WillisBack/dataset-financial-user-claim huggingface dataset:
The collection agency Shindler and XXXX is refusing to release the levy it placed on my bank accounts. I am currently under XXXX XXXX bankruptcy that is current and active. Below are the details of communication between myself, my attorney ( XXXX XXXX ), and XXXX and XXXX. XX/XX/XXXX - Shindler and XXXX Levied accounts XX/XX/XXXXXXXX - I contacted XXXX & XXXX and spoke with XXXX XXXXand informed them of my bankruptcy. I requested that they release the levy on my bank accounts. They informed me to have my attorney fax them my bankruptcy filing. XX/XX/XXXX XXXX XXXX- My attorney faxed XXXX & XXXX my bankruptcy filing. XX/XX/XXXX XXXX - Contacted XXXX XXXX XXXX to inquire as to the status of the requested release. I was informed that attorney XXXX XXXX is reviewing my file and would be informed the next day for status. XX/XX/XXXX - No Contact from XXXX & XXXX regarding status. XX/XX/XXXXXXXX - Contacted XXXX XXXX XXXX to inquire about the status of release. I was informed by XXXX XXXX that my attorney needed to contact them regarding my case. 8.30.2018 XXXX Contact XXXX XXXX to address the matter. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX & J and was put on hold for an hour with no response. XX/XX/XXXX XXXX - Contacted XXXX XXXX XXXX  regarding release. No response.XX/XX/XXXX XXXX - Contacted XXXX XXXX XXXX and was put on hold for 5mins with no answer. XXXX XXXX - Contacted XXXX XXXX XXXX and was informed by XXXX XXXX XXXX have my attorney contact them.
When I log on to my Transunion account and try to do a dispute on some accounts on there, when I go to submit the dispute it says the items im trying to dispute are n't on my credit report. I am unsure of what 's going on because if its not on my report then why am I seeing it.
Back in XXXX, 2015, I ordered a pkg of XXXX XXXX T-shirts. Amazon.com had a promotion going that if you applied for their store card, you would be given a {$30.00} discount. I may have applied for that card just to get the {$30.00} discount. The total for the t-shirts was {$29.00}, so when the items arrived, the invoice said balance due {$.00} ( XXXX ). Today, XX/XX/2015 I received the one and only statement from Synchrony Bank ( which handles the Amazon store cards ). The statement showed I had a previous balance on the " credit '' account of {$29.00}, and was billing me {$26.00} for a {$25.00} late fee and {$1.00} minimum interest fee, bringing my total to {$55.00} At first I did n't recall purchasing anything from Amazon, and then the csr on phone told me it was for pkg of XXXX XXXX t-shirts. I told her I recalled ordering them, and she offered to remove the late fee and interest charge and just bill me {$29.00}, but she wanted more info in order to close the account. I was n't comfortable giving her more information, considering that if I had truly opened an account with them, they should have all the pertinent info. She then put me on hold, and came back and informed me that they were opening a fraud investigation, and I should write down the ref # XXXX. It was after she hung up that I recalled the {$30.00} discount just for trying their Amazon Store card ( Which I would never normally do, since their interest rate is ridiculous, and I do n't really like Amazon ). I have found in previous dealings with them, that their business ethics leave a lot to be desired. Thinking about it, I believe this is yet another example of their less than honest business ethics, and a bait and switch tactic in order to get people to sign up for their HIGH INTEREST credit card. Had I been sent a statement in a timely manner, There would have been no late fee billed and I would have disputed the {$29.00} which should have been offset by the {$30.00} discount come-on. Worse comes to worse, I am willing to pay the {$29.00}, and chalk up the switch and bait {$30.00} offer, to just another one of Amazon 's dishonest business practices. Thanks for whatever help you can be. XXXX XXXX XXXXXXXXXXXX
On XX/XX/XXXX got a notification of a collection account on my credit report. Have not received any correspondence from collection agency. I didnt receive a notice so I didnt get to verify that the account is not mine before they reported it. They are required to send dunning letter 5 days after initial contact ( reporting ) and they have not.
I have received many calls from " XXXX XXXX '' saying I owe money. At first it scared me they said they were going take me to court. I agreeed to do s settlement and gave them my card to be drafted out. Once I hung up I realized this was a scam. I changed my card number. When it did n't go through they called and made more threats. 

