us money for an appraisal only to waste my time and money.
My credit files indicates that someone opened a loan / lease on XX/XX/2016 these ar ethe providers and I had not authorized the parties to use me this is effecting my credit and or ability to get credit tieing up my score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for around XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I explain to company that I was never evicted or nor Do I have any judgements for the following on my report. I am writting to request an Early Exclusion, delete or removed the following information off my report. 
Please reinvestigate this matter and contact the natural credit comany to which you provided this information to have them deleted or corrected the Early Exclusion/Dispute items as soon. 

DATES ARE : DUE TO FORECLOSURE XX/XX/XXXX NO JUDGEMENT OR EVICTION & SECOND CASE on XX/XX/XXXX WAS DISMISSED NO JUDGEMENT OR EVICTION TOOK PLACE.
I have received calls at least 2-3 times a week from XXXX ( which is a collection agency ) on my company phone. I have called them twice and they always tell me I'm not in their system, I don't owe them anything, and they don't know why I keep getting the calls, except for that it might be in another system that they don't have any control over. They have cross referenced my company desk phone, which forwards to my cell phone and that number is not in their system either. The calls have become more frequent and are starting to interfere with me conducting business on my company phone.
My husband and I have had our account for over two years now. We specifically asked before opening account that I could cash his check on Fridays, because he works XXXX and sleeps during the day. We were assured that this would not be a problem. We were told that because he had given his permission in person at the bank, that this would be ok. For the first several weeks, I was told that I could not cash his check, because he was not present. My husband and I had to literally go inside the bank on numerous occasions to speak to their staff to resolve this issue. We were told, each time, that it has been resolved, and I would not have anymore problems cashing his check. As recently as XXXX XXXX, 2016, through the drive through, I was told, while I was trying to cash his check, that ( and I quote ) " I can not cash your check because your account is in the negative ''. Our account was NOT in the negative. I had to go inside and speak to XXXX, the branch 's manager. She told me that they have " new '' people who do not know me, or the circumstances. This is after meeting with XXXX, my husband and I just a few weeks prior to this incident. XXXX gave us her word that this would not be a problem again. I go through the drive through primarily because I am XXXX and it is very hard on my body to try to get out of my car, park, and wait in line inside the bank. What my husband and I are so upset about is ( 1 ) we were told upon opening our joint account that because he has given them his permission, I could cash his check every week ; ( 2 ) we are continuing to have this problem every time she tries to cash his check ; ( 3 ) now, because of all the issues of her trying to cash his check, he actually has to get up from his sleep ( he works XXXX and sleeps during the day ) around XXXX every Friday, get dressed and drive to the branch in order to cash his check. This is totally ridiculous!!
I consolidated my loans through Sallie Mae/Navient. When I stopped working, rather than guiding me to a payment plan that would help me continue making payments, Navient guided me towards a deferment program. The balance of my student loans has almost tripled. 

In addition, Navient, when I started working again, based income-based payments on both my income and my husbands even though he was never responsible for these loans. 

