WillisBack/dataset-financial-user-claim huggingface dataset:
I keep getting calls from an automated number. They are from Credit Protection XXXX and they provide XXXX different phone numbers to contact them in the same message. They also provide a verification ID number to refer to. I have attempted to call XXXX numbers to tell them they have the wrong number and to stop calling me, but XXXX numbers are completely automated, and you can not reach a real human to talk with. You can push numbers to remove your number, but it does n't work. You can not leave a message and must have your account number. This is not my debt and I want them to stop calling my home number.
We paid our re-financed mortgage off almost a year ago, got a letter of pay off and was told we would get a lien release mailed. No lien release has happened. CitiMortgage tells us when we call, that the account has closed. We need our lien release!
There are XXXX ficticious medical bill charges on my credit reports that were illegally placed there by a company called Commonwealth Financial in an attempt to extort money from me by damaging my credit. This is in violation of FCRA laws XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$53.00} By placing XXXX separate charges on my account, they are deliberately attempting to damage my credit further than if they 'd placed a single charge. I have contacted Commonwealth and they were unable to provide any proof that these charges are real and valid. 

I asked the representative that I spoke to at Commonwealth if these were the hospital emergency room visits that my wife and I made after being hit by a drunk driver ( all medical bills were paid by XXXX XXXX XXXX XXXX XXXX ). Strangely enough, she told me that these were not emergency room visits, but rather 'physician bills '. 

In actuality, XXXX ' ( sometimes listed as XXXX XXXX XXXX XXXX XXXX ) is a fake agency and Commonwealth is known for illegally reporting these fake charges on random credit reports. They always list the charges at least twice, in an attempt to create 'panic ' in the victim and get them to pay faster. 

If the charges are successfully disputed off, Commonwealth will start placing random amounts as many as eight times on a credit report to exact 'revenge '. 

Case number : XXXX is an incident that happened to my wife, where Commonwealth had placed XXXX fake charges on her report. 

XXXX XXXX of Commonwealth Financial acknowledged that the charges were indeed fake and has promised a deletion update to my credit report, however this has not been done. She claimed to offer a deletion only to close the last case. I have not received a valid bill, I have not received an explanation and the charges are still on my account. 

I attempted to call Commonwealth Financial Systems again and I discovered that they blocked my telephone number : XXXX. How in the world are they attempting to collect debts or resolve erroneous information if they block the telephone numbers of people trying to call them? That seems a little suspicious. 

What Commonwealth Financial is doing is illegal and I would like to follow up to ensure that they are prosecuted. Meanwhile, I am pursuing a civil case against Commonwealth Financial as well.
In selling my house, the buyer was getting financing through Wells Fargo Home Mortgage Wells Fargo delayed the closing at XXXX the day before closing because " they needed more time '', with no explanation as to what the hold up was or any idea of how long things would be delayed. They had communicated the week before to the buyer that things would be on time. Subsequent calls and emails to try and get details or information went unanswered and unreturned. I 've called and emailed the loan officer, his boss and his bosses assistant with no answer, reply or call back. 

The Loan Officer involved in XXXX XXXX XXXX ( XXXX ) and his boss is XXXX XXXX ( XXXX ) I understand closings get delayed at times, but the combination of the last minute notification, no information and no follow-up from multiple parties at Wells Fargo is unacceptable and unprofessional. I will incur an estimated additional {$500.00} in moving expenses alone due to the delay in closing.
diversified consultants is collecting for XXXX. acct was back in XXXX I had no service or signal so I purchased air wave equipment to obtain signal. XXXX stated I needed a secondary line to connect the equioment. XXXX denied me access saying my account was not eligible. XXXX failed to provide a signal that would allow me to reach any service, therefore I canceled my account. I do no know what charges could of created such a high balance of XXXX I am not liable for any termination fees as XXXX breached their own contract. I am unable to obtain records since my account is inactive status. diversified is only a middle man however such disputed verified acct is damaging my credit and they refused to remove it. this account is also past statute reporting and was illegally reaged.
XXXX XXXX XXXX Potentially Negative potentially negative icon show account button XXXX Account Number {$400.00} Balance XX/XX/XXXX Date Opened Collection account. {$400.00} past due as of XX/XX/XXXX. 

