WillisBack/dataset-financial-user-claim huggingface dataset:
The aforementioned credit agency representing  XXXX   XXXX   XXXX  has violated the FCRA and  HIPAA by  not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. I have not sign or even authorized anything to the compa ny. If Collection Service of Athens does not have any documentation, they need to remove this from my  credit file immediately.
Every so often XXXX XXXX XXXX sells they inventory to other agencies or affiliates trying to collect on a 12 year old credit card debt that was previous discharged. I have made several attempts at quashing the companies, but they are too many to continuously having to write to and asked to cease and desist. Listed among their current agencies are : 1. Resurgent Capital Services L.P 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX , XXXX  5. Resurgent Capital Services PR, LLC 6. XXXX   XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX, XXXX 8. XXXX XXXX  10. XXXX XXXX XXXX XXXX. XXXX  , XXXX   12. XXXX XXXX XXXX, XXXX 13. XXXX XXXX XXXX
In XXXX my daughter who was attending the XXXX XXXX XXXX took out a Sallie Mae loan for {$11000.00} that I co-signed. Long story but I think she was XXXX class short of graduating. She is XXXX for XXXX XXXX and not making her payments of {$170.00} per month. This is causing me great financial hardship. I am wondering what recourse I have. Even if it involves legal action against my daughter. I just want to know my options and I think that Sallie Mae is the XXXXXXXX XXXX spawn. I do n't trust anything they tell me. They just throw you into a loop of lies and telephone holds. Hence, I am asking you.
My complaint is with Equifax. I was the victim of fraud. I have a number of collections listed on my report from over 7 years ago that do not belong to me. I filed a police report and submitted it to Equifax but they are still refusing to remove the fraudulent items from my report.
Over 7 years ago, I was 30 days late on a payment with a Sears card. It was paid off in full, but is STILL reporting as 30 days late on only XXXX of the bureaus and they wo n't remove it even though it was over 7 years ago. It 's the only derogatory thing on my report.
I ordered XXXX a cryptocurrency from Coinbase and have not yet gotten my order. The order was placed on XX/XX/XXXX and was promised XX/XX/XXXXand I have yet to receive the order. These cryptocurrencies are highly volatile and can cause financial loss. I have reached out to the company multiple times and have not gotten a response. This is unacceptable.
TD Auto has flagged my credit as a charge off with a XXXX balance stating that I paid less than the original contract when I paid what they told me was owed. The dates for this account was XX/XX/2011. This company never noted the good payment history stating that I was just the co-signer, but always reports the negative payment history.
I had XXXX private student loans serviced through American Education Services ( AES ). In XX/XX/2016, AES sold XXXX of those loans to XXXX, and I now pay them through XXXX. The problem is that this sale doubled my monthly payment on these XXXX loans : I used to pay just {$50.00} a month to AES ; now I have to pay {$50.00} a month to both AES and XXXX. This may not sound like a big deal, but I have XXXX other, larger student loan payments every month as well, so this new payment is creating a financial hardship. It seems highly unfair that my monthly payment can be doubled due to the internal business workings of my loan provider, and not any action I 've taken or could have taken. Is there anything I can do about this?
I have contacted Transunion by telephone and by mail on five occasions. I have an active fraud alert and credit freeze on my credit report, however ; inquiries and unsolicited credit offers continue to occur. I was told by Transunion that I must have a police report to remove fraudulent inquiries that I did not authorize. As a credit reporting agency, Transunion should not provide a copy of my credit report without my consent to creditors unless i have an existing relationship with them. The following inquiries were not authorized by my and I demand that they are removed. I believe that Transunion is discriminating against me based on my gender and ethnicity. I provided Transunion with dates and the name of each company. I did not authorize these inquiries. <P/>XXXX XXXX XXXX VIA XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
My credit card balance was overpaid in the amount of XXXX. When I asked them to go ahead and credit back to me electronically, via the same means that they received the funds from me, they told me that was not possible. My credit card amount due was at a balance of {$0.00} at the time that they took the payment from my account. I need the money back promptly as I understand is within my rights, as stated below : " Other billing rights Businesses that offer " open end '' credit also must : give you a written notice when you open a new account - and at certain other times - that describes your right to dispute billing errors ; provide a statement for each billing period in which you owe - or they owe you - more than XXXX dollar ; send your bill at least 14 days before the payment is due - if you have a period within which to pay the bill without incurring additional charges ; credit all payments to your account on the date they 're received, unless no extra charges would result if they failed to do so. Creditors are permitted to set some reasonable rules for making payments, say setting a reasonable deadline for payment to be received to be credited on the same date ; and promptly credit or refund overpayments and other amounts owed to your account. This applies to instances where your account is owed more than XXXX dollar. Your account must be credited promptly with the amount owed. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request. The creditor must also make a good faith effort to refund a credit balance that has remained on your account for more than six months. ''
I have several CD 's at GE Capital Bank XXXX online bank ). They are maturing at different dates in the month of XXXX. A month prior to each of the CD maturity dates, GE sent me an email notice informing that my CD would mature within a month and that I needed to contact them by phone to give them instructions on how to disperse the money. In the absence of my contacting them, the money would automatically rollover into another CD of the same maturity length of time. After I received the emails I called GE to request, upon maturity of my CDs, that the principle and interest be deposited into my online saving account and not to automatically roll the CDs over into another CD. The GE representative informed me that they could not process my request until the actual maturity date of the CD. However their previous email is misleading in that respect. It implies that I could call them at any point between the time that I got the email to the time of the CD maturity. Below is the copy of the email that they sent me : This notice is to inform you that your XXXX CD Account with GE Capital Bank is due to mature on XXXX/XXXX/2015. 