These two factors are causing a significant hardship. Navient has refused to deal with this.
This account is very old and the company is not responding to me reaching out. I need this account resolved and removed from my credit. Please help.
Freedom Mortgage became the servicer for my home loan on XXXX XXXX. I made the XXXX payment to my old servicer, XXXX. Freedom Mortgage incorrectly calculated my mortgage payment. They had it at a higher amount. I made my XXXX payment to Freedom. They claimed the XXXX payment was not enough, so they applied no funds to the loan. They obtained the payment made to XXXX. They now had XXXX payments, which they calculated to cover XXXX, because they miscalculated my mortgage. This meant I had XXXX payment made, over 2 months, with a pending positive balance, but not enough to cover the incorrectly calculated mortgage amount. After receiving a stack of paperwork from Freedom saying I would be charged late fees and my credit adversely reported, I called Freedom and they acknowledged my account was current. I received stacks of collection mail in XXXX and XXXX. I called again in XXXX. They confirmed the error was on their end. They were going to put in a " work order '' to correct their accounting error. Stacks of collection mail, notices, threats, late payment charges, and negative credit reporting in XXXX and XXXX. My credit has dropped as a result from over XXXX to the high XXXX. I called again in XXXX. Was supposed to receive a call back from a manager the next day. No call. I am now going to send them a demand letter including a demand for payment for my time in having to deal with this issue, at my billable hourly rate, and the defamation of my credit. I intend to seek attorney fees and expenses associated with their error and fraudulent misrepresentations in stating that my credit would not be negatively reported and that I would not be charged late fees for their error.
I am the victim of identity theft and I have placed a 90 day initial security alert on my credit reporting agency accounts. Experian notified me by mail that it has placed an *Initial Security Alert* on my account and that I am entitled to a free credit report. But when I used tried to order the credit report, using the Report Number Experian sent me I get a response that *We were unable to honor your request. * How do I get my free credit report from Experian?
A number called my phone several times and finally after no Voicemails I called it back. After a long pause a call center type person came on said Credence Resource Management ( was calling from XXXX ) in a foreign voice. I stated I had no idea who they were and I felt they had a wrong number. They then asked if I was xxx ( who is my daughter ). My daughter is XXXX with no bad debt - only student loan and one credit card so I said why are you trying to reach my daughter and how did you get my number? He said its a personal matter. I said well this is my daughter you are referencing and I want to know how you got my number. He said I will take you off list and hung up on me. No idea why they were calling at all.
I check my credit scores via XXXX XXXX, XXXX XXXX and XXXX have arbitrarily and with out just cause lowered my credit scores Transunion by XXXX points and XXXX by XXXX points. I have recent inquiries and am update on all payments. They refuse to take my dispute.
Upon reviewing my credit report from, TransUnion, I noticed several unauthorized inquiries listed under my file. I contacted TransUnion via certified mail on XXXX XXXX, 2016 requesting the inquiries to be removed and provide documentation bearing my signature. TransUnion responded saying the inquiries were verified and factual. In the letter sent to the bureau, I requested verification and validation but the company failed to comply. I called on XXXX XXXX, 2016 ; I called TransUnion in response to the letter and asked that the inquiries be removed from my report. I called Trans Union again on XXXX XXXX, 2016 regarding the inquiries and the agent was not helpful. The agent declined to do so and stated the information will remain for two years. The inquiries are as follows : XXXX, XXXX, XXXX, XXXX and XXXX.
Credit reporting companies, the big three - XXXX, transunion, and XXXX all charge fees for instituting, thawing, and lifting credit freezes. These companies collect this information without my consent and I am coerced in to " doing business '' with them if I want to be involved in society in any meaningful way. The fact that I have to PAY THEM MONEY to adequately protect my valuale personal information is a discrace. Since I and other consumers have no recourse to not to business with these companies ( other than exit from society all together ) free market principles will not work to solve this problem. And I am forced to pay their fees. For example, if I do n't like that XXXX charges a fee for a credit freeze, I ca n't just decide to move my business to Transunion. And for those who the can not easily afford the fees ( x3 because you need to do it at three companies ), this is even more burdensome and onerous. Thus some type of protection from these abuse of the market by these companies is needed. Some states have such laws, but not my state. 

