WillisBack/dataset-financial-user-claim huggingface dataset:
I called to settle the account for my husband on XX/XX/XXXX,due to a balance discovered from our relator agency. Not once did we receive a letter of validation regarding this account. I called to settle the account to proceed with our mortgage loan. Today is XX/XX/XXXX and my ach information has not yet been processed for payment. I spoke to XXXX XXXX and she requested I give her another form of payment. I requested the information on to why my payment had not processed. I explained I do not want to be charged twice for a transaction that has not cleared I need to know the details. I left two messages for XXXX XXXX and still have not received a call. It does not take 10 full business days for an account to be charged with an ACH debit.
I was not notified in a timely manner that my income driven repayment was ending and due to that i was forced to do a forbearance. They sent me notices stating i had to start making a very high monthly payment or they were going to start reporting to the credit bureau that i am not in good standing with my student loans. I told them that i was out of work and that i was on XXXX and i cant afford the payments.
I recently pulled my credit report and it is a COMPLETE mess, now I know that you have MILLIONS and MILLIONS of files to deal with and that is a lot to handle, and mistakes will happen. But C'mon people there are some pretty egregious errors on this thing. Now I am sure you have heard of the FCRA, you are bound by it, so here goes. I am demanding you VERIFY everything that I am disputing on this credit report that is inaccurate. 

Please verify the following information on each of the accounts that I am stating here. 

1. Balance : 2. Credit Limit 3. Payment Status 4. Last Reported 5. Past Due TRADELINE :, 1. XXXX XXXX XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8.  XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11.  XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX 14.  XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17.  XXXX XXXX 18. XXXX XXXX As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting.
This company continues to call my office number at work. They never say anything after you pick up, there is just dead air. With in seconds they then call my personal cell phone number which when you answer there is a recording stating all agents are busy and to hold. You hold, they come on the phone and do not announce who they are and will not tell you why they are calling unless you give them your social security number. 
They have been doing this for weeks now. I spoke with a representative on XX/XX/XXXX and told them they do not need to be calling my work number and to mail out any further communications if they need something instead of calling both my phone numbers 3-6 times a day. She was very rude and stated she will not mail out any notification because I would not give her my social. 

They need to stop harassing me and burning up my phone. They call from several different phone numbers numerous times per day. They spoof numbers in different area codes continuously. Today they have called from a XXXX area code and a XXXX area code alone. Both phone numbers.
XX/XX/XXXX I pulled my credit report and there was a collection on my account for {$20.00} by Certegy Check services. I contacted their office in XX/XX/XXXX via the telephone, XX/XX/XXXX by mail, XX/XX/XXXX by phone, XX/XX/XXXX by phone and XX/XX/XXXX by telephone to no avail. The identified the debt as XXXX XXXX XX/XX/XXXX. 

I do not have any responsibility for the debt they are trying to collect. I have contacted the XXXX and was told I have {$0.00} outstanding items with them and confirmed with my bank that there were {$0.00} overdraft/NSF charges in XXXX. I attached bank statements showing the amount charged cleared the bank. I contacted their office and spoke to a manager after I was hung up on XXXX times. She claimed I had XXXX outstanding claims with their office. 

