WillisBack/dataset-financial-user-claim huggingface dataset:
On Friday, XX/XX/2018 I reached out to XXXX XXXX to request a quote on the 2018 XXXX XXXX. I was going to be leasing it with my mother. After reviewing my income, they decided that they couldn't lease me a car. That's fine, we parted ways and I moved on with my day. Later, I got a notification from all three credit bureaus that a hard inquiry has been placed on my accounts by XXXX XXXX via XXXX. I never authorized the use of my social. I tried contacting them but to no avail - I've left countless messages and e-mails for the finance manager who has never gotten back to me. On XX/XX/2018 I got ANOTHER email stating that ANOTHER inquiry had been placed on my social with all three credit bureaus by XXXX XXXX via XXXX. I did not authorize this, nor did I speak to anyone. Once I was rejected on XXXX it was case closed. Additionally, my mother, who they did not speak to, and did not need to verify her info until we were to be signing documents ( which didn't happen ) had her social run TWICE as well on all three credit bureaus. THEY HAD ABSOLUTELY NO RIGHT to run my social the first time, let alone A SECOND TIME after they refused to lease me a car and especially had no business running my mothers information once they refused to lease me a car. I've tried reaching out to them countless times and they just keep telling me no one is available to speak to me, or they take a message and never get back to me. These need to be removed IMMEDIATELY from my accounts as well as my mothers accounts. We do not have any outstanding debts with them, we did not lease a car from them and we did not sign any paperwork authorizing the use of ourinformation - not once or twice.
I never received the letter that was dated XX/XX/XXXX, 2017 with a " handwritten '' signature. I am of the belief that this company is practicing unlawful acts using veterans as their targets. And I do not want any correspondence emailed to me. That is not what I asked for.
On XXXX XXXX, 2017 I initiated an international wire transfer in amount of exactly XXXX USD from my banking institution, " TD Bank '', to a recipient institution, called " XXXX XXXX XXXX XXXX '', located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, whose SWIFT # XXXX, beneficiary account # XXXX. Transfer took place from my TD Simple Savings account. I found out that my wire transfer has not been received by the recipient institution, however, my banking institution does not refund me money. TD Bank started the investigation, but there is still no result after more than one month. I want TD Bank to refund me my {$5000.00} and any fees associated with a transfer because the recipient did not received these funds. It should not take that long for TD Bank to confirm that my funds were never received, thus such funds should already been credited back to my account. I am asking your governmental agency to compel TD Bank refund me {$5000.00} PLUS bank FEES associated with this wire transfer, since the service was not provided. Otherwise, I will definitely sue TD Bank for {$5000.00}, plus fees and expenses associated with the litigation and I will never again have any business with this bank. I thank you very much for your assistance.
XXXX XXXX XXXX XXXX DBA XXXX XXXX is reporting that a closed account was delinquent two or three times to all three major credit reporting services. This account was never paid late, and was never a delinquent account. I contacted the company by certified mail on 4 separate occasions to inform them of their mistake and request copies of any information or proof of my delinquency on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. All requests were met with form letters stating they completed an investigation and found their information was correct. 

At no time has the organization sent any supporting documentation proving this reporting. 

