WillisBack/dataset-financial-user-claim huggingface dataset:
This is an extension compliant on report Case number : XXXX original complaint statement They are reporting XXXX accounts XXXX and XXXX I do n't not owe them a dime. I paid XXXX to original creditor XXXX paid in full. They do n't not have the right to report it to the credit bureaus as they do not own the accounts they are a third party. It 's only suppose to be XXXX account and they did duplicate accounts. I talk to XXXX XXXX XXXX paid them XXXX and verified there was only XXXX account. They are reporting inaccurate information to my credit bureaus. I do not owe them a dime I paid home shopping net in full XXXX!! 

They still do not want to delete debt from credit bureaus They are not authorize to collect interest as per original contract with XXXX XXXX XXXX the next step would be to go to the State General they have made false statements. They are govern by fair debt collection practices act California that they are violating here are some violations Debt collectors can not use obscene or profane language, threaten to illegally harm you or your property or your reputation, falsely threaten you or threaten you with illegal actions, cause your telephone to ring repeatedly to annoy you, or otherwise harass or abuse you. ( California Civil Code sections XXXX ; 15 United States Code sections 1692d-1692e. ) I have recorded them treating me they would sue me garnish my wages ruin my life is all RECORDED if I did not pay them right away they also curse me out when I dispute the debt and tell them I do n't owe them a dime Debt collectors can not make false or misleading statements ( California Civil Code sections XXXX, XXXX ; 15 United States Code section 1692e. ) Some debt collectors supply information on debts they are collecting to credit reporting agencies such as XXXX, XXXX, or XXXX. However, a debt collector can not threaten to report your debt to a credit reporting agency unless it actually intends to do so and unless the information it is reporting is true. ( California Civil Cod section XXXX ; 15 United States Code section 1692e ( 8 ). ) The key word is true they have been reporting inaccurate information for more then 2 years wrong amount and multiple accounts where there is only XXXX account proof of payment has been summited XXXX pics XXXX bill under XXXX XXXX last transaction on XXXX 2016 conformation number XXXX gave me is XXXX phone number they gave me for debt department is XXXX Here is a blog of other people with similar situations maybe class auction lawsuit is warrant here XXXX
My original monthly payment was {$870.00} on the loan. Then the raised it to XXXX monthly adding insurance to vehicle but I have full coverage already and they refuse to remove it making it difficult to make the monthly payment. I spoke with them to resolve the issue but they refuse to comply with me in anyway.
I had bought my home in XX/XX/XXXX, and I fell behind on mortgage payment in XX/XX/XXXX, but I was able to get a repayment plan with M & T Bank in XX/XX/XXXX after becoming unemployed in XX/XX/XXXX. Also, I had fell behind in HOA dues in XX/XX/XXXX, and I tried to get a repayment plan from them in XX/XX/XXXX, but they would n't negotiate. Actually, they returned my money order. 

Recently, I have stopped making mortgage payments due to misinformation from the bank that the HOA was n't the owner that I am. I have learned otherwise through a title search that my bank deceived me from the truth of ownership. 

Now, when I call the bank 's attorney, I am always asked if I have a lawyer before I can speak to the attorney. My question is, will I get a notice from bank when I can move my personal possessions out. I was told that the bank will not be the owner after the foreclosure. How not? 

Because of this bank, I faxed the HOA notice to vacate to them for direction, and they ignored it. I called M & T Bank, and I was told that I am still the owner of the property. Today as I write this complaint, I am still told the same information. My personal property remains in the house, and I am not helped in accessing the home by this HOA to retrieve them. They refuse to work in good faith with me to let me view the inside as proof. I do not believe their word, because of their process of no repayment plan. I could n't afford an attorney during this process. 

Both the bank and HOA took advantage of my lack of the laws and legal representation. My whole life is in this house that I 've acquired over my XXXX years. Others that I shared my story have never heard that an HOA want to do this. 