Status
Due to personal reasons, I chose to end my relationship with USAA back in XXXX and closed all open accounts that I had with them. I continually receive letters from USAA regarding their privacy practices and my personal information they are storing on their computer file systems. I called to " opt out '' of their privacy sharing practices and requested to have all of my personal data deleted from their file systems. The USAA representatives say they can not comply with my requests because I do not have any accounts, and therefore, they are unable to verify my identity. 
I know that I have rights concerning companies who store secret dossier 's consisting of my sensitive personal data without my permission, and a large bank like USAA is no exception to the law. 
My old USAA member number was XXXX
I have a loan for a heating/air conditioning system I purchased in which XXXX XXXX XXXX XXXX XXXX ( to be referred to as Wells Fargo going forward ) was the financing source. The company I purchased thru was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several month 's later we had Hurricane Irma come thru XXXX, Fla. and I was impacted financially by the storm enough that I called Wells Fargo to get relief on not making the $ XXXX monthly payment for at least 1 month. The customer service person on the phone with Wells Fargo stated she would put the request in and advised it would take approx. 60 days to get an answer. I told her to note I would not be making that month 's payment. 
I thought that answer was rather odd, so I called a few days later and spoke with another customer service rep. at Wells Fargo and pretty much had that information confirmed. 
I received a letter from Wells Fargo approx. XXXX XXXX ( after I had made that month 's payment ) that stated they were giving me a 3 month suspension on my payment. ( letter is attached ). 
The verbiage is as follows : This letter confirms our agreement to suspend your monthly minimum payment on the above-referenced credit card account for a period of 3 months. Your next payment will be due on XXXX XXXX. 
During the 3-month period : Your minimum payment due will be suspended Late fees will not be assessed Credit Bureau report updates for your account will be submitted to reflect this relief period. 
Interest will not accrue or be assessed. 

I get my billing due for XXXX XXXX and to my surprise they are requiring a {$230.00} minimum payment and had also charged interest of {$42.00}. 
This does not back up what the letter stated. 
I called customer service on 2 occasions and neither agent had a clue what I was talking about. 
I also called 4 times, XXXX XXXX ( she signed the letter of suspension of payment ), and to date I have not had a requested return call or email response. 
This whole situation is, I fear, going to open up a whole big can of worms with late fees being assessed and derogatory remarks put on my credit report, all for a Wells Fargo screw up. It seems one hand does not know what the other is doing and I need the CFPBs help. 
I will be making my minimum payment of {$140.00} on XXXX XXXX as agreed from my original contract. Who knows what actions this will start so I want to get this under control before it gets out of hand. 

AS AN ADDED NOTE, I WORK FOR THE XXXX in the XXXX XXXX XXXX.
XX/XX/18 - Attempted unauthorized money transfer from my checking account. There was no information given to me regarding this activity from any personnel ( customer service, fraud department or otherwise ) at bank of america. I have called them several times and asked to have access to my account, and not a single person will give me access without going into a bank of america branch location. Currently, in the state of Idaho, I have to drive 7 hours to the nearest branch location in-state, or travel out of state in order to find a branch that is closer to me, which is 5 hours. I can not spend 10 hours of my day driving to and from a bank location just to have access to my account. In addition, bank of america has multiple  factors of security to authenticate someone when they log into their accounts. The activity that happened requires someone knowing my information that is written down on paper and not stored on a computer, and therefore there is no way for an anonymous person outside of my state to have stolen my information and been able to log into my account online or on a phone without hacking the bank of america website. In order for me to log into my account online, I have a username and password, and security questions and a second-factor code that is sent to my phone so I can log in. On the phone, I have a face-id application as well. This is completely outrageous and should be compensated for this grievous inconvenience.
Applied for a loan modification back in XX/XX/XXXX, loan representive at the time was XXXX XXXX. I was told by XXXX XXXX back in XX/XX/XXXX that the loan modification was approved and that I would be receiving a package by fed ex to go over the terms. At that time I ask XXXX XXXX about the late payments he stated as long as I am under review for a modification the late payments is not a issue. Here it is XX/XX/XXXX never received the fed ex package with the so call terms. I 've been calling since XX/XX/XXXX trying to get an answer and I have n't as of yet ( XX/XX/XXXX ). This really bothers me been that foreclosure is very high in Florida. I need to know the status of this loan if I qualify for the modification or not. My plans are to keep this home but I definitely do n't want to get so far behind where I see there is no way to catch up. This loan was bought from XXXX back in XX/XX/XXXX, I actually was under a loan modification review with XXXX when this loan was transferred. BSI Financial Service has been giving me the run arounds since day XXXX, now I 'm told by XXXX XXXX that the representive I had XXXX XXXX is no longer with the company and that she ( XXXX XXXX ) will be my representive, not to my surprise XXXX XXXX states she can not find the loan modification package that was sent to my previous representive XXXX XXXX. To me another stall tactic to get my payments further behind so that BSI can put me in foreclosure. I need answer from BSI Financial Services ASAP ... ...
I have worked for the same company for 17 years. 
City for XXXX, XXXX XXXX. 
They are same Employer, City of XXXX IL.
I have XXXX loans that I make auto-payments on every month from Sallie Mae. I was told my account was " delinquent '' due to non-payment for four months. This was not true because there was money deducted every month from my checking account along with updated payment history on SallieMae.com. Interestingly enough, the person that was " handling '' my account admitted it to being Sallie Mae 's mistake. She also said she 'd make sure that the mistake would not be reported on my credit report. Fast forward to two months later and the issue was placed on my credit. I have gone through so much with this company ; I have never been more stressed in my life. I thought that this was a loan company that would let me look forward to a great college education but I ca n't when I 'm being backed against a wall for their mistakes. They are not loyal to their customers and they certainly have no remorse for their wrong doings.
I am a XXXX XXXX XXXX XXXX XXXX. Ever since I got out the XXXX it has been a slow progression of falling behind with slight catching up then falling back behind. There are a couple financial institutions that I have been with for years that I have been having issues with. But, this company just closed my account for lack of payment. I have been with them for the last 15 years. Let alone they call 3 times a day after I already told them my situation. It has been difficult to find a job to cover all my expenses, since the loss of my military income. I make maybe half of what I use to me. So, they have closed my account. This was also a huge hit on my credit report. How can you have such a long good standing with a company and they do n't help you out!?
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 1. XXXX ( XXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( XXXX  ).
I have disputed two accounts with Equifax which show on my report as still being investigated. It has been far past the 30-45 day investigation period. I have sent two letters via XXXX Certified Mail with Return Receipt and have had no response. The accounts in question below should have been deleted from my report. 