I have the voicemails still and the number is XXXX. 

I did get angry and called. I was told he was going to have me arrested for harassment. 

They emailed me a bogus letter for me to sign to give the. Permission to take my card. The email was XXXXXXXXXXXX. I still have the letter. They called my family and work place.
Please see closed CFPB complaint XXXX-XXXX  wherein Chase has patently lied to the CFPB claiming that they have responded to me. They 100 % have not. What they have done is have someone call me twice *presumably* regarding this complaint. Why do I say presumably? Because the caller refuses to tell me that they're calling about this complaint. 

In point of fact, in both cases, the caller refused to discuss the problem *at all* with me claiming that they " can't validate me. '' In further evidence that the problem is not resolved, my business banker, XXXX XXXX ( XXXX ), is supposedly on a phone call tomorrow with a VP in the Chase Fraud department to again attempt to resolve this. My understanding is that Chase Fraud 's position to my banker is that they are still " awaiting return of funds from the vendor. '' I'd point out that it's no surprise they're waiting as last I knew, " the vendor '' was in jail on both XXXX 's warrant related to this fraud and the separate {$800000.00} warrant from his prior employer. 

I'd further point out that Chase had the money twice and chose to return it to " the vendor '' despite having foreknowledge that there was a pending criminal complaint for the issue at hand.
I am concerned about the validity and accuracy of the recent investigation done by Experian.I requested for an investigation because the account XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
Navient has repeatedly XXXX  up my account. On several occasions I have had to call and have them correct the application of the loan amount. They would overpay some loans and leave others as unpaid so they would collect a late fee. The online account never matches what they say you owe and recently they took more than authorized by me automatically from my account. I am extremely displeased and disheartened with the company.
I opened an account with XXXX XXXX which was opened and closed in XX/XX/2007 and it is still on my record after 12 years.
This account has been illegally reaged. I first found out about it when I attempted to lease an apartment and was declined. Most complexes go back about 2 years however, this particular company shows up as being recent XXXX XXXX. I have not lived at that apartment in almost 2 years and I first started receiving calls about the debt XXXX XXXX. So now every time my credit is checked I.Q. Data comes up as being recent and it is not recent.
Truthfully I didn't authorized Account with Nordstrom on XX/XX/2017. I filed report with FTC. However, Nordstrom wrote back that my account doesn't claim of fraud and such transaction was valid. However, I request them vital information like transaction date, location, and item purchase. Nordstrom stated they are unable to provide these information. They only can provide total amount of balance owe. This is an absolutely raised red flag of fraud to me. I believe Nordstrom mishandle protection of consumer rights to ask for details in order for me to file with a report with police station.
XXXX XXXX XXXX XXXX account is not my account and was open as an result of identity theft FTC Report # : XXXX Experian and XXXX refuse to remove account.
To Whom it may concern, Bank of America has tied me to a fraud account after I paid an account that I owed off. Fraud checks from XXXX XXXX XXXX is what I am accused of into a bank of America account XX/XX/XXXX in amount of XXXX dollars give or take. Of which I am just now discovering after I paid my legitimate debt with Bank of America. I attempted to resolve this matter recently as I am just now finding out about it and I was told, I didn't do it in the 60 day period. My complaint with bank of America began last year in XX/XX/XXXX whom I began my complaint with account closure whom I spoke with team Manager XXXX, in which I explained I was already in debut to bank of America and on XXXX XXXX at the time, this account would have existed he filed a note. I called the Fraud Dept and spoke with XXXX XXXX whom filed claim number XXXX. 
XXXX told me it may take up to 60 business days, I followed up XX/XX/XXXX speaking with XXXX in which she had no update. Finally I called and spoke with XXXX XX/XX/XXXX in which she said the investigator concluded, I didn't complain about it within the 60 day period so it's too late. I attested I am just now discovering any of this and I have a letter from bank of America saying I don't owe them any debt or further debt when I cleared my account in XX/XX/XXXX. She submitted for the investigator and there supervisor to contact me within 3 business days. Neither made contact with me.