I feel emotionally helpless and frustrated thinking about my personal papers, unreplaceable family pictures, and other personals that are unreplaceable. My house was stolen from me, but I am pleading for the return of my possessions. That 's all!
A representative came into my place of business in washington state. The representative first name was XXXX. She was a supervisor, as an incentive to get us to open an accout with Wells Fargo Bank she offered a {$300.00} that would be deposited after u kept at least {$1.00} in the account for 90 days. I called my back mid XXXX, first they said they didnt see the incentive and i was escalated to another department that handles the incentives and i was advised that it would be 45 days after the 45th day expired. I confirmed the accout was open on XX/XX/XXXX which meant my 90 day mark was XXXX XXXX XXXX. Now i confirmed with the representative on XX/XX/XXXX and she confirmed i met the terms. Now when i call they say they can't see the incentive. So im reaching out for assistance.
I purchased my leased XXXX XXXX XXXX on XXXX/XXXX/XXXX at XXXX XXXX XXXX through Toyota Financial services. The lease ended XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Toyota Financial Services withdrew {$200.00} out of my checking account when they had no contract what so ever to do so. The lease ended the day before. I called them to get my monies back and they insisted I caused the problem by not turning off auto payments through them. Why would I need to turn off the payments when I had paid off the loan.They would not reverse the non authorized charge and stated I would have to wait for a check in the mail. This is flat out stealing!!! Please stop them. I asked to talk to a supervisor and was jacked around by some punk named XXXX that lied about being a supervisor.
When setting up the account I was told I would be able to pay it off in full at {$520.00}. I agreed thinking it was be the {$520.00} split up in payments -- AFTER I AGREED TO EVERYTHING THEN THEY SEND ME MY REPAYMENT SCHEDULE!!!! AFTER! I see they have an interest rate of XXXX %! I did not realize I was going to repay {$1900.00} on a {$350.00} loan. To date I have paid {$700.00} on this account. I did communicate with them via email regarding paying it off in XX/XX/XXXX or so but the math was n't adding up until now. The repayment schedule I did n't really understand, either. I am a single mother who gets no child support and works XXXX hours a week and CAN NOT DO THIS. I feel so stupid for falling for this -- PLEASE HELP ME! I get no government assistance I need help. XXXX is the name. I know they are XXXX XXXX related but on XXXX of XXXX XXXX XXXX XXXX XXXX ruled that the FTC Act " grants the FTC XXXX to regulate arms of XXXX tribes, their employees, and their contractors. '' specifically regarding deceptive payday lenders hiding behind a tribal affiliation. '' I need help into completely closing this account as of now as paid in full. I will gladly accept just close it -- no refunds, my mistake and I 'll take it as a lesson learned. Red Rock Tribal Lending, XXXX XXXX XXXX ( or now XXXX ) XXXX, XXXX, MI XXXX
On XX/XX/XXXX my XXXX yr. old mother was taken by a scam artist. The card information was falsely obtained. The person calling her was claiming to be her grandson in another state and told her he had been arrested for drugs and he was sick and needed medicine. She was told to go get 8, {$500.00} American Express pre-paid cards, call them back with the numbers so he could post bail. She did this and they continued to call into the night when she then suspected a scam and called me. I called American Express that night. i had to register 5 cards in my name and 3 in my wife 's so that I could dispute the charges. I did this and American Express told me they would reimburse the money. After weeks of submitting in writing a police report they have now denied without any explanation. I spent 3 hours on the phone one night being on hold for 2 1/2 hours. I get no response just a run around. Please help get my elderly parents their money back. They only live on Social Security.
My mortgage was thru Ocwen ( They took over my original GMAC Loan ). I sold the house on XXXX XXXX, 2015, Ocwen was paid off. I overpaid a mortgage payment. So they owe me {$2000.00}. I have been calling them, they keep telling me it takes time to process. Finally in XXXX, they told me they mailed out a check on XXXX XXXX ... .Never received it. have been calling all of XXXX an XXXX. They keep telling me to give it XXXX business days, that it is being re-mailed. I have repeatedly asked for it to be XXXX XXXX so it can be tracked. I was told to wait XXXX days just to see if they can XXXX. Now I get a call on XXXX XXXX, 2015, that they have wired the money to XXXX XXXX ... I have no idea who that is, so she wanted to research some more. Today ( XXXX XXXX, 2015 ) I hear I 'm sorry it has been wired to XXXX XXXX XXXX, and you will need to call them ... I have NEVER had a bank account at XXXX XXXX XXXX ... I told them I want my money, that what they are doing is not right! I have been waiting since XXXX for my money. I am closing on my new home in XXXX and need that money. I am a single parent and {$2000.00} is a lot of money for me.
Global receivable solutions has called my place of business 10 times in 1 hour. Both owners have called and told them to remove our number and they immediately called back 3 times in 90 seconds. We are a very busy restaurant and do not have time to be answering the phone when it has nothing to do with our business. They would n't even tell us who they were looking for nor let us speak to a supervisor. Every time we tried to speak they would interrupt us with the same statements over and over. 
It should not take 3 calls to get them to stop. Nor should they call anyone 10 times in one hour.
