WillisBack/dataset-financial-user-claim huggingface dataset:
IC Systems in XXXX XXXX, MN has continued to call my business phone for 4 years. The company asks for a XXXX and I have repeatedly told them there is no XXXX here. Several time I tried to explain and the caller would hang or say my number will be removed. But it has not. My most recent call was today XX/XX/XXXX at XXXX. I spoke with manager XXXX XXXX. She claimed she will remove my number but I do not believe her. This is my business and IC System calling prevents my clients and potential clients from getting in contact with me. Its harassment and its causing my business to suffer.
i am sending paying to my mortgage company they keep returning it this is the second time stating i am 90 days behind while i am trying to resolve the problem
Experian conducted an investigation on an item that was filed in error by the XXXX, and after Experian was notified of the item being filed in error, and subsequently rescinded by the XXXX they still left it on my credit file. When asked who verified the item, the customer service representative told me that they did not have to share any information about whom the item was verified through, which is in direct violation of the Fair Credit Act.
I was contacted by Medical Business Bureau concerning a past due medical bill. I paid a settlment ammount then instructed this company to please report this as paid in full to the credit bureaus. Instead they reported a lesser amount resulting in this paid bill remaining on my reports. Today is XX/XX/XXXX 2017 this was paid 6-8 weeks ago. I 've contacted this company to report this correctly to no avail.
This is my second time trying to fix a error on my credit report. Experian has a account on my credit report 3 times same account numbers also account XXXX account number XXXX. That is a violation of FCRA please help me fix is error. Enclose is proof.
I was twice charged {$34.00} for overdrafts that were less than {$10.00}, so for over drafting {$18.00}, I was charged {$68.00}. Chase Bank would not waive the fees because they had given me a courtesy credit within the past year. This is outragegous. I understand from XXXX 's book The Unbanking of America that banks make a lot of their money charging people who can least afford it exhorbinant fees.
My complaint is about AES. They have continuously refused to take my husbands name off of this loan and have ruined his credit. He sent them forms last year saying that he did n't co-sign on this loan. I 'm XXXX and am not working right now. I wo n't be able to work for the foreseeable future, and still need several surgeries. I 've called and written them numerous times about working with me on an affordable payment. They lowered my payment to XXXX, then suddenly doubled it for no reason. Now they refuse to work with me at all. They have n't sent me a bill since XX/XX/XXXX, and are now saying I 'm over 60 days late. I thought they discharged my loan due to my XXXX. I have no idea why they wo n't work with me or discharge this loan. My other student loans were discharged due to my XXXX. I ca n't afford to make these payments since I do n't have an income. I do n't even recall taking out this loan, and would like proof that I actually applied for this loan.
Hello. I am writing to express my concern about a student loan forgiveness program I qualified for. Navient denied my student loan forgiveness form. My District signed it and I qualified for {$17000.00}. I have been XXXX 20 years and am very upset to see my time does not matter. I have struggled and needed to place my loans in forbearance and deferment for quite some time. I filed bankruptcy in 2014. If you could please help me get back on track, I would greatly appreciate it. Thanks so much. 
XXXX XXXX
For the fourth time, XXXX XXXX XXXX XXXX has given my identity and private information to another collecting agency. I have solved disputes due to collecting agencies ' and XXXX XXXX XXXX XXXX 's failure to verify debt. 

On XXXX XXXX, XXXX, I received a letter from Phoenix Financial Services LLC demanding XXXX dollars. 

The account number is XXXX, Creditor Account Number is XXXX, Original Creditor is XXXX XXXX XXXX XXXX and date of alleged service is XXXX/XXXX/XXXX. The letter informs that XXXX XXXX XXXXXXXX XXXX XXXX, current creditor, purchased the account and has placed the account with Phoenix Financial Services LLC for collection. 

