WillisBack/dataset-financial-user-claim huggingface dataset:
My wife has been receiving calls from  XXXX   XXXX   XXXX  ( account #  XXXX   ) a cting on behalf  of Cash Central on an a lleged debt that I owe. The issue is that I have NEVER taken out a loan with them. They advised that there are no stores in the  XXXX   XXXX  area where I reside, so this payday loan would have been done online which I can promise I did not do. I have been given the run around and feel that I have not been given enough information to dispute this debt. I also have not received ANYTHING in the mail from these people. When I asked  XXXX   XXXX   XXXX  for the address of Cash Central, I was told the first time that they could not locate it and the second time that their system was frozen. I was only able to obtain an account number ending in  XXXX . They also stated that the individual that obtained this loan put down their place of employment as  XXXX   XXXX , which I worked there, but not in  XXXX  when this loan was allegedly obtained as I have been employed with  XXXX  for 7 years. I was finally able to find a phone number for Cash Central and address (   XXXX   XXXX    XXXX ,  XXXX , OH  XXXX , ph #  XXXX  ). I followed the prompts, opti on 1,   opt ion 1 again, then option 2 for  past due status and then it hangs up each time. I had to find another way to get thru by constantly pressing zero, in which I waited on hold for a go od 25 minu tes to only get some new person that advised me that they were unable to release their corporate address, just the billing address to send payments per her supervisor. She then advised that the account was taken over by  XXXX   XXXX ,  XXXX . I called them and they told me that the account was recalled back by  Cash Central   X/X/2014  and they misdirect calls to them all the time. Me and my wife are in the process of building a new home, and I WILL NOT keep dealing with these people, and I definitely wo n't be calling them back a 3rd time just to wait on hold for another 25-30 minutes to get someone on the line just to give me the run around again. I need some help here please!!! This is not my debt and I have not been given the proper information to dispute it. In my opinion, they have the burden of proof, not me. My social is  XXXX .
I pulled my credit report on XX/XX/XXXX. I found several errors and items I disagree with. I proceeded to contact XXXX   XXXX and Equifax in writing about these issues in an effort to get them corrected and removed. On XX/XX/XXXX I mailed a written notice to Equifax, XXXX and Equifax. The following items were not properly investigated, in my opinion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX On XX/XX/XXXX I mailed another letter to XXXX, XXXX  and Equifax requesting a re-investigation be done as I believe strongly that if they actually investigated this account, it wouldn't have been able to be verified. On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX for which they did not properly investigate the account either. XXXX XXXX continued to refer to the account as an auto loan when there was no advancement of article or monies ; just as well the agreement states it to be a credit sale in accordance to the retail sales contract. 

I then contacted XXXX XX/XX/XXXX when they supposedly investigated the account yet deemed it as reporting correctly and then again on XX/XX/XXXX when I noticed more errors regarding account XXXX which I never agreed to. The transaction history shows a new account was open on XX/XX/XXXX although it reporting to Equifax as being opened XX/XX/XXXX. XXXX claims their reporting to be correct yet have not provided an agreement for the alleged account number XXXX nor will they correct or remove their incorrect reporting. 

XXXX has also failed to mark these accounts as in dispute as required by FCRA.
Citizens bank continues to take money off of me for a service fee but failed to tell me they were even taking any money from my account! 