Supposedly simple, I charged my trip thru my XXXX card. The Agent said, it 's DENIED! So I used a different card XXXX, and everythings okay. I called my XXXX card and i told them that I was dissapointed and embarrassed. The Agent said your'e okay and do n't worry about it. The next day I checked my XXXX account on line, and all the denied charges are there amounting to more than XXXX. I called the XXXX card and my Bank, Chase. They said I authorized it and I ca n't do anything about it. what a hurdle, I went to the bank, and they gave me a hard time as it was my fault, nothing happened. Then I used my card to buy gasoline for XXXX dollars, and it was denied. I went back the next day and told them the problem. For more than XXXX minutes all their responses were irrelevant to the problems. I started raising my voice, thats when they produced a document. They told me to fax the documentation to the dispute office ( to find out that the FAX number is not correct ) I check my statement on line and I can not see anything, then I called them while I 'm on line and they told me that check the statement on line and Yes, it was there but I can not read the statement, very small and not clear. For more than a month it was very stressful and raised my XXXX XXXX. Then at the end of the month, I found out that the bank automatically deducted {$380.00} cents. The email said that the thanking me for the automatic payments. A few days later all the emails were deleted, i can no longer track the messages. At least they removed a lot of disputed charges but end up deducting XXXX item from my checking account without my knowledgedt. I am already old, I 'll be XXXX yo and can no longer handle this problem.
Purchased vehicle and my credit report showed a new collection account from Credit Collection Service. XXXX XXXX XXXX XXXX MA XXXX. Original debtor XXXX XXXX. It caused an increase in interest from XXXX to XXXX and an overall cost of {$1600.00} in the length of my auto loan. I do not owe this debt. I have no idea where this could possibly come from.
XXXX 2014 I received a quote from an XXXX for some commercial work for XXXX. ( Their business name is " XXXX XXXX '' ) They did not complete any work, but sent me a bill for XXXX. They would never provide any documentation of signed work orders or anything to show they did the work they want money for. ( I had hired another XXXX that gave a better quote ) They sold my " bill '' of {$800.00} to Southwest Recovery Services and I have now received massive amounts of threatening phone calls to XXXX line. I have requested something in writing, they tell me I 'm stupid and do n't need it, I told them not to contact me at that number, they said they do n't have to listen to me and can do what they want, they said they will sue me, and then told my employees on the phone that I 'm a deadbeat that they need to quit because I do n't pay bills and wo n't pay their paychecks and I 'm a wanted criminal for this debt. My employees told her also to stop calling the business line and they hang up on them and call back to try and get someone else to answer. The harassment has been going on for months now and I ca n't take it anymore! Please help!!
I am having a problem with Transunion. When I checked my credit report in XXXX, there were no inquiries on my report. I just looked over my latest report and found that XXXX inquiries were reinserted into my credit report from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I was never notified of the reinsertion. I called and Transunion says they can not help me.
I have contacted ARS at the phone number XXXX regarding multiple accounts listed on my credit report, they are all listing duplicate and re-aging on my credit file. I have a seeked a lawyer as this info is damaging. There are three accounts listed {$29.00}, {$74.00}, {$1000.00}. I have asked over and over to please send info and prove how I owe the debts amount. I have yet to receive anything. I spoke with an agent name XXXX back in XXXX XXXX who advised she will have a lawyer contact me and open up a lawsuit if I dont send a check and address it to XXXX XXXX XXXX XXXX XXXX FL XXXX. I also called other times where agents advised they will not resend anything to me. At this point I want to pursue with a law suit for these so called alleged charges from XXXX
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXI had  my full tax returns taken by XXXX XXXX first and navient the next 2 years. I called and got transferred. No answers. I am finally back on my feet. Getting a home again. The financial hardship this caused me is indescribable... how do I fix what they did?
XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
On XX/XX/2018 while traveling to an appointment I started to receive calls from an unknown number. After recieving repeated calls, I called the number back to find it was Chase informing me that my account was past due.I received 5 calls total of harrassment between XXXX-XXXX on XX/XX/XXXX. I believe I had payed that account already so I requested a payment history be mailed out. 
On XX/XX/XXXX, even after requesting a copy of my payment history, I recieved 3 more annoying calls between XXXX -XXXX. At this time i reviewed my online banking & an authorized a payment of {$200.00} to Chase. 
On XX/XX/XXXX, i get off from work to find that I already have 2 missed calls from Chase. I call the number back @ XXXX. I speak with a representative named XXXX. I informed him that i had request a payment history but I had also already sent over payment because of the amount of calls I was receiving. I informed him that the calls were excessive and his response was that it was not a representative but an auto dialer and that my payment had not been recieved. I verified with XXXX that the payment was pending on my end for XX/XX/XXXX. I again informed him that the calls were excessive and that more than 2 or 3 calls should not happen. He ignored my concern & stated he would note my account that a payment will be made XX/XX/XXXX which should end the calls. My concern is that a limit of calls needs to made with their " auto dialer ''. No customer should recieve 5 calls in one day for any reason. These calls were within a 9hrs period & often less than 2 hours apart.It is abuse and harrassment and needs to change immediately.
Creditor : Macy 's XXXX calls gives false information and collection department provides no transparency. 
Credit card holder since XXXX, I closed the account around XXXX because Macy 's illegally withdrew money from my checking account. 

