WillisBack/dataset-financial-user-claim huggingface dataset:
Company is using an autodialer to contact about a debt they do not own. I have informed them that they are calling my cell phone. I have also informed them that they have no reason to call me since they do not own the debt. They call me XXXX or three times a day, often with no one on the other end of the phone when I pick up.
Ally Bank locked out my account. Despite my submitting all the required documents they still have locked all access to my account for over 24 hours
I had been investing in XXXX on coinbase. On XX/XX/XXXX I saw my checking account had been charged 4 transactions. 2 for {$200.00} and 2 for {$100.00} from coinbase. I looked at my account on coinbase and no currency had been added to my account, it was only a debit from my checking. I called my bank and reported the charges. The next day XX/XX/XXXX, they were credited back and my checking account and my coinbase account were where they should be. On XX/XX/XXXX I got an email stating because of the reversal by my bank they were taking the funds back. They then withdrew those same 4 amounts from my coinbase account leaving me with nothing. I have had multiple contactys both by phone and their email support and I get the same answer that they will assign to specialist and no one ever follows up with me. Ever.
On XX/XX/2018 the collection agency allied interstate LLC showed up on my credit report with any previous notifications or phone calls for the amount of XXXX dollars. I then try to call this company to get this verified or to why are they on my credit report i adk for verification of debt i was told that i had to go to original cretitor to verify the debt with will be XXXX XXXX. The problem here is allied interstate llc shows up on my report they cant verify the debt but not only that i have to verify with original creditor plus i was never notified on this debt. Allied interstate LLC should have some kind of debt ferification and contract as well they are reporting unverified information on my credit report. I do not have any documents because allied interstate llc does not have my adress and im unsure if I should tell them my adress as they may later try to use it to verify information
Hello BMW Services : This is a formal notification of Title received from BMW. After a 14 day waiting period for clearance of all outstanding debt on BMW we received a clear title. However, we are receiving daily calls from BMW Collections and when we call back we are routed to a long standing ( no answer ). I have called numerous times and spoken to Customer Service who also routes call to Collections. I have given the information to them that Title was received as well. The vehicle was placed in repossession and we are also receiving harassing calls about a BMW location.

We have contacted our attorney who has a copy of recent BMW Title and we have also  noted to DMV State of XXXX the status of harassment by BMW Financial USA. We are requesting that the account be made current per Credit reporting and per law. There is no outstanding payment due on account as per receipt of BMW Title and 14 day required waiting period.

Please note this given account. If we receive any further calls from BMW or Repo company a formal complaint will be filed with the State Attorney General Office.
in inquiry by the name of XXXX on XX/XX/2018 appeared on my XXXX credit report,, that i didn't authorized. i called and disputed it a let them know it was a fraudulent inquiry and once the investigation was done they mailed me the results saying the inquiry has been removed. i checked my credit report and it was still showing. i called them back and told them i was still on there they said they had to dispute it again. they did it again mailed me dispute papers saying it had been removed but i checked again and it is still showing.
I have disputed the issue with the original credit reporting company and their records do not show negative accounts listed. They told me to place consumer disputes with credit bureaus. In addition XXXX credit bureaus do not show information on negative accounts, yet they are being listed again as open negative accounts through another credit bureau. I have spent much time trying to resolve these issues, so that the XXXX reporting bureaus are accurate and consistent in the information they are reporting about my credit history.
Hello I have call XXXX and also sent in disputes in inquiries that do no belong to me I have also contacted the creditors who advise me to contact the XXXX and I feel like nothing is being done about this I keep going back and forth with both, just recently I have received a copy of my credit report and notice these inquiries that I did not authorized and I would like them removed as they are hurting my credit score this was not done by me and I had no knowledge that this was done the inquiries are : 1 XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX I have no knowledge of these companies
My name is XXXX XXXX. I currently bank with Chase. They have a service called XXXX. 
I have used this service in the past successfully. 
On trying to use this service again, I just found out that they changed it. The person receiving the funds is now required to submit their financial information to a third party called " XXXX XXXX '' My con plant is that I was never asked about this, or any discussion submitted The Chase financial institution, without my permission has required my friends to submit thier financial information to an unknown third party with unknown and unvetted credentials. 
This is a serious and onerous breach of trust and SECURITY since the aforementioned bank, Chase, recently experience a massive breach in security, requiring them to cancel all their cards and issue new ones with added security. 

In light of this fact, it seems to me the height of arrogance, insolence, aloofness, superciliousness, chutzpah and disdain by the bank, to subject the customer and the customers financial friends to a third party and unknown security credentials without permission. 