Reporting false information is a Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
I had a loan with GMAC they went out of business and Owen was my lender for my mortgage I had to hire a consultant to fix my problem with them .they had fraudulent claims on me with my loan I spoke with XXXX attorney general office the issue was resolved after I paid XXXX dollars .they made fake claims against me spoke with people from XXXX who did not have a clue what I was saying I was forced to get a modification now my credit is ruined I wo n't to move and quicken loan tell me Owen states I was two years late on my bills this is because of Owen fraud I need my credit fixed so I can buy a new home and run away from Owen
XX/XX/XXXX called Bank of America to assist me in filing a hardship as I am a victim of hurricane Michael. I am unable to work and have no income at the moment. I was on the phone for over an hour being transferred several times or not being helped. I was told only late fees could be waived and I could not get my payments postponed. They advertised online that they were helping customers with hardships and working to help in disaster relief, but stated over the phone that this was not true. I have emails that show to call BOA for assistance during this hard time and also online mortgages were allowed to be put on forbearance. No one sympathized with this horrible situation. 
Once I return to work, I will have several months due at one time which is unaffordable. I was requested to call back every month to state if i can not pay just to let them know. I was also told to call back WHEN I could pay. All my other creditors understood and did NOT falsely advertise. I had the right to request a hardship and I wasnt allowed and I am in a federal disaster area. My town is having to be rebuilt from the ground up. By not helping your customers in need you will drive our community into bankruptcy as an only option.
After being denied a mortgage loan, I found out that EOS CCA ( collection agency ) was reporting on my credit report that I owed them {$620.00} for an unpaid cell phone account with XXXX XXXX XXXX XXXX. This is definitely a case of mistaken identity. To prove it I mailed EOS CCA a certified letter requesting validation of the debt. They failed to validate the debt, by simply sending another bill as validation. Also, the bill had an address on it that did not belong to me. I called XXXX/XXXX/16 to see if the account was going to be remove from my credit report, but was given the run around by a Manager name XXXX.
ARA continues randomly harass my family. Talking to my mother in law and others not authorized to speak to. They call and say I owe money from an old XXXX account. I have never had a debt which went to collections or charged off. I contacted XXXX who has granted me a large mortgage and credit cards after this supposed charge off. They could not find any account which was EVER delinquent in my name or social security number. It has been ongoing for years. ARA threatened in the past to contact my employer and want to serve papers. They also are now using a fake caller ID which says XXXX. They also continue to check my credit report without authorization so that they can get my new phone numbers and address. In any event I told them to serve me papers to settle it in a court of law in connecticut. They have been also made aware that even if I did owe money ( which I do n't because I never opened this account or was late ) it would be well beyond the statue of limitations in my state.
I signed up for electronic statements but do not get them ... I do n't believe interest is being applied to my account correctly. I pay the loan using different bank accounts and sometimes the funds are pulled from the wrong account. My contract does not state how principal interest and fees are applied to my account.
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT WITH XXXX XXXX AND XXXX APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
We received a notice at our rental property in XXXX, North Carolina that we were late on our loan and needed to call immediately to address the situation. The notice stated that they were the Mortgage company Mr. Cooper ( or NStar ). I called the number and they have set up a false answering service that mimics the actual Mr. Cooper phone service exactly. Our loan is through a different company, so that is what tipped us off that this was a scam. The phone number they left us is XXXX. The fake loan number they gave to me when I called is # XXXX. I contacted the actual Mr. Cooper and they verified that it was a fake loan number and that the number was not their customer service number. The scammers have clearly put some time into this fraud and Im hoping someone can investigate and stop them from hurting anyone else.
A representative from Northeast Resolutions has repeatedly called myself and my family members. They ask my family members to call XXXX and say that this is an urgent message - during the call, they intimidate my family members, use incorrect information, and have called my family members multiple times over the past few days. The representative has called me numerous times and left intimidating messages threatening to come to my home.
I applied for an income basedrepayment plan and was approved. I also had learned about the 10 year public service loan forgiveness program, or so I thought. I contacted Navient and spoke with a customer service representative who confirmed that my IBR plan qualified for the loan forgiveness. I continued making regular payments under my IBR plan for approximately 3.5 years before switching employers. Once I had switched employers I attempted to update my IBR payment plan information and again get confirmation on my forgiveness status. I contacted customer service again and was informed that my IBR plan alone did n't qualify me for loan forgiveness and that the 3.5 years of payments were not valid because I had not applied for a consolidation loan. Needless to say I was somewhat devastated when I realized that I had in effect wasted 3.5 years of time. I have since applied and been accepted for a consolidation loan and am under the belief that my current payments are counting towards the goal of XXXX after which I am qualified for loan forgiveness, but I still lost out of over 3 years. I do n't know if this is the type of situation which would qualify for the class action lawsuit but I thought it was worth asking. I thank you in advance for any assistance you can provide.
On XX/XX/2018 a cashier 's check was issued in the amount of {$740.00} to XXXX  from XXXX as a credit consolidation and was mailed to XXXX with a tracking number. All of the appropriate information was on the check such as account number and name and also had a statement stub attached to the check. XXXX   received the cashier 's check on XX/XX/2018 and still has not processed this payment. XXXX can not cancel and reissue this due to it being a cashier 's check. LendUp is refusing to credit my account for this amount and in the meantime I'm still paying a minimum payment to them every month so it won't affect my credit score. We have the tracking information that they received it as well as the check stub saying that it was written. They are saying they can't find it and we should have paid it online.
I have a sears credit card. I canceled the account XXXX XXXX on XX/XX/XXXX. I have had the account XXXX XXXX since XX/XX/XXXX. I asked for a refund but no answer back from them. It is provided by Citibank N.A. I have canceled account care with other credit cards and received credit on my accounts. I was never told that if I canceled account XXXX with Citibank I would not receive credit on my account. Thank you XXXX XXXX at XXXX.
My Name is XXXX, I have been working with SPS on a short sale for more then a year, I also been writing complaints about that same amount of time, they ask for document 's I give them the asked for documents and by the time they are looked at, SPS needs more documents. as I keep going in the same circle with SPS not XXXX decision on the short sale has been made.it is now XX/XX/XXXX a new years, SPS is still asking for documents. my complaint is that SPS ca n't or wo n't complete the Short Sale Process, I have had a active buyer that is still waiting for a decision to be made, The purchase contract was submitted on XX/XX/XXXX, I started working with SPS in XX/XX/XXXX. 
I would like SPS to complete my SPS sale so I can move on. 
Thank you, XXXX
I am currently unemployed and having trouble keeping up with my XXXX mortgage payment with Ditech home mortgage. They know this. I have told them several times that I am trying to get them the money I owe them. I have been able to avoid foreclosure through family members. I get collections calls from them telling me that they know the house is vacant and are taking steps to take the house, and they know that I am still living at the address Now my relatives are getting calls telling them that I have a package and need to call a certain number to receive the package. I have check the internet on Ditech mortgage have found several negative remarks, and complaints about them. The loan was originally with XXXX mortgage company and sold to Green tree mortgage and sold to Ditech. 
I did not receive a new service letter from either green tree and Ditech. Which I believe is a violation. I worked in the XXXX fro fourteen years and I remember having to send letters of new servicing to customers I also AVE STRONG SUSPICIONS THAT THEY ARE INVOLVED IN PREDATOR LENDING PRACTICES. 


