WillisBack/dataset-financial-user-claim huggingface dataset:
My credit score dropped 57 points in three months so i investgated this and found that the collection agency did not do the homework .They are saying i owe XXXX {$87.00} and i called XXXX and they said sir all you past accounts with us were paid in full and you owe nothing to XXXX.So i called the collection agency and the girl told me they do not have my social security number on the account that is owed.So i ask XXXX XXXX the collection agency supperviser how this happened and she said she did not know, I asked her to get my credit score back to were it was before the falsely acused of owing XXXX money it is someone elses social security that they are looking for not mine.The collection agency is ( SouthWest Credit Systems ) ( XXXX ) XXXX.Ask for XXXX XXXX
I was told that I would receive compensation for an NFCU credit card account that I  settled back in 2014. I contacted NFCU today and was advised by the representative to contact the CFPB in order to get that redressed check sent out to me. I 'm not sure why this was n't resolved in my previous dispute. However, it needs to be corrected ASAP. I received a redressed check for an unsecured personal loan that I settled back in XXXX 2014 for {$5600.00}, but not for the credit card which I should have received a redressed check for as well. I keep getting the run around from NFCU and nothing is being done and I keep getting rerouted back to the CFPB. The only thing I want is the money I paid to be refunded just like the other money was totaling in the amount of {$6300.00}. I 'm not sure why this matter was n't thoroughly investigated as it should have been. I will be contacting the attorney general office in regards to this unresolved issue. I had to call in about the redressed check totaling in the amount of {$5600.00} because they did n't have it in their systems saying I was supposed to receive a check. However, I did because I was supposed to just like I 'm supposed to receive that check for {$6300.00} for the other debt that was settled. I just think everything was overlooked again and should be looked through thoroughly without cutting any corners.
This is an update to Case : XXXX and XXXXCourt date was XXXX XXXX. Attorney XXXX XXXX informed me that they have done all they were obligated to do. While he agrees that this has been going on a long time, they are not obligated to notify me since I disputed the debt. XXXX, XXXX XXXX XXXX XXXX notified me of the debt collection via a letter dated XXXX XXXX, XX/XX/XXXX. In that letter I was NOT informed of the original creditor. XXXX, XXXX and XXXX did not notify me of the original creditor until a letter dated XXXX XXXX, XXXX. In addition, as of today 's date XXXX, XXXX and XXXX still have not provided ALL of the requested information in my fax to them dated XXXX XXXX, XX/XX/XXXX. 
After Attorney XXXX XXXX told me that they have no obligation to notify me and that they have done all that they are obligated to do, I asked him what where my options. He advised me to pay a lump sum on the debt or set up installment payments. As it was apparent that XXXX XXXX, as has been done before by XXXX, XXXX and XXXX, was attempting to side step the law, I asked for a continuance of the case so that I can hire an attorney. That date is now scheduled for XXXX XXXX. 

I have been advised that based on what has occurred to file complaints with the State Bar of Georgia against XXXX, XXXX and XXXX and Attorney XXXX XXXX as well as filing complaints against MSW Capital with the Governor 's Office of Consumer Protection and Federal Trade Commission. Those complaints will be completed this week. Copies of CFPB complaints will be included in the new complaints.
I called via phone to no avail ... these are all unauthorized inquiries ... and by law ; should be removed ... 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


XXXX : Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX : Unauthorized Inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :  XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Equifax : Unauthorized Inquiries XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
I sold XXXX items on eBay and the items were successfully mail with tracking and received by the buyers, PayPal placed my funds on hold for 21 business days to make sure there were no conflict with me and the buyer. My funds then were released more that a week ago and I moved a portion to my savings account with my credit union. A few days from today, PayPal placed a restriction on the remaining funds in my PayPal.com account and has provided an erroneous reason why my funds are being held and why my account blocked. I called and email PayPal customer service and they simple told my PayPal no longed want me to use their service but they are unwilling to give my my money back also. PayPal want me to give them my passport copy, my state id copy, plus back statements and I refuse to give them this information because PayPal already have my social security alone with other information about me and how I look like. I feel PayPal is practicing abusive behavior and manipulating users in order to hold their funds in PayPal rather than the user moving the funds to their banking institution.
I have tried and tried to create an account with Equifax to no avail and I checked with XXXX XXXX and saw that there is no history of credit but my XXXX  does. Is there any way I can sign up online to view my credit reports or be sent my credit reports? I am in need to see it due to lending purposes. I called and no one was able to help me about this situation. Please assist.
The XXXX had was used ran good for about 2 months after everything went bad to the point where the engine blew and they told me I had to pay XXXX XXXX for new engine could pay so they took my car and messed my credit up
Good evening CFBPB members, On or around XXXX XXXX I received an email stating that my credit report has been changed, so I went to check my scores on XXXX. It stated that my XXXX  score had dropped XXXX points! I was shocked because I worked so hard to get my score from where they were to XXXX then to see that they fell to XXXX. A collection agency called AFNI, INC. place a XXXX XXXX on my report for {$370.00}. This bill has been paid in full. I will attach a copy of the bill for CFBPB members to look at for their review.Please assist me, I had XXXX at one time but I do not use them and therefore needs this negative item removed from my credit report. I am looking to purchase a home with my family and can not have negative marks on my reports when the bank sees them. Thank you all for your support.
My balance on my XX/XX/XXXX statement was {$750.00}. 