I want my XXXX cents back from them and then to completely close the account, get my money out while I close my account and be done with that bank indefinitely
On Monday, XXXX XXXX my husband deposited an insurance claim check from our home owner 's insurance company XXXX XXXX in the amount ( approximate ) of {$8000.00} via the ATM at our local branch location in XXXX XXXX, TX XXXX. By XXXX the following morning, I received a notification that my account was overdrawn by several thousand dollars. Upon calling the number on the back of my debit card, I was told that the check deposited was missing my signature and the signature of the XXXX party which happened to be Chase bank and it was the bank 's policy to debit my account the amount of the deposited check until all required signatures were captured, and that until I received a copy of the check ( within XXXX48 hours ) my account woudl remain a negative balance. Infuriated, we contacted the branch manager at the location the check was deposited and continued to receive the run around as to why this happened. We have been told for 4 days now that this is the " bank 's policy ''. At this point, we are dumbfounded. This absolutely makes NO sense. We understand that we made a mistake on the endorsement but logically Chase should have not released the funds to us INSTEAD of debiting our account the amount for the check. Since then, we 've had various bills and miscellanous debits from the weekend post to our overdrawn account and we 've been assessed {$34.00} insufficient fund fees accordingly. We are currently in the process of working with the local branch to rectify this situation but I 'm hoping that by filing this complaint, a sufficient explanation can be provided to me regarding this " bank policy ''.
I called the debt collector asking for their mailing address to send payment. They not only refused, but insulted the way I was talking to them ( accused me of talking in a monotone voice ). The debt collector, XXXX XXXX, said " I sound like a serial XXXX  '', which I am not. I owe them the money, but this debt collector can not disrespect me on the phone. Their phone number is XXXX. This is not acceptable, to me.
I have disputed this account on my credit report with Equifax only to receive the same message stating : " Account information disputed by consumer, meets FCRA requirements ''. This account has not been properly validated. I have faxed a method of verification to XXXX Credit reporting agencies only to receive the same old response. I have also faxed to the collection agency a debt validation letter requesting asking for signed documentation with my signature on it that I agreed to pay whatever dollar amount the company is seeking along with a host of other request to go along with my signature. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX or XXXX file # XXXX. This is not my first time disputing this account. By the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that there claim is disputed and validation is requested. This is my final attempt to resolve this matter and I will not stand to get another pointless response stating it was verified when I no that to be false. I am in the process of purchasing a home and this account is damaging my credit score. I have reached out long enough only to not get any cooperation from Equifax. I have attached the final fax confirmation page that I sent to midland credit asking for validation. Also, the validation request letter.
These accounts are being illegally reported on my credit report. On XX/XX/18, XX/XX/18, and XX/XX/18, I formally disputed it directly with Transunion in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!
This {$500.00} fee From XXXX XXXX just came out of absolutely nowhere i have no clue what it is for or where it came from. For one i can not pay it because it is way to big of an amount being that I am XXXX years old having to deal with these crippling creditors because of a broken medical system, also it is destroying my credit. It says it was reported on XXXX XXXX, XXXX with the original creditor or XXXX XXXX XXXX
In XX/XX/2017 days after Hurricane Irma, we received an email from Loan Depot asking do you need a three month natural disaster forbearance, reply back yes or no. We replied back YES. it was that easy. Too easy in retrospect. Our mortgage payment is $ XXXX/month so that money allowed us to make repairs after the hurricane. 

Three months later we were offered a natural disaster modification from Loan Depot however, that modification raised the interest rate on our VA loan and and charged various fees. Instead, of accepting that proposal we informed Loan Depot we didn't want a higher rate, we took out a personal loan, got caught up on the three payments. However, when I called today, I was told we were not removed from the modification program and I have to request that we be removed and fees refunded. 

No where in a single piece of paperwork ( and I saved every single one ) did Loan Depot ever disclose they were going to raise the interest rate 1 % higher rate. Nor did they disclose there would be other fees. They made it easy to get in the program and now getting out, even though we are caught up, is next to impossible. I can only imagine if we are having these issues, so are a lot of other veterans. I think Loan Depot expected us to just refinance again to get the lower rate that we had initially. It seems predatory to us and takes advantage of not only a natural disaster but also veterans.
USAA froze my account until we paid them {$1700.00} leaving me only {$80.00} to feed my kids. Saying it was due to fraudulent claims, which I had no notice of what so ever. So to unfreeze my account they forced me to pay. So they took my money and I cant even provide for my family.
