WillisBack/dataset-financial-user-claim huggingface dataset:
The company contacted this place of business on an Emergency contact line with a recorded phone call asking for us to call back. When called back they would not assist in removing the group of numbers they contacted and were told to not contact this business regarding any debt collection. We have received repeated calls from this company with no ability to talk to someone or remove our number from their list when we receive the call, and when called back they said they did not call the given number. The line they called is designated for emergencies inside the building and we treat all calls on that line as an emergency, and should not be getting robocalls from debt collectors.
On XXXX XXXX XXXX, I opened a tab at XXXX XXXX in XXXX XXXX, i made two purchases there each for about XXXX dollars prior and closed each one immediatly. I was found by security before the end of the night outside unconsciouse in which they were able to reach my mom via my phone and tell her they found me and gave her my location. According to my mom they did not stay by my side and she found me on dark street with all busineses closed. I woke the next day to find a msg from my bank advising that a charge of XXXX} was made at XXXX XXXX. I did not purchuse or authorise anyone to open or order drinks or items on my card. Especially for that amount. I tried contacting vendor at which i got a answering machine, i left vm. I also contacted bank of america immediatly. I live out of state, and needed to leave California, and since had left situation in hands of my bank. I have not heard from my bank regarding this issue up intil today when i saw that vendor charge was there again. I do not authorize and would like to dispute.
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : DEBT RECOVERY SOLUTIONS Balance {$750.00}, {$510.00}. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
I am a veteran who received prior authorization to go to the XXXX XXXX XXXX on XX/XX/XXXX since I had just had a XXXX and was having further symptoms. I never received a bill from anyone other than the ambulance service in all this time and that is the only reason I knew the VA had not paid yet. The VA informed me that the hospital had not sent them a bill and the only bill they had was the ambulance bill. I had a very hard time getting the hospital to cooperate even though I had given them all the information they needed to bill the VA upon arriving on XX/XX/XXXX. The VA finally received the bill and paid them. On XX/XX/XXXX, I received a notification from XXXX XXXX that a company had reported an account. The original company is XXXXXXXX XXXX   XXXX XXXX but the collection agency listed themselves as I contacted the VA again about this. He and I called the collection agency together and I noticed I was never given the mini Miranda at any point when speaking to this individual. The VA representative informed the collection agency rep, XXXXXXXX XXXX, that it was illegal to double bill the veteran after the VA had paid. XXXXXXXX XXXX lied and said they were collecting on behalf of the hospital. XXXX XXXX went on to say that they would not take it off my credit unless told to by the hospital even though no one ever contacted me about this and I was not worried about it because the VA was paying all the bills. XXXXXXXX XXXX would not listen to either one of us, and when I asked for the phone number to the original creditor, he stated he didn't know it. I then asked to speak to his manager after he was arguing with me in an immature manner, ( I have the call recorded ), and he placed someone on the phone who just repeated himself over and over while refusing to tell me his name. He ultimately hung up on both of us. The VA rep could not understand why this collection agency refused to listen to him and did not know where to go from there. 

XXXXXXXX XXXX  XXXX bills for imaging and is not considered part of the hospital. I verified this after speaking to the billing department at the hospital. XXXXXXXX XXXX  XXXX never once mailed me a letter or called me and the collection agency never sent me a letter or called before placing this on my credit. The VA can not get through to this collection agency as they will not listen and say they are not breaking any laws. The collection agency also stated to the VA that a portion has been paid but they want the full amount. This individual does not understand how government payments work and that I am being double billed. If I am not mistaken, by federal law, they are supposed to be giving the mini Miranda as well. This is not how to collect money.
XXXX, XXXX, INNOVIS FAILED TO REMOVE THIS ACCOUNT AFTER A 47 DAY DISPUTE AND XXXX XXXX XXXX WAS SUPPOSED TO REMOVE FROM BUEAUS.