In light of the egregious theft of my highly valuble personal information from XXXX, the importance of a security freeze is great. These comanies should allow me to protect my information without financial penalty.
After my wife 's bankruptcy,  XXXX    XXXX   converted this to a consumer loan and then transferred it to  LCS Financi  al.  Under Florida bankruptcy law, the lien should have been removed.
This complaint is against XXXX.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using UCC 1-308, I never used the card when I received it, I don't remember my wet signature on any of their documents, XXXX  never loaned me any money or legal tender, I didn't authorize XXXX to access my credit report, I don't understand how I'm liable for any debt with XXXX. Under the law, only Congress can issue legal tender, and HJR 192 relieved me from debt, since it's public.
I was issued an writ garnishment that indicated the wrong principal amount. Per the documents I have received from XXXX dated XXXX/XXXX/2015 stated I owe XXXX, from a sale of the collateral that i voluntarily surrender. According to the paperwork I had an initial balance of XXXX they sold the vehicle for a XXXX, I was charged XXXX for storage in which the vehicle sat in a public strip mall up until the sale date. I do n't feel that is a legitimate charge. I then received a wage deduction notice stating the principle balance is XXXX. This appears to be fraud to get more money than owed. not to mention
Thank you for your time and patience in reading this letter. I am writing to you because in the beginning of 2018, I realized that I had an account showing on my credit report as closed of {$290.00} from XXXX XXXX XXXX. That really bothered me because I previously had XXXX  after they bought out XXXX, in which now I have XXXX XXXX. I'm requesting that the negative information be updated and not reported to the 3 major credit bureaus, do to the nature of trying to achieve personal goals to maintain a better life for myself. This information being reported is over 5 years old and I'm just recently seeing it.
My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to XXXX. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by XXXX XXXX XXXX and within all honesty at our time of life the prospect of being bound to XXXX XXXX XXXX for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that XXXX was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX  my area code is still a XXXX XXXX XXXX which is simular to a XXXX  area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.
I had 2 tax Liens that fell off my report and only gained 4 points. Each negatively reporting tax lien is worth 30 points each my score should have risen by 60 points. Nothing else on my report changed but that so it should have increased. Also my second complaint is they removed a positive tradeline without me requesting it. The company is Transunion and the 2 tax lien were  removed betweenXX/XX/XXXX & XX/XX/XXXX My score before the removal via XXXX XXXX  was XXXX after the removal my score went to XXXX with no other negative changes. I believe I didn't receive all the points I should have received. The second issue they also removed a positive tradeline which was XXXX XXXX XXXX betweenXX/XX/XXXX -XX/XX/XXXX causing my score to drop to XXXX. 

Tax Lien account # XXXX Tax Lien account # XXXX Please see screenshot attachments
This is to complain about BoA and XXXX using their powers to place pressure on manufacturers and American citizens by denying services to them because they are using a constitutionally protected right and have done absolutely nothing wrong. I hate the fact that my tax dollars were used to bail their sorry butts out and now they are trying to get in to social engineering. Just who do they think they are? I for one will never do business with them because of it.
IVE ATTACHED THE COPY OF THE DIRECT ONLINE UPLOADED DISPUTE THAT     XXXX   'S   SYSTEM WOULD N'T ACCEPT TODAY.THEY HAVE A COMPUTER PROBLEM THAT WO N'T ALLOW ME TO SEND INFORMATION TO SUPPLEMENT MY ONGOING DISPUTE SO I 'M SENDING IT HERE BECAUSE THE CFPB 'S COMPUTERS ARE N'T USUALLY BROKEN AND   XXXX   'S USUALLY ARE BROKEN
XXXX XXXX incorrectly charged me late fees for all my bill payments made on time. My XXXX XXXX account number is XXXX. 
I purchased furniture from XXXX XXXX at their XXXX, CA location in XX/XX/XXXX. They suggested I finance for a 0 % interest for 12 months loan through XXXX XXXX. The promotion required that I pay a minimum monthly fee to be received by XXXX XXXX before XXXX on XX/XX/XXXX of every month. I setup a recurring epay from my bank, XXXX XXXX XXXX XXXX ( XXXX ) on the XX/XX/XXXXof every month. To my dismay, I received a billing statement that my payments were late and that I was charge penalty. 
I contacted my bank, XXXX who told me that all my payments to XXXX XXXX were made before XXXX on the XX/XX/XXXX of every month. I have documents which indicate that all payments were made by DCU on time. However, XXXX XXXX continued to charge me for the late payments and the interest from the late payments. 
I have proof from XXXX that all payments to XXXX XXXX were made before the due date and time. However, XXXX XXXX may have processed these payments late and charged me the late payments.