I am in the process of trying to purchase a house. As an individual who is XXXX, securing a mortgage is difficult. So, XXXX of my goals in this process was to secure down payment assistance through the Ohio XXXX XXXX XXXX who uses US Bank as the loan servicer. Long story short US Bank changed the eligibility criteria by raising the credit score XXXX points. So, many are no longer eligible or will have to delay becoming a homeowner. Naturally this action hurts the consumer client base that down payment assistance is suppose to help. The justification US Bank offered by the action is an increase in delinquencies on FHA loans when credit scores fall below XXXX. So the new consumer is being penalized. From my perspective the solution should be proactive not punitive. And certainly not by punishing the innocent. Raising a credit score by XXXX points can take months, even years since the reporting credit bureaus seem to have this conspiracy to raise scores painfully slow XXXX XXXX points/month ) while simultaneously allowing a score to plunge by XXXX points in one month because of XXXX single action like seeking pre-approval for a home mortgage loan. ( I believe that is known as an inquiry. )
I have disputed the Federal Tax lien on my credit report with all XXXX reporting agencies and only XXXX has removed it permanently. I contacted TransUnion last XXXX 2016 and furnished proof of Release of the tax lien and they did not remove it from my file.
There are several accounts reported on my credit from XXXX that are not my accounts. I was a victim of Identity theft in 2013. XXXX will not remove the items from my reports.
I 'm trying to close my late brother 's checking account at TCF Bank. I am the executor of his estate. I sent a letter requesting the closure with instructions for payment, along with original embossed seal copies of the death certificate and letters testamentary from the court. I 've called twice after sending the letter, and have been told they 'll contact me, but nothing. It 's been a month, which seems like more than enough time for this. They have my street address, email address, and phone number, and have n't reached out to me once with an update.
This is the fourth complaint I have made about this exact same matter. Please be more useful this time and do n't stop investigating just because Wells Fargo tells you to. For at least 2 years Wells Fargo has an open checking account in my name ending in XXXX. Wells Fargo opened this account without my permission or knowledge. This account has received thousands of dollars in deposits from a person named XXXX XXXX. Wells Fargo refuses to close the account and refuses to allow me access to the funds deposited. I have visited a branch and told them to remove my email and they put me on the line with someone who tells me that they do n't have my email address and therefore ca n't be sending me emails. They are lying. THE EMAILS ARE INDEED LEGITIMATELY FROM WELLS FARGO. Every email links directly to Wells Fargo 's legitimate website. The payments to the fraudulent account used to come from Wells Fargo XXXX. After XXXX was shut down the payments began coming in from XXXX. I have begged, pleaded and made multiple complaints with Consumer Financial Protection Bureau and Wells Fargo still refuses to close this account. Clearly, they do not respect or fear you. Please resolve this situation by either ( 1 ) forcing them to acknowledge the existence of this account and forcing them to close it, or ( 2 ) forcing them to give me all the funds that were deposited into this account since it 's opening AND then permanently close the account. See the attached emails for the latest batch of notifications I am getting for payments deposited to the fraudulent account. Be advised that over the past 2 years, I have complained about this same account to CFPB and made other emails available to you. The emails in this complaint are just the latest and not the entirety. This morning the account had 2 transactions for {$80.00} each deposited.
This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all three credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA . It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.
This company called Portfolio Recovery has continued to harass me about debts from closed accounts that were the result of identify theft that happen over 15 years ago. A police report was filed when my wallet was stolen and everything had been taken care of at that time and the accounts closed, but in recent months this company seemed to have ran my social security number for debts I have informed them that I do not owe and have possibly put them back on my credit reports which I now need to check. They also made a call to me a few minutes ago which was after XXXX XXXX  Eastern time which I know is not legal and made continued calls to me while Im at work and late hours using different phones numbers that show on my caller ID coming from different states. Although I have continued to tell them these accounts are not mine and they could not collect from accounts from thar long ago they have continued to call almost every day and sometimes 2 or 3 times a day from different numbers for over 6 months now. Tonight was just too much and just all I can put up with and I felt I needed to file this complaint. Also there is another account they have been trying to collect from, but their was not a link or room to list an additional account Portfolio recovery is trying to collect for. It is from XXXX that is over 15 years as well. Your assistance would greatly be appreciated.