So, for the fourth time I do not owe such debt because I never received such services. 
I am disputing the above-referenced debt. Please verify this debt as required by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Section XXXX ) and New York City Administrative Code ( section XXXX ). New York City regulations require all debt collectors to send specific written documentation verifying the debt. Under section XXXX of the Rules of the City of New York, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, I AM A VICTIM OF IDENTITY THEFT and according to the information you sent me I never received such service for which Im being charged in the first place. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported this debt to the credit reporting agencies PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the XXXX and the XXXX XXXX XXXX XXXX 
Aside from verifying the debt, do not contact me about this debt. The XXXX and Rules of the City of New York ( section XXXX ) require that you honor this request. Thank you.
My husband has died and I am filing bankruptcy because of all his bills and other bills. 
Under the guidance of my bankruptcy lawyer i was told to just continue along with the mortgage payments and keep them all paid! As I have done! The finance company NEVER sent billings about 7mo after he died, i just kept paying them on the account number i had on the billings, even after billings stopped! I never received ANY mailings from them WHAT SO EVER! In the mean time I have signed the bankruptcy papers but NOT gone to court yet. Then I take it upon my self in good faith to call the finance co to see where the account stands, only to be told the account is now behind 3 months! And because I am not authorized with out being the Executor on the account they cant talk to me! So now not only do I have XXXX payments missing on their end now it will cost me {$260.00} to file for executor. They told me they cant even talk to my lawyer! And XXXX XXXX XXXX day after TRYING to get somewhere with them I RECEIVE ( XXXX ) mailings form them ALL saying the account is in default and NOW THEY want their money OR I WILL be OUT! I WANT to find out where my PAYMENTS went to! My bank verified the checks HAVE been cashed each month on the finance company 's end!!!! I have paid for yEARS to this ACCOUNT number,, but they HAVE another number I should of paid to! BUT NO NOTICES of this change ever came!! I am out my XXXX payments of over {$800.00} PLUS now court cost AND lawyer referral charges to try to get help, plus a stop payment on my next payment i WILL NOT send because they LOST the last XXXX!! And NOW I KNOW they WILL hit me with late and penalty charges and who knows what else! I live on a {$810.00} per month SS check! I find what they ARE doing IS HARASSMENT plan and simple! they have forwarded this loan unto a collection division!
TransUnion has been negligent by willfully violating the Fair Credit Reporting Act ( FCRA ) by not conducting the re-investigation of my disputed information before the end of the 30-day period from the date they received my dispute on XX/XX/2016 and failed to properly verify the disputed information with the XXXX Recorder of Deeds. Please note that under the FCRA sectiXXXX XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) TransUnion had a 30-day period from the date they received my dispute to verify and properly re-investigate the disputed information in question. 
This dispute pertains to my letter dated XX/XX/2016 in which I requested TransUnion to validate the state tax lien in the amount of {$2500.00} being reported on my credit report. TransUnion received my letter via certified mail on XX/XX/2016 and failed to respond to my request. I submitted a second letter via certified mail dated XX/XX/2016 informing TransUnion of their failure to respond to my letter on XX/XX/2016 about the inaccuracy they were reporting on my credit report regarding the state tax lien. I made them aware that federal law required them to respond within 30 days of receipt of my dispute. Not only did they violate the federal law under the Fair Credit Reporting Act, but also failed to respond to my dispute or provide me with any viable evidence, bearing my signature, showing the account is being reported accurately. This letter was received on their end on XX/XX/2016. 
On XX/XX/2016 I contacted the XXXX Recorded of Deeds office at the phone number listed on my TransUnion credit report to validate the information myself. Not only did they inform me that I do not have a state tax lien, but also that the XXXX County Recorder of Deeds does not report liens to the credit bureaus nor verify the information reported is accurate. 
Once again, I wrote to TransUnion via certified mail on XX/XX/2016 making them aware of the information the XXXX Recorder of Deeds had provided me with. I requested that they remove such entry from my credit file as it was being reported in error on their end and they were in violation of the FCRA, as they have not responded to my dispute as required within the 30-day period of receipt of my original dispute. 
On XX/XX/2016, I received a letter from TransUnion stating they had verified the information I was disputing since the beginning of XX/XX/2016. They did not provide any information regarding how, when, where, or with whom they had validated the disputed information which had been requested from them on multiple occasions. 
You will be able to verify with the attached documentation that TransUnion has not only willfully violated the FCRA but has been negligent in validating the disputed information.
Sold my debt ( in their words transferred ) to third party company. Did not contact me to notify me of change. When contacted to find out why I was not able to pay my bill online, XXXX XXXX was extremely rude, unprofessional and disrespectful upon me inquiring about the companies failure to communicate details of my account being transferred. He insisted on informing me that it was the new companies responsibility to contact me in reference to the change. Upon calling back to speak with XXXX XXXX, the receptionist XXXX was just as hostile and rude as XXXX and even refused to give me the address of the company and information related to my account. Ive dealt with this company for over a year and its been the a constant aggressive disrespectful culture across their company with zero ethics. My original account representative XXXX XXXX XXXX displayed the same unprofessional tactics as the individuals listed above. I reported her to management in 2016.
XXXX   XXXX   (   XXXX   XXXX     )  Executor of the Estate of  XXXX   XXXX   XXXX  has engaged  XXXX   XXXX  of   XXXX   XXXX   XXXX   XXXX  , as her official housing counselor to submit this complaint on her behalf.     XXXX   XXXX   refinance with  Chase Manhattan w ho secure an instrument on her property located at  XXXX   XXXX   XXXX   XXXX   XXXX  in the amount of {$60000.00} on  XXXX .  Chase Home Finance LLC ( CHASE )  allegedly became either server or trustee, unfortunate we can not identify which posi tion Chase had t itle because there were no filing or recorded assignment of mortgage on file. We declare that a foreclosure was file on  XX/XX/XXXX  b y Chase Manhattan.   During this time,   XXXX   XXXX   was actively making her mortgage payments while the foreclosure was proceeding. Her monthly payments starting from  XXXX  until  XXXX  which means that she was current. During the foreclosure,  Chase Manhatta n filed a fraudulent assignment of mortgage to the  XXXX   XXXX   XXXX   XXXX .  Chase Manhattan  merged with  JP Morgan Chase  after they were shut down in   XXXX   XXXX  . They intentionally proceed with this illegal foreclosure transaction under  Chase Manhattan.  A judicial deed was recorded  XX/XX/XXXX  address to  XXXX   XXXX   XXXX   XXXX  stating that  JP Morgan Chase  convey to    XXXX   XXXX  . Once again there are on recorded documents claiming any of the stated mortgagee name as owners of said property. After the closing of  Chase Manhattan  failure in  XXXX  there were never any Assignment of Mortgage recorded conveying the property.   XXXX   XXXX   has challenged the courts informing them that she was making her mortgage payments and could not understand why she was in foreclosure she had no idea where her payments where been applied. She has contact all the government agency to inform them of this intentionally fraudulent transaction.
I have had a Best Buy card for about three to four years now. I have never had an issue with any of my credit cards before, ever. I barely use this card and I just happened to use it this year for a large purchase. I also happen to be buying my first home this year as well.
In  XXXX  there was a payment of {$45.00} due for my Best Buy card, which I paid, but in  XXXX  I received a 30 day late on my credit report. I was told it was because the actual payment was {$10.00} off and that 's why it 's late. I explained that the online payment said {$45.00} so that 's what I paid. I always go by the minimum amount or I pay more. I never pay less, I always go by what 's required. Why would I pay {$45.00} and not {$55.00}, that just does n't make any sense. Especially when my credit is immaculate and I 'm in the process of buying a home?
The fact that it was reported to the credit agencies to begin with for {$10.00} is beyond me but everyone has a job to do right?
I was also never notified or mailed about anything wrong with my payment. Based on this discrepancy I wanted this to be removed because it could 've been a glitch or error on Best Buy 's website and an error on Best Buy for not reaching out to me for something as important as this? No phone calls, voicemails or mailings? Even if it was a mistake on my part, which it was n't, we all have lives, we have kids, dogs, homes, responsibilities, other bills, these things happen. I was even willing to go on autopay so something like this does n't occur again in the future.
I take this very seriously and I understand creditors want their money. But just like they 're taking my money they can also understand that these things can happen. I 've been a loyal customer and I did not feel like I was treated reasonably by the reps I spoke to over the phone or via chat which is why I 'm escalating the matter. In the end a late reporting only affects one person, the company is still receiving their money and their employees are still getting paid.
On XX/XX/XXXX I contacted Transunion about inquires on my credit report that I did not make. The representative would not assist and take care of the negative inquires reporting on my credit report. 