Thank you, XXXX XXXX DI TECH mortgage XXXX XXXX XXXX, SD XXXX
I have tried on different ocassions to dispute inaccurate information on my Equifax report regarding the creditor XXXX XXXX. Each time i dispute it the inaccuracies continue and even become more inaccurate drastically decreasing my credit score and hurting my report. I woulld just like this account removed completely from my report since it cant seem to be reported accurately and is causing major damage to my credit report.
I sent a certified letter with return receipt to Collins Asset Group in XX/XX/2018 upon noticing that this company had begun reporting this entry on my credit reports. In my initial request to this company, I requested that they provide the date this alleged debt became payable, the original delinquency date as well as a complete accounting of the alleged account. In the letter I received from this 3rd party collection company was a mere dunning letter. This company never sent me a dunning letter nor have I ever received any communication from them regarding this alleged debt. By Collins Asset Group not allowing me 30 days to respond to dispute the validity of the account entry, is a blatant violation of my consumer rights. 

Further, if this company is able to provide a document that bore signatures and is a contract, why is the contract not listed as an RIC? Where is the copy of the contract proving I entered into an agreement with Collins Asset Group? Where is the proof or dunning letter that they should have sent me prior to inserting this account on my credit reports negligently? This account is inaccurate, unverifiable and erroneous and should be DELETED IMMEDIATELY FROM MY CREDIT REPORTS.
I was a victim of TransUnion 's " inquiry issue '' when they deleted all of my credit inquiries from my report and then - without proper notice and a disregard to legal procedure - simply re-added them all back on to my report without my knowledge. 

I called TransUnion and the overseas operator blew me off and told me there is nothing that they could do. 

I demand that the inquiries be removed as they had previously been. 

The inquiries are : Factual Data - XXXX Mortgage / Miscellaneous, Not Elsewhere Classified / XXXX/XXXX/XXXX XXXX / Mortgage / XXXX/XXXX/XXXX Factual Data - XXXX XXXX XXXX / Miscellaneous, Not Elsewhere Classified / XXXX/XXXX/XXXX XXXX XXXX / Mortgage / XXXX/XXXX/XXXX XXXX / Miscellaneous, Not Elsewhere Classified / XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Banks XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX / Banks / XXXX/XXXX/XXXX
I had a  Netspend  account since  XXXX   XXXX . I had no issues with them until this paycheck did not come into my bank account via direct deposit. Beforehand, I have overdraft with their card and was not able to pay it back until I got this job I am working at now. I am supposed to be pay by the latest Friday at   XXXX    (   XXXX   XXXX   XXXX  ) and I still have not received. I called Netspend on Thursday to verify if my account is active and in good standing and I was told that it is. When I ask about my direct deposit for work, I was told they can not access that information.
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
RE : previous complaint # XXXX 1. This Complaint is filed pursuant to XXXX - Unfair Practices, and is directed specifically at non-compliance by Alridge Pite, LLP. and XXXX XXXX XXXX XXXX hereafter XXXX XXXX 