Please contact us by the maturity date with instructions on how you want to renew your CD. If you do not contact us, your entire balance will be automatically rolled over into a XXXX CD. The interest rate and the annual percentage yield ( APY ) have not yet been determined. Please call after the maturity date listed above for the current renewal information.
We submitted for a loan modification and every day we asked if there was a sale date. Just last week we were told that there was a foreclosure sale date on on XX/XX/XXXX 2017. We have to work with an assigned loss mitigation representative at Shellpoint mortgage and her name is XXXX XXXX which is never in the office. We have been submitting the same document ( Annual HOA bill ) for weeks and now she says it does n't state if it annual but clearly at the bottom of the page it does. Everyone we talked to said it met the requirement and were very helpful with what they thought we should do so we did all of it. All the paper work has been sitting in the office and XXXX XXXX is fully aware of the sale date and we are going to lose our home because she is n't in the office. There is a complete loss mitigation package everything and more in the office and she is n't in to review the package. We have offered to do a repayment plan or even a forbearance plan but were told it would take too long to get the figures from the attorney, however we have been saying we would go that route for two weeks. We are willing to do what ever it takes to save our home. We have not received any documents from Shellpoint mortgage in regards to missing documents what 's require we were even told to XXXX the HMDA paperwork to find it online. No ten day letters, no incomplete package letters, absolutely nothing. We just want a chance to save our home we are employed and can afford our mortgage we just got behind because of circumstances we could not control. We have resolved everything and are more than willing to do what ever we need to do. Please we need help to save our home or someone to listen and do what it is that needs to be done.
Attempting to enroll in an online fee negotiating service that requires access to my online banking information on a " view-only '' basis, and Capital One will not grant access.
I looked at my credit report in XXXX. I had a Target charge off for {$860.00}. XXXX also had an account for this listed on my credit report. I had a Target card several years ago but it was a very small limit and nowhere near XXXX. I call Target at XXXX and told the rep what was going on and they told me to contact XXXX. I then contacted XXXX. They had no information on the account and could n't tell me anything about it. From this they removed their entry on my credit report. Since I could n't get any information from XXXX I called Target back at the same number. When I would call the rep would tell me they needed to transfer me to another department. They would transfer me to a line that nobody would ever answer. This was done 5 times and each time I stayed on hold over XXXX minutes and each time I called back I was told I was being transferred to another line and would n't have to wait. Finally I called and a lady gave me a different number to call. It was XXXX. I then called this number and they told me they could n't help me because they could n't find any information so they gave me a different number. This number was XXXX. When I called this number they said they could n't help because they had no information and to call XXXX. I told them XXXX did n't have any information either and removed their entry from my report because of it. After over XXXX calls to Target I was told me to mail them a letter. I forgot to mention this but I had previously disputed this account XXXX. All XXXX said that Target confirmed the debt. I then mailed a letter to Target on XXXX XXXX that they received on XXXX XXXX. This letter informed them of everything that had happened and asked them to investigate the amount owed and it 's validity. I have yet to receive anything from Target. Per the FCRA XXXX Target had 30 days to investigate and respond to this but they have not. I 've given them over XXXX days between phone calls and certified mail. I would like this account removed from my credit reports or I will file suit.
On XXXX, I went to my bank ( Wells Fargo ) to withdraw money. I completed a withdraw form and then I was told by my cashier named XXXX I could not get the money because that amount was on hold, she then called the manager and the manager said come back next week because the check that I had deposited earlier was on hold. I went back to the bank on XXXX to withdraw the amount that should already be available and so I withdrew the {$5000.00}. At this time I found out that there was another {$5000.00} that was withdrawn previously. So I questioned how and what and was told that it was withdrawn on XXXX. I explained to the employee that I was not able to withdraw on that day because there was a hold and even the manager said I can not get that amount and for me to come next week. After that day I kept calling the bank and reporting my funds missing. The investigation was denied and I requested the surveillance. I went to the bank and watched the camera video and that video just showed that i gave the deposit slip to the cashier but no money exchange was shown in there. After that I kept calling and trying to get another investigation but everything was denied so I decided to take them to small claims court. On XXXX at XXXX, held at the Superior Court of California was my case. It was me against Wells Fargo. I explained everything to the judge and then the Wells Fargo attorney played the surveillance video showing that on XX/XX/XXXX the cashier is handing me the money. I was then shocked because there is no way that video is accurate. I never got any funds on that day. Then I told the judge that this video is sabotaged and it must have been switched to when i did actually get money on XX/XX/XXXX. The video looked odd itself. The video does not even show the manager speaking with me on that day. It seemed that it was either sabotaged or switched pictured at the handling of money. I did not know what to do or say. I told them to put those two dated videos on XX/XX/XXXX and XX/XX/XXXX together, and that why they are only showing that one day. I told the judge it was impossible and he said he will do further investigation. A few days later I received a letter in the mail stating that i lost the case. I am deeply upset and XXXX out from this situation. I have been accused of taking my own money when i did n't. I trusted Wells Fargo with my money and this is what happened. I did not know what else to do so I decided to write to CFPB. Hopefully I can get some help from you. Hopefully someone can get a hold of the video surveillance on those two days and compare and also other videos around the bank that can be added together for some proof. I believe that someone either stole my money and tried to cover up by sabotaging the videos or it was an error done by the cashier but was also covered up. Please help any way you can. Its not a few dollars its {$5000.00} missing from my life. Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXXFederal Consumer Protection BureauTo Whom It May Concern : XXXX XXXX 2014 XXXX Mortgage sold my mortgage to Carrington Mortgages Services XXXX. From the mortgages Origin to this date I have never been late or missed a payment. 

