WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed this debt and on XXXX the agency removed it from my credit report. This company runs under many different names. I would get letter stating again, that I owe the debt. I would write back as required within 30 days stating I do not owe the debt, and requested proof that I owe it. I never received the proof, because I do not owe it. I sent the last letter out to their address and the letter was sent back to me, the letter was requesting proof that I owed the debt. Now, again, on XX/XX/XXXX, they are once again reporting it on my credit report. Mind you that this debt is from more than 5 years ago. They are reporting it as new, when it is not. In the state of Nebraska the statute states that the statute of limitation is 4 yeas, and mine falls under that category. I have explained to them I do not owe the debt, and the debt I had, I paid to the original creditor. Also, that I never lived at the address one of the services were provided. I am tired of this company reporting to my credit, and sending me letter from their sub companies in order to obtain money I do not owe. I have once again disputed with XXXX, and have decided to file this complaint. They have shady tactics to obtain money from a debt account they purchased. Originally it was with XXXX XXXX XXXX, I disputed it with them as well, then they " sold '' my account to LVNV Funding, Or Sherman XXXX, and its subcompanies. I need them to stop and not to " sell '' this account to someone else so I can go through the same thing all over again.
I explicitly declined a hard inquiry to my credit report when setting up XXXX satellite service ( via recorded line telephone on XX/XX/2017 ). XXXX stated they could pull a soft inquiry, and I agreed. Upon checking my report, I see they did in fact pull a hard inquiry, which is negatively affecting my Equifax credit score. Since I explicitly declined a hard inquiry because I knew it would impact my credit, I am asking the CFPB to be my advocate with the XXXX multimedia conglomerate,  who is not responsive, or set-up to handle these types of corrections.
We moved to east coast and do not have a physical Union Bank branch available to us so we called UB @ XXXX on XX/XX/XXXX and told XXXX ( extension # XXXX given to us ) in XXXX TX that we wanted to close our checking acct ( # XXXX ). We called UB again on XX/XX/XXXX and spoke to XXXX ( id # XXXX given to us ) in XXXX TX. XXXX verified that we had {$55.00} in our acct and that we would be charged for a cashier 's check to be sent to us for the remaining amount in our acct. We did not want to pay for a cashier 's check but XXXX told us that we had already been charged for one. We then spoke with XXXX ( refused to give us an id # or extension # ) in TX ( refused to say what location in TX she was in ) and she told us a check was sent to us on XX/XX/XXXX. We felt she was lying to us b/c we first called UB on XX/XX/XXXX to close our acct! We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX that we had not received a check from UB. XXXX verified that our acct was closed on XX/XX/XXXX and told us that it takes 7-10 days to receive a check for the remaining funds in our acct after it is closed. We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX TX that we had not received a check from UB and she told us that we had to go into a branch to close our acct. We told XXXX that we were on the east coast and there are no physical bank locations here for regular customers! We then called XXXX XXXX whom we originally opened our acct with @ the XXXX XXXX CA UB branch. XXXX told us that a check was sent out to us and we told her that we had not received one. After some going back and forth with XXXX, she asked for our phone number and told us that she would call us back but she never did! We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX that we had not received a check from UB and all she did was continue to put us on hold while she tried to find out what was going on, never giving us an answer. We called XXXX @ the XXXX XXXX CA branch again today ( XX/XX/XXXX ) and told her that we had not received a check from UB. XXXX told us that she had spoken to customer service the first time we called her and they told her that we had called them after we spoke with her. We told XXXX that we did not do that. XXXX continued to accuse us and told us that she could not do anything for us. We asked her if we should just go to XXXX and she said that she was trying to help us. We told XXXX that we did not feel that she was trying to help us! We told XXXX that we wanted our check. When she raised her tone of voice, we hung up on her and decided to make this complaint. We are tired of being lied to and getting the run around from Union Bank!!!
Auto Loan with Capital One, in XX/XX/XXXX I paid off my daughter 's loan I was the co maker on the loan with her. we purchased the Vehicle from XXXX at XXXX XXXX XXXX, XXXX XXXX, La XXXX at the time of purchase Gap insurance was applied to the loan. when we paid the loan off Capital one informed us that we were possibility due a refund of the unearned premiums due to paying off the loan early, I went to XXXX, to request a refund as indicated by the letter from capital one. XXXX filled out the attached request for the refund on XX/XX/XXXX..as of this date we have not received the refund nor any correspondence, I went to the dealership several time, only to be told it would take about 8 weeks. Almost 14 weeks and no response. I am of the feelings that no Gap insurance exist.