I am extremely disappointed in Chase and their behavior. They are always asking for feedback and customer satisfaction, but I see now that all is is merely lip service and means very little. If they truly were concerned with the well being of their customers, they could have, and would have asked for the customers opinion and carefully weighed the customers concern and explained the matter, instead of acting in such an imperious and 19th Century provincial, highhanded and uncaring manor. 

Thank you. 

XXXX XXXX XXXX.,
We are trying to refinance under the HARP program and we are having a difficult time getting financed because Wells Fargo is not reporting our payment history to the credit reporting agencies after or during our Chapter XXXX BK. We have tried to contact Wells Fargo many times starting on XX/XX/XXXX spoke to XXXX XXXX in the BK department and opened a work order to have XXXX XXXX reach out to all three bureaus and report our credit history after our Ch. XXXX discharge and send a letter to us that they reached out to all three bureaus and are reporting accurately. We called back on XX/XX/XXXX and spoke to XXXX at Wells Fargo to check status and did not get an update but assured us that he opened another work order to start having the mtg history report our credit history and will send a letter to us to confirm they are reporting to all three bureaus. XX/XX/XXXX, spoke to XXXX and was told it is still under investigation. On XX/XX/XXXX, spoke to XXXX XXXX in corporate office and he will open another order to make sure mortgage history is reporting accuratlely and will continue to do so to all three bureaus along with sending us a letter that they are reporting to all three bureaus. We followed up several times after and was told that it is still being investigated with XXXX XXXX at Wells as she needs more time. Today, we received a letter from Wells Fargo stating that They report the status of our account to consumer reporting agencies as it was on the date we file Chapter XXXX BK. We continued to report that same status until the Chapter XXXX BK was discharged ... Our discharge date was on XX/XX/XXXX and Wells has stopped reporting since XX/XX/XXXX. We asked when will they start reporting again to all three bureaus that we are on time after the BK. XXXX XXXX 's answer was if we want to open another work order. Please advise as we do not know what to do at this point since the same concern has been addressed with Wells Fargo many times and no response as to or when they will start reporting to all three bureaus.
I had 3 auto loans with the same company. All loans were paid and closed in XX/XX/XXXX. The date of last action on my credit report should be between XX/XX/XXXX and XX/XX/XXXX however i just got notice from XXXX that there was a new late pay from this company. This is impossible since the only loans i had from this company have been paid and closed.
For 1-1/2 yrs ( est. ) Dyck O'Neal Inc.- a debt collector ( Texas addresses ), has repeatedly left the following message : " We have an important message from Dyck O'Neal Inc . This call is from a debt collector. Please call XXXX. '' Always the same words spoken in the same female voice, left on our home voice mail. We ran a Credit Report and found no unsatisfactory ratings. No one has been trying to collect debt from us, to our knowledge. We 've followed advice to avoid communicating directly with the company, and are attempting a solution through the Bureau of Consumer Finance. [ I was distressed to learn that debt collection businesses are exempt from restrictions on telemarketing ( which is what this sounds like to us ) - i.e., it is legal for them to ignore the Do Not Call Registry. ] We are looking for an answer to this recurring annoyance.
I was due to have my XXXX the day I graduated from college. As a XXXX year old college graduate a child was not in my initial plans, but strived to become a successful mother and start a successful career with my quality education. However, with the inability to find a job that would even pay for the time my child would be daycare my dreams of a career faded and I needed to find a job to pay for my bills month to month. Currently working XXXX jobs to try and pay the bills. With my grace period coming to an end on my loans I sought help from Navient & XXXX XXXX. XXXX XXXX was willing to let me pay interest only payments which I could afford. The only options Navient gave me were either pay the full payment or apply for forbearance. After several phone calls with the agency, countless hours on hold and so many tears of hopelessness it 's hard to see a positive financial life past my student loans. I do n't want to ruin the good credit score I have because I have a goal to buy a house for my daughter and I some day. I found it hard to believe my only option to pay my loan was either full payment or forbearance. I could pay one of my loan payments with the forbearance amount ... They explained to me that the payment option I chose when I started my loan which allowed my mom to make small payments while in college meant that I could not chance my payments post graduation. If this was properly explained in any fashion weather verbal or written communication with this company we would not have chosen this option. My mom was just trying to help me by paying a small amount each month. All of my private loans were originally taken out by XXXX XXXX, but XXXX of my XXXX loans were transferred to Navient during their switch. I spoke with someone in the Navient collection department who was helpful and informative about how to get my payments to the " level repayment '' or " workout program '', when none of the people I spoke with said even existed. He said these programs only accessible through an application and me missing payments ( which after missing 3 payments would effect my credit score and bring on weekly/daily phone calls from the company ). Though he was the only helpful person i 've ever spoken with through Navient he admitted that the process was not easy to get approved for. I have paper work, numbers and countless conversations with people I tried to seek help from. I saw your lawsuit and felt my story would be beneficial to hear from. 