2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to Alridge Pite, LLP. and XXXX XXXX on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, Alridge Pite, LLP. and XXXX XXXX failed to immediately stop all collection actions as required by FDCPA statute. 

3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by Alridge Pite, LLP. at the request of XXXX XXXX See EXHIBIT-A. 

4. Please be advised that Alridge Pite, LLP. and XXXX XXXX is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 

5. Alridge Pite, LLP. and XXXX after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 

6. Alridge Pite, LLP. and XXXX, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX XXXX Mail to take action that can not legally be taken. 

Conculsion I now ask this agency to issue an administrative DEMAND, compelling XXXX XXXX and Alridge Pite, LLP to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.
On XXXX2017 I contacted XXXX XXXX of the XXXX XXXX XXXX XXXX This was the email I sent after shortly finding out that they were a fraud student loan company " Hi, My name is XXXX XXXX XXXX and you can reach at XXXX XXXX. I wish to cancel this loan agreement because is agreement is incorrect in regards to the information that was provided. I was mislead and I want to cancel. After reading the BBB reviews and complaints you guys are not the type of company I want to deal with please reverse everything! '' They then sold my contract to another company called XXXX XXXX XXXX in California in which I repeatedly asked them not do because I was going to stay with XXXX after finding out about their fraudulent company.
XX/XX/2014 I signed a lease for an apartment at XXXX XXXX in XXXX XXXX IA. I had tried to get them to show me the apartment I would be getting that whole week, prior to me signing a lease. The first time I had gone to look at this complex, they took me to a model unit. I had asked if my apartment would look just like that. It had all new cupboards, counters, carpet, paint etc. The model was immaculate. The day I signed they scheduled me for the last appointment for the day and rushed me through the process, not giving me a walk-through of the apartment I would be getting prior to signing. They gave me the keys, I drove to the apartment, walked in and was so devastated to say the least. It was awful! Nothing like the model unit. It had gross closets with mold, the place smelled musty the cupboards and counter tops were old, the carpet old, the deck looked like it would fall apart if you stepped on it ... I drove back to the office to give them the keys back but they had closed and locked up already. I called and left a message that I would not be renting from them and would be returning the keys in the morning. I had everything lined up to move and nowhere to go. They caused me so many problems and money by fraudulently getting me to sign that lease. I had to pay for the moving van that I didnt use that day and find another place to move at the last minute. I recently checked my credit which is how I found that I still have this collection acct showing active/open with a balance of {$3000.00}. This is over 5 years old. The collection company listed is Rentdebt automated collection. I am reporting XXXX XXXX for their unfair practice, for this erroneous collection amount. I will be sending a letter to the credit bureaus demanding they remove this collection account. I'll file a complaint with the Consumer Protection Division of the Iowa Attorney General 's office and will be sending a registered letter to the apartment complex owner demanding they remove this debt and show as satisfied.
Nationstar Mortgage has simply created a {$150.00} fee on my mortgage statement with no explanation as to why this fee covers. They also have started to charge {$9.00} per month to make your payment online. How can they charge you to make a payment? This company bought out my original mortgage that was with XXXX Bank. Nationstar Mortgage is a criminal organization that needs to be shut down.
I scheduled a billpay with BofA on XX/XX/XXXX. On or about XX/XX/XXXX, the recipient notified me that they had given me the wrong address for the check and asked that I cancel the check. I called BofA and asked them to stop the payment and void the check. They said they would do so and that no funds would be withdrawn from my account. Two weeks later, the recipient received the check and destroyed it. Note that the check said it came from a different bank from BofA ( how did that happen??? ) I wrote a new check and handed it to the recipient.

Bank of America never canceled the original {$8000.00} payment. So, in total, two payments of {$8000.00} were taken from my account, even though only one of those  checks was cashed by the recipient adn the other check was promised to be voided by BofA.
XXXX bought this debt from synchrony bank / Sams club. I have paid the account with them.