I have a loan that meets the requirements for a HARP refinance and Wells Fargo currently holds that loan. I have attempted over the past year to process a HARP refinance however Wells Fargo keeps coming up with different reasons why they can not process it. The first was that there were lates on my account and after many many many phone calls to resolve the fact that I had no lates I was told that was not the reason and that the reason is now because I have lender paid mortgage insurance. Under the HARP program a refinance with Lender Paid Mortgage Insurance is allowable and Well Fargo stated that as well but say they wont do the refinance because of it. For a program meaning HARP that is supposed to simplify the process for eligible borrowers Wells Fargo has made this a miserable impossible experience.
The apartment bill me a year after i moved out.They bill me for about {$2.00} XXXX and said i did not pay rent.I gave them a 90 day written letter, turn my keys, and i got a walk thur letter.I even gave them my foward address which is my current address now.The said i was evicted and did not turn in my keys.That was not true i follow all the rules of the lease ending.I have been writing them only get dead end and lies.I need help get this off my credit.
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXXXXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
My name is XXXX XXXX, and I recently refinanced my XXXX XXXX XXXX ( VIN : XXXX ) through XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX. 
ACCOUNT # XXXX Their story is that they mailed a payoff to XXXX XXXX XXXX, but CarMax will not tell me anything about it, saying they have not received it. Their phone operator and the literature from both CarMax and XXXX XXXX indicate that the process could take up to several weeks, which is absurd. I believe that CarMax is delaying the process in order to collect more interest on the loan before actually doing the payoff. It simply does not take longer than about three days for a first class letter to go anywhere. Essentially, I think CarMax is stealing my money every day they do not process the payoff.

My CarMax Account number is : XXXX I believe I have spoken with the Georgia office : : XXXX XXXX XXXX Attn :  Customer Service XXXX  XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX
In XXXX 2016, both Macy 's American Express and XXXX XXXX informed me that my cards had been compromised. XXXX XXXX took care of everything quickly. Macys is continuing to claim that I owe them money for something I never bought. Over the months, I have been told I had no balance, then that they owed me money, and now that I have to pay a fraudulent charge because " the vendor reimbursed me. '' I never used this card to buy anything outside of Macys. I had been dealing with Macys online, disputing their final bill to me of nearly {$200.00}. I was told it would be taken care of. Then I received a bill from Macys for this amount plus late charge fees and interest. I wrote a letter to Macys on XXXX/XXXX/16, disputing this charge. I sent documentation along with the letter, but did not send it certified mail. Now I am getting harassing phone calls from someone from Macys demanding that I pay this bill.
Experian continues to report late payment history for XXXX acct XXXX thru and including XX/XX/XXXX regardless that the account was forgiven in full with a zero balance with a XXXX inXX/XX/XXXX. 

Experian also continues to report late payment history for the XXXX XXXX/XXXX acct XXXX for the months of XX/XX/XXXX& XX/XX/XXXX regardless that the account was settled in XX/XX/XXXX. 

Both of these constitute false reporting by Experian since the account was fully resolved, the balance is XXXX and there is XXXX past due amount. Both XXXX and XXXX have correctly stopped reporting delinquent payment history following the dates the two accounts were resolved ( see attached credit report ).
Bank of America withdrew {$11000.00} from my checking account I had deposited to pay an electrician. I did not authorize this transaction and they claim it was to satisfy an outstanding debt. I dispute the validity of this debt and challenge their right to " reach '' into my checking account on a whim to satisfy it. I have spent hours on the phone with multiple departments at BoA and have not been able to resolve this.
I was approved for a loan in the amount of XXXX on XX/XX/XXXX. When I contacted the company on XX/XX/XXXX the representative I spoke with told me that the system had me in the pay back twice the month even though it is suppose to be once the month on the XXXX of every month. She corrected the mistake and then told me I was approved for XXXX and that I needed to resign the agreements. I signed and initialed everything and submitted my employment verification. Later that evening on XX/XX/XXXX I called to check the status of my loan and was told that the company had withdrawn my application with no reason or recourse.