I attended XXXX in XXXX XXXX Ohio. Graduating with a degree in XXXX and XXXX XXXX.
I get a call every day at approximately XXXX am on my work cell. I have to answer all calls on this phone. I informed them that they were contacting me at work and I demanded that they contact me only in writing by sending me a letter. The man on the phone became irritated and told me that the phone calls would not stop. I told him, that I am aware of my rights, I am clearly telling you to cease and desist all communication at work that I can not receive calls on my work phone. He told me again that he ca n't make the calls stop and they will continue, even if he sends me a letter. 

I received another call this morning from the exact same number. This is every day, multiple times a day at the exact same times.
While making a {$9.00} purchase at the clerk asked me if I would apply for their credit card, I agreed. Two months went by and I received a paper bill charging me late fees and interest fees in the amount of {$37.00} ( including the {$9.00} charge ). I called customer service and explained I hadn't received that bill. She said if I paid the {$9.00} immediately she would dismiss all the other charges, which I did. This Wednesday the XXXX, I received a bill for {$27.00}. I again called customer service and was told there was nothing she could do about the fees ( though I paid the {$9.00} charge ), because they had closed my account. 
Furthermore they reported me to the credit agencies which dinged my credit rating. I was told they sent my bill out on the XX/XX/XXXX but I didn't receive it til the XXXX. This does not pass the sniff test. I paid the {$27.00} they billed me, though on the bill it said This is {$2.00} ( other debits ), fees charged {$21.00}, ( past due ) amount {$5.00} The bank in question is XXXX XXXX XXXX in XXXX, Ohio Thank you in advance for your looking into these questionable practices, so someone else doesn't get bilked. And a correction to the credit reporting agencies, with a copy for my files.
After finishing graduate school, I called Navient ( then XXXX XXXX ) regarding setting up an income based repayment plan for my loans. Instead, they put me into an interest-only payment plan and told me that I was eligible for debt forgiveness after 10-15 years of steady payments.
This account has been disputed several times to TransUnion, XXXX, and XXXX and the outcome is always VERIFIED as ACCURATE. The pages attached are from TransUnion and XXXX   is also reporting identical data. 
XXXX XXXX XXXX sent me a IRS XXXX Discharge of Debt on account number XXXX and the date reflects XX/XX/XXXX in the amount of XXXX which differs from the {$2400.00} currently reporting as accurate. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-5 ) a XXXX  ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-3 ) a {$2400.00} balance, {$1700.00} past due balance, charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-2 ) a XXXX  ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-1 ) a {$2400.00} balance, {$1800.00} past due balance, charge-off. 
On XX/XX/XXXX, I mailed an Affidavit of Truth and fact to XXXX XXXX to clear up the problem of reporting unverified information from XXXX XXXX ; a similar affidavit was mailed to XXXX   with a notary of the public page completed in blue ink. Both TransUnion and XXXX failed to refute any of the facts including dates of dispute and demands to produce Method-of-Verification and Proof-of-Verification. The credit bureaus ( Trans Union and XXXX ) are using automated dispute equipment to process these disputes and a machine is unable to determine the difference between a dispute and a legal document, a computer is unable to render a fair decision outside of its programmed inputs. This is not a reasonable investigation as outlined in XXXX V TRANSUNION ( XXXX ). I OBJECT to the use of XXXX   as the method of verification ( MOV ). Dispute results were sent to me and some of the data listed was obtained directly from the foregoing affidavit and not a dispute. 
XX/XX/XXXX, I mailed the attached Affidavit to XXXX to produce Proof-of-Verification in the form of a sworn affidavit or the production of the original Loan Agreement bearing my signature. USPS certifies delivery on XX/XX/XXXX ( tracking provided within the attached file ). There is a ten day clause included for XXXX to notify me of their refusal to comply, nothing was sent to me by XXXX indicating their intent to deny proof-of-Verification. 
Any reasonable person can see that the CRA is just passing on information provided by XXXX and there is NO PAPER available that can VERIFY the INACCURATE information disputed over the past year. In the past, XXXX has sent me some statement pages that do not identify the charges in question that are believed to be charged without the card present and the result of Identity Theft. XXXX and TransUnion have been notified to block this account under FCRA Section 605B.