I mailed PMAB a letter requesting legal validation of this debt on XXXX/XXXX/2016. They have not responded.
I have received various requests for re-payment on a identified loan wit h Keybank National Association. Unfortunately, the primary borrower h as not been responsive to neither   XXXX   XXXX   recovery program,  Keybank  's collection efforts nor my communications to assume full responsibility in satisfying the loan obligation.   As the cosigner of this loan, I 've been left with little to no recourse in trying to remedy the situation with all parties involved. There were past attempts to try and see if, as a cosigner, I could completely shift the responsibility to the primary borrower. However, I was informed that the loan documents did not have the necessary loan provisions in order to transfer or allow for a cosigner forgiveness.   The situation at hand was originated out of a goodwill to provide hope so that a disadvantaged youth could benefit from the opportunity of going to college, receive an education and ultimately better themselves. As I experience the unfavorable results, I do n't take back my act of kindness, but wish I was in better circumstances to make good on the obligation, regardless of the youth 's success.   Today, the fact of the matter is that I now too find myself in an economic hardship. As a result of unemployment and new initiatives for self-employment, I can not continue to make good on the aforementioned loan. I have inquired into the possibility of some alternative programs for deferment and/or forbearance. After much effort, I have gained little ground in reaching a solution that is fair. It seems that the primary borrow continue to have all the rights to negotiate and do what they see is convenient for them, while I 'm stuck with the obligation of payment with no recourse. In hindsight the loan product seems predatory in design. I have humbly asked if not complete forgiveness, then the possibility of a 50 % settlement on the outstanding balance of the loan, which was denied.   After this ongoing scenario, my credit severely affected by it and it creating a hardship, while I 'm obligated to make monthly payments for the past year, I have been notified by the Loan Administrator -  XXXX , that a  XXXX  interest tax form can not be released to be because of IRS Legal rules. In short, I 'm responsible for paying, but ca n't claim interested on my taxes.   I 've have never felt so vulnerable, hopeless and a victim of predatory lending.
XXXX XXXX XXXX along with XXXX XXXX XXXX is the companies I am complaining about. Twice I have been turned over for collection for a debt that had been paid. I have been unable to work with XXXX XXXX XXXX as they are abusive and uncooperative. Upon receiving a letter for the collection of a supposed debt to XXXX XXXX XXXX, I called the company to explain that this debt had been paid within weeks of receiving the bill from XXXX and that it had been paid several months ago. I told them I would obtain proof and provide it to them but they kept insisting I owed the money and must pay it at the time. I was even told " if you paid your debts you would not be in collection ''. I got the proof of the canceled check and called again to tell them I would send it but the reprehensive would not listen and kept insisting I need to pay it NOW. I ask to speak to a supervisor, who of course was not available but would call back. The call back simply left a message that they would be taking legal action against me. 
My complaint is the abusive language and repeated harassing phone calls which have followed and the refusal to even consider that I might have proof of payment. I am filing this complaint with the Federal Trade Commission, the XXXX XXXX XXXX XXXX, the Arizona States Attorney General, and the Better Business Bureau.
I contacted US Bank in XX/XX/XXXX in regards to fraud charges on my credit card. I told the representative that there was a a long list of fraud charges on this card. About 62. I listed them individually. However, as time passed, I got a few letters with refund for about a few of those charges and I have not heard from US Bank again since XX/XX/XXXX about the rest of the charges or any final resolutions.

In addition, they sent me a few new cards .... and they all seem to relate to this account. So now in addition to not being addressed properly about the fraud charges, I have in my possession several different credit cards and I do not know which one is which or which refers to this account where the fraud occurred. 

Attached is the list of fraud charged. I have been calling US Bank trying to resolve the issue with no resolution. This bank is truly the worst.
In XXXX, I took out XXXX loans with XXXX XXXX, a private student lender. During the financial crisis, the company went bankrupt and the loan was sold off XXXX times and ended up being owned by Wells Fargo. Time passed and I graduated in XXXX XXXX. I was n't made aware of the multiple sales of my loans until Wells Fargo XXXX collections department called in XX/XX/XXXX XXXX. They harassed me and my parents with endless phone calls, threatening to take my parents ' home and sue me if I did n't make full arrears payments. I did what I could to make it work ; I got a new job and moved to a new city to earn a little more money ( my monthly payments on all my loans was around $ XXXX/mo and I only earned {$29000.00} a year. I made monthly payments but fell behind XXXX month. Within days, they charged off the loans and demanded payment in full. While they were threatening more legal action, I contacted attorneys, bankers, my legislators and the CFPB, and because my legislators and the CFPB contacted them directly, WF XXXX finally started to work with me on a repayment plan. 