I am requesting all of these inquires to be deleted. 
-XXXX  XXXX XXXX XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I have a couple inquiries I did n't authorized showing on my credit report, It wo n't let me dispute them online. One is an XXXX inquiry from XX/XX/XXXX and another is XXXX XXXX from XX/XX/XXXX. Please remove these inquiries as soon as possible. Thanks
I had opened a savings account in college that waived various fees because I was a full time student and under the age requirements. A couple of years after college my account automatically switched to a different/default choice of savings account without : a formal notification to me, a choice or preference in the type of account I was going to transfer to, providing a clear explanation of the new terms of that account. These new account terms changed a couple months after I was legally married and my husband XXXX. I began to accrue monthly maintenance fees within the first XXXX months and now have totaled over XXXX months and draining my account.
I submitted a previous complaint against tidewater finance for false credit reporting they responded back stating that they are reporting accurately and that the account on my credit was not reflecting open and had been closed and charged off since XXXX/XXXX/XXXX however the current reporting on my credit shows that the account was closed XXXX/XXXX/XXXX agar my complaint that was filed in XXXX XXXX. They falsley claimed that they did a thorough investigation and are reporting correctly. I have attached a copy of the current reporting showing that the account was recently closed after I made a complaint as well as the response they wrote certifying there accuracy.
I signed up for email notifications with ACS. ACS agreed to provide me with email notifications when payments were due. ACS provided me a notification of a payment due on XXXX XXXX, 2015. From that point forward, I did not receive any notification from ACS of any payments due until approximately XXXX XXXX, 2015. On approximately XXXX XXXX, 2015, I received a phone call from ACS informing me that my account was severely past due. I asked how this could be, because I had not received any email notifications. I made a payment to bring my account current. Because I had not received any payment notifications from ACS in several months, it was my understanding either that my account was on auto-pay, or, that my account was otherwise in good standing. 