I made payments totaling {$870.00} before the statement closed on XX/XX/XXXX. 

During this statement period I also made new charges of {$930.00}, leaving a balance of XXXX in new charges. 

My XX/XX/XXXX statement showed an interest charge of {$18.00}. I contacted cardholder services on XX/XX/XXXX to inquire about this as the statement specifically states on page 2 : " How can I Avoid Paying Interest Charges? If you pay your statement 's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. '' Since it states they would not charge me interest on any new transactions, I should not have had an interest fee. 

The representative I spoke with advised me that interest charges are delayed a month, which meant the XX/XX/XXXX interest charge was for the balance carried on to my XX/XX/XXXX statement. I accepted this and did not press further. 

When my XX/XX/XXXX became available on XX/XX/XXXX, I immediately checked it to make sure there was no interest charge, however there was. I called cardholder services and the representative I spoke with advised me that I have to have no charges carried over 2 months in a row in order to not receive an interest charge. I asked to speak with a supervisor who confirmed this as their policy. 

While I fully agree I am due to pay an interest charge for the XX/XX/XXXX to XX/XX/XXXX billing period ( my previous balance was XXXX including the interest charge in debate and my payments were {$660.00} ) because I had a month where I paid my previous balance in full, I should have had a month where I did not have an interest charge.
My friends and I were visitng XXXX and purchased gemstones from a jewler on XX/XX/XXXX and XXXX 2017. We were assured that they were mined, processed, and genuine gemstones guaranteed by the government of XXXX. We were also told by the store manager that if we did not find the stones to be of gem quality, they could be returned for a full refund. We had those stones evaluated by two independent jewlers and they were found to be pieces of glass instead of gemstones. Since then we have returned the " gemstones '' by XXXX to the vendor and have confirmation that the store received the merchandise. Some of my friends, who also made purchases, have had their charges reversed by their banks. I have enclosed one such letter stating this fact. Somehow my bank ( Chase ) is finding it hard to understand that fake glass does not cost thousands of dollars and they should not charge for merchandise that has already been returned. XX/XX/XXXX- {$4500.00} Copy of correspondence with the bank is enclosed.
I files a previous complaint against loandepot in which they lied in their response. 

I have continaully followed up for the result fo the incvestigation promised into the phony appraisal they recieved.. 

In addition they claim to have offered me a loan. Whatthey negelect to mention is I had to pay substantial fees resulting in their illegal false promises and inability to a. ) close byu the time the promised in writing. and b. ) the loan was in no way what I applied for, was promised or needed. Instead it increased their fees, left me with damaged credit, and was unrealistic as well as a breach of fiduciary duty given they committed to the loan then dropped it -- then lied, then took 6 months to sort it out ;. 