I requested in writing on XXXX XXXX : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. This is including proof of the initial debt, my authorization to collect the initial debt, proof of your license into collect in the state of XXXX and XXXX. 
I received a response to my letter dated XX/XX/XXXX saying they are unable to provide a copy of the check because it was an electronic. They also indicated that it was dishonored by my banking institution which is not the case. I provided my bank statements and match the amounts in question.
It is listed on my credit report on Equifax that XXXX XXXX ( XXXX XXXX ) as a current open account and not being paid. I have disputed this issue repeatedly with Equifax , Equifax stated that if it does not state XXXX XXXX in the bankruptcy papers, then they will not list the debt as included in BK. Per. Chapter XXXX bankruptcy it does n't matter if the debt is listed by original creditor, or the creditor that bought account, or turned over to another collection agency, the debt still must be noted per. United states Bankruptcy court that they debt is being discharged through chapter XXXX bankruptcy. Equifax states that if it does not state original debt then they do not have to acknowledge that the debt is included in chapter XXXX bankruptcy. They continue add on my credit report that XXXX XXXX is open and never paid even though it is under the most recent credit that handled the account for recovery for XXXX XXXX is listed by that creditor under chapter XXXX bk documentation. Also the date since the account was listed when I filed a rebuttal was XX/XX/XXXX, when I called they then update it XX/XX/XXXX for XX/XX/XXXX. That is illegal, and a lie, they debt has been listed on my credit file since XX/XX/XXXX. Plus this account is listed under the recovery service at the time the chapter XXXX was filed, they refuse to acknowledge or even note on this XXXX bill listed as ( XXXX ) that this account is old, and also listed in my chapter XXXX bk, and should not be in open unpaid debt. I have called and disputed this issue the last 4 months. There last response was if it was listed that fixed it. But how did you fix it when some accounts are still not listed as closed. Equifax should staty abreast with legal status regarding chapter XXXX bankruptcy codes and regulation. I 'm, tired and whether disputing, calling, or forwarding documentation they will not fix any of your credit file. I 'm tired I even want to get an attorney and sue.
On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to test drive a XXXX XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit scorXXXX. The company is requesting that they be removed and now I 'm asking that they be removed!!
To whom it may concern, I contacted Experian, and spoke with a representative on XXXX/XXXX/XXXX, regarding some disputes that I had. I did have some personal information updated. I also wanted to dispute the following inquiries : XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX  XXXX ON XXXX/XXXX/XXXX XXXX XXXX ON XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, AND XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  ON XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Due to the XXXX XXXX XXXX I obtained a copy of my credit file, I was concerned about my report and history. I reviewed a copy of my report, which showed several inquiries that were not factual, and that I had no knowledge of. The representative informed me that I was unable to dispute any inquiries on my file. However, According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ), it states that any information can be disputed, and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that the agent refused to allow me to dispute these inquiries on my credit report, I assume that there was, nor will be any investigation into the matter. I plan to purchase a home near the beginning of the year, and having this many hard inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original despite for hard inquiries that do not belong to me. I did not sign any document allowing these inquiries. I feel this is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
I settled this debt and payed in full 2 months ago. I have bank records proving I settled and payed this debt in full on XXXX/XXXX/2016 ...
I filed bankruptcy a few years back and when I did my lawyer didn'treaffirm my mortgage. I never knew this until I tried to refinance. 
Things changed in my life and I could no longer afford XXXX amonth. I have asked over and over with my mortgage company tohelp me to just lower the payments. I do not want to loose my housebut I am now a month behind on my payments. With the mortgagenot being reaffirmed, none of my payments show on my credit. I'mnot trying to get out of paying I just need lower payments.
So I was just buying things in ebay with my debit card and when I bought things it said that it that the payment was unsuccessful and when I looked in my purchase history it said that I had bought it, I contacted the sellers but no response yet ... .Did I lose my money for nothing?
After sending certified, returned receipts from Portfolio Recovery Associates on XXXX accounts, asking for validation of my debt, not verification of my debt, they have kept on sending me collections notices. They have continued to also call me after I sent cease and desist letters. They tell me on the phone that I owe a debt and I tell them that they are not allowed to call me. They hang up on me. 