I called and spoke an agent on or around XX/XX/XXXX, or somewhere within that time frame, and the agent advised me on the phone that once I got my balance really close to 50 % of the credit limit, that capital one would go ahead and turn my card back on. I called back on XX/XX/2017 to confirm this and was given the run around, after I advised them that if the call was recorded, which they claim they are, that it was stated on a recorded line, and they made a promise that must be honored. I do not want to wait 6 - 10 weeks for someone to just go and listen to a call to confirm what the agent said on the phone, which I think is highly unfair.
All of my student loans are paid off, and I keep getting calls from a company called Navient to consolidate my student loans. I have opted out of thier calls, I have talked to a customer service person and I still get these calls. I consider this to be harressment as my phone number is on the do not call list and I dont have any financial transaction with this company. thier web site is navient.com
We live in south Florida and were financially hit by hurricane Irma as our house had damages which consisted of roof damage and exterior damages to fences and trees. We contacted our mortgage company at the end of XX/XX/XXXX explaining the situation and we were put on a  forbearance and explained that our payments would be deferred to the end of our loan term. Now in XX/XX/XXXX we received a call that we had to come up with all the money of those months before they take action on us. Meanwhile this whole time, I have not stopped paying my escrow account which covers taxes and insurance on my property.
While making a purchase I was notified from my bank that my account had been frozen due to a lien and to contact XXXX XXXX XXXX. When I contacted XXXX XXXX XXXX, I spoke to XXXX XXXX, whom had informed me that a default judgment had been filed against me on behalf of XXXX XXXX  Payday loans. I had taken a payday loan out in XX/XX/XXXX, and made a few payments, but lost my job and the bank account ; so I could not make the payments. I tried to make arrangements with the company, but XXXX XXXX refused to work with me. In XX/XX/XXXX I am notified that they filed a lawsuit, because the attorney had put a hold on my child support payments ( which is illegal in Texas ). XXXX XXXX XXXX refused to lift the hold until I signed an agreement. I originally took out a {$750.00} payday loan, but now the charges had gone up to XXXX with excessive fees and interest. I did not attend the court hearing because I was never served and was totally unaware of this. The lawsuit was filed in a different precinct than where I live, with XXXX XXXX in XXXX XXXX, XXXX XXXX. I asked for a copy of the original lawsuit and XXXX XXXX XXXX has not provided this to me, just a statement of what the total amount is now due.
This morning I was contacted by my employer that someone was trying to contact me because they were filing a civil suite against me. The man who contacted my employer was XXXX XXXX XXXX. I called immediately at XXXX. He demanded payment of $ XXXX by tomorrow or {$500.00} + by the months end. I said that I could make a payment arrangement of about {$50.00} a month being that I am a single mother of XXXX and with only my income to support. I explained that I had just recently, back in XXXX, got out of an abusive relation ship that had left me in debt. I said unfortunately I did n't even have enough money to buy my girls XXXX gifts this year or fix my car that is desperate need of repair. I said {$50.00} was the best that I could do but by tax return time I could hopefully pay more. I requested that first he send me official paperwork pertaining to this legal suite XXXX He refused! He said that they already sent something out sometime ago and would not again unless I agreed to make payment. I asked that he send me the paperwork with all my options. He said that " No, because then you 'll receive it and then just say you can only pay {$50.00}. '' I told him that I wanted official documentation and am not going to commit to paying anyone without have official paperwork so that I know who I am sending what to. He became argumentative and refused and said that he already has my wage information and that if I did n't send payment and agree to anything he would follow through with the suite XXXX This ca n't be legal but I am shaking because if it is, I am not in any financial state that I could afford to pay {$3000.00} + back, which is what he said that I would come out to being if I did n't pay by today but no later than tomorrow. I will lose everything that I have worked so hard to get and at the moment keep. Again this is XXXX XXXX who said that he is an attorney and XXXX.