I have a public record reporting on my credit report that the debt was not paid. I have a release settlement letter dated for XX/XX/XXXX that was paid and settled. It continues to appear on my credit report as a Judgement. I called a month ago and XXXX XXXX had the letter of settlement on file and as of today it is still on my Public report. I have been turned down for XXXX because they have not removed it. the reference number is XXXX. I have another XXXX on my public record for the same thing XXXX agencies also a medical debt that was satisfied in XX/XX/XXXX still showing on public record for XXXX XXXX and needs to be removed. the reference number for that is XXXX
XXXX equipment was returned prior to my being contacted by collector. Collector was informed that I had received a confirmation of equipment having been returned, whereupon he hung up on me. Meanwhile satellite provider began to bill me for service that was cancelled several months before. My new satellite provider had disconnected the equipment that was returned when my old service was discontinued. But, old provider did not send the boxes for return of their equipment for several months! XXXX was paid for all service I was provided and nothing is due to them.
XXXX has reported that I was XXXX times I 30 days late in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have never been late.please refer to my XXXX XXXX XXXX monthly statement, XXXX, XXXX cashed my payment of {$2900.00} on XXXX XXXX, they got paid XXXX, XXXX XXXX, XXXX XXXX got paid XXXX, XXXX they got paid XXXX, XXXX XXXX got paid XXXX as you can see i have never been late and Equifax is refusing to report correctness. Equifax was trying to sell me products, I refused so that 's why, which is totally unfair. I want Equifax to report correct information that I was never late.paid on time every time.
On XX/XX/XXXX i sent a certified letter to Equifax asking them to verify my accounts according to fra rules section 609 ( a ) ( 1 ) ( a ) & 611 ( a ) ( 1 ) ( a ) and section 611 ( 5 ) ( a ) .On XX/XX/XXXX I sent a 2nd certified letter stating that this is my 2nd letter asking for documentation that my accounts have been verified still no letter of reply and the accounts remain on my credit report. Since I have sent these letters I am no longer able to get online on there accounts dispute webpage tells me my information dosent match what they have on file. I called them and asked them about my letters of verifacition they did yes they had received them. I asked where my proof of account verifacition was from them and they told me accounts were verified, but do n't provide me with proof that they have been according to the frca those account must be removed from my credit report because they can not provide proof of verifacition. I am trying to by a house and Equifax has cost me 60 days of not being able to by a house. I also must mention that I wrote the same certified letters to XXXX and XXXX and both CRA replied back with letters within the 30 day period and both of the CRA removed accounts that could not be verified so by law they did exactly what they were suppost to do.
I Have been requesting a loan payoff or Satisfaction of Mortgage from Both RCS ( Residential Credit Solutions , Inc. ) my last known Servicer and XXXX the previous Servicer since XXXX 2014. As per Florida Statue XXXX a loan payoff must be provided within 14 days of the written request. All I have obtained from both of these lenders is a run around each pointing finger at the other. It is ridiculous that the CFPB that was created to protect the public from these Lenders not following the law will not help me. They have ignored all requests and continue with the run around. See most recent response letter. RCS has claimed that the loans were paid off but they will not send the satisfaction of mortgage.
Billmelater charged me a late fee of {$35.00}. When I called in to make the payment in XXXX the system told me the payment was due so I made it. I had already made a payment earlier that month. So, when I went to pay this month they said I was past due and charged me a late fee. My payment was made XXXX day before the cycle date. This ended up being the XXXX payment I had made for the month of XXXX. They refused to waive the late charge.
On XX/XX/2016 I use chase bank atm on XXXX XXXX XXXX XXXX XXXX tx XXXX. The atm gave me back part of my deposit but kept {$220.00} of my money and gave a receipt with a XXXX to call. I filed a claim with chase and they are stating they ca n't find the funds. I really need this issue thoroughly looked into because I want my money back.
I am writing this letter because I have fought and fought to save my home in XXXX, Wells Fargo Bank N.A . have denied my application for modification I am afraid me and my children will become homeless. Wells Fargo Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. XX/XX/XXXX I relied on 12 USC 95 a ( 2 ) to transfer my interest in the mortgage and note to the Unites States, yet Wells Fargo Bank has not discharged the debt and is still moving to remove property from my estate. The state court has ignored my pleas in Illinois circuit court case XXXX CH XXXX. The Illinois appellate court went as far as to say the assignment was done by the attorney representing Wells Fargo Bank on behave of XXXX XXXX XXXX XXXX XXXX ( XXXX ) but it was not enough information to prove that the attorney was not employed by XXXX ; see Appellate No. XXXX. I have went as far to seek relief from Illinois Attorney general XXXX XXXX 's Office. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX,, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller and the State 's Attorney General office?
I asked for a validation of the alleged debt this was back in XXXX and they have yet to comply. They have defaulted on my Administrative process, I sent a cease and desist letter, they then sent all correspondence to a third party which is an attorney. But they have not validated the alleged debt, and this attorney and I do not have a contract, he is not licensed in my state of XXXX, he is in XXXX. I have all letters that they sent me as well as the attorney. I have a copyright for the name in XXXX.