I have asked over and opver for them to provide me the result of the investigation into the apprasiser and they refuse to answer. II have concrete proof that id irrefutable that I am correct and the " appriaiser '' never set foot in the house..
In XXXX of XXXX, I cancelled XXXX and returned the recording box. I was charged for services I did not receive and for the box that I returned. Now, there are 2 debt collecting companies recording this debt falsley on my credit reports.
XXXX XXXX XXXX line of credit of {$50000.00} with balloon payment due in XXXX, 2015. Requested modification of the loan to pay back principal plus interest. Completed all paperwork but was then transferred from the then current XXXX XXXX XXXX to SLS Loan Servicing. I completed the necessary paperwork again with SLS and they continued to indicate incomplete processing and duplicate requests for the same documents over and over one document at a time. This continued for the next 8 months. I was finally denied modification, but was encouraged to complete modification paperwork again. I then completed a third set of paperwork At no time during these 8 months was I ever told by any SLS representative that the loan was not eligible for modification. In the meantime, behind the scenes SLS had begun foreclosure proceedings as early as XXXX of 2015. I found that out when I was charged for an inspection of my property. I completed a third set of paperwork, SLS claimed it was incomplete and was denied. They then proceeded with foreclosure. My primary mortgage is with XXXX and has never been late. Also, during the time the line of credit was open, those payments were also never late. SLS has now marked my credit and has made it almost impossible for me to refinance the loan. Had I been told back in XXXX of 2015 that the loan was not eligible for modification, I may have been able to refinance the loan and would have avoided the unnecessary foreclosure proceedings that followed. They basically wasted my time all these months and accrued unnecessary interest. There are so many complaints out there against this servicer for similar improper procedures. In order for the problem to vanish, I had to withdraw the funds from my IRA to pay off the loan with interest and about {$3000.00} in foreclosure fees. I appeared at a foreclosure conference and the mediator in fact agreed these practices were unjust and ordered the attorney to adjust some of the fees. I was never contacted by counsel for the bank about foreclosure until the day I was served papers. The mediator was angered at the practices of SLS and the law firm and indicated that a reversal of interest could ensue. Now I am told that the dismissal of the foreclosure action can take another few months, even though the loan is fully paid. Someone has to stop SLS and protect consumers from these scamming tactics they employ.
I am writing a formal complaint against Homestead Funding Corporation and XXXX. I closed on my home through a VA XXXX on XXXX XXXX, XXXX, through Homestead Funding Corporation ( HFC ). HFC started using XXXX for servicing payments on my loan without notifying me in advance. I continued making payments on my mortgage. On XXXX XXXX, XXXX, I received a call randomly asking me where I want my payments for my mortgage. The caller claims her name is " XXXX '' and represents Homestead Funding Corporation. I voice that the call sounds like a phishing attempt as I have never received a call like this. XXXX threatens to return my payments without applying them to the loan. I voice my disagreement with her actions & voice my concerns that returning payments I have made on the loan without applying those payments to the mortgage sets a dangerous precedent. I asked to speak with XXXX 's supervisor, and she refused that request as well. I called XXXX later to confirm that my payments were being applied to the mortgage. A XXXX XXXX employee confirmed this information later that day. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that my loan is being transferred from Homestead Funding Corporation. XXXX 's letter makes no mention of XXXX XXXX, leading me to believe it is a phishing attempt. Also, XXXX XXXX, XXXX, I made a call to XXXX XXXX to discuss why a XXXX XXXX employee threatened to return payments and refused to get a supervisor on the phone during our call. The supervisor I spoke with confirmed " XXXX '' made the call on XXXX XXXX, XXXX, and confirmed he would review the XXXX XXXX phonecall. I asked what relationship XXXX has to XXXX. The supervisor confirmed that XXXX has a relationship to XXXX and confirmed that my loan was being transferred. I reminded the Supervisor that mortgage servicers are required to provide written notice at least 15 days before the effective date of the transfer. The supervisor retorted that the letters were sent out prior to the weekend and thus meet the 15 day requirement. The supervisor at XXXX did not have an answer for why I had received a notice of transfer from XXXX dated XXXX XXXX, XXXX, and yet XXXX failed to meet that 15 day deadline. In summary, my complaint names Homestead Funding Corporation, XXXX, and XXXX. My concern with XXXX is that my VA Loan is being set up to fail by a mortgage servicer with numerous complaints and XXXX ( XXXX ) star reviews on numerous websites. Finally, the pattern exhibited in my complaint consists of Homestead Funding Corporation and XXXX ignoring the laws set by RESPA and the FDCPA and failing to meet the requirements of providing written notice within the set timeframe.
I had made a cash deposit at a Bank of America ATM using my Bank of America debit card. This cash deposit amount was  XXXX  on  XXXX / XXXX /  XXXX  . I was depositing this cash to my Bank of America checking account. I immediately noticed there was an error with the transaction only after inserting my cash into the ATM. I had been given no opportunity to cancel and/or confirm the cash deposit amount of {$460.00}. Instead, my debit card had immediately been ejected along with a receipt showing incorrect transaction information. The amount on this receipt was {$17.00}. Clearly something went horribly wrong. I notified the bank and filed a claim immediately. I was told by a representive of Bank of America who was reviewing my claim that the ATM had indeed been experiencing hardware issues and was in fact malfunctioning on   XXXX    . However they would not admit any responsibility. They would not acknowledge the possibility that this " malfunctioning '' Bank of America ATM had malfunctioned when it erroneously calculated my cash deposit of {$460.00} for the incorrect amount of {$17.00} on  XX/XX/17   . I attempted to resolve within the financial institution having complete confidence knowing I am the victim and that they would honestly investigate this transaction and return the cash. Bank of America would not correct this ATM transaction at all and the customer service representatives handling the claim would treat me horribly when speaking over the phone.
On  XXXX   XXXX ,   XXXX  , I have started receiving BLOCKED CALLS at my JOB from Th e Delta Management  company, a collection agency working on behalf of ASA. The lady left voice mails for me to contact them.     I began receiving at leas t 3 calls per day. I do not answer blocked calls at work. This has caused a lot of mental anguish to me and my supervisor monitors my calls to where this may  cause me problems with my employer.     I reported the name and number left on the voicemail to the DO NOT CALL website.
I deposited a check from a law firm in the amount of {$120000.00} into a Suntrust branch for the amount of {$120000.00} on XXXX/XXXX/XXXX. I was told by the teller it might go in my checking account that evening but it could take a day or so to clear since it was such a large amount. The next morning my account showed the credit, but by mid-morning Suntrust had put a five-day hold on the funds until XXXX/XXXX/XXXX. 
I contacted Suntrust and found their Customer Service extremely rude and unprofessional. I told them that I did not understand why they needed to hold the funds for an entire week if the check had cleared. I spoke to several managers and they refused to budge on this issue, although I had been a Suntrust client since XX/XX/XXXX. 
This is not the first time I have had problems with Suntrust holding large sums of my money. Just two weeks ago I called in advance to Suntrust advising them I would be using my debit card to make a large purchase of {$14000.00} to alert them so it would go through. What ended up happening it went though on Suntrust 's end but not the vendor 's end so my {$14000.00} was debited from my checking account but not credited to the vendor so he could not release the merchandise but my money was gone. This happened on another occasion as well, so I am increasingly concerned about Suntrust 's ethics and using my money for personal gain. 
I have read through other people 's problems with Suntrust but there does n't seem to be much resolution on the part of CFPB. Where else can one go for help with corrupt banks?
I have 2 companies on my Transunion Report that I did not authorize to do any inquiry on my credit report. One was XXXX XXXX and the Other XXXX XXXX XXXX. These have been on my report since 2015. I have asked Transunion to delete to no avail.
Hello, On Friday, XX/XX/XXXX I received a voicemail message regarding a pending collection. I returned the call and was told by a man by the name of XXXX XXXX that I had an outstanding credit card balance from XX/XX/XXXX with CITIBANK and the statutes of limitations runs out in XX/XX/XXXX. He was calling as a courtesy to help me settle the debt before I got sued. He proceeded to ask me if I had been served papers yet. When I responded no he went in to negotiations. He said the debt was {$15000.00} but he would settle for 50 %. When I explained I didnt have that kind of money he began to threaten me and some of my assets, being 2 car loans. He even knew the 2nd person on one of my loans. He threatened to put a judgment on my house also. This was very frightening and I began to try to figure out what to do. He agreed to a settlement amount of {$2000.00} and gave me 1 hour to  come up with the money. He put me on hold pretending to speak to a manager to approve the {$2000.00}. He then insisted on a debit/credit card number to hold the file open and said it would not be charged until I called back within the hour to let him know the funds were there. 