I was past due for a XXXX XXXX XXXX payment and in XXXX XXXX I attempted to become current. I changed payment arrangements around and explained that I get paid with a paper check not electronically. The last customer rep ( with a strong accent ) I spoke to assured me verbally that I had till the XXXX XXXX XXXX to make partial payment and also arranged for future payments to be drafted from the checking account. Macy 's reported it late. I called their credit division to inquire:1st call - Customer Service rep. said I was late for two straight billing cycles. I explained the conversation with the customer rep and asked if they would pull the recorded call. He said they do not record calls. I asked to speak to his manager. Manager was absolutely unprofessional and asked why I missed the payments. My explanation was not enough. 
2nd call - to XXXX on the statement and spoke to a rep. ( with a strong accent ) she apologized and said I should not have been reported and connected me to credit division. Another rep. explained there was nothing they can do, their manager wrote " I did not pay because I had no money to my account. '' He also admitted that they do record calls but he does not have access to them3rd call - Credit division, rep. said if I would have made that partial payment before the XXXX I would not have been reported. Furthermore ; she continued to assist me with the rep ID numbers from the calls I made prior. She apologized for the miss-information I was given by the rep. in question. 

Also I tried on various occasions since XXXX to enroll in a hardship program via the XXXX provided on the statement. My income decreased, I wanted to continue making payments but needed help with lowering the interest rates. The reps. ( strong accent ) confirmed Macy 's does not participate in such programs. Well I get a letter from Macy 's responding to a BBB complaint I had submitted. Again they apologized for the inconsistency for the reps. and suggested I enroll in a program available to me if I am having financial difficulties. I called the XXXX on the statement and a lady with ( a strong accent ) said Macy 's does not have such a program. Once I referred to my letter, they placed me on hold and lady with no accent came on and was ready to help. I FINALLY found someone who would help and with professionalism. My interest rate went down to 9.99 % from the average 28 % and she changed my due date. Also min. payment was decreased. Had I received this help earlier, money would be saved with lower interest rate, it would have avoided stress and unfortunate 30-day late marking on the credit reports that I have to deal with.
The company Fair collection & outsourcing has been trying to collect on a debt for an apartment that I paid to the apartment complex, I have sent several letter to Fair collection & outsourcing asking them to send me documentation showing that I owe the debt and if they are licensed to collect in my state. I looked them up on the website in they are not licensed to collect. They have failed to comply with what I was asking. They did not update my credit report showing in dispute.
My monthly mortgage payment is {$1000.00}. For XXXX 2016, I paid {$1100.00}, an additional {$100.00} to apply to principal. Nationstar applied it to legal fee {$100.00}. When I called them about it, the 1st representative agreed to credit it back to my account. Then I was transferred to another representative who told me that I owe money for bank ruptcy. I do not owe any money for bankruptcy and they have never billed me for any legal fees owed. The problem is whenever I have paid extra money on my mortgage, it gets misapplied and they drum up charges to take my money.
I have tried to dispute the incorrect information with Transunion, but their website keeps giving me errors and they do not provide a phone number to call to dispute the information. I tried to reaccess the report online and Transunions website tells me I have to pay for it.
I chatted online with a Capital One supervisor, XXXX, today X/X/2017 at XXXX 2 screen shots of this chat is attached To ask why I was charged interest on my last 2 statements ( XX/XX/XXXX& XX/XX/XXXX ) where I had paid more than the last statement balance due. 

His response is because I did not pay in full the last statement balance for XX/XX/XXXX which was due by closing of my billing cycle XX/XX/XXXX. This is correct due to the XX/XX/XXXX holiday, I was late & payment was made on XX/XX/XXXX. 

Therefore, it is their practice to then charge me interest for 2 consecutive months regardless of paying the total last statement balance both months because they removed the standard grace period. 

Is this legal, It does not seem fair or justified and confirmation would be greatly appreciated.
Capital one will not allow me to connect and external application to my information in order to analyze my spending and service costs.
XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$350.00} I Dispute these accounts that dont belong to me and belong to someone else with the same name to the credit bureaus and the accounts still remain on file in was not deleted.
Ive recently contacted XXXX about the inaccurate reporting they have showing on my credit file asking them to remove these inaccurate alleged accounts they claim are mine. XXXX  hasnt complied with the Fair Credit Reporting Act, they have not removed these inaccurate and unproven alleged accounts. I want to make the CFPB aware of XXXX willful non compliance in case I have to move forward with a civil suit against XXXX. 

To XXXX  please delete these inaccurate accounts immediately. 

The alleged accounts are XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.