I have a home improvement loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX WISCONSIN XXXX. My payment for the month of XX/XX/XXXX was 3 weeks late the day after I paid the bill. I received a notification from my credit monitoring service that XXXX XXXX XXXX made a hard inquiry to my credit report and my wife 's credit report. My wife contacted them about making hard credit inquiries that affect our credit scores for a bill that was not 30 days late and was paid the same day the hard inquiry was made. They told her they are allowed to make hard inquiries on our credit report without authorization to do so because we have an account with them and that it is in the loan contract we signed. I don't think this is legal. I want those hard inquiries removed from my credit report.
XXXX / XXXX / XXXX  {$3200.00}  XXXX / XXXX / XXXX  {$25.00}  XXXX / XXXX / XXXX  {$440.00}  XXXX / XXXX / XXXX  {$4000.00}  XXXX / XXXX / XXXX  {$370.00}  XXXX / XXXX / XXXX  {$15.00}  XXXX   XXXX / XXXX / XXXX  {$22.00}  XXXX / XXXX / XXXX  {$510.00}  XXXX / XXXX / XXXX  {$43.00}  XXXX / XXXX / XXXX  {$47.00}  XXXX / XXXX / XXXX  {$53.00}  XXXX / XXXX / XXXX  {$1200.00}  XXXX / XXXX / XXXX  {$2000.00} THE COMPANY AMERICOLLECT ADD THIS ACCOUNT TO MY CREDIT FILE THIS IS NOT ME, I being talking to the company and not much is resolve
EQUIFAX LIED TO THE CFPB IN CFPB # XXXX. ( PROOF ATTACHED ) THE XXXX XXXX XXXX XXXX ACCOUNT HAS BEEN RE-AGEDILLEGALLY WITH THE HELP AND BLESSING ( COLLUSION ) OF EQUIFAX.THE ACCOUNTXXXXXXXX # XXXX HAS AN ORIGINAL DATE OF XXXX DELINQUENCY OF XX/XX/XXXXwhich is correct and there exists no proof in this world otherwise.This was verified byequifax and XXXX XXXX XX/XX/2015.the changes made to this record are erroneous on their face ... the date of first delinq., date of 1st major delinq., and date of last pymtare all the same, which is a real world impossibility in credit reporting that equifax shouldknow if they are competent.EQUIFAX HAS LIED TO CFPB AND VIOLATES FCRAWITH IMPUNITY.THE ACCOUNT IS TOO OLD TO BE REPORTING, NOW OVER 7 YEARS SINCE THE DOFD.
The Great Lakes Student Loan is making us repay thousands of dollars on the loan. The interest was tacked on to the back of the loan but no other option was given. We were forced to sign documents that had interest on added to the back side of loan with no mention of other repay could be under someone else.