As crazy as all this sounds, I went through a divorce in XX/XX/XXXX and was left with a lot of debt that I slowly worked through. I really wasnt clear if I had this debt. After speaking to my significant other, I called CITIBANK and was assured that there was no outstanding balance, the account had not been sold and I made my last payment to them of {$1000.00} in XX/XX/XXXX. I tried to confirm the credit card number that XXXX XXXX referenced and Citibank had no record of me having a card with that number. CITIBANK is sending me a letter of good standings. I began to do some research on the company XXXX ( XXXX XXXX XXXX XXXX ) and found XXXX had several fraudulent complaints. When I called several of the numbers back for XXXX   and got different people I began to ask questions regarding address and such. They would not provide me with anything other than an address which I found out is in a XXXX store. XXXX XXXX then called back and left a message that my account and phone number had been flagged because all my calls and they were opening my file again and going to proceed. He said he would contact my employer ( and stated employer name ) or wage garnishment. When I called back to remove any consent or debit to my account he was very nasty and said I cant wait to see you in court. 

I feel very stuck, because I believe all this to be fake, but his threats seemed very real. How do I proceed from here? Is there anything I can do to clarify real vs fake or how they got all my personal information? Below I will list all the numbers and addresses I have for them. Please advise moving forward. I appreciate your prompt attention to this delicate matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Ext XXXX ( hangs up on this line when you press ext. ) XXXX