Ocwen bought our discharged chapter XXXX bankrupt loan from XXXX mortgage in XX/XX/XXXX. Our bankruptcy was complete XXXX XXXX they have harrassed us for payments for loan and home insurance for the past 5 years on a house that we did not own. We have sent them file after file, and calling to no avail, even having our attorney help us. They finally discharged our debt XX/XX/XXXX, completely ruining any chance of cleaning up our credit. We now have to wait another 4 years before we can purchase a home which is where I would set up my business. Ocwen needs to have a Class Action law suit filed against them
On XX/XX/2018 and XX/XX/2018 my grandson 's debit card was compromised and two fraudulent changes were made each day to his account. My grandson 's account was linked to my Primary account. My grandson was notified on the morning of XX/XX/2018 of suspicious activity, he told them that the he did not make the withdrawals from the ATM and that they must cancel the card. 
Since then the bank has determined the charges were our responsibility, they have deducted all money from our checking and savings account. I repeatedly asked for detailed information on how the determination was made for our responsibility, this has not been given to us. They continue to say it is our responsibility, yet do not give us documentation to support their position. 
The last correspondence from the bank was a proposal for us to agree to pay more funds to cancel their claim against us. 
I have sent all documentation to the State of Florida Attorney Generals office in the form of a claim against the bank. The State of Florida has suggested that I submit this claim to CFPB. They continue to not provide requested documentation.
I had a gym membership with my local  XXXX   XXXX . The contract I signed had a military clause. On  XXXX   XXXX    XXXX  , I provided them with a copy of my military orders. I received phone calls from  XXXX   XXXX , stating that they had not received my orders. I asked  XXXX   XXXX  for assistance in correction this issue, however they explained they could not access my files any longer and all questions should be referred   to Aldous and Associates.
Aldous and Associates refuses to answer my questions.
When I initially received a call from the debt collection agency, Aldous and Associates, the person I spoke to on the phone notified me that I could mail in my military orders. I called a second time a  nd asked  XXXX   XXXX  from  Aldous and Associates how I could dispute my debt. He continually interrupt me and told me to contact a lawyer. He stated that he could not give me any advice. I explained that I 'd spoken to another person within their office, he interrupted me again and told me I could n't have spoken to anybody who is " higher up '' than he is and if I wanted resolution I needed to find a lawyer. I called to change my automatic payment date and responded to an email with a request for a new reciept. He refused and replied " this is a none reply email '' I had to call his office and verbally request a new reciept be sent.       XXXX   XXXX  went out of his way to talk down to me and displayed gross disrespect and lack of professionalism. All I want is the opportunity to clarify this issue.     I specifically asked  XXXX   XXXX  if I could dispute my debt and he refused to answer me. I now know this is a violatio n of U.S. Code 15 after seeking le gal assistance.
I am a victim of identity theft and the information inserted under XXXX XXXX in the amount of {$400.00} is a result of identity theft. I have never done any business with XXXX  XXXX. Please delete this account from my credit file immediately. As directed by 605B of the FCRA you are required to block and notify furnishers of this information.
Experian informed me that the United State Bankruptcy court provided them an/or reported my information to them in which I wrote the court to find out there procedure for verifying record with the credit reporting agencies. Experian still states that its been reported through XXXX XXXX or what they call a third party. Please look into this matter and not over this matter. Have a blessed day and thank you in advance for your time.
Hi there, Please help me! I am trying desperately to get accurate information on my XXXX! I am paying almost XXXX USD a year, I can never talk to someone and no one does anything, to resolve this issue! I have the feeling to be ripped off every of XXXX USD and nothing is done! 
I have filed XXXX business disputes, I have sent all legal documents to help resolve this issue. And nothing is done, as they keep on reporting completely wrong information, they are mixing our XXXX with an XXXX which has nothing to do with us! 
I have attached XXXX of the last business dispute emailI am so frustrated and I am seriously thinking to press charges! 
Looking forward hearing from you! 
XXXX
I feel I being charged a fradulent Mortgage Interest Rate ( Adjustable-Rate Mortgage ) for the past Three years. My ( ARM ) is the type that supposed to adjust with the current market rate and I feel I have bern over charged for the last Three years. 