In my view, this constitutes a deceptive and unfair trade practice. It is deceptive for ACS to offer an " email notification '' option, wherein it represents that it will send a borrower email notifications when payments are due, and then not honor that representation. 

I understand how busy the CFPB is and I understand that you have many more compelling cases to consider. However, I believe that this merits investigation. To put it simply : A few months ago, I had a credit score of XXXX. I was going to buy my first house XX/XX/XXXX. I just pulled my credit report tonight and saw that, as a result of this ACS situation, my credit has collapsed to XXXX ( lower on certain reports ). This is devastating.
Wells Fargo Bank Attn : XXXX, Texas XXXX XXXX Wells Fargo Bank Corporate XXXX, CA XXXX XXXX Re : XXXX, Estate of XXXX, Account no. XXXX Dear XXXX, On XX/XX/XXXX, my son XXXX opened what he was told was an estate account with your XXXX, Texas branch, XXXX, TX XXXX. After making several deposits and withdraws from said account, someone within your organization on XX/XX/XXXX discovered that the account was mistakenly opened by a branch representative from said branch, as a business account ; the result of said discovery lead to your organization freezing all account assets, totaling {$4800.00} ( please see attached bank statement ) On XX/XX/XXXX, your organization decided to close the account without ever notifying my son and or me. To this date [ XX/XX/XXXX ] we have never received the remaining funds in the account, nor were the funds returned to the bank they were collected from via deposits made to your bank. We have not received any explanation from your organization, other than an account named, " Estate of XXXX '' was mistakenly opened as a business rather than an estate account. 
During the past two years I have received nothing but lies from people in your organization, including the XXXX branch manager, XXXX. You are illegally holding money that belongs to the Estate of XXXX-my wife and XXXX mother. 
Despite numerous letters to your organization, we have received nothing but lies, including being told that your organization had no record of the account to the most recent lie, when I was lied to by XXXX 11 days ago that you would be " sending me a letter within 3-4 days. '' You are hereby notified that you have 72 hours to return our money, {$4800.00}. Your organizations prevarications and refusing to return funds that do not belong to your organization, will no longer be tolerated. Be assured that we are willing to go to whatever must be done to both receive the money you owe us and punish your organization for your dishonest business practices. 

Sincerely, XXXX, Texas XXXX XXXX XXXX
I have no knowledge of this debt nor the company who 's trying to collect on it. I receive a copy of my free annual report an that 's I I notice this negative idea that 's bring my score down tremendously!
called ocwen loan servicing after receiving notice mortgage going up {$40.00} per month amount requested for escrow was {$470.00} i sent {$570.00} mortgage still went up asked what amount i could sent to keep mortgage same as it was {$730.00} no one answers question calledXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX.spoke to same person5 times names given XXXX XXXX XXXX  ( male ) XXXX said continue paying original amount i asked for written statement saying that have not received anything.i now have surplus in escrow. i just want to know money needed to keep mortgage sameXXXX i'm just getting run around
My name is XXXX XXXX XXXX XXXX and I opened a Wells Fargo Credit card back in XXXX of 2015. As of XXXX this year the bank had not reported any of payment activities to the credit bureau contrary to their credit reporting policy which states that they need to report all accounts on a monthly basis. 
I 'm trying to accomplish a credit history using this Credit card and as result of their deceptive and unfair business practices I 'm not able to do. I reached to Wells Fargo by phone, in writing and even went to the branch and worked with a banker to resolve the issue but it remained uncorrected.
I signed up for a public offer for an American Express Platinum card on XXXX/XXXX/2016. The terms of that agreement I signed up for stated that if I spent {$3000.00} within 3 months, I would be awarded XXXX Membership Reward Points. I satisfied the terms of this agreement and was awarded the XXXX points as of XXXX/XXXX/2016. 

However, as of XXXX/XXXX/2016 I am unable to freely transfer these available points to a frequent flyer program in order to book an upcoming flight. AMEX has deliberately frozen my account and is in violation of the agreement that allows me to redeem my available points at will, so long as my account is in good standing.
Notified Capital One several times that my account information with them for XXXX credit card is not being reported to XXXX They do n't seem to care alot! XXXX told me that Capital One told them to delete the account information.
I discovered I was a victim of Identity Theft, and that Fraudulent accounts had been opened in my name.On XX/XX/2018 I notified the three credit bureaus of XXXX, XXXX, and XXXX, I placed a credit freeze and fraud alert on my file, I reported to the FTC along with XXXX   MASTERCARD  among others.XXXX  MASTERCARD  investigators established the account was verified accurate and kept active, and refused to correspond with me.