Recently I have tried to refinance some of my properties and having pulled my credit report my Banker noticed in the comment section of all three agencies " Mortgage in Forbearance '' I called Carrington to find out why this was on my credit reports and I was told I had to make a written request for an investigation. I asked to speak with a supervisor to explain why they could n't tell me why a mortgage that has never had a payment missed would have such a notation on it. After being put on hold for 15 minutes the attendant said to me that there were a number of mortgages recently bought that had errors noted on the reports. He said I would be receiving a letter explaining this and the credit reporting agencies would be updated with that correction and removal of the erroneous comment. I asked for an email of the letter and was told they could not do thatTwo and half weeks have passed with no letter in the mail. I called today and was told I would have to send a letter requesting the letter they said they would send 2 weeks ago. 
I flat out refused and asked to speak to a supervisor. Again being put on hold for 15 minutes the attendant came back to say that he sent the request to the document department and I should be receiving the letter or their error in several days. 

Since my first contact with this company I have been treated like some kind of deadbeat. First by their greeting on the phone of " We are a debt collector attempting to collect a debt '' and subsequently their comment on an otherwise pristine credit report. XXXX times after asking to speak to a supervisor the attendants returned to say I did n't have to do what they insisted I do to get an answer in the first place. 

This is no way to treat a customer and to do fair business. My hope is that Carrington Mortgage Services is reprimanded for their failures to service me as good customer, treat me fairly and with respect. Needing to demand to speak to a supervisor is no way to get simple requests like an explanation or a letter explaining fault. 

Thank you, XXXX XXXX XXXX
XXXX XXXX, XXXX case number XXXX from SLS Morgagae That I did not pay Ferbruary XXXX XXXX payment to XXXX Bank I did make a payment on XXXX XXXX XXXX
I have disputed multiple times with XXXX, Equifax and XXXX regarding the inaccurate reporting of XXXX. 
These inaccurate accounts continue to be reported and they are not mine. 

XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX Opened XX/XX/XXXX {$1000.00} Original creditor : XXXX
XXXX XXXX reported that I had a history of payments 31-60 days. This was an auto loan I took out for my ex-husband XXXX. I always made timely payments. During our separation/divorce period he took over payments and should have the title and paid it off. If my credit is showing late payments due to XXXX XXXX XXXX, I need to know about this and see if I can do anything about it.
1. Reporting incorrect credit score from XXXX, property manager, Experian and XXXX. 