What caught my attention about my ( ARM ) being inflated, is when I contacted my Mortgage Service Company ( Seterus Inc ) on Friday, XX/XX/XXXX in the evening. I was speaking to a employee at that company in regards to my extra amount if payment I was paying each month to catch-up on a One month payment of {$400.00} and at that time my regular monthly payment was {$2400.00}. But what got my attention was I asked the Customer Service Representative what was the current ARM rate and he put me on hold for a few minutes to do some research and calculation, he came back with stating the current rate was 3.09 % and mines was at 4 %, so I asked him why was mines so much higher, my ARM is supposed to reflex the market rate. I am struggling to catch up on the One month I am behind and afraid I could lose my home if this Mortgage Company keeps increasing my ARM with these fradulent Rates. 

XX/XX/XXXX ARM Rate - 4 % - {$2400.00} XX/XX/XXXX ARM Rate - 4.25 % - {$2400.00} would have been {$2500.00} if I didn't pay {$780.00} Escrow Shortage XX/XX/XXXX ARM Rate when down to {$2400.00} because I paid the escrow Shortage. XX/XX/XXXX ARM Rate - 5.37 % XX/XX/XXXX - New Payment {$2600.00} My balance of my loan is {$260000.00} I am struggling to pay the One Month I am behind if the mortgage company keeps increasing my Mortgagepayment and I can not refinance my mortgage to a regular fix rate if I can not catch-up. 

I have all the paperwork about the ARM adjustments. They are saying that my interest rate calculation is done by a index rate and adding a certain number of percentage points called margin and taking into consideration any applicable rounding and intereste rate caps of 3.10388 % and a margin if 2.25000 %. 

I need some help with this situation, I believe I am being taking advantage if and being over charged for the last Three years.
im working with XXXX XXXX to help repair my credit .little over a year ago someone tried to use my ss # i had to send information to the irs and other creditors so if you could please remove the hard inquires on my report i would appreciated thanks.
Transunion and XXXX are taking to long to update my personal information such as addresses and names, I already sent dispute letters 2 times but there is no response from them. seems like they do not care about my personal information to be updated in my correct address and name. Please help me up for they to correct my personal information
I sent a certified letter in XX/XX/2019 asking for verification and validation of the debt and they received it on XX/XX/2019 and it's been more than 30 days and now it's XX/XX/2019 and they the have yet to respond or delete from my credit report in which the Law requires them to do
Good Evening, My identity is at risk. I 'm a veteran that 's going through a tough time and needed my credit repaired. A guy offered his services to me and seemed like an actual business ( business websites, XXXX videos and other social media 's outlets ). I paid for the service of {$750.00} ( XX/XX/XXXX ) and followed his instructions to place a " freeze '' on my credit ( XXXX XXXX, XXXX, XXXX and etc ) and never heard from him again with no results. So I called my bank ( Navy Federal Credit Union ) on XX/XX/XXXX and asked if the bank would look into situation and they said they could not help. Then, I called the companies mentioned to have the " freeze '' removed and ask about how to submit a fraud alert to credit bureaus and later that same day the guy texts me saying I should see results soon. I 'm thinking since he 'd my information and probably could see if I removed the freeze at anytime, that would signaled him to start his next phase of fraudulence to contact me to keep me calm. 