Since that time, I have made consistent, on-time, in-full payments each month and have been attempting to rebuild my credit. I took a thorough look at my credit report recently and noticed Wells Fargo has been incorrectly reporting my repayment status ever since our repayment agreement was reached. It shows I 've been 90 days late at least XXXX times on each loan, and it 's simply not true. I 've paid on time each month, and have actually increased the payment amount I send them above our agreed-to amount. My credit report also shows that I have a past due balance on each loan, which is also inaccurate. Upon my initial contact with WF XXXX, the number of late payments showing on my XXXX credit report dropped from XXXX for each loan to XXXX for each loan, so obviously, someone at WF XXXX thought what they were doing was wrong, but those XXXX payments should still not be on my credit report. 
These specific items have prevented me from being able to get a small car loan from my credit union to replace my aging vehicle. Where I live, a person must have a reliable car to function - we do n't have good transit service. When I applied for the auto loan, I was told the loan was denied specifically because of these items on my credit report. 
I have attempted to remedy the situation by contacting Wells Fargo XXXX directly, but they claim they have the right to report my accounts in this way. I 'm not disputing the charged-off status of the loans ( though I do still think how they handled this was wrong in every way imaginable and the loan should still be in a normal status ). I am disputing the intentionally inaccurate reporting of my accounts as having been 90 days late XXXX times on each loan and having a past due balance on each loan. I would really like the CFPB 's assistance with the matter, because it seems it 's the only way anything will change.
I was victimized by Washington  Mutual  when I got me 6 % fixed f or 10 yr s in  XXXX . We all know about the crash. Now they went out of business a nd for 3 y rs I have been trying to g et Chase to  re fi. Now I have been working with a loan agent and this is what they offer. appraisal is  XXXX . Cash in to close is  XXXX . Loan amount would be  XXXX . This adds up to  XXXX . Really is this not a rip off. They want me to sign to a loan that amounts to  XXXX . Also their apprai sers are always low. So I will just sell when I can, never never deal with Chase, and go on with my business. Nice way to treat a vet. So I know you can not change them but I wanted to show you what they offered. Clearly they are taking advantage of me again. At my age, this loan would be totally crazy to take. Again, just another rip off by Chase. No wonder people hate to deal with them. They simply are about taking advantage of people to make MORE money for the father company. So this is my swansong to Chase. I  would not open an account with them if they gave me  XXXX  to do so. If they were the only bank to buy a home with, I would simply rent. Man, I can not believe they get away with this stuff.  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX
Been trying to resolve this issue with XXXX, XXXX XXXX, XXXX XXXX, XXXX, and all 3 credit bureaus for over a year now with no success. I have submitted them copies of ID to support when the XXXX XXXX XXXX was open inXX/XX/XXXX i was not living at the address nor was I of age to have a credit card account not today I am XXXX yrs old two years ago I between XXXX-XXXX years old. I have requested debt validation and all the creditors keep supplying me with are statements ; they have not supplied me a contract bearing my signature of an account that was open in the address I lived in at that time. Attached you will find my state ID which was issued XXXX which reflects my address at that time which is not the address where these accounts were opened, merchandise shipped, statements sent etc.
ON MY EXPERIAN AND XXXX CREDIT REPORTS : I have a fraudulent account, original creditor XXXX XXXX acct no XXXX. 
I have never ordered any product or service from this company.This account should be deleted for error of the creditor or someone has misused my information.I have NEVER received any merchandise from this company.
On XX/XX/XXXX, I sent a letter to Portflio Recovery Associates, LLC to dispute account ending XXXX on my credit reports. I did not receive a response to the first letter so I sent another letter on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates , LLC stating that in response to my dispute they have enclosed additional documentation for my review. The letter states that they have completed their investigation concerning my dispute and the attached documents related to the account establish validity. Enclosed with the letter is a statement for a billing cycle from XX/XX/XXXX-XX/XX/XXXX in the amount of {$220.00}. This does not validate the debt reported to the credit bureaus. The balance reflected on my credit report is {$890.00}. On XX/XX/XXXX I received two letters from Porfolio Recovery Associates, LLC, the first letter provides details of the original creditor and the second letter advises me that any any further correspondence received would be ignored if no new information to form a new investigation is included. This is not a debt I owe and did not have an account with XXXX XXXX XXXX.
We refinanced our home with XXXX, who sold our mortgage to SunWest Mortgage. We set up our mortgage on automatic payment, so there have been no late fees. 