Also, I am writing because they are in noncompliance with the Fair Debt Collection Practices Act, Section 809. They have sent me debt verification letters, which does not suffice as a debt validation letter. I would like to know the chain of paperwork, from the original creditor, including the original agreement as this is my right. They have also broken the law by calling me after I have placed a cease and desist on my accounts with them.
Van Ru Credit Corporation along with XXXX is attempting to garnish my wages beginning XX/XX/XXXX, for an old student loan. The original debt owner has already written this debt off and recovered from any lost funds. I have already been punished by having a derogatory account on my credit report for many, many years and now Van Ru Credit Corporation and XXXX have purchased this old debt and intend to make money off of it for a second time ( or perhaps more because that 's how these creditors operate, buying and selling these multiple times ) and negatively impact my livelihood. This is unscrupulous and in complete violation of the Fair Debt Collection Practices Act because the statute of limitations for this debt has run out. This loan occurred in Indiana and the statute of limitations for debts in Indiana varies from 6 years at the minimum to 10 years at the maximum. This debt occurred no later than XX/XX/XXXX, which is XXXX years ago. I am asking the CFPB to intervene on my behalf and aggressively halt all procedures by Van Ru Credit Corporation and XXXX to obtain any further monies from this expired debt.
I went through a series of unfortunate events that made fall behind in my mortgage in XX/XX/XXXX, I tried to modify my mortgage for many times, we even went to court but the modification was to pay even more than the original amount. My last resource was to do a short sale but after an approval letter on XX/XX/XXXX, my realty was told that the approval failed. We do not understand what is going on with Wells Fargo but they really want me to lose my house to a foreclosure. My realtor has a buyer with the money ready to close on the house for over one year now the bank has all the paperwork that they asked for and told us it will be 2 weeks, now is like 6 months. 
I will really like to get to the bottom of this, its being 7 years now in XXXX XXXX that I am trying to save my house but all efforts have failed. I went through a divorce, my son going to college and me losing my job, all legitimate situations. I have proof all of the modifications attempts that were failed. I really believe that Wells Fargo has made this impossible for me. I feel that I being violated and will like to get justice on it. At the end of all I will like to stay with the house, I have it for a long time but when the houses devaluated in XX/XX/XXXX, all my nightmares began. 
Can you please help me, my telephone is XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Thank you.
Equifax continually blocks me from obtaining disclosure of my consumer file also known as " file disclosure ''. XXXX XXXX 2017, I discovered Equifax was blocking me from purchasing my consumer disclosure file. XXXX, Equifax repeatedly declined my requests for my file disclosure when I called Equifaxs automated system XXXX. Equifax stated I am sorry ; our records indicate we recently completed an investigation of your credit file and sent you an updated copy. We are unable to send you an additional copy at this time. Alarmingly on XXXX, the numeric portion of my current address was changed without my request. Alarmingly, on XXXX, I had not yet mailed my one and only dispute received by Equifax on XXXX XXXX 2017 via certified mail # XXXX XXXX XXXX XXXX XXXX. <P/><P/>Evidently, someone other than me, made an unauthorized dispute in my consumer file prior to XXXX XXXX 2017 and I never received results of the alleged completed investigation from Equifax. I suspect I am a victim of fraud. Furthermore, I suspect that my consumer file has been mixed with someone elses information. Note that Equifax continuous failure or refusal to provide me disclosure of my consumer file serves to further expose me to fraud/identity theft and harm. <P/><P/>Further to my dispute of addresses received by Equifax via certified mail # XXXX XXXX XXXX XXXX XXXX , I received Equifax file dated XXXX containing results of reinvestigation. However, Equifax did not provide me a consumer report, which is a clear violation of the FCRA. <P/><P/>On XXXX XXXX 2017 and XXXX XXXX 2017 I sent Equifax, XXXX XXXX XXXX, XXXX, GA XXXX via overnight express mail, correspondence with money orders # XXXX and # XXXX payable to EQUIFAX for the express purpose of providing me disclosure of all information in my consumer file under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g. I never received the requested file disclosure or response. <P/>On XXXX XXXX 2017, I opened a case # XXXX against Equifax with Better Business Bureau ( BBB ) to complain about Equifax failure or refusal to provide me my requested consumer file disclosure. I never received the requested file disclosure or response from Equifax. <P/><P/>Subsequently, I learned that my money orders # XXXX and # XXXX were cashed. However, I dont yet know who cashed the money orders.
In XXXX I paid cash for a car. Prior to the car being wrecked I had car insurance with XXXX. My policy number was XXXX. XXXX number XXXX. The name on the police is XXXX XXXX XXXX. For verification XXXX XXXX XXXX is the agent XXXX. The vin number is XXXX. The title number is XXXX.
To whom it may concern ; Concerning the subject in the reference line, please allow me to detail the facts of which I believe that I have been a victim of trickery in the leasing of my vehicle. 

On XX/XX/XXXX I signed a leasing agreement with the XXXX Company where I purchased a vehicle with ID XXXX, model XXXX, for {$15000.00} with monthly payments of XXXX for 36 months, as stated in contract No. XXXX. 

I have received several calls from this same concessionaire and contacted by an employee of this company named XXXX, who stated I qualified to renew my lease and with this news I was motivated to renew it again. I then went to XXXX to learn more about the terms and conditions of the renewal and agreed to do so. I was told the remaining payments of the previous lease would be assumed by them. Hence I leased a new vehicle, according to contract XXXX dated XX/XX/XXXX. 

However, believing that the previous payments were made by the concessionaire in a timely manner in accordance with the express commitment made by them, with great surprise and disappointment, I answered a call from XXXX., On XX/XX/XXXX, where I am told about the delay in payments on my account and that this would affect my credit since one of the payments of the contract of Initial leasing purchased with XXXX under contract XXXX had not been made. Desperate in the face of this situation, I tried to explain to them of what was agreed with the concessionaire and that I was not responsible for such payment, since I had renewed the lease with that same concessionaire and that the debt of the previous lease would be paid by them. To that the collection agency responded that they were not aware of this, but that apparently this practice was common with this concessionaire because they already had reports of other cases similar to mine and despite the circumstances and knowledge about this dealer, they could not do anything about it, and that the only option I had was to make an immediate payment of the outstanding fee and not reported and that with the register 's receipt of cash that they gave me claim it directly from the concessionaire. 