They are now in violation and are continuing to report incorrect information. The accounts in dispute are below. 

XXXX ACCOUNT # XXXX AND XXXX ACCOUNT # XXXX
they continue to call me at work threating to send me to collections. I have checked my credit report and I do n't see this debt listed.
A communication from XXXX XXXX XXXX, XXXX, ( PHEAA ) was received by this consumer, XXXX XXXX XXXX ( 15 USC 1692a 3 ) on or about XX/XX/XXXX. As described in 15 USC 1693 a 2, an account involving personal, family, and household, which means consumer, is an asset account. Why is an entity, which can be defined in 15 USC 1693 a 9 as a financial institution holding an account, directly or indirectly, belonging to a consumer, attempting to collect an alleged debt? According to the FDCPA a debt collector may not  use any false or misleading representions in an attempt to collect any alleged debt ( 15 USC 1692e 3 ; 15 USC 1692e 10 ). Continuing, threats were insinuated as described in 15 USC 1692d. This consumer is seeking actual damages pursuant to 15 USC 1692k A 1 in the amount of {$50000.00} USD. Misrepresentation and harassment are deceptive and harmful.
XXXX XXXX XXXX XXXX filed a judgement for none payment in XX/XX/XXXX. In XX/XX/XXXX I was asked to pay {$340.00} on XX/XX/XXXX, and {$160.00} every month beginning XX/XX/XXXX. I made the payment XX/XX/XXXX and every month after. After viewing my credit report I noticed my account reporting late for the month of XXXX, XXXX, and XXXX. There policy is a {$10.00} late fee and I was never charged a late fee any of the months mentioned above. I could not resolve the problem so I since payed off the account to avoid any future reporting of late payments.
I REQUESTED FROM EXPERIAN TO PERMANENTLY REMOVEINCORRECT DOB:XX/XX/XXXX ON MY CREDIT FILE AND INQUIRIESREPORTED BY XXXX ON XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX & XX/XX/XXXX, AS IT WAS UNAUTHORIZED INQUIRIES.
In XXXX, I was initially on a plan with the hospital for care I received, I called and added two other accounts which did not occur. One plan broke because they placed it separate and it was sent to XXXX. Approximately XXXX I kept calling and it took forever to send the debt to XXXX. I called multiple times between then and XXXX of XXXX and it had not been received. I called in XXXX and they finally had all three of my accounts along with my husbands. The young woman advised me if I paid the balance in full on a repayment plan then I would not be reported to the credit reporting agency. I set up the plan in XXXX of XXXX and to date, I have never missed a payment, they have deducted {$150.00} payment from my checking account every month. I lost my job on XX/XX/XXXX of XXXX. I called them around mid XXXX to ask if there was a relief program, I will receive unemployment and I am calling all of my debtors to see which ones offer relief programs. The woman that I was speaking to mentioned to me that the accounts I was calling about that payments were received, however they were in a dispute status. I told her that I don't know if the young lady that I spoke to over two years ago placed them in that status so that they would not report to the credit reporting agency since I was paying off the balances, and they should not have been in collections in the first place. The hospital refused to remove the accounts, so I requested that they all be in one location so that I may pay on them. She wanted to argue about it, and then told me well I can delete the plan and set you up on a new one making smaller payments for approximately three months. I had a feeling the way this woman was talking that the representative that I spoke with was no longer there and she wanted to delete my plan so she could get the credit for the payments that was being made, and she was about to mess up the previous agreement that I had going on for years. I was never reported to the credit reporting agency, and I hold a Mortgage Loan Originator License, and with me looking for a job, I can not have items on my credit especially when I am sticking to the agreement. I told that woman not to change anything and I will call someone else. All of a sudden they have reported this to the credit reporting agencies and my credit score has fallen over 44 points. I want the items removed, and they should only be placed on my credit report if I miss a payment. On Saturday XX/XX/XXXX I spoke with a supervisor XXXX XXXX at the XXXX office in XXXX, NC. And she stated if you make a repayment plan prior to us reporting you then yes we are not supposed to place this on your credit. I faxed her my credit report, and the frequent updates to reflect that XXXX was never on my credit report, the only information that I received is that she received my fax. I need these items to be removed quickly because both XXXX and XXXX hospital in XXXX are making errors on billing accounts leaving clients to suffer.
On XX/XX/2018 I contacted PenFed via phone to make a domestic wire transfer to fund an investment in XXXX XXXX XXXX XXXX. This was the third transfer to this fund made over the past three months. Previous transfers from PenFed totaled {$92000.00}. After a series of questions and verifications the agent indicated the transfer would be processed and I hung up. 
On XX/XX/2018 I received an email that there was a problem with my account. I checked online and I was able to see that my funds were NOT transferred. I called an agent who said that they could not help me because the wire transfer department was closed and I would have to call back on Monday. 