2. XXXX tenant screening report showing incorrect current address as XXXX XXXX XXXX XXXX. This is a previous address. Current address which is XXXX XXXX XXXX XXXX XXXX XXXX is reported as previous. 

3. Under eviction search, XXXX/Experian shows 2 items. Item # 1 has been satisfied and should be completely removed from reporting. Item # 2 did not involve me as i was not the tenant. The plaintiff erroneously included me in the action. I was never a lessee of this property in question. The lessee/defendant was the plaintiff 's son. This should be removed entirely.
4. Under credit information bureau, medical payment data, collection amount of {$120.00} has been paid in full and should be removed from my report.
I was a customer of Wells Fargo bank in XXXX, Mt. XXXX since XX/XX/XXXX or XX/XX/XXXX, checking accounts, bought 3 houses, sold and when I bought the last house owned it for 4 to 5 years, never late on payments, but got real sick, could'nt make payments, so tried to sell & rent it out till I was better, they would not work with me at all, so I had I to get a lawyer to help me, anyways Well Fargo sold the house had no problem selling it. I even payed the them more then my mortgage payments at times and still made payments even when I was'nt living there anymore, so I say between a renter that moved and me still making payments nobody living there got to point I just could do it anymore, so closed all my accounts between XX/XX/XXXX to XX/XX/XXXX?? so obviously I moved out, since then Wells Fargo has sent me a settlement check stating it was for a class action for {$10.00} to {$14.00} dollar, then sent, then sent me a credit card to use which I never asked for with a {$10000.00} credit line which I have never used still have it just filed it just thought it was strange and this was to my new e-mail & address and was sent XX/XX/XXXX sent me a email stating from WFsettlement.com for a XXXX   XXXX lawsuit ..I never deleted so if you need a copy of it let me know..If I got something coming to me that would be great, if not oh well ... confused!! and Thank You for your time, have a great day!!
Someone has been using my credit or SSN since XX/XX/XXXX, in XX/XX/XXXX I was XXXX-XXXX years old and in XXXX school in XXXX, on my report it states have a XXXX car loan in XXXX from that same year??? Things like this should be investigated more since i was not even of age why is it reporting? another example is a home mortgage i have from XX/XX/XXXX that is also reporting for a house that does not even exisit, this is just XXXX of the many incorrect information being reported by the agencies along with bank accounts, payday loans, and medical bills all in my name most from before i was even XXXX.
On   XXXX   XXXX   XXXX     i   XXXX   XXXX   send a quit pay money transfer of  XXXX  $ to my siste  XXXX   XXXX   XXXX   using her email address which at the moment was in her account but not link to the quit pay system of   XXXX   XXXX   XXXX  . My sister when we notice the mistake when to her back and link the email to the account mean while i call chase bank to see if we can cancel the transaction since the money was already take out of my account and never got to its destination, Chase bank claimed that the transaction could n't be cancel because   XXXX   XXXX   XXXX   already took the founds and put it in a limbo account where they put all the transactions with any mistake.After that my sister try to get her back to deposit the money into her account with no success because   XXXX   XXXX   XXXX   now claims that the found needs to be taken back from chase to return to me  ( it has not happen yet ). Its going to be almost a year now since that happen and me  and my sister have file some many complains to each bank and they only keep bouncing the ball with no intention to find any solution. As now i just want a agreement between both bank to get my money back in my account or deposit in my sister account.
On XX/XX/XXXX, we ( my fiance and I ) submitted our mortgage information ( bank account numbers, Social Security numbers, etc. ) through a fax machine. We sent the papers to a fax number that was on a Navy Federal fax cover sheet. We received notification that it successfully went through. Navy Federal ( they ) emailed us after asking if we submitted our documents. On XX/XX/XXXX we realized that Navy Federal had not received our paperwork. We were told on XX/XX/XXXX that it was at a Navy Federal and they needed to locate the paperwork. On XX/XX/XXXX Navy Federal realized the documents were not in their possession. On XX/XX/XXXX they said they received communication from the law firm " found a fax that Navy Federal sent but they did not have our forms '' ( Navy Federal did send a fax in the beginning trying to locate the papers ). We called the law firm, not believing Navy Federal and they located our forms within 5 minutes of the start of our conversation. The law firm did destroy the papers. Navy Federal apologized however they refuse to provide any compensation or sense of security of our private information as we " did not lose any money '' and " it was a glitch in the system as to why they provided the wrong fax number. '' Attached I have my call log of who, when, the phone number and anecdotal notes of what was said. I even included the law firm 's contact information too.