They offered to close my case in full if I immediately paid the sum of {$300.00} instead of XXXX which was the total due on my account. They also pointed out that they were not the ones in charge of reporting to the credit bureau and that the only ones who could do so was HYUNDAI MOTOR FINACING, and that their work was only collections. 

When I realized the seriousness of the matter, the first thing I did was to make a payment in the amount that the agency told me to pay immediately so that my credit record would not be smeared and my financial rating would not lower my credit score. However, the consequences of being late in payments and not being notified on time about this situation had already been created.
I opened new XXXX Simply checking account in XX/XX/XXXX with account # XXXX. I made my first two bill payment on XX/XX/XXXX for {$29.00} to XXXX bank and {$25.00} to XXXX. On XX/XX/XXXX I got call from XXXX that my payment has been rejected due to inactive account. I said my account is active and has {$20000.00} balance. Upon further review they said they have paid both bill out my old account ending in XXXX rather than ending in XXXX. I said I only have one simply right checking account ending in XXXX. ( XXXX ). On XX/XX/XXXX bill pay account was corrected and both XXXX bank and XXXX were paid correct amount. However, XXXX charged {$25.00} returned fee and XXXX charged {$50.00} for returned fee ( {$25.00} twice ). For your review I have attached the {$75.00} charges statement. XXXX have credited {$25.00} fee however XXXX is not crediting {$50.00} that was charged by two times of {$25.00} charges on XX/XX/XXXX.
My husband and I have a loan with Toyota Financial Services. My husband filed bankruptcy, the loan on the vehicle was included in his chapter XXXX. I did not file and per consultation with his attorney, I am protected as well as my credit invoked under the provisions of 11 USC 1301 ( Co-Debtor Stay protection ). The issue is, Toyota has reported two missed payments and the remarks show late in the notes on all three credit reporting agencies. Per his attorney, he called into the bankruptcy department at Toyota and was not able to resolve the matter. The resolution is still pending. This situation has dropped my score over 100 points and now caused my XXXX account to lower my credit limit further hurting my score. Since this matter is not getting the attention needed, I need the CFPB to step in. I'm also in deep conversations with a prosecutor who specializes in these type of co-debtor situations to pursue further legal action.
XX/XX/17 - called my cell phone one time. ( I did not answer ) XX/XX/17 - called my work line 7 times ( between XXXX-and XXXX ) in a row after I politely told them to please stop calling that number. Then the lady proceeded to threaten that the next call would be to my manager.
I believe that the Balance Subject to Interest rate has been miscalculated on my account for my most recent statement with the closing date of XX/XX/XXXX. The previous balance on this statement is {$0.00}. The only transactions total {$5200.00} ( {$5000.00} for promotional check cash advance and {$200.00} for check fee ). The Balance Subject to  Interest rate is calculated on 31 days in the billing cycle and a 20.99 % APR. By my calculations, which are based on a careful and thorough reading and understanding of how BOA calculates daily average interest rates and daily compounded interest and that I have performed on multiple apparatus and in multiple ways, I get a Balance Subject to Interest Rate of approximately {$5200.00} for this 31 day statement. However, BOA has somehow calculated a Balance Subject to Interest Rate of {$5700.00} which is overstated by over {$400.00}. 
After wasting 45 minutes on the phone with an incredibly unknowledgeable and rude customer service representative on Thursday, XX/XX/XXXX beginning at XXXX EST and lasting until approximately XXXX EST., I was denied the opportunity to speak with a manger or supervisor of any sort and told that I would receive a letter with a breakdown from finance. No timing could be provided on when that letter might arrive. I was also told that generally I shouldnt worry about it and that he couldnt understand what exactly my concern was. 
I never received a letter and subsequently followed up in writing on XX/XX/XXXX. The response that I expected to my letter was that, per the Fair Credit and Reporting Act, Bank of America would either correct the error or explain to me exactly ( with a full daily breakdown which I requested ) how the Balance Subject to Interest Rate of {$5700.00} noted on this statement is correct. 
Instead of a detailed response and breakdown, I received a completely generic letter in return dated XX/XX/XXXX that not only did not address my inquiry in any specific detail but also stated that the charges on my statement are correct despite there being no support of that.
Last XXXX, I opened a citigold account with an promotion bonus XXXX XXXX miles. The requirement is spend {$1000.00} in the first XXXX months and made XXXX consecutive bill payment. I finish all of the requirements by XXXX. 
In XXXX, I contact with the customer service of citibank, they confirmed that I will received the bonus by XXXX XXXX, 2016. However, I did n't received any bonus miles. 
In XXXX, I contact several times with customer service of citibank, they refuse to give me the opening bonus and said there is no promotion associate with my account.