On Monday XX/XX/2018 I called back almost immediately when the customer service opened only to be told that it would be another 30 minutes before the wire transfer department was open. 

I called back in 30 minutes and after lengthy periods on hold was told that the transfer could not be completed on Friday because the Federal Reserve was closed. I was assured the funds would be transferred quickly. 


I contacted XXXX would said I have missed the investment deadline and would miss out on the profit for this period of investment. I was very upset. 


I have checked my PenFed share account and I see that 7 days have passed and no transfer has taken place. 

I have received no explanation from PenFed or notification that they did not fulfill my request. 

I have suffered monetary damages due to PenFeds negligence, incompetence and deceit in handling my wire transfer.
To Whom it may concern, I had a second property in Florida which I lost XX/XX/XXXX due to the financial crisis. Even though XXXX XXXX XXXX the original creditor provided a statement to the IRS clearly showing the balance remaining was {$140000.00} and the Fair Market Value was {$170000.00} at the time making this a phantom debt ( statement included ), also the statute of limitations in Florida is only 1 year. The Law Offices of Daniel Consuegra on behalf of their client XXXX XXXX XXXX who purchased XXXX XXXX zombie debts for {$1.00} including my own ( see my note assignment provided ) created a lawsuit mill which churned out thousands of debt collection lawsuits relying on deception and faulty legal paperwork. In my case this includes intentionally filing their lawsuit under a false address in XXXX XXXX, even though my original creditor statement from XX/XX/XXXX, my current drivers license, my credit report ALL have XXXX listed as my primary residence. Furthermore, even though I was NEVER served in this lawsuit, I did receive an unsigned court document only AFTER the default judgment was already filed as an intimidation tactic. This confirms they were aware of my address all along but willfully continued with the fraudulent filing. ( please see unsigned court documents ) Because of these deceptive and abusive legal tactics I have become a victim of unfair credit discrimination. I was offered a job, but after a background check the offer was rescinded solely because of this fraudulent judgment being listed in on my credit report. Resulting in great financial and emotional harm. 

I already filed a complaint against XXXX XXXX XXXX for their role in this scheme ( Complaint # XXXX ). 

Both companies are equally responsible for making me a victim of sewer service, and violating my credit rights. 

Since I have absolutely no connections, or contacts in XXXX and the CFPB has the authority to investigate deceptive, abusive, and unfair practices I am asking them to review my case and supporting documentation carefully. 

I appreciate agencies assistance finding a fair resolution. 

Thank you.
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