Called Trans union for victim of inquiry issue on XXXX XXXX. Customer service would not help me take off inquiries they had took off prior. Try to take off XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX mortgage XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
I previously disputed a reporting error with Exeter Finance due to a banking error. Exeter was gracious enough to update my credit report for XX/XX/XXXX per the response provided below. However, each credit agency is now reporting that my loan was delinquent for the XX/XX/XXXX payment when in fact, I was only 18 days delinquent once the XXXX payment went through. Exeter approved me to have a modification of my loan through the XX/XX/XXXX payment for the XX/XX/XXXX that will be paid on or before XX/XX/XXXX, which is within 30 days of that payment being due. I am not sure how they fix one issue and report I am delinquent on another month when that payment was due XX/XX/XXXX and it was made on XX/XX/XXXX, which is within 30 days of the due date. I am confused how a payment made before it was even 30 days late it reporting on my credit report as a 30 day late payment. 

Company 's response in prior compliant # XXXX : Your account was 48 days past due for the XX/XX/XXXX payment when we received your payment on XX/XX/XXXX. As a result, you were accurately reported delinquent for this payment. In your complaint, you stated an email was forwarded to our office on XX/XX/XXXX regarding your bill pay. We are unable to locate a record of this email ; however, in compliance with FCRA laws, credit dispute investigations may take up to 30 days to complete. We appreciate your efforts to make all payments in a timely manner. Based on this complaint, we have agreed to remove the late mark that was caused by your banks processing error. We have updated our internal records and provided the corrected information to the credit reporting agencies. Please allow up to 30 days for this update to reflect on your credit report. Our records indicate your account was placed in a cease and desist status in XX/XX/XXXX based on CFPB complaint XXXX. To remove this status from your account, you may fax or email a written and signed request directly to the Office of the President at XXXX or XXXXXXXXXXXX. Our success is based on customer satisfaction with our products and services so we take the issues presented in this complaint seriously and make every effort to provide a prompt and equitable response. If you have any additional questions about our response we encourage you to contact the Office of the President at XXXX. Sincerely, Exeter Finance
Portfolio Recovery Associates is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to XXXX XXXX  about a charge and they did n't respond and it led to a charge off. The account is also duplicated. XXXX XXXX is also reporting the account. That means there are 3 violations due to a single trade line.
Experian refuses to provide a live person to assist with purchase of credit report over the phone. I am visually impaired and their online webpage forces consumers into recurring billing platforms. I do not want this. I called and was told I would have to use automated system. I placed a fraud alert on my account and still these agencies are causing me continued stress and unnecessary high interest with their alleged scoring platforms and duplicate inquiries on my credit report. 

These companies are continually destroying the XXXX economy. what is the CFPB going to do to fix all these problems and restore American confidences?
I contacted  XXXX ,  XXXX  and Equifax asking them to remove my public records, tax liens and bankruptcy off of my credit. It is still on there and I am wanting it removed. Under the new law effective   XXXX   XXXX    2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy and tax lien listed does not include this information and should be deleted from my credit report
I have a complaint I will like to file about early warning. I have reached out to them about my file, theres things on there I have never opened besides XXXX  XXXX inquiry. How on earth did this banks get my information someone has to be applying electronically as now I have freezes on all my account and will be getting to the bottom of this and will be reporting.unders section 609 if it doesnt belong to me it must be deleted!. I sent out 2 letters and never got an response back it's been over 60 days when I've sent out a 2 letter of dispute never have gotten a response or reply. I reached out to them there saying I have to mail in a dispute of inaccurate information which I have already done it's over 60 days. This isnt fair this usnt right under FCRA IT MUST BE DELETED
XXXX XXXX XXXX XXXX called me and represented themselves as working for the federal government. If I qualified for their program ( low income, high debt ) they could erase my credit card debt. So I gave them all my credit card information. They said the process would take three weeks and started by shifting the debt from one card to another. When I later checked what they had done an additional {$2600.00} had appeared among the transfers. I asked the bank that had received this fraudulent charge to delete it, they said they could n't accept it as fraud since I had given them the information.