This is my 9th complaint Re : Select portfolio and their illegal unethical tactics- I filed my 7th complaint with CFPB re : SPS on XX/XX/XXXX COMP # XXXX and SPS never responded to me or to CFPB. I would like my complaint answered by SPS- My last complaint filed about SPS -COMP # XXXX was filed on XX/XX/XXXX at approximately XXXX. In that complaint one of the many issues was the different foreclosure dates between Sps and the company they hired to foreclose XXXX XXXX. I also provided documentation of the inconsistency and how they notify me by sending numerous letters some by register mail an some not advising of the postponement of sale- however the last sale date of XX/XX/XXXX was postponed to XX/XX/XXXX and never was notified by Sps until 2 days after I filed COMP # XXXX. The notice dated XX/XX/XXXX stating sale date was postponed to XX/XX/XXXX- ( see attached documents ) Why a 3 day postponement? On XX/XX/XXXX approx XXXX XXXX XXXX ( SPS employee -Obudsmen Department ) called and left me a voicemail stating " his name -he was calling from sps ombudsman and to call him back at re : a very important call -call back @ is ( XXXX ) XXXX press # 3 XX/XX/XXXX apprx XXXX I called the number back and spoke with XXXX XXXX with obudmsman -I asked for XXXX XXXX she stated he was not  available - I advised her of the message he left - she then asked to put me on hold- came back a few minutes late did not know what XXXX had called for I stated he said it was important -she did not see any notes on what he called for - asked if I had any questions re : the complaint that I made. the only question I asked was what date of sale did she have she stated XX/XX/XXXX I would like to know why the message about important call was made? was it to get me to call?? XX/XX/XXXX I received from sps another notice of sale postponement -new sale date XX/XX/XXXX Sps has still never answered many of the quality written repose requests- never addressed the falsifying documents -never addressed the hamp denial I have provided multiple evidence that they do not have the legal authority to do what they have done and are still trying to do. and again Provide an answer to complaint I filed with CFPB on XX/XX/XXXX as I never received a response nor was one provided to CFPB COMP # XXXX
This is the second complaint I have filed against this company. They continuously report a debt that has already been paid. I have requested validation that this was not paid and they have failed to do so. I have requested a bill supporting the charges for the services they claim have not been paid and they have failed to do so. I provided my proof showing the bill has been paid in full TWICE via mail and fax and this company has failed to remove their collection from my credit reports. ARS keeps sending me a letter with an invoice number and an amount owed and as I have told them multiple times THAT IS NOT VALIDATION! At this point if this is not removed I will be seeking legal representation for misrepresentation. This company continues to violate my rights under the Fair Credit Reporting Act by not providing me what I have requested. If ARS can not provide valid documents showing this was not paid, then I want it removed immediately.
Acct # XXXX Our lease was up in XX/XX/XXXX. In beginning of XX/XX/XXXXXXXX XXXX is stating account current and payments made in XX/XX/XXXX and XX/XX/XXXX then behind and trying to forward the account to XX/XX/XXXX. Also a payment in XX/XX/XXXX sometime. Then charging it off this past month. Date should be when account ended/last payment. Disputed it and nothings changed. I have proof of lease termination/turn in. They should have to show proof of payments in order to up the fall off date 4YRS. Experian should know better. 

Per Experians own site- The original delinquency date is the date the account first became delinquent and was not brought current. This date is used to determinewhen the late payment information is deletedfrom your credit report.
EQUIFAX GOT AN OLD COMPLAINT AND RESPONDED TO THAT I WAS SPEAKING ABOUT A NEW COMPLAINT FOR ONE ACCOUNT WHICH WAS THE XXXX XXXX IN WHICH THE COMPANY DID A CANCELLATION OF DEBT I SENT THE NOTARIZED DOCS THE RESPONSE THEY SENT BACK WAS FROM AN OLD COMPLAINT THIS COMPLAINT WAS ONLY FOR ONE ACCOUNT WHICH WAS XXXX XXXX NOT MULTIPLE ACCOUNTS ONLY ONE THE ONE EQUIFAX RESPONDED TO WAS IN XX/XX/XXXX THE ONE I WAS TALKING ABOUT WAS XX/XX/XXXX THIS WAS THE WRONG AND ALSO AN OLD COMPLAINT responded Status Company responded Closed with explanation on XXXX Response Type Closed with explanation Company 's response *Equifax has reviewed the complaint and its records. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *No follow up actions are required in further response to the complaint. Equifax has reviewed the complaint and its records. The following disputed items are currently not reporting on the Equifax credit file : XXXX XXXX, XXXX XXXX, XXXX and XXXXThe additional disputed inquiries are currently not reporting on your Equifax credit file.Written confirmation was mailed on XX/XX/XXXX.