I have all the texts and information I sent him, his name, email, phone number, business name and bank information ( but I would not be surprised if he changed all of this ).
Opened : XX/XX/2017 ( 5 mos ) Closed : XX/XX/2017 I never knew the card was opened, I applied for it but they didn't tell me that they was going to charge the card I applied for. I thought they charged the card I was using, then they sent the card to the wrong address and I knew nothing about it. I called them when I found out about it and I told them that I didn't authorize the card and that I knew nothing about it. They waved the fees but still charged me. I immediately closed the account.
I DO NOT RECOGNIZE THIS COMPANY nor the Original Creditor that's showing. I've disputed in both XXXX and XXXX and XXXX the account and it came back verified. I have requested method of verification on XX/XX/2018 and AGAIN in XXXX for this account of XXXX XXXX XXXX XXXX ( XXXX XXXX ) was told to contact the creditor. Based on FCRA 611 ( a ) ( 2 ) ( B ), I was supposed to receive all of the relevant information used in the investigation to " verify '' this as a valid debt/account belonging to me. I only received a notice telling me the account was verified and to contact the creditor. WHICH I HAVE and they have NOT been able to send me any valid documentation that they own or have right to any accounts belonging to me. If this is unresolved, I do plan to contact the XXXX XXXX XXXX and the FTC and FCRA about the false information that is remaining on my report without any validation or verification that it belongs to me. 

Experian mailed me a document stating the account was verified. I have requested METHOD OF VERIFICATION. Meaning what documented proof was given by the creditor to Experian that this account belongs to me. I have yet to receive any of this information other than a letter from Experian stating the creditor verified the account belongs to me. I need to see what and how this account was verified because I have not seen or received any PROOF of this from Experian or XXXX XXXX XXXX XXXX. XXXX and XXXX  have since removed this account due to the information being UNVERIFIED and I expect Experian to do the same.
I called XXXX 2017 to voice concerns to Wells Fargo Dealer Services that I was unable to set up my monthly payment online due to a system error on their website. I also told them that had recently been XXXX for military service. They told me that they understood the situation and I made my payment immediately over the phone. Two weeks later that marked my account 30 days delinquent. This is unfair due the fact that I was unable to make my payment online.
I have my credit monitoring by XXXX. I just received my 3 bureau credit report and Transunion information is not correct. I tried to file a dispute but wans n't permitted stating that I had a dispute in progress which I do not. This is hurting my credit.
I have a private student loan with Wells Fargo and I paid the loan faithfully for 4 years. The loan started out at about XXXX, and only reduced to XXXX after 4 years of payments at {$250.00} a month. I received a forbearance when I was enrolled in school for 6 months, then I was informed that my payment was increased to $ XXXXmonth. I called Wells Fargo numerous times in an attempt to resolve the issue and come to an affordable payment option but I was unsuccessful. I am in default at this time due to an inability to pay and lack of assistance on their end.
MY NAME IS XXXX XXXX XXXX. This company, or law firm, Eaton Group Attorneys LLC, is taking me court for XXXX, and I do n't know what they 're talking about. That was on my credit report, but these lawyers, just started sending me paper to pay a debt of {$1700.00}. I only get XXXX. from SSI, I could hardly pay my bills.The marshal came here with a summons for me to answer them, and I did. I went to the city courts, and got the Clerk of Court to stamp it she sent it to them, and I did too. After that they starting sending me papers saying that the judge had render in there favor, and they had wrote up a payment plan. This is what been going on since, I answered them XX/XX/XXXX. Now they have a Motion of Memorandum to compel discovery. They are saying that pursuant to rule 10.1 of the local riules of court a conference regarding some outstanding discovery on XX/XX/XXXX, and it was scheduled on XX/XX/XXXX and that I did not participate, well, I was most certainly did n't know anything about that of that. These people never contact me by telephone, after I answer them, they kept sending papers, The last one they sent, before I got summons to be in court on XX/XX/XXXX. has a bill from XXXX dated XX/XX/XXXX saying Minimun due {$570.00}, and New Balance {$1700.00}, That do n't show what I got. It have payment due date on XX/XX/XXXX.Then at the bottom of the page, there is a Payment certificate, look like something they printed out. I 'm not in any shape financially to pay these people anything. XXXX emailed me to get something with them.
I paid my XXXX XXXX account in full, however, XXXX XXXX reported that I paid in settlement. I contacted to XXXX XXXX who then sent me a paid in full letter. Yet, the 3 credit reporting agencies will not update this information on my account. I have included both paid in full letters to this complaint.