An escrow account was set up as part of the refinance. We were supposed to have two months " buffer, '' and during the refinance, {$480.00} was placed in the escrow account, with {$300.00} escrow payment due each month to cover Homeowner 's Insurance, FHA Insurance, and County Taxes. We just completed our first year, and our property taxes went up by {$100.00} for the year. As of today, we had over {$700.00} in our account, which is more than the 2-month buffer. 
SWMC raised our mortgage from {$1300.00} to {$1400.00} and they claimed they want our " starting balance for the new year '' to be {$1100.00}, which is about 4-5 times the original 2-month buffer. 
SWMC claims it is for the upcoming year 's anticipated " shortage '' based on their " analysis. '' Our escrow only covers 3 items to analyze as previously stated : Property taxes, FHA Insurance, and Homeowner 's Insurance. The FHA Insurance is not going up. The Homeowner 's Insurance has no claims ( and has never had a claim in 10 years ), so its rates are n't going up. That leaves an anticipated increase in property taxes. 
From the time we refinanced until this year, there was a {$50.00} shortage in our taxes, which they just took out this month. 
Currently, we were told we have a $ XXXX balance, and our taxes are due in XXXX. SWMC wants to pay the taxes early ( in XXXX ), claiming that when they do so, we will be in the negative because they will also pay FHA at the end of the month. 
They raised our Escrow to {$310.00} ( from {$300.00} ) to cover the difference in taxes. Then they added another $ XXXX/mo on top of the adjusted escrow payment each month. The new escrow payment is high enough that it will cover ALL payments ( taxes, property insurance, and FHA insurance ), and by this time next year, the buffer will still be there. 
Basically, SWMC wants to add another {$500.00} slush fund at our expense, yet they have absolutely no mathematical or legal justification to take this extra {$500.00}. 
The Math : FHA Insurance {$150.00} X 12 months = {$1800.00}. 
Property/Hazard Insurance ( 12 months ) {$650.00}. 
Property Taxes ( 12 Months ) {$1300.00} TOTAL YEARLY REQUIRED ESCROW $ XXXX Monthly escrow amount needed to cover {$3800.00} charges : $ XXXX/month Current Principal and Interest payment : {$1000.00} + {$320.00} ( adjusted for tax increase ) TOTAL NEW PAYMENT : {$130000.00} SWMC NEW Payment : {$1400.00} If the $ XXXX/month payment shown above covers ALL escrow expenditures IN FULL, and borrowers still have the 2 month required buffer, how can they legally raise our payment an ADDITIONAL $ XXXX/mo. ( $ XXXX/yr ) above the newly adjusted, higher escrow amount?
RGS is reporting a debt in the amount of {$1200.00} that I do not owe with XXXX XXXX. They have reaged this acct on my credit multiple times. In addition. I have NEVER received any notice from them before this was even placed on my credit. I have no contract with RGS and have been corresponding with XXXX every since I closed my service in regard to pymnt arrngmnt on bill and I was told by cox that as long as I keep in contact I should not have to worry about this being on my credit which I did stay in contact. I was being charged for equipment fees and had to have an equipment form filled out 3 times in order to find equipment and they just found out. In addition to an etf ... that was removed due to circumstances. So this should not even have been on my credit until everything was appropriately assessed and calculated which it was not. I would appreciate this being taken off of my credit immediately because the actions that were taken to be placed on my credit was erroneous and illegal. I recently spoke with both XXXX XXXX and XXXX sup from XXXX and these fees attached to my credit has been confirmed to be incorrect with them, and should not be on my credit.
I applied for a Amex new business card but a personal card was approved instead in XX/XX/2018. I met all spending requirements but haven't received the promotion of XXXX points of the promotion offer. An explanation letter was mailed to me to explain it was due to a tech error for opening incorrect account in XXXX. I request the promotion offer be honored because of Amex system mistake.
I recently wrote a check to someone out of my Wells Fargo account. I ended up canceling said check because person waited to cash the check for six weeks. I could not remember the number of this check so therefore I canceled a range of checks. Well, 4 days prior to this I had written a check for my rent. I did not realize but the check that I had written actually was XXXX of the range of checks that I canceled. The only way that I found out about this is because the check did not come out of the account for over 3 weeks and I went to my WF bank to see what was going on. I also called my rental management company. The rental management company had actually cashed the check but Wells still has not returned the money to them because the check was stopped. I issued another check but that check on their end still has not been noted as canceled or returned or anything. It is odd to me that it took this long. I also could have had other items coming out so this caused me great distress. Please see if something can be done. Wells still does not have any details on the check other than it was submitted for